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

I have multiple dispute issues with XXXX, Equifax and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit  bureaus - NOT the consumer. 

Here is my dispute to XXXX, Equifax and XXXX ( below ). Due to the fact that these accounts are reporting  inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX XXXX I do not owe a balance of {$5800.00}. In addition, you are reporting that I did not pay on time for XX/XX/XXXX while Equifax shows that I paid on time!. Delete immediately! 

XXXX XXXX XXXX Theres absolutely no information on this account. Wheres the terms, type, high balance, limit, payment status, payment status details? You do not have any of that listed. How can the high balance be {$0.00}? Please delete at once. 

XXXX XXXX XXXX How are you still reporting the wrong balance? This doesnt make any sense at all! You did not at any time correct or delete this account, which you must now do based off the fact that you are not reporting this per the FCRA : Monthly payment : XXXX and Equifax $ XXXX/XXXX {$150.00} Status : XXXX : 30 days late/Equifax ; : 60 days late/XXXX : paid as agreed Youre screwing with my numbers and none of this is valid. Delete immediately. 

Any correspondence received to and from you will be made available to my attorney as well.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX I refreshed my 3 credit scores and it came back with no score for Equifax stating 'No Indicator on file '' and all of my history was gone! no accounts listed or anything just a blank report like I didn't exist or anything. I attempted to Call Equifax customer care team and they do not know what I'm trying to explain. I don't have access to my current score as it has since disappeared into thin air. I then attempted to get my Equifax report/score through different credit apps like XXXX and XXXX and I still did not receive a credit score or report back from Equifax. Either my credit file has some glitch or it has been mixed/split up. I can't get anyone at Equifax to help me with this issue and its been a huge stress to my life. Please recover my score and report!!
Complaint sub-issue: Information belongs to someone else

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Complaint sub-issue: Card opened as result of identity theft or fraud

I didt apply for this card
Complaint sub-issue: Their investigation did not fix an error on your report

I was sent a dispute letter stating that 2 collections on XX/XX/2021 were deleted from my account due to dispute investigation. Called XX/XX/2021 because the dispute still shows active spoke with equifax they stated they deleted it and the company put it back on XX/XX/2021. This collection was never removed from my account but I have the letter from equifax that states its to be deleted.
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 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 30days 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 and updated 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: Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX XXXX XXXX. Ive already included this in my previous complaint # & I am including it again., 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 XXXXXXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide. Based on their lack of response in the time frame allotted and lack of investigation results they have not abide by the laws.
Complaint sub-issue: Their investigation did not fix an error on your report

In attempting to clear up my credit, I sent several letters to Equifax about Chapter  XXXX  bankruptcy that is on my report. I asked that they send communication about verifiable proof of the following :  *the n ame of the courthouse *the person 's name they verified the dispute with  *the address *the telephone  number *the documentation used to verify the dispute According to FCRA, Sect ion 609 a ( 2 ) I  can request to see what they used as proof to verify the bankruptcy and FCRA, Sec . 611 par ( 6 ) ( B ) ( iii ) a   description of the procedure used to determine the accuracy and completeness of the information of a letter sent to Equifax on  XXXX . They sent letter back asking for identification and I sent that on  XXXX  ; however they did not send what I requested  Method of Verification  for Chapter  XXXX  bankruptcy. I sent another letter on   XXXX   stating that I sent the identification and that I wanted my request answered. Again they sent letter asking for identification again. How many times can you give them identification? This time I told them I would report them to the FTC and their website led me to you. As of today which is  XXXX  I have not received my answers to the aforementioned request.   Since there is NO LAW that the bankruptcy remain on your report for 10 years ; at least I have not seen one than it should be removed. if you can find that law please send it to me. The other two credit bureaus removed the bankruptcy and evidently Equifax refuses to provide the information I am requesting. With that being said the bankruptcy needs to be removed since it was  discharged  and I have not received the answers to my request. I believe they are stalling because they do not have that information. Hopefully you can intervene and find out why they  will  not respond.
Complaint sub-issue: Account status incorrect

This company failed to charge a late fee to me for my XXXX payment. XXXX payment was due XX/XX/XXXX I paid XX/XX/XXXX so I paid before 30 days. I called and told them to run my card for what was due. My XXXX payment came due XX/XX/XXXX I paid XX/XX/XXXX. Here they said you owe XXXX I said why they said they forgot to charge you the late fee for XXXX I was upset asked will that affect my credit because that was their fault I was told no. XXXX comes and I see I got a 30 day late flag on my credit reports. I call them no help. They tell me in right just dispute I have 3 times and they keep reporting I was late 30 days on my payment for XXXX even though XXXX was paid XX/XX/XXXX. They are saying because I paid the late fee late but that late fee was for XXXX for one and I did not pay it late, the local office didnt take it with my over the phone payment on XX/XX/XXXX. This is deceptive business practice and they refuse to take ownership of the issue. I always pay before 30 days is up and because they failed to take the right payment amount they wont remove the late payment report. Ive paid before 30 days every month ive had this acct!
Complaint sub-issue: Debt is not yours

