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

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my report.

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well.

This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.
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. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : PORTFOLIO # XXXX, Account name : 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: Information belongs to someone else

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Complaint sub-issue: Debt was paid

I had paid over the phone with them in XXXX, given my banking info. I noticed there were multiple debts on my record from being XXXX. After paying my debts in late XXXX and XXXX this account I noticed had never been labeled as settled I had called them inquiring about why there wasn't a settled claim like on my other debts and why they chose to just remove it. Nemo 's collections assured me the debt was handled properly and as I see it they has repeatedly been adjusting the amount I owe and deleting the evidence I would've had by not filing the debt as settled, I have tried to talk about my debt and the evidence I paid should've been in my XXXX  XXXX   report along with my other debts with a settled claim. I assume there are records I can't access that would show them removing and adding to my debt repeatedly.
Complaint sub-issue: Billing dispute for services

Ive contacted Equifax on a number of occasions however I wasnt able to resolve the matter and asked that they verify the accounts on my credit report due to all accounts being inaccurate. Under the fair credit reportings act ( FCRA ) myself as a consumer have the right to get a copy of my credit report as soon as Equifax investigate all accounts and verify accounts with a signed signature or contract verifying account belongs to me.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted XXXX  asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, PLEASE REINVESTIGATE THIS MATTER AND HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE FOR THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I disputed the following inquires with Equifax and within a few days their response was that everything was confirmed. You would think with their Breach that they would be more vigilant regarding accurate reporting of the inquires. They already have a black-eye because I was one of the people who's information was leaked. 
So not only did they not do a proper inquiry into my issues, they did made me feel as if it was my fault that 10+inquries some from the same company would be on my report dropping the score. 
XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX/game Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Bank XXXX XXXX from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX XXXX Inquiry from XX/XX/XXXX Half of these I don't recognize and some of them have repeats ... .how could you not investigate these issues given the fact that they are not accurate and they did not even do their due diligence. I'm insulted that they answered the inquiry in days like they didn't even bother.
Complaint sub-issue: Old information reappears or never goes away

Confirmation number so Equifax can see my report. XXXX equifax removed a XXXX XXXX closed account off of my bureau 4 years ago because I proved it was not mine. It has since been off of my report since then until last month they decided to put it back on my report again which is illegal. They also have re aged the account to show last months date even though it shows the account was opened over 7 years ago and are reporting it with a charged off balance which is dropping my score by over 70 points. I have tried to dispute this error but it shows unavailable to dispute on equifaxs site. This is the only negative account I have on my report and it is keeping me from refinancing my home which is costing me thousands of dollars. equifax needs to remove this account completely again from my report or I will be filing a suit
Complaint sub-issue: Was not notified of investigation status or results

Upon reviewing my credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter for request to XXXX Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Inquiry : XXXX Date of Inquiry XX/XX/2020
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2021 i submitted documentation to the credit agencies requesting them to remove accounts. that has been reporting as a violation pursuant to 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the " term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. The credit card is my Social Security Card.The card used to create the consumer transaction listed. 
The company did not responded in the time allowed so these accounts should be removed.i received notice of receipt on XXXX XXXX, XXXX and XXXX with no response and it is past the 30 days
Complaint sub-issue: Didn't receive notice of right to dispute

Today I called XXXX XXXX, XXXX that is the collection agency handling my Citibank Credit card account which I apparently owe {$1400.00}. This amount reflects on my credit report. I called to offer a settlement of 50 % of my debt and submit a payment today. I called XXXX XXXX 3 times today and was on hold for over an hour and transferred more than 3 times to different departments. I spoke with a XXXX XXXX and she gave me the number XXXX ext XXXX and told me to call them to make payments. I called twice and left 2 voicemails and nobody called me back. I called XXXX 's main phone XXXX and was then directed to XXXX XXXX and stated I needed to make a payment today because I am in training and I will not be available due to duty requirements and I need to make a settlement payment today. He put me on hold for over 30 mins and then I was transferred to another department where I waited on line again for an extended amount of time. Someone eventually answered and told me that I would have to call back in a couple of hours or someone will contact me. XXXX XXXX called me back and said that he had been discussing my account with the Liasion and management and then the soonest they could get back with me was in 7 days and if I was in training then I would have to call them back at my availability to make payment. I tried several attempts to make payments today to settle my account and I also talked with a Supervisor but no one was able to accept my payment and then ultimately said they would have to contact me in 7 days but not offering any explanation as to why. I did let them know I was an XXXX XXXX member that was currently in training.
Complaint sub-issue: Account information incorrect

