Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account terms

Equifax is currently reporting my XXXX XXXX account as charged-off. I 've received a letter from XXXX XXXX stating there is incorrect information being reported on my credit report and they have agreed to remove this account from my credit reports. Please see a copy of my Equifax credit report, as well as a copy of the letter from XXXX XXXX. Thank you.
Complaint sub-issue: Account status

I disputed the balance because it should have been reported lower than they were reporting on equifax and they removed the entire account dropping my credit score
Complaint sub-issue: Personal information

My name is XXXX but my reported names says XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding accounts XXXX XXXX  which you claim chargeoff {$76.00} XXXX XXXX, Which you claim chargeout {$910.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including docu mentation of any potential small claims action.
Complaint sub-issue: Account status incorrect

on XX/XX/22 dispute letters for XXXX and Equifax were sent off in regards to inaccurate information being reported on my consumer report. It is to my understanding that there are certain laws in place that consumer reporting agencies must follow, or in turn they can be fined {$1000.00} per violation, or even criminally and civically charged if these Federal laws are violated, as they are not above the law. Attached in this complaint is a picture of the inaccurate information being reported by XXXX and Equifax. As we both know to report false information without full validation and verification after being provided proof of inaccuracy is violation of FCRA section 623 which is defamation and willful injury. Also neither Reporting Agency failed to report that this item was in dispute on my consumer report. This account needs to be deleted immediately, you've already had 30 days and have yet to complete or start any investigation of this account. You are now in violation of 1681i ( 5 ) ( A ) ( i ) which states " If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted ''
Complaint sub-issue: Information belongs to someone else

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My complaint is about DISCOVER and XXXX Credit Bureau. I noticed XXXX unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2022 Because I did not apply for credit with DISCOVER. 
Please launch an investigation into DISCOVER inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if DISCOVER is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Complaint sub-issue: Debt is not mine

XXXX XXXX XXXX is charging {$330.00} and it reflects as derogatory in my credit history in 2014. I did n't ever sign or even negotiate a contact with XXXX. I was studying abroad at the time.
Complaint sub-issue: Problem with personal statement of dispute

I applied for a student loan in XX/XX/XXXX/XX/XX/XXXX totaling more the {$16000.00}. Since then I've lost my job got married moved away and divorce. After losing my job I was unable to pay my student loans or bills. I did however, called the student loan department and file for deferment and forbearance until I was able to resolve my personal situation. It was until XX/XX/XXXXI was able to consolidate all my XXXX XXXX and make one payment. XXXX Reporting Agency is still reporting my XX/XX/XXXX/XX/XX/XXXX XXXX XXXX as delinquent. I've called the reporting agency ( XXXX   ) to dispute the the closed and consolidated accounts and to them remove form my report and there response was to send in a consolidated later form XXXX XXXX XXXX and then the old account can be removed. I faxed over the latter and still not removed, I've called and ask why are the old account still reportingand there response was you have to get in writing from XXXX XXXX XXXX another letter stating, REMOVE FROM REPORT! This has been going on for several months. Back /fourth I called XXXX  agency yet again and ask for the removal and there response was the accounts can not be removed for another 7-8 years from delinquent reported date! That means the old account will have been on my report reporting negatively for more then 18 yrs. HELP!!!
Complaint sub-issue: Account information incorrect

This complaint is in regards to medical debt collections by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. 

The outstanding debt was fully paid using their online system and after payment I was shown a " payment request was received '' screen. Money was then debited from my bank account the same day. I reached out to them to acknowledge receipt of payment, however I have not gotten any response. 

I opened disputes with XXXX and Equifax days later to get the amount updated on my credit report, however, despite receiving full payment XXXX and XXXX refused to update my credit report and responded to the dispute stating that the amount owed is correct and no payments have been made, which is blatantly false. 

