Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Equifax clearly gives out a randomly generated answer and does not base this off actual XXXX or XXXX. This is blatantly an abuse to try to receive revenue from identity theft services.
Complaint sub-issue: Didn't receive notice of right to dispute

a derogatory mark was placed on my XXXX and XXXX accounts regarding NTL recovery agency. This company violated my FDCPA rights by failing to 1. Send a 30 day letter to inform me of the debt 2. Also failed to validate debt 3. Failed to provide proof of their ability to collect in my county 4. Placed my account on my credit report. I've brought this issue up regarding my transunion account, however they are still showing up on XXXX and XXXX  accounts.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX # xxxxxx XXXX, XXXX LA # xxxxxx XXXX, XXXX xxxxxxxxxxxx XXXX, has violated my rights. 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
Complaint sub-issue: Their investigation did not fix an error on your report

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Complaint sub-issue: Debt is not yours

I have this collection on my credit report from XXXX despite never having used their services. I disputed the debt through XXXX but the company verified it even though it cant possible be my account money is owed on. 
Account Name ERC XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$4200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting incorrectly to Equifax ; XXXXn and XXXX  a collection in the amount of {$1400.00} on the XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) I had service with XXXX and at no fault of my own, the company decided to move its tower to a different location. After the move there was absolutely no service in my area. It was non-existent. I spoke with a representative from XXXX and they said because of the companys decision to move the tower, and with this affecting my service, they would let me out of my contract. They did not honor their word. Now XXXX has since sent me to collections. I do not owe this. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX and the bureaus to fix this, however I have not been successful.
Complaint sub-issue: Information belongs to someone else

I have disputed the collection accounts with Equifax for several attempts, to no avail ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : XXXX XXXX ) XXXX****, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**,. They did not give me evidence or verification as to why they will not remove the  accounts. The error has affected my credit score tremendously.
Complaint sub-issue: Didn't receive terms that were advertised

I opened the Citibank checking and savings account package in XX/XX/XXXX under a promotion, where I should receive {$400.00} bonus if i follow through with the terms of the promotion. The promo code was XXXX. O n XX/XX/2018 I deposited {$15000.00} into the checking account and {$200.00} into the savings account and held it there for over half a year.

I have since met the conditions under the terms of this promotion, and have repeatedly contacted Citibank about the bonus, but the calls went no where. Research case was also opened but there's no promised updates ( within 24-48 hours ).
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

XX/XX/XXXX durning the height of covid while I was working as an essential worker, I used my Macy 's American Express card to buy groceries at XXXXXXXX XXXX. The total purchase was XXXX. I did not receive an email notification I had a bill, nor did I receive a bill in the mail. 

All my credit cards are on auto payment and I thought this account was on auto payment as well. XX/XX/XXXX, I was charged a XXXX late fee. No one reached out via phone, email, or mail regarding account status. 

On XX/XX/XXXX, I was charged another late fee of XXXX plus interest. No email, or mail letting advising me of account status but someone did call on XX/XX/XXXX. As soon as I found out I had a balance on the card I immediately paid while I was on the phone. Payment went through on the card XX/XX/XXXX. The customer service rep credited me back one of the late fee XXXX which was appreciated. I thought everything was good and taken care of. 

After filling out a mortgage application, my credit score that had been XXXX to XXXX was dropped over 50 points. Went I looked into the massive drop in my credit score it was due to Macy 's America Express / CitiBank had reported my late payment after I paid them in full. Knocking my credit down 50 points substantially changed my mortgage rate. I reached out to customer service no less than 4 times. Asked for investigation and a review what they reported. Explained why I thought I had the account on auto payment, that I had not received a bill in the mail, via email, and no call until XX/XX/XXXX regarding account status. Although the reps seemed to want to help nothing was done about what Macy American Express reported to the credit bureau and my credit score is sitting at XXXX when it should be at XXXX to XXXX. The " late payment '' on my credit score is the only ate payment I have because again I always pay my credit cards in full on time. This can be verified and I am more than happy to provide documentation and/or my full credit report to prove that the one late payment they reported to the credit bureau dropped my credit score by over 50 points. This practice is extremely harmful especially durning a time of a global pandemic.
Complaint sub-issue: Account information incorrect