I, XXXX XXXX, authorize EQUIFAX, INC to move forward with this complaint. To my understanding of the law EQUIFAX, INC is violating my consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), transactions or experiences between myself, the consumer, and the person making the report are supposed to be excluded from my consumer report. Payment history is a list of TRANSACTIONS. The amount of credit extended and/or amount of credit being used are EXPERIENCES. This would mean it is illegal to be reporting payment history and the amount of credit extended and/or being used because it should be EXCLUDED from a consumer report. I can hold you civilly liable for {$1000.00} for each violation for willfully violating me pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ). In addition, 15 USC 1666b ( a ) states that a creditor can not treat a payment as late for any purpose. So now the question is outside of transaction history being reported illegally, how can it be reported that I was late on this account if the law states that I can not be late for any purpose. The account shows paid and closed so when was I allegedly late? The unlawful activity that you are participating in has caused me to be fearful of applying for lines of credit because I felt that I ran the risk of being denied.
Complaint sub-issue: Information belongs to someone else

I am only having this issue with Equifax. I have filed disputes to no prevail. Currently, Equifax is reporting an extensive number of accounts on my report and only 3 accounts with XXXX  bank belong with me. XXXX fraud has verified that my SSN is not being used for other credit cards and has contacted Equifax to remove the wrong accounts and they haven't done so. During my first account dispute, Equifax removed several accounts, but then added more that still aren't mine. I've also called several of the companies, the main being a mortgage company that is on my file to verify if my information was used, and they confirmed that my SSN was never used to open accounts. Equifax also has previous addresses listed on my file where I have never lived. I have lived at the same address since I was XXXX years old. 

XXXX, and XXXX are both reporting my open, closed, and hard inquiries correctly. Equifax is only reporting my 3 open XXXX cards ( after contacted by XXXX ), and one recent hard inquiry. The rest of the accounts and inquiries do not belong to me. I have been in contact with Equifax since XXXX trying to correct the issue and I have had no luck I have files 6 disputes with Equifax and I have not gotten anywhere. I will provide any and all information needed to rectify this issue. Please help.
Complaint sub-issue: Deposits and withdrawals

My complaint id is XXXX .... I talk to XXXX from executive offices at pnc bank. She still claiming i withdrew {$1400.00} dollars. I explain to her you can only withdraw {$700.00} dollars.. Than tried to say they put the wrong date. I want to sue. Someone is withdrawing my money and it simple not true. My email has changed. It is now XXXX. Do i file my police report now or wait. I will also file with the Attorney Generals office. 

XXXX XXXX XXXX XXXX, nj XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute a fraudulent charge on my account of {$14000.00}, {$11000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 



-PERSONAL LOAN- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 








Sincerely, XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank double charged a dispute from me after four months of investigation for the dispute. After calling their dispute apartment for several times, they always said : '' Please call us later to track investigation. '' They are stealing money! The details are below : 1. On XX/XX/XXXX, I paid XXXX {$660.00} I paid off the balance as the monthly payment so the balance becomes zero from {$660.00}. 

2. On XX/XX/XXXX, I requested dispute against XXXX for {$660.00} because I don't receive the service from them. Citibank gave a conditional credit so my card balance becomes - {$660.00} ( citibank owes me money ). 

I didn't draw the money and patiently waited for dispute result. 

3. On XX/XX/XXXX, I found the card balance becomes {$660.00} from - {$660.00} and the dispute case is marked as resolved!! How come I suddenly owe citibank money? Even if the dispute got rejected, the balance should become zero from XXXX ( conditional credit ). 

After calling them for many times, they still asked me to wait a bit as they are investigating.. So they double charged me XXXX, made it due in XXXX weeks, and then asked me to wait for months for investigation? It doesn't make sense at all. What a sketchy department!! Give me my money back pls : )
Complaint sub-issue: Account information incorrect

Equfax is allowing a company to incorrectly report data on y credit report. I have submitted a letter to them from the collection company dated XX/XX/2021 that say I only owe {$350.00}. Yet despite having a copy of this letter they are still allowing the company to report that as of XX/XX/XXXX I owe a balance of {$440.00}. and have made no payments. I filed a dispute and the information was not corrected. I faxed and mailed a copy of the letter to Equfax. I also attached a copy of the letter to my dispute form. Despite all of this they are still allowing the company to report incorrect information. See attachments.
Complaint sub-issue: Public record

