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

Equifax is violating laws, I have submitted several complaints and disputes and I dont believe that theres been actual investigations on these accounts as they still reporting inaccurate and Equifax has failed to furnish any documentation that prove they are reported correctly. I have submitted factual data disputes with inaccurate balances, date last active, high credit, and etc. On XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I was given results from Equifax stating the accounts in question are 100 % accurate which is false, as I have submitted my credit reports with the highlighted inaccurate and inconsistent information and they are still not removed. 

These inaccurate accounts are causing mental stress to my life, because Equifax keeps telling me that Im wrong when Im sending the bureau info taken directly from my credit report! This is what Equifax is reporting and Im pointing out the errors and inconsistencies, so how am I wrong when its what you are showing to me. These errors on are making it hard for me to obtain new credit and Equifax is reporting inaccurate accounts and keeping them on my account is violating the FCRA and FTC laws. I have attached my credit report with the highlighted inaccurate accounts with errors on my credit report. I demand these inaccurate accounts be Deleted Immediately
Complaint sub-issue: Account status incorrect

Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,
Complaint sub-issue: Problem with fees

I have been in dispute with Goodyear since XX/XX/2018 regarding late fees and interest. I had no idea I would need a new tire when I walked into XXXX XXXX, therefore I didn't have the money or a credit card on me for the purchase. I accepted XXXX XXXX 's offer for a Goodyear line of credit since XXXX XXXX told me It was urgent to get a new tire in fear of mine having a blow out if I continued to drive on it, so I accepted the line of credit. I didn't receive any statements in the mail from Goodyear until about 3 months after I got the tire replaced and in that statement I had 3 months of late fees and interest that had been added to my original tire purchase. I Immediately called Goodyear to explain that this was the very first statement I had ever received from them. The representative I spoke with told me to pay the minimum balance due which was {$100.00}, even though my tire was only {$84.00}, and he would request remaining late fees and interest removed, never heard back from him, instead received another statement a few weeks later with more fees added. Immediately called again, explained situation, and was given information could address with Citibank which I did in writing. I've mailed letters to Goodyear and Citi Bank ( the bank they use ) addressing the issue multiple times and instead of replying to me they sent me to a collection agency, continued to charge me each month following my payment, and closed my account, even though I paid my purchase and additional charges were in dispute. The original balance was {$84.00}, I have already paid {$100.00}, well over the amount owed and now from the continuous charges each month I owe {$400.00} as of XX/XX/XXXX. 

I need help getting these fees removed.
Complaint sub-issue: Problem accessing account

I tried to link my account and I wasnt able suddenly
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX we received a email from XXXX XXXX XXXX saying there was a hold on our account because of increase of sale volume. Only after we noticed we havent been receiving all of our deposits since we started the account in XX/XX/XXXX we were only receiving partial payments so we called XXXX, XXXX  XXXX  and first data to inform them we havent been receiving the complete amount being deposited daily into our account and that only partial payment have been received from there services since XX/XX/XXXX. They gave us different numerous numbers to call because they had no ideal on what to do in this situation and who to talk to about these funds being held. XXXX  XXXX  completely stop giving us our payments on XX/XX/XXXX instead of partial payments we have been receiving since we started the account in XXXX. We are owed XXXX from this credit card processing company. They have withheld our finances since XXXX and they have taken XXXX on XX/XX/XXXX for no giving reason nor can they explain where those charges were for. On XX/XX/XXXX they took XXXX and couldnt give reason why and on XX/XX/XXXX charged my account another XXXX all in one month for charges and the supervision at slice couldnt explain or understand the reason my account has been charged so much. We were told that our account funds will be released in 1 to 2 business days and its 2 months later and we still havent received anything from slice but a charge on our account when our account was on hold until further investigation. We have not used slice none in XXXX but yet there is a charge of over XXXX that has been charged to our account. We have talked to many representatives but its getting exhausting because we are getting the run around with this and that person handling our account but no one knows where these charges were accumulated from or why our funds have not been released after sending over all of the necessary documents XXXX times and being verified through there system.
Complaint sub-issue: Information belongs to someone else

since i found out that I have quite a few fraudulent accounts on my credit report ( under different names and addresses ) i been trying to remove them from my credit report. all these accounts aren't mine, they were open under different names and addresses between XXXX to XXXX. Account name XXXX Account number XXXX XX/XX/XXXX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX CARD  Account number XXXX Date opened XX/XX/XXXX Show more Account name XXXX  XXXX  XXXX  Account number XXXX  XX/XX/XXXX XXXX XXXX XXXX every time i called the XXXX, Equifax and XXXX  credit bureaus, they tell me something different non sense. please help me to sort this out.
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 30 days later I have not received a response yet. I feel like Im being ignored of my disputes. Section 611 ( a ) it is a 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 30 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 impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE MAILED A LETTER TO EACH COMPANY AND ASKED FOR THIS INQUIRE TO BE REMOVED FROM FROM MY CREDIT OR SEND ME ANY DOCUMENT THEY HAVE THAT I HAVE GAVE THEM AUTHORIZED TO PULL MY CREDIT REPORT XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized credit inquiries on my credit report.
Complaint sub-issue: Debt was paid