It is unlawful and a violation of the The Fair Credit Reporting Act to knowingly provide inaccurate information to a credit reporting agency, but it appears as though that is exactly what XXXX and XXXX have done, while also ignoring my communication requesting payment receipt. 

I understand the credit bureaus will be removing paid medical collections from consumer credit reports in XXXX and would like to request that either the amount be updated or the now paid collection account be removed immediately from all credit reporting agencies. 

I will be attaching documentation showing payment screens on XXXX and XXXX website, the request for a payment receipt, the payment transaction in my bank records showing the amount paid equals the amount owed and the results of the dispute with Equifax showing the false validation provided by XXXX. 

Please assist in any way possible to get this matter corrected. No consumer should be subjected to false information being reported on their credit report, especially when they've paid the balance owed in full. 

Thank you.
Complaint sub-issue: Information belongs to someone else

This is my second dispute it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Upon viewing my Credit Report I noticed several inaccuracies. So I filed a Police Report with the XXXX XXXX Police Dept. on the date of ( XXXX ) Report XXXX : XXXX. I attached this report with disputes & sent them to the credit bureaus ( Equifax, XXXX, XXXX XXXX ). Unfortunately I have yet to receive a response. 

In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & Fair Debt Practices Act 15 u.S.C. 1692 ( XXXX XXXX XXXX Collections XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1692 section 805A states : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place, or time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 section 806 section 5 XXXX a phone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. 


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

XXXXXXXX XXXX has chosen this portal to intimidate me for their inability to provide a contract bearing my signature obligating me to pay the charge offs they are reporting on my CRs. Instead XXXXXXXX XXXX sends me receipts and checks XXXX my signature verifying the account. Against the law. XXXXXXXX XXXX did not indicate Dispute on my CRs 30 days after the original dispute letter dated XXXX XX/XX/2018. Violating FCRA. I am requesting that you enforce XXXXXXXX XXXX XXXX and Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

As of yesterday,XX/XX/XXXX, I was checking my credit reports to keep up to date information about my credit score which I do often. According to my information, my XXXX  score dropped from XXXX to XXXX a 58 point drop in XX/XX/2020. My Equifax dropped 27 points in XXXX and another 27 points in XXXX bringing me from XXXX to XXXX also XXXX. When I checked these sites specifically for changes made to my reports, both Equifax and XXXX  show an increase in balance to my student loans due to interest. These reports came from XXXX who holds my Federal Loans. I am still paying my loans although the President put a freeze on payments and interest months ago and I have paid off one small loan. There is always some issue with XXXX or XXXX XXXX Dept. of Ed. Just for the readers edification, the drop of 58 points in XX/XX/2020, due to XXXX XXXX inaccurate reporting, was a result in a total increase of the following increases in dollar amounts : XXXX has four loans that are mentioned in the increase of ; {$2.00}, {$37.00}, {$37.00}, and {$21.00}, for a whopping total pf {$97.00} dollars. Equifax has the same as the aforementioned plus ; {$10.00}, {$5.00}, {$11.00} for XXXX and XXXX additionally ; {$72.00}, {$72.00}, {$53.00}, {$12.00}, and {$29.00}. XXXX total - {$120.00} and XXXX - {$230.00} and these numbers for XXXX and XXXX are for the same loans with XXXX. This has damaged my credit, and has caused me to be unable to apply for cheaper housing.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Complaint sub-issue: Can't close your account

i had a secured credit card with citi cards for a little over XXXX yrs always paid on time never missed a payment .Im trying to fix my credit and after being a year i asked for a credit increase got denied after a third time i was told that because i had a secured credit card i wasnt able to get a credit increase.The high interest fees and they telling me 2 times to wait another year when they never were really gon na give me an increase just to keep squeezing money out of me thru their interest and fees.Now i finally got fed up and asked for account to be closed and my {$800.00} reimbursed and it has taken them more than 60 days to date to do so.I was informed that on this past Saturday XX/XX/2022 that the refund of my money was approved now i have to wait another 10 to 14 business days to get my funds when i have already waited over 60 days because the first time i called to finally close it they didnt do it because their excuse was, well we usually wait up to 21 days because customers change their mind ... ... theres got to be some type of regulation on the abuse these banks do on hard working people
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- INSTALLMENT LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Debt was result of identity theft