On XX/XX/2020 I sent a letter to the credit bureaus regarding several inaccuracies that was on my credit report. This maybe due to my information being compromised in the Equifax Data Breach.I have asked for a resolution and have yet to receive a response. It has been more than 60 days. I feel as if my concerns are being ignored by these bureaus. I understand that in Section 611 ( a ) states, failure to investigate these items within 30 days give reason to immediately remove the items from my credit report. It has been 60 days and no response. I demand these accounts be removed immediately or I will file for litigation.
Complaint sub-issue: Need information about your loan balance or loan terms

I recently transferred my federal direct student loans to fed loans from XXXX XXXX. I submitted the paper work in mid XXXX XXXX and it was received by Fed loans prior to the end of XXXX. It is currently mid-late XXXX XXXX and Fed Loans is STILL unable to tell me how many successful payments I have made towards PSLF. When I asked them how long until they would be able to calculate the amount of payments I have made towards loan forgiveness ( presumably a process of SIMPLE COUNTING TO TWENTY-SOMETHING ), they informed me today that it will take another 3 months. 

I need this information in order to maybe irreversible and significant decisions very soon. It is absurd that it has taken them 2 months already and may take an additional 3 months to take a basic tally of my payment history.
Complaint sub-issue: Debt is not mine

I lived in this apartment complex from XX/XX/XXXX to XX/XX/XXXX, the cable, water sewer consumption and trash was included in the rent monthly. Tenants were not allow to separate the utility from rent, all utility were included in the rent total. I do not owe the cable company any money and the cable bill was not in my name. Please remove from all the credit reports.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 i sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. I feel like I ', being ignored and taken advantage of in my disputes. Section 511 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I've been very patient but now it's been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you caused me and my inability to get credit due to these inaccurate items. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I've sent numerous letters to the credit bureau with affidavits and they have not removed the incorrect items from my credit report. I specifically asked WHO is the person that is verifying as accurate and I have yet to receive a reply. I would like to escalate the problem but can not receive the proper information. This is a violation of my rights as they have not responded and has been longer than 30 days as allowed by law.
Complaint sub-issue: Debt was result of identity theft

Around XX/XX/XXXX I received a collection notice from I C Systems for service with XXXX XXXX. When I contacted them I was told this was for service XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Service dates : XX/XX/XXXX through XX/XX/XXXX. Email address used was XXXX. Total due is {$600.00} A couple of day later I received a call from XXXX XXXX XXXX. 
It was for a credit collection for XXXX XXXX  address was XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. Service dates were XX/XX/XXXX through XX/XX/XXXX. Emailed address used was XXXX. Total due is {$840.00}.
Complaint sub-issue: Investigation took more than 30 days

has prepared the following complete text of the Fair Debt Collection. Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p. 
In XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that XXXX :
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 49 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Problem with statement of dispute

I complained to Equifax that they were reporting that I closed an account with XXXX. I sent them written proof that XXXX closed the account, not me and asked them to delete the account because of the error. They responded that they had verified that the account belongs to me. This is obviously an improper response indicating that they did not really read my dispute or are just trying to skirt the real issue. Since they did not respond to my actual dispute within 30 days the account should be deleted. It 's like I disputed something about apples and they replied about bananas. Equifax does take consumer disputes seriously. They should be forced to comply with the law.
Complaint sub-issue: Account information incorrect

I contacted XXXX XXXX and let them know my husband had been laid off of work and I had just had a XXXX XXXX and was unable to work as well. Therefore, I asked if we could come to an agreement and settle on our bill. The gal that was helping me had to speak with a manager. This same gal that was helping me confirmed with her manager that they would indeed accept a settlement under the circumstances of being laid off and medical issues. She also assured me that It would not be reported as a bad debt write-off. It would be reported as " a paid amount accepted by XXXX XXXX. We agreed upon {$3000.00}. I 'm disappointed they did not keep their word. My efforts with XXXX XXXX have proved fruitless to resolve this.
Complaint sub-issue: Account status incorrect