XXXX XXXX HAS SOLD THIS DEBT TO XXXX XXXX WHEN MY INSURANCE PAID XXXX XXXX AND THEY ACCEPTED PAYMENT AS PAID IN FULL DO TO A TOTAL LOST OF THE VEHICLE
Complaint sub-issue: Investigation took more than 30 days

I have been disputing this account since XX/XX/2020 and asking for the account on my credit report to be verified according to federal law though physical verification of the original signed consumer contact. The investigation took well over 30 days and came back verified with NO proof of contact. This company continues to knowingly violate my rights to Fair Credit Reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I have been making qualifying payments under PSLF since XX/XX/2013. Recently my loans were transferred from XXXX to XXXX XXXX. Currently XXXX XXXX is showing zero qualifying statements. They also show my current status as both in forbearance and 9 days delinquent. My main concern is that all past payments be counted as qualifying payments under PSLF. XXXX XXXX   said it could take up to six weeks for them to review my past payments. They should have started this process back in XX/XX/XXXX when my loans transferred.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have written a request to Equifax Credit Reporting sgency, requesting for unauthorized inquiries to be removed from my credit file. As of today, my reguqest has not been granted. The listed inquiries are all unauthorized and shall be removed.
Complaint sub-issue: Having problems with customer service

This complaint arose because I was denied PSLF credit for my XXXX XXXX military service. 
I applied for PSLF on my federal student loans, which were incurred in XX/XX/XXXX. The PSLF program took effect in XX/XX/XXXX. I served on XXXX XXXX in the military from XXXX XXXX to XXXX XXXX and received no PSLF credit for the time service. I provided my XXXX, am a XXXX veteran. I want my military service, which included XXXX, to be credited for purposes of PSLF. Instead it appears the federal student loan company is relying on technicalities to deny me PSLF credit for my military service. This is unconscionable. Please make it right. PSLF exists to encourage and give credit for public service. The program should not rely on nonsensical technicalities to deny earned benefits to those who have sacrificed themselves in service to the public and the nation. 

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

I have identified information on my report that are a result of identity theft these are not related to any transactions completed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
Complaint sub-issue: Account information incorrect

I had sent letters to all three credit bureaus on XX/XX/2020 advising them they have some incorrect account info and needed to delete it via a 609 dispute letter. 

After 30 days of no correspondence from any party I had sent a sceond 30-day demand to comply letter to each bureau letting them know it has been over 30 days from the first letter and for any inaccurate info to be deleted. 

I had sent certified mail so I know they have my demand to comply letter I have not been contacted and nothing has been corrected. I know need your help. 

Enclosed are the copies of each letter to the beraus. Let me know if you need any more info
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX I submitted a dispute online through the CFPB. Complaint number XXXX regarding inaccurate information on my consumer report. I received a letter dated XX/XX/XXXX stating they could not locate my file. The letter stated I needed to send information that had my social security number attached to it and information that had my address attached to it. On XX/XX/XXXX I received a copy of my credit file from Equifax. No where in the law it states that I need to send my social security number for identification to any corporation. Past history shows you need a government issued id and something to validate your address. Equifax is stalling. My ssn is not needed for identification purposes.
Complaint sub-issue: Their investigation did not fix an error on your report

In a previous complaint I disputed my credit card reporting from my bank XXXX XXXX XXXX XXXX. My complaint was that they are still collecting monthly payments and reportING monthly like the account is open. I screen shot the credit beaurus response stating that my bank says that account is open. I screen shot the actual facts from the credit beauru that the account is CLOSED. I'm asking the credit bearus to use their common sense and not accept that the account is open if it's reflected on my credit that it's closed. I want this to stop being reported monthly and asking for monthly payments when my evidence shows this account is closed.
Complaint sub-issue: Problem with personal statement of dispute

Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. Also, why did you not send me copies of the verification like I asked? 