Enhanced Recovery Company ( ERC ), based in XXXX Florida, Has continuously pressured me into paying a bill that I do not owe at all.I never had XXXX phone service or XXXX XXXX XXXX which enhanced recovery is trying to force me to pay, I have reported to this collection agency that I do not owe a debt continuously over the last year. They continuously harassed we continuously harm my credit filter produce in the written verification of debt which is required under federal law.Enhanced recovery have been violating the fair credit reporting act.Please force them to remove all fraudulent items off of my credit report or non-verifiable information
Complaint sub-issue: Account information incorrect

Equifax ; XXXX  and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$4100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a lease with an apartment lease and lived in the unit for the full term of the lease. I provided proper notification well within the time allotted per the lease agreement to vacate and therefore there is no outstanding balance due and nothing to collect and/or chargeoff. I was not aware there were any issues and that this account had gone to collections until I obtained a most recent copy of my credit report. I have contacted the bureaus and XXXX XXXX XXXX to fix this however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Sent letters to credit bureau asking for how they verified information to be accurate for it was not. They keep stating it meets FCRA requirement however never send me the information that I am looking for and that proof the account is mine and how did they verify said account. 

XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1900.00} XXXX University I never attended. 
XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XXXX 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 for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from 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: Their investigation did not fix an error on your report

I have attempted to correct the first date of delinquency with all of the credit reporting agencies, including XXXX and have provided the corroborating documentation from XXXX as evidence. 
I spoke with XXXX and requested the first date of delinquency and payment history because the credit reporting agencies are reporting that the first date of delinquency is reporting correctly. 
I spoke with an Equifax representative and had him review the date of first delinquency as reported on the current report and he observed the date reported in the payment history but also observed a different date in the section that would have it removed in the 7 year history for removal. The representative informed me that it appears that the system is picking up the latest date of first delinquency not the actual date of first delinquency. 
I am providing a copy of my Equifax credit report dated XX/XX/XXXX showing the date of first delinquency as XX/XX/XXXX and the XXXX-month payment history which shows XX/XX/XXXX and XX/XX/XXXX as 60 days late. 
I am also providing a copy of the letter from XXXX which states the month reported as delinquent as XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX. 
I believe that the computer program that Equifax utilizes is only picking up the date of the latest first delinquency not the actual date of first delinquency. As you can see, I attempted to save this property and made payments which is why all of these dates start over.
Complaint sub-issue: Account status incorrect

I, XXXX XXXX, federally protected Consumer, have ordered my written instructions Cease and Desist pursuant to 15 U.S. Code 1692c ( c ). 

XXXX XXXX I demand you to remove all Negative Information according to federal law definition any form of default which is stated in my Cease and Desist. 

My Consumer Report shall be reporting 100 % positive and 100 % on time payments. 

If XXXXXXXX XXXX  dishonor my Cease And Desist you shall be fined and imprisoned for not more than 20 Years or both pursuant to 18 USC 894 ( a ) ( 1 ) ( 2 ) as you are causing substantial harm to me and ruining my financial reputation for non repayment which validates you are extorting me by furnishing negative information and this is how XXXXXXXX XXXX  shall be fined and imprisoned for 20 Years under title 18 U.S. Code 894 - Collection of extensions of credit by extortionate means.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

All the credit bureaus, XXXX Equifax andXXXX have been dropping my credit scores without any reason. No changes were made to my credit report, yet, my score is being negatively impacted. XXXX recently dropped my credit score by 4 points despite the fact that nothing changed on my report. 
After researching and speaking with my attorney, it has come to my attention that this fraudulent activity has happened to many others as well.