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

XXXX, XXXX, and Equifax are not responding to any letters I sent in for Debt Validation. I have multiple incorrect errors on my credit report that they are not reporting correctly. 

ACCLAIM CREDIT TECHNOLOGY OPENED XXXX XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATIONS DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATION DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE XXXX XXXX XXXX  OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE
Complaint sub-issue: Attempted to collect wrong amount

THE CREDITOR IS MISREPRESNTING THE DATE THEY LAST CONTACTED ME THE CREDITOR. I LAST HAD CONTACT WITH THIS CREDITOR IN LATE XXXX OR EARLY XXXX.
Complaint sub-issue: Debt is not yours

XXXX XXXX Account was opened on XX/XX/2019 XXXX XXXX I have never had an account On on XXXX credit buearus as a collection Amount {$2200.00}
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I was out of work for over a year and a half starting back in XXXX of XXXX. Ive been back working a little over XXXX months now. But during this hardship I faced I have not been able to keep up with my monthly payments. Unfortunately I missed XXXX payments on my account dating back to XX/XX/XXXX and more recently in XX/XX/XXXX which has dropped my credit score significantly. l have called asking for help to remove those XXXX 30 day derogatory marks off my credit report in turn supplying good faith that I will not miss another payment moving forward. But they cant help me in that aspect Ive been told repeatedly though they did remove some of my interest amount off my account which was very kind of them in that regard. This pandemic has beaten me down financially I have no savings at this point Im trying my best to correct my financial status and my credit is vital in that aspect. I would really appreciate some help with this issue. My payments have always been on time besides these XXXX unfortunate events. Ive still remained a loyal customer to this retailer despite all that has occurred.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX   :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX  XXXX XXXX  XXXX XXXX, TX XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX Equifax :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : Equifax : Validate Account XXXX Account Number : Please investigate and delete from my credit report.
Complaint sub-issue: Debt is not yours

I have received notices that I owe money to a company called XXXX which hired a company called ZenResolve to collect {$1600.00}. They don't have my birthdate but somehow they have my social security. I am unfamiliar with this company. They don't have any contracts or statements to accurately reflect that any monies were taken. Again, I don't recognize this company and they reference a bank account with XXXX XXXX that I don't have. In fact, I don't have a XXXX XXXX account. 

I am trying to get this debt discharged and make sure it doesnt affect my credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to XXXX in regards to an account that does not belong to me. They have continuously denied my dispute requests even after sending in personal identification documents to verify the account. This account does not belong to me yet they continue to report it on my credit file. I have disputed this account with Equifax numerous times and they continue to verify it as accurate however upon reaching out to XXXX, they are reporting an address and name that does not belong to me nor shows up on any of my credit files account. I reached out to XXXX and requested proof of ownership of this account, however XXXX was not able to provide this proof of ownership. They were not even able to send a letter back stating that they can not provide proof of ownership. When I contacted them, they claimed that it should've been mailed to my address on file. This is blatantly idiotic because I have disputed that the information they have on file does not match up with my personal information, so clearly I would never get letters about an account or dispute decision to an address that doesn't belong to me. I have contacted XXXX numerous times and they refuse to remove this account from my Equifax credit file even though my personal information shows that the account doesn't belong to me. I disputed this same account with XXXX and XXXX and it was swiftly removed because it doesn't belong to me.
Complaint sub-issue: Reporting company used your report improperly

I was a victim of the XXXX XXXX, 2017 Equifax security breach and my credit information has been access without my consent.
Complaint sub-issue: Debt is not mine

I have never received medical care at this facility.
Complaint sub-issue: Problem getting report or credit score

Equifax says you can dispute the accuracy of the info in your credit report online, and I have provided, every which way to Monday, the info they are requesting to do but, keep getting and error message and/or a message that they " are unable to process [ my ] request at this time. '' This has been going on for over a week, over 30 attempts with the same type of response, so you really are not able to get your report and dispute the items online as advertised.
Complaint sub-issue: Account status incorrect