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ). 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Account : XXXX XXXX Amount :  {$19000.00}
Complaint sub-issue: Information is not mine

I have requested for Equifax to provide me on how they verified information on my report. I asked the following : Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. I asked for them to not provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
And they keep sending the same response with no supporting documents or answers to my requests. No one is reviewing my file, and they must have some type of automated computer generated system in place that is managing these files. It is a crime and I need help with this?
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I reviewed my credit report and saw an unknown XXXX medical bill from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have sent the credit BUREAUs numerous dispute letters along with an FTC to get these negative accounts removed. I have never been to the hospital at this location before and haven't been to the XXXX  in YEARS. Besides, I have XXXX so all of my medical expenses are paid in FULL. The company is negligent as well and has yet to send any validation. This is impacting my credit score negatively and I need it gone ASAP! I have hired an FDCPA lawyer since my request are being ignored
Complaint sub-issue: Account status incorrect

I have a late payment on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone but couldn't get thru. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Dear Consumer Financial Protection Bureau, CFPB : QUADPAY VISA ( XXXX ONLINE PURCHASE ) is trying to steal money from my XXXX Debit card ending in XXXX. I purchased XXXX products on XX/XX/2020. The total for purchase ( after returning 2 items ) is {$59.00}. 

Summary : 2 items from order numbers ( XXXX ORDER : XXXX THROUGH QUADPAY ORDER : XXXX ), have been returned. 

( 1 ) XXXX XXXX BOOT ( CHESTNUT  ) WERE DAMAGED, AND ( 2 ) XXXX  XXXX XXXX  XXXX  XXXX  ( NOT WANTED, WRONG SIZE ) Both QUADPAY AND XXXX ARE REFUSING TO ISSUE REFUND REGUND {$26.00} ( what I Am Due ). The XXXX  XXXX  Slides purchased ( Cost : {$75.00} XXXX {$20.00} REWARD COUPON, Tax {$4.00}, TOTAL : XXXX ). QUADPAY HAS SLREADY DEBITED MY XXXX CARD {$86.00} ( 1 installment of {$350.00} ) ; however, with the returns, I MO LONGER OWE THEM, THEY OWE ME {$26.00} I have contacted both XXXX ( telephone and email ) and QUADPAY to no avail. QUADPAY IS STILL TRYINGVTO STEAL MONEY I DO NOT OWE THEM. 

NOT {$26.00}. PLEASE SUCCESSFULLY PROCESS {$26.00} ( ADDITIONAL XXXX ). QUADPAY, YOU DO NOT HAVE AUTHORIZATION TO DEBIT FORM OF PAYMENT XXXX CARD ENDING IN XXXX FOR XXXX ORDER : XXXX, QUADPAY ORDER : XXXX. 

XXXX has been contacted and a dispute filed XX/XX/2020 ( MONDAY, TICKET NUMBER XXXX ). They are refusing to come into comportment with REGULATION E. I have to eat, they are too UNCOOPERATIVE. 


Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

" XXXX '' card has been reporting to my credit report for XXXX and XXXX since 2019. 
First off, its fraudulent. Next issue is ive since many times reported this company directly, reported them to fraud, multiple disputes fraud alerts. Filed a police report with them through XXXX. They finally closed the account and left it in negative/derogatory status.Leaving me with many missed payments or late. Also still sending payments and reporting to my bureaus even after being closed because of being opened fraudulently and also closed as chargeoff instead of never being open.
Complaint sub-issue: Account information incorrect

Total account was {$1300.00} XXXX XXXX XXXX XXXX credit collection settled with me for {$960.00} Now I'm seeing a balance on my credit report for {$410.00} that account is settled and it needs to be close at a XXXX balance I've reached out to the company in numerous of time How's change
Complaint sub-issue: Credit inquiries on your report that you don't recognize

dept of ed nelnet XX/XX/XXXX XXXX for the amount of {$4200.00} they put this into collection when it was already paid for. it reflecting on my credit and its making it hard for me to get any loans or help. how could i remove this collection off of my report.
Complaint sub-issue: Information belongs to someone else

Macys Credit was a fraud account. Along with others and student loans. I called all companies to advise. Macys is the only one who says they can do nothing about it. This account thats fraud i could not even verify until we went through a process. Now that they have updated my info they keep saying it verified as me. The obvious would be if someone used my info and they updated it to my current info. Of course its going to verify back to me.
Complaint sub-issue: Information belongs to someone else

I found out that there are two accounts from XXXX XXXX XXXX XXXX appearing on my credit report. One of the accounts was opened in XXXX for {$300.00} and the other one was opened in XXXX for {$4000.00}. I had no idea these accounts were in my credit history since I never really keep track of my credit but I got my credit ran because I applied for a loan and that's how I saw these accounts. I don't know who opened the or how someone else could have got ahold of my personal information to open these accounts. I did not get anything out of these accounts that were opened in my name. I never made any payments towards either of those accounts. I filed a police report and notified that company.