I see that Equifax credit Bureau filed a civil Judgement Case/Docket # XXXXon my credit file which this account was paid in full on XX/XX/2016 I have a proof of my breakdown rent report that shows it was paid in full satisfied and because of this Equifax has ruin my credit without no reason
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't temporarily delay making payments

After experiencing severe and ongoing financial hardship related directly to the current and ongoing COVID-19 crisis beginning XX/XX/XXXX2020 and continuing today, I contacted my private student loan servicer, American Education Services, to request an immediate extension of the Coronavirus Forbearance extension on all of my privately held student loans with AES. Upon speaking to several representatives, I was informed that this should be no issue, as all lenders were being very responsive to COVID-19 forbearances and extensions. However, upon requesting this extension three weeks ago as well as informing AES that I had been also affected by an earthquake in the Southern California area which affected my work in XXXX 2020, I was informed that this would be sent to my lender for approval and that they would also attempt to get this approved for a 90 day forbearance internally. I was advised on XX/XX/XXXX2020 by an AES Supervisor that my loans would be processed for forbearance approval within 24 hours to present, my loans held by NCT have not been placed in Disaster Forbearance, as promised, and I have not been contacted by my contact person who is a liaison for NCT, Mr. XXXX XXXX with AES, after several voice mails on XX/XX/XXXX20, XXXX/XXXX/20, XX/XX/XXXX20 and XXXX/XXXX/20. Additionally, I have not been contacted by National Collegiate Trust, and was advised " there is no way to contact this lender ''. I remain extremely distressed at this situation, and appalled at AES and NCTs handling of my situation, especially as an individual who has been affected personally by the Coronavirus both medically and professionally and financially. In addition to being severely affected by the COVID-19 crisis, due to the nature of my work, my employment has been profoundly affected by other natural disasters in my area, most recently an earthquake and the Soledad wildfires in XXXX county. I am at this time requesting immediate and urgent contact from the Executive Office of National Collegiate Trust, to ensure that my loans are placed in an immediate Disaster Forbearance as related to the COVID-19 crisis, which continues to severely affect me due to the state of California still being largely on lockdown and my employment being affected severely. Please urgently ensure this matter is resolved and my loans are placed in an Emergency forbearance as related to the ongoing national crisis. Thank you kindly in advance.
Complaint sub-issue: Investigation took more than 30 days

Equifax has been contacted dating back to XXXX. Even the data breach at Equifax included me when I entered my ss # last four. I didn't receive compensation eventhough I am a victim of identity theft dating back XXXX. 
I called Equifax about an error teporting of XXXX XXXX XXXX XXXX and has cost me in at least XXXX in loss, opening of new credit, purchase of new vehicle when credit was checked this document from Equifax dated XX/XX/XXXX stated it wasn't being reported but I was told by the bank Equifax was still Reporting the negative account on my credit report not to mention it cost me job opportunities too. I called Equifax too violating my FCRA RIGHTS.
Complaint sub-issue: Didn't receive enough information to verify debt

I filed an initial complaint to receive debt verification from JCS on XX/XX/2021. A second validation of debt was sent to JCS on XX/XX/2021. Despite these attempts, Jefferson Capital failed to provide legal verification of any alleged debt. Since the requested information was never received, I presume that no proof of the alleged debt exists, nor therefore any such debt, in fact therefore exists.
Complaint sub-issue: Didn't receive enough information to verify debt

Received multiple letters/phone calls from Webcollex LLC dba CKS Financial, trying to attempt a debt. Requested a notarized debt validation letter between self and Webcollex LLC dba CKS Financial.
Complaint sub-issue: Attempted to collect wrong amount

I have ordered a bedroom set from XXXX XXXX in 2016. The one I wanted only came in king I was told I had to wait for queen to be delivered.i was told it would come in 3 weeks. I signed the papers and made my first 2 payments. 3 weeks rolled around no bed. I was told it was on back order. 6 weeks later the furniture store closed down and I never got my bedroom set I called them and told them several times they only care about collecting thier money not that I was scammed. This can be verified the location was XXXX XXXX mall.
Complaint sub-issue: Trouble with how payments are being handled

I HAVE A LETTER STATING THEY WILL REMOVE ANY PAST DUE AMOUNTS AND HISTORY