Under RESPA my loan should never have been reported as late as I am protected from any lates fees and/or late reporting for 60 days within my loan transfer. XXXX XXXX  recieved my loan on XX/XX/2020 and went ahead and reported me late to my credit report on XX/XX/2020 along with charging me a late fee on the XXXX which was finally waived, however they have failed to remove the 60 day late on my credit report which is negatively effecting my current loan application Under RESPA they are required to immediately remove this reporting and fix their violation, instead customer service informed me they would review their mistake, which they admitted and wrote notes on, however it would take up to 60 days, whereas they should have immediately inputted a request for immediate action This is a major violation and needs to be corrected as it is costing myself damages in loan approval based on their inaccurate reporting furthermore they are continuing the negligence by failing to remove the information immediately as required by law instead choosing to give me 60 days for a review.
Complaint sub-issue: Information is not mine

I never signed nor endorsed any contract or applications that gave authorization to this company that created multiple inquiries into my credit profile. Someone has unlawfully used my name, unambiguous information and endorsements. Additionally the company did not have a permissible purpose to inquire into my credit profile. These inquiries were done without my knowledge, authorization, consent and or signature.
Complaint sub-issue: Reporting company used your report improperly

Equifax improperly secured my personal information and according to their equifaxsecurity2017.com service, my data were compromised. Equifax is now coercing those affected to enroll in their TrustedID Premier service ( after the website tells customers their data were compromised the only remaining dialogue says " click the button below to continue your enrollment in TrustedID Premier '', the terms and conditions for which void customers ' rights to legal action against Equifax. ) Outside of the option of never applying for credit, at no point in my life have I ever had any option to prevent Equifax from obtaining my information. The action of simply applying for credit in the United States has left me vulnerable to Equifax 's improper data security. Therefore, Equifax was entirely responsible for ensuring my privacy, which they failed to do.
Complaint sub-issue: Reporting company used your report improperly

Ive noticed unauthorized accounts on my credit reports
Complaint sub-issue: Problem with balance transfer

I did a balance transfer of XXXX from my XXXX XXXX XXXX  credit card to my Citi double cash credit card on XX/XX/2022. That amount was transferred to my Citi card but still reflects on my XXXX XXXXXXXX card. I have been in contact with both companies back and forth for XXXX weeks. Ultimately, the transfer was taken off a XXXX  XXXX bank card that does not belong to me. The last XXXX digits of that card are not even remotely close to mine. Citi card says its not their fault because XXXX XXXX XXXX cashed the balance transfer to them. XXXX XXXX XXXX card says its citys fault because they gave the wrong card number. I filed a dispute/investigation with citi. The only paper response I have received from them is that a dispute is open. By phone, they still advise it is XXXX XXXX XXXX fault. I filed a dispute with XXXX XXXX XXXX to which I have received no further communication. I have no idea which company needs to fix the problem but a month and half later this XXXX is still reflecting on both cards.
Complaint sub-issue: Received bad information about your loan

I have a loan on my credit report and one that they keep trying to charge me for when I paid off all my loans in XXXX of XXXX When I took these I asked them if these are all the loans on mine and my co-signers account and they confirmed it was. Now currently they are saying I have one loan still on my account. But it doesnt appear on my co-signers account and at the time I was an unemployed college student with a low credit I would have never been approved for a XXXX dollar loan with out the co-signer. They keep harassing me and my co-signer. We refinance all the loans in XXXX of XXXX back when interest rates were low. But now with them high its just unacceptable. Ive tried to resolve this with the company but they are hostile and hard to work with
Complaint sub-issue: Their investigation did not fix an error on your report