Presently, while the account is showing a {$0.00} balance, it is reporting that it was 180 days past due. The account WAS NEVER 180 DAYS PAST DUE. The previous loan servicer did not correctly apply loan forgiveness paperwork in XXXX. I was not notified of this until XXXX. After repeated attempts to get this fixed, and threaten legal action, the previous servicer ( XXXX XXXX ) transferred this loan to Department of Ed. In doing so, they still failed to have the paperwork correctly entered. Upon Transfer, the Dept of Ed. applied paperwork, but still reported the loan as 180 days delinquent, which is completely false. This needs to be resolved, as the account was never late!!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i received 2 letters of denials for a loan that i never applied for. i called their customer service line twice onXXXX and was hung up on both times before i could get any information about this loan. i then contacted them via XXXX on XX/XX/19 which continued into XX/XX/19 where i requested copies of the loan application and any recordings of phones calls pertaining to this loan application and the contact information for their corporate office to which they refused and insisted on me calling their customer service line which was of no help when i tried before reaching out via social media. i did advise of my situation in the conversation and they told me that someone may have used my personal information to try and obtain a loan however i received these letter at my home address instead of the person attempting to steal my identity address. i have continually monitored my credit since receiving these letters and have noticed no hard or soft inquiries from this company. in the letters they have indicated my credit score and information about accounts in my name that can only be provided from my credit report which leads me to believe that a 3rd party did not attempt to obtain a loan but they in fact applied on my behalf without my permission which is in direct violation of the fdcpa and since they are a publicly traded company im sure this sort of practice violates ftc and sec regulations
Complaint sub-issue: Other problem getting your report or credit score

I have tried and tried to log into my XXXX credit report over several dozen times over this past year and last year. 2022 and 2023. Every-time I have called and tried to log into my XXXX. XXXX and the other reporting Credit companies have failed to correct bad and faults information on my credit reports.
Complaint sub-issue: Information belongs to someone else

LOOKED AT MY CREDIT REPORT AND NOTICE INFORMATION WAS LISTING ME LIVING IN XXXX, TN AND ACCOUNTS OPEN AS WELL MY INFORMATION MUST BE APART OF A DATA BREACH CAUSE I LIVE IN XXXX, XXXX XXXX ACCOUNTS DO NOT BELONG TO ME.
Complaint sub-issue: Their investigation did not fix an error on your report

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of these items from my credit report. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please DELETE this damaging information from my file right away! 

XXXX XXXX, XXXX XXXX  XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The credit bureau service is reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have sent two certified letters to the credit bureau and received no response at all. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a severe breach of my privacy rights. The credit bureau has failed to respond to my request to provide me with validation that I authorized these inquires. They also failed to remove the inquiries as requested. The credit bureau has violated the Fair Credit Reporting Act by not responding or taking either of these actions within 30 days of receipt of my certified letters. I am requesting that the credit bureau be investigated and that the inquiries be removed from my credit report immediately.
Complaint sub-issue: Information is not mine

I have fraudulent accounts listed on my Equifax credit report that do not belong to me. I have sent numerous letters, copies of personal identification information and police reports to Equifax informing them the following fraudulent accounts do not belong to me and that I am a victim of identity theft : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Child Support ENFORCEMENT, XXXX, XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This is regarding XXXX XXXX " XXXX XXXX '' alleged scoring system that I have been fighting with for at least two years. I have no outstanding credit except my primary residence. Yet, my score went down 23 points in  one month. Balance down. Date of oldest accounts ( average accounts )  up. Should be higher, not lower. Then, in further insult, the reports state that I have not opened enough accounts and my available balance is too low!!! Yet, everyone knows that if I follow the alleged advice, my score would decrease by over 100 points ( hard credit hits are 20 to 30 points negative impact for at least 24 months. ) Then, XXXX would end up reporting that I have too much available revolving credit - since they do not use length of employment or income or assets any longer. 
It is simply outrageous and I am specifically harmed by their false score reporting. Every one is using the XXXX because it is funded and controlled by the big 5 CRAs and no way around them. Another example. I have been in my home 18 years which I bought for CASH. I re-financed to get cash out, then my loan was sold multiple times, w/o the lenders informing me until AFTER the portfolio went somewhere else. So, instead of XXXX linking these together as the same loan with the same Borrower ( me ) and the identical property ; they report these as if they are new loans - and only show me owning this home for two years ... not 18. No call to my bank ( 16 years ) ; lender, etc. has resulted in anything except silence or " it's not our problem - take it up with XXXX ( who will not respond ). Not only that, they actually provide no contact information - it's a circular jerk. They refer you to your bank or lender who then refers you bank to XXXX. According to them, I am just now 7 points shy of falling  out of the best credit group. I need to buy my son a car soon, and some other things, and this will cost me at least 1 % more per month.