at XXXX XXXX. i received a phone call from enhanced recovery at XXXX XXXX giving me a phone number which being the same as above, with a medical number of XXXX stating that this was a debt collection agency, when i called to the number to complain they want me to sign up for a free florida vacation. If you answer the questions to satisfy them they switch you to a XXXX XXXX talking about the free vacation. I told them i received a phone from enhanced recovery and had a reference number stated above and they hung up. This telephone number calls my phone numerous times a week, so i decided to return the call and found out it was fake, i would like to have this business checked out, i am on the do not call list, thanks
Complaint sub-issue: Confusing or misleading advertising about the credit card

Dear CFPB : This is a complaint against  Citibank for its hyper-aggressive marketing practices. Several months ago, when I applied for and was accepted for a Citibank credit card, I certainly did not expect the company would soon bombard with weekly direct mail ( not e-mail, but U.S. postal mail ) marketing offers. I want this to stop for a number of reasonsranging from junk mail cluttering my mailbox, to running the risk someone could steal my mail and open a credit card under my name, to protecting and respecting the environment. But no matter my reason, I seek the CFPBs assistance in helping me to bring Citibank to cease and desi st its out-of-control marketing practices.     See attachment for the most recent exa mple of Citibank 's ma rketing bombardment.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. On XX/XX/2022, a hard inquiry appeared on my Equifax credit report. When I saw that on my credit report, I immediately called the lender, XXXX XXXX. I told XXXX XXXX that the application done under my name was fraud ( application ID number : XXXX ). The XXXX XXXX representative I spoke with stated that they flagged the application as fraudulent, which resulted in the application being denied -- good! However, I went to Equifax 's website to dispute the hard inquiry from XXXX XXXX that I mentioned at the very beginning. After clicking " submit dispute '', Equifax 's website stated that they will investigate the dispute and contact the lender ( XXXX XXXX ) and it could take 30 days. However, XXXX minutes later, I get a notification from Equifax stating that my dispute has been denied. Their reason? " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY ''. I am a victim of identity theft! Equifax did not even contact the lender ( XXXX XXXX ) to investigate my dispute. XXXX XXXX agrees that this is fraud. Why? Because I was the one who called XXXX XXXX to let them know that it was fraud!
Complaint sub-issue: Personal information incorrect

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Complaint sub-issue: Information belongs to someone else

I have contacted XXXX by phone and mail to remove an item that doesn't belong to me and I have taken further action and I wont the debt removed as there is fraud that was investigated in the past that and I was told by a company working on my behalf that the information would be removed and it yet still appears. 

Dates of unauthorized inquiry XX/XX/XXXX for XXXX XXXX {$300.00} Credit Card agreed to remove from my credit report up to 30 days Date:XX/XX/XXXX {$4300.00} XXXX XXXX  Never Lived here asked for verified documents never received form original company neither heard back from XXXX 

XXXX XXXX - Debt {$2600.00} XX/XX/XXXX opened. Contacted both XXXX and Creditor no corrected actions. Reported on XXXX, Equifax XXXX XXXX XXXX - Debt {$2500.00} XX/XX/XXXX Opened No corrected actions of removal. Reported on XXXX XXXX and Equifax XXXX Debt {$920.00} Contacted by mail and phone Actions was deleted from one credit bureau but not XXXX and Equifax XXXX and company continues to report the information now. 

Equifax Credit Bureau Reports XXXX Debt {$170.00} inaccurate information, also disputed by mail on XX/XX/XXXX no corrected actions of deletion.
Complaint sub-issue: Can't close your account

I have had an account with Coinbase for the past three years. It is attached to my checking. I have had a portion of my pay check automatically deducted for almost three years. 

On XX/XX/18, I was moving my Cyrpto currency to a new platform when Coinbase suspended my trading activities. They even froze my crypts. I then tried to cancel my account but I have received no word after sending out several ticket requests. 

They also wanted me to verify my identity. I attempted f times to do thisand every time they said they my Drivers Licensee was not legible and to try again in 48 hours. 

According to Coinbase XXXX, they are allowed to suspend my trading activities without warning. However, their terms of service also state that : 1. I can close my account at any time 2. By their XXXX Coinbase is to distribute the remaining balance of my closed account
Complaint sub-issue: Can't decrease my monthly payments

Federal Student Loan borrowers are unable to deduct student loan interest they paid during the year if they make more than {$80000.00} per year. This rule should be reconsidered ; federal student loan interest should be able to be deducted no matter what one 's income, especially if one lives in a city with a high cost of living, is single and works in public service. High federal student loan interest rates create a burden on borrowers ; a tax deduction would ease some of this financial burden and allow borrowers to save for their futures.
Complaint sub-issue: Personal information incorrect