My outstanding complaint is filed under three Complaint ID 's :  XXXX, XXXX, XXXX, but there seems to be no way to leave this message under my existing screen - maybe because your agency has advised me that the Credit Bureaus have responded and my case is closed. 
I complained because my credit rating was sharply reduced after several months of doing absolutely nothing to cause that reduction ( no new accounts, every account paid on time and several reduced to XXXX - though I didn't close those accounts since that would be a negative consideration ) This is why I would like to reopen my complaint : The credit bureaus were not responsive to my complaint. As they have all done - exactly as in previous years - was simply send me my complete credit history and a note summarizing the factors considered when determining a credit rating. After reviewing their response, it simply confirmed that my credit rating should NOT have been reduced but should, in fact, have improved. 
When I went back to the bureaus to point this out, each of them responded by simply sending me another copy of my complete credit history and the same summary of how a credit rating is determined. 
Therefore, my complaint has certainly NOT been addressed and the Complaint Numbers should definitely remain open. 
I truly wish that your agency would follow-up with the credit agencies to let them know that it's infuriating to receive that kind of standard response despite the nature of a complaint. 
It would also be of enormous help if your agency made an effort to convince the credit bureaus that they should post information on-line which would allow anyone to determine exactly why their credit rating was reduced. This would, of course, reduce the number of complaints to the Credit Bureau ( and to your agency as well ), and  would be a wonderful way of teaching people how to maintain a good credit rating. 
Please, Please, Please let me know that my complaint is still being worked on, as I will pass it on to the two Virginia XXXX who received my original complaint. 
Thank you so very much ... ... ... ... ... .... XXXX
Complaint sub-issue: Attempted to collect wrong amount

The collector is refusing payment on account # XXXX which has total balance of XXXX unless they secure a payment for another unrelated account that is past the statue of limitation.
Complaint sub-issue: Received bad information about your loan

Fed loans has misplaced my employment certification form for one year of my loan repayment. Currently only 8 qualified payments. ( XXXX ). They have misplaced my XXXX form. Employment certification form was resubmitted XX/XX/XXXX along with this years form onXX/XX/XXXX. Please help with getting payments qualified for PSLF.
Complaint sub-issue: Didn't receive enough information to verify debt

I checked my credit report and on XX/XX/2020 I was put into collections from Enhanced Recovery Company, their number is XXXX XXXX XXXX, They are trying to collect a debt from XXXX-XXXX, this debt is way over the statute of limitations and I have not received any correspondence about this debt. I am a XXXX veteran and a XXXX XXXX XXXX, I need loans to help me get through the COVID-19 emergency and they have jeopardized my livelihood as well as my XXXX XXXX with their shady business practices. They fraudulently submitted a collection to the credit reporting bureaus and they have not even attempted to reach out to me. After 11 years this is outrageous and this shouldnt be allowed, I am considering taking my own legal action for potential losses they have caused to my XXXX  for their incompetence.
Complaint sub-issue: Reporting company used your report improperly

Equifax 2017 data breach. Incompetent and gross negligence in handling of sensitive PII. Blatantly and unashamedly offering their own ineffective theft protection service for a year as compensation for losing data that can not be changed for the rest of my life, but requiring that I waive my right to sue them for their disgusting actions.
Complaint sub-issue: Information belongs to someone else

I'VE BEEN TRYING TO GET THE CREDIT BUREAUS TO DELETE THESE ACCOUNTS THAT WERE NOT OPENED BY ME REMOVED FROM MY CREDIT REPORT SO I CAN REFINANCE MY HOME.
Complaint sub-issue: Information belongs to someone else

It a fraud I dont k ow this people never took anything from them or borrow anything from them I do t understand how this spear to my credit report
Complaint sub-issue: Information belongs to someone else

I have been trying to start a new company for my LLC and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXX.My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX
Complaint sub-issue: Account status incorrect

My account charged off in error. Even after me making payments. 

I called in on XX/XX/XXXX two times, XXXX, XX/XX/XXXX, XX/XX/XXXX, and now twice on XX/XX/XXXX. I spoke to several people who informed me not to worry my account would be corrected and I would not be adversely affected. Today Lending Club reported to the credit agency 's that I have a charged off account which has made my score drop approximately 100 points. I think this beyond unfair to me as a consumer. I was reassured on several conversations with their company that this would not happen. 

I reviewed the documents sent to me for the loan and it does not mention anything about charge period being expedited. 

I called in on XX/XX/XXXX and made a payment via phone in which the rep told me she would set me up auto payments. Asked for a supervisor to call me. 

Called in on XX/XX/XXXX payment did not come out of my account because it was removed and still in a charge off status. I told them I would be happy to make my payment when this problem has been corrected. Asked for a supervisor to call me. 

XX/XX/XXXX still no resolution. No supervisor has called me since my request on XXXX. Every time I call I am told someone will call me but that never happens.
Complaint sub-issue: Debt was result of identity theft

The following account is fraudulent and needs to be deleted and blocked immediately from my XXXX   credit report. 

XXXX  XXXX XXXX Account # : XXXX
Complaint sub-issue: Trouble with how payments are handled

I was trying to pay my lowest balance student loan originated on XXXX/XXXX/XXXX with a blance of XXXX as of XXXX/XXXX/XXXX. On XXXX paid off the amount reflected on my account in the amount of {$800.00}. On XXXX/XXXX/XXXX there was a balance of {$14.00} and today XXXX/XXXX/XXXX there is XXXX balance. The account is accruing interest even though its paid off. I called Fed Loan Servicing twice and got responses that did not make sense concerning the accrued interest. I want them to refund me the amount of {$14.00} in a check payable to me not applied to my loans. I will determine how I want my payments applied. I also want FEDLOAN SERVICING investigated on their loan interest accrual. Obviously they have issues.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX on 4 different occasions twice by phone and twice by certified mail. They insist that they have verified the accounts in dispute. This company XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1400.00} and {$1500.00} with XXXX, XXXX, & Equifax credit reporting agencies. I requested validation of the debt and I have n't received anything. Considering that this business does not have a contract with me, nor have they provided any services to me I am not obligated to pay for this alleged debt. I am demanding that the business remove the negative report against my SSN and any credit reporting agency. In addition the business agrees to have no contact of any form with the regarding this account now and/or in the future. Lastly I 'd like them to remove my personal information from all accounts in the companies database. Back in XXXX 2017 these accounts were removed from my XXXX credit report and placed back on my report in XXXX. This is becoming very frustrating and overwhelming and it 's making it hard for me to acquire credit and become a homeowner. The company is very harassing and they continuously call all day and during the evening as well. XXXX ACCT # XXXX XXXX ACCT # XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX ... To Whom It May Concern : I have contacted the debit card department and they confirmed that the account was closed and does not have any balance. This is reporting negatively on my credit report as Paid in Settlement {$39.00} written off. There was fraudulent transaction and it was disputed and I have paid the full balance. The representative over the phone clearly mentioned that there is no balance and this company still reports incorrect information on my credit report. This is hurting my credit score and my ability to get a home mortgage for my family with XXXX kids. Please delete this information from my credit report immediately.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I attempted to purchase an airline ticket on XXXX with my ATM card issued by CITIBANK. The XXXX web site did not confirm the booking nor did I receive a confirmation via email of any ticket purchase, yet CITIBANK immediately deducted {$550.00} for the ticket purchase. I called CITIBANK on XX/XX/XXXX and told them about the issue. They told me that they had initiated a dispute on the charge. I contacted XXXX who told me that their site was not functioning, and that they would not process the charge since no ticket was ever issued. I called CITIBANK again on Friday, XX/XX/2019 and Citibank told me that they would not commence an investigation on the matter until the merchant would collect on the money or after three business days from the first posting of the transaction. I asked why they would not call the Merchant and release the transaction, and they told me that they do not do it until the merchant collects or after three days. That means that for three days CITIBANK has illegally used {$550.00} from my account, and collected interest on it. They further misled me into believing they would inquire into the transaction while they had a practice of not doing anything about it. This is a deceptive practice for the sole purpose of using account holders money without paying interest on it.