On XX/XX/2022, and XX/XX/2022, I, XXXX XXXX XXXX sent XXXX, and Equifax a letter stating to remove the incorrect addresses. Later on in the month, I spoke with XXXX and he stated they received the letter on XX/XX/2022. He told me that I would have to wait 30 days from then for the dispute to process. It is XX/XX/2022, and they have yet to deleted the inaccurate addresses. I have attached the letters asking them to delete this information. This is a violation of my rights under the FCRA 15 USC 1681b ( a ) ( 2 ). I never gave XXXX and Equifax written consent to report any addresses let alone these inaccurate addresses. They also have a name by XXXX XXXX XXXX and XXXX, XXXX are not my names and it needs to be deleted as well. XXXX is well aware of the disputes as they have said they received it and are now in violation of 15 USC 1681n for knowingly reporting this information as it has caused me to miss out on multiple opportunities with finding housing. I seek remedy as a protected consumer. Please contact me as soon as XXXX and Equifax responds.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

They are fraudulent activities on my credit report. They are hard inquiry that are not mine. And I need it removed. The address that these inquiries are under is not my address.
Complaint sub-issue: Was not notified of investigation status or results

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.
Complaint sub-issue: Information belongs to someone else

I recently checked my personal credit report and found the credit bureau reporting the following addresses that does not belong to me. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting a balance on an unverified and fully paid lease account of {$8100.00}. this balance reporting is wrong I paid this lease 100 % in full, never late. The account is showing incorrect and is fraudulent!!!!. XXXX XXXX is damaging my credit and reputation unjustly and WITHOUT Legal reporting/Dispute process. They have not ALLOWED ME TO review the proposed amount and dispute per FCCA the amount they are claiming i owe. This is a Violation of the FCRA and my person rights!!! 

I hereby demand this account be removed from my credit file, or positive proof of this amount be provided, as I NEVER took out/requested ANY credit from XXXX XXXX  or applied for any LOANS, CREDIT, AMOUNTS for XXXX from them.
Complaint sub-issue: Received bad information about your loan

I have repeatedly submitted an Employment Certification Form showing I worked for a PSLF eligible employer from XX/XX/XXXX to XX/XX/XXXX. Fedloan Servicing refuses to give me credit for all of that time, which should qualify under TEPSLF. I also submitted a ECF showing I worked for an eligible employer from XXXX, and I have not received credit for that time either. Please update my payment counts to reflect the time I worked at the XXXX XXXX and XXXX XXXX XXXX.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX continues to report delinquencies after receiving proofs of its previous errors and even reports new delinquencies in XX/XX/XXXX after the account closed following the sale of the property in XX/XX/XXXX. 
XXXX XXXX XXXX previously changed my mailing address without my knowledge or consent and recently provided misinformation to its attorneys regarding communication that was never received during its extortion between XXXX and XXXX ( see attached payment history and memorandum in reference to changing my mailing address.
Complaint sub-issue: Was not notified of investigation status or results

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

We have been receiving harassing phone calls from Keybank regarding an alleged debt. Although Keybank as been notified to stop calling, the calls continue daily. Also in attempt to resolve this alleged debt a notarized affidavit to dispute and requesting verification of debt was sent certified mail to Keybank back in XXXX 2020. No response was received regarding verification of debt. The calls had slowed after letter in XXXX 2020, however have recently started to be a couple to few times daily. My mother is elderly and has health conditions and has been disturbed tremendously with the stress from these phone calls and letters ( that note " debt collector '' ) from Keybank as she has hard time even getting the phone to answer. 

It was clearly communicated on each call from Keybank, to no longer call numbers noted on alleged debt account or to send threatening letters that they are debt collectors. A call received from Keybank today caused major stress as the representative responded to her after noting once again it wasn't her debt, please don't call ... representative responded " pay your bills and we won't be calling. '' Also stressed has been caused as Keybank has reported information to the credit bureaus that have adversely affected both of our credit scores. We are both aware of our natural protected consumer rights these are clear violations and we are requesting for this matter to be resolved as soon as possible as it is affecting our lives daily. 

Some of the noted dates and times of recent calls : XXXX/XXXX/20 XX/XX/XXXX20 XXXX XXXX XX/XX/XXXX20 XXXX *yes am ( have voice mail proof ) XX/XX/XXXX20 XXXX XXXX/XXXX20 XXXX XX/XX/XXXX20 - XXXX XX/XX/XXXX20 XXXX XXXX/XXXX/20 - XXXX Thank you.
Complaint sub-issue: Account status incorrect

I have been disputing inaccurate accounts with XXXX for over 8 months. They have provided me with any information about an investigation. I also contacted the creditors and they did not validate any information. My identity was stolen a couple years back, I'm not sure if these accounts are from that or just inaccurate. I have sent many letters providing proof of inaccurate, incorrect, and erroneous information they ignore me each month. 

These incorrect items are ruining my life. I don't know what else to do. 

The accounts below are incorrect. 

1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. DPT ED/XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX XXXX Account Number : XXXX 7.XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX