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

I have reached out to XXXX, Equifax, and XXXX for the last year or so regarding inaccurate information that is being reported on my credit file concerning bankruptcy. Every time I would reach out to these three companies, to have them remove this bankruptcy due to inaccurate information, they keep stating the company that reported the information to them has certified to their company, the information is accurate. I've asked them several times to provide me with the name of the company and the name and the telephone number of the person, who verified the information, and the documents that were sent to your company to verify this information. Also, these 3 bureaus companies are lying and reporting false information because I reached out to XXXX XXXX and I called them and they stated that you all have not reached out to them because they dont have anything on file and Ive also included the letters that I received from them as well and also I included a letter from the courts stating that they do not report anything to the credit bureaus. So, how are you really verifying this information? Once again, please delete/remove this bankruptcy and send me an updated copy of my credit report. PLEASE DELETE IMMEDETIALY.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX shows this status - Account charged off. {$2500.00} written off. {$670.00} past due as of XX/XX/XXXX. 

They were paid off nearly XXXX by insurance. This does not reflect on write off amount XXXX was promised to be waived once insurance was paid which was never done.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX XXXX sent two XXXX to an address where I didn't live on approximately XXXX. I never received the phones and XXXX verbally has stated phones were returned by XXXX XXXX & apologizes every time I call. However the have kept billing my credit card for them. Citi Cards visa by Costco responded to my dispute several times and has ruled in my favor only to have XXXX resubmit the charges repeatedly every month now for 5 months. The charges are for {$910.00} and {$960.00} each. XXXX has changed the story in last 2 months saying the returned phone boxes were empty and therefore someone probably stole them. Citi Cards keeps rebilling my credit card inspite of no change in evidence and inspite of many phone calls from me complaining that this is now at a fraudulent stage. They are favoring the merchant over the customer wherein the crime has been committed by the merchant. My story has not changed and I have spent many hours over this fraudulent process. I can litigate against XXXX which will be my next step. However, I expect my credit card company to support me when I am not at fault. This has been going on for 5 months and must stop. Let the XXXX XXXX come after me if they feel that I am wrong and make their case. XXXX and Citi Cards have written documents from me in this XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Equifax will not allow me to check my disputes
Complaint sub-issue: Debt was paid

XXXX XXXX  XXXX are trying to collect on an invalid debt from XXXX XXXX. XXXX XXXX was paid in Full. I have submitted a separate complaint about XXXX XXXX and the incorrect balance due.
Complaint sub-issue: Problem using a debit or ATM card

A fraudulent charge was made on my business checking account on XX/XX/2020 through Key Bank. The bank was alerted ( by their own fraud detection algorithms ) that a charge on my card looked suspicious. They notified me and I advised them that it was indeed fraudulent, I did not make these purchases. I am in Ohio, the charges occurred in New York. The money was nevertheless deducted from my account. I was told they need to investigate before the money would be credited back to me. It has been 10 days. Still, they have not fully returned my money.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After reviewing my report I noticed an unauthorized inquiry on my report. 

I am DISTRESSED as a result of this report as it could hurt my ability to obtain credit. 

Credit reporting laws ensure that credit reporting agencies ONLY report 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the PHYSICAL verification of the original signed consumer contract, or an inquiry initiation confirmed through PHYSICAL Identity verification on ANY and ALL accounts that you post on a credit report. Otherwise ANYONE paying for your reporting services could fax, mail or email in a fraudulent account or initiate applications for credit by using stolen identity information. 

I demand that the following inquiry be removed IMMEDIATELY as it was not initiated by me and is not mine : XXXX  | XX/XX/2022
Complaint sub-issue: Information belongs to someone else

Tried to dispute fraudulent inquiries on my file with Equifax & XXXX wrote letters several times even tried calling the dispute department for both Equifax and XXXX, even claiming the inquiries are fraudulent they still both denied me to dispute them, both bureaus told to call each collectors, the collectors doesnt have contact information on most of the items, and even stated my FCRA rights to the bureaus they both just put me ON HOLD FOR SO LONG TILL I Decided to hang up.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

EQUIFAX just violated the law and reported unauthorized inquiries which is unknown from my credit report.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and i haven't received any investigations results.
Complaint sub-issue: Debt is not yours

In the year of XX/XX/XXXX my identification was stolen from me. I see on my credit statement that I have a hard inquiry on it from back in XX/XX/XXXX, which I have/had no knowledge about, dont even know what it is or for.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2022 I disputed a total of XXXX inquiries on my Equifax consumer report and in less than 8 hours, Equifax " reinvestigated '' and found all the inquires " factual '' I demand to see all documents obtained in the " reinvestigation '' that validated these inquiries that did NOT result of any credit extension or new open accounts. In pursuant to [ 15 USC 1681i ( a ) ( a ) ] the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


Confirmation # XXXX that is confirmation numbered I received from Equifax following " reinvestigation ''
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Complaint sub-issue: Investigation took more than 30 days

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Problem getting report or credit score

I assert that Equifax is retaliating against me for having filed a complaint against them with CFPB, in that they have disallowed my ability to file a dispute online and the automated system does not recognize my PIN and personal information when lifting a security freeze. Each time I 've reported the problems, Equifax staff state that it 's just a system error. I have to waste hours on the phone to file a dispute against ant inaccurate records and experience great delays with processing the lift of my security freeze when seeking to apply for credit. Their conduct is assertedly retaliatory.
Complaint sub-issue: Public record

Equifax is still reporting a civil judgment on my credit report when it has been paid and should no longer be reporting.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is still being reported on my credit report. it is over 7 half years old and need to be remove. violate of fcr 611.
Complaint sub-issue: Account status incorrect

My credit card with PNC Bank had been written off and included on my credit report as a write off during COVID despite my previous communications to PNC Bank to explain that I had notified the customer service representative ( multiple times ) of my loss of employment. I would like to pay the amount owed in full, but prior to doing so, have reached out to PNC multiple times to ask how quickly the error on my credit report can be corrected to reflect that my card should not have been written-off and is paid in full. This error has resulted in my inability to find full time employment and substantial financial loss. In addition, today I reached out to PNC again ( at XXXX ) to find out when this correction will be reflected on my credit report and the representative ( reading from a script ) refused to answer the following questions : 1. What is the process for reporting credit card payments to the credit bureau? 2.Which department at PNC is responsible for reporting the payments to the credit bureau? 3. If I pay the amount today, when with the payment and correction be reflected on my credit report?

Again, I would like to pay the total balance IMMEDIATELY, but need PNC Bank to confirm that this error will be corrected and assurance that the payment will be reflected on my credit report within 30 days of the payment submission date.
Complaint sub-issue: Attempted to collect wrong amount

Macy 's allows its clients to enroll in autopay, and then stops honoring it without informing the client ( even when one 's account shows current autopay enrollment. ) They then charge late fees and report nonpayment to credit bureaus after 30 days. I have tried to have this corrected, but have received no response. This happened in XXXX as well, but this time it has affected my credit rating at a time when I am pursuing a home equity line of credit ( HELOC ). Each time it occurs, I have had fairly large balances in my checking account ( ~ {$3000.00} - XXXX ) so it is not because of lack of funds. ( They actually do n't claim that it is ; they just stop honoring autopay. ) In XXXX, I was told ( after inquiring ) that my autopay was canceled if I did not use my account every month. The information regarding autopay available at the time I enrolled did NOT disclose this, and I believe the practice was later changed. I was not notified and was then charged late fees if my payment, which I did not know had not been paid by autopay, was overdue. 

Interestingly, for a period of time, I received notices each month, stating that in accordance with my request, my bill was being paid by autopay. It was n't unusual, however, for my card to still be declined days after receiving this notice! A few sales people from different stores have told me they receive billing complaints " all the time. '' Last month I learned that Macy 's was once again failing to honor my autopay, and that they had reported me to the credit bureaus in XXXX XXXX for a 30 day-late payment. When I checked my account online, it indicated that I was currently enrolled, so I do n't understand why my bills were not paid. ( I attached a screen shot of my account page indicating " Autopay On. '' ) I went through the enrollment process again, even though under status, it stated that I was already enrolled. 

I have just learned that because of this, I either can not get a HELOC or will have to do so with a significantly higher interest rate. The credit agencies also cited the time in XXXX when Macy 's did the same thing. Because it was more remote, it did not have the same weight individually, but together, the XXXX have a significant effect. 

In XXXX, I asked Macy 's to remove the late payment notice that was submitted because of their error, and to send me a letter to provide to the credit agencies. Despite being told they would do this, they did not. 

I am normally pretty easygoing, but Macy 's practices are beyond upsetting. I am furious that my credit has been affected when, for the very first time, I need to take an equity loan because of family illnesses. I also am disgusted with their lack of response to consumer inquiries. 

I am hopeful the CFPB will be able to help. Thanks very much.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX -Account # XXXX ( XXXX XXXX XXXX XXXXAccount # XXXX ( XXXX XXXX ) -Account # XXXX XXXX XXXX XXXX XXXX Orignial Creditor : XXXX XXXX -Account # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXAccount # XXXX ( XXXX ) -Account # 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 cannon furnish an account without my written instructions.
Complaint sub-issue: Received bad information about your loan

I've asked Nelnet several times for my Master Promissory Note and they keep sending me everything but that. I've emailed and called with no avail. I just want them to show me my original loan amounts. I have a Joint Spousal Consolidation Loan with my XXXX XXXX ex-husband and I need to see how much I actually owe so that I can figure out a way to separate these loans to finally be free.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I opened a credit card with XXXX XXXX in XXXX and used it intermittently over the years. I hadn't used my XXXX XXXX card for several years and I shopped their bedding and mattress sale on on XX/XX/XXXX, at which time I made a bedding and mattress purchase that totaled {XXXX}. During my interaction with the sales representative, ( XXXX XXXX ), I informed him that I had a card with XXXX XXXX but, had not used it for several years. He accessed my account information online and stated it was open with a limit amount that would allow me to purchase the bedding and mattress set. The representative ( XXXX XXXX ) finalized the sale and set it up for delivery on XX/XX/XXXX. XXXX XXXX delivered and set up the bedding on XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from my Citi credit monitoring service that stated my FICO credit score had dropped by 35 points. I checked to find what had affected my FICO credit score and found that XXXX XXXX had reported that I overcharged/charged over my credit card limits. I contacted XXXX XXXX    Consumer Credit Department XX/XX/XXXX, XXXX XXXX  at XXXX. Spoke with CSR XXXX. Explained my reason for calling and requested an explanation for their credit report that dropped my FICO credit score by 35 points. She stated there was no supervisor for her to consult and she would have one contact me. I called back XX/XX/XXXX, XXXX XXXX, spoke to XXXX/Supervisor, credit specialist XXXX. He stated there was no penalty for going over card limits with XXXX XXXXXXXX. I informed him that their sales rep ( XXXX XXXX ) had closed the sale and made no mention of going over the card limits. He stated their sales reps can't see credit card limits on their systems. He said they didn't send the report that lowered my FICO credit score and there wasn't anything he or XXXX XXXX could do. There haven't been no other businesses that reported on my FICO credit score, other than XXXX XXXX. I seek your assistance in this matter.
Complaint sub-issue: Personal information incorrect

There are names, addresses, and incorrect employer information that needs to be removed from my report as this information should not be on there. In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized information on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
Complaint sub-issue: Debt is not mine

I do not owe this debt and would like for it to come off all  XXXX  credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

Continuant from my initial claim on XX/XX/2021 Equifax received my letter to delete these these fraudulent accounts immediately and block them as of XX/XX/2021 Equifax has not complied to my request and falsely verified these accounts without any physical proof. this is fraudulent and my second time writing them about this now i demand them to both block and delete these accounts immediately. Ive attached the affidavit of truth as well as the certified mail receipt with the evidence that they are indeed are doing fraud and do not have my consent to furnish anything on my consumer reports, no consent is identity theft
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter on XX/XX/2022, to remove these accounts that is 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 accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$4600.00} XXXX XXXXBalance : {$0.00}
Complaint sub-issue: Account status incorrect

I have disputed the late payments XXXX   XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
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. Companies below has violated my rights. 

Company Name : XXXX XXXX XXXX Account Number : XXXX Company Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 an 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

My problem is that's Equifax refuses to remove XXXX XXXX  from my credit report I have made several attempts to get it removed. I have sent in court documents from when I was being sued for the remaining balance of a car that I never agreed to have in my name.. the judge dismissed the case against me without prejudice.. because it doesn't belong to me.. the other two credit agency 's have already removed it!!! 
but Equifax said that XXXX XXXX  said that the information is correct.. that can't be the case since the other two have removed it already.. this is stopping me from buying a house..
Complaint sub-issue: Problem with fees

I was notified by Citi ( Citi Bank ) on XX/XX/2018 that my credit card payment was past due for XX/XX/2018. Both mine and the company 's records show I made a payment on XX/XX/2018. Their caller stated that that payment was not for XXXX, it was for XXXX. Therefore, i owed an additional {$280.00} which included XXXX 's payment, a late fee, and XXXX 's payment just to make the account current again. 

I hung up and called the company direct, given I was notified via telmarketer. I went through 3 individuals and finally ended up with an " account manager '' named " XXXX '' who informed me the same, stating they could not adjust the payment for XXXX because it was made on XX/XX/XXXX and not XX/XX/XXXX. This was due to " Government Regulations. '' They then stated they would " adjust '' my late fees because they were so concerned for me, but only after I made the entire payment, which by the way, included the late fee. This is both deceptive, unethical, and in my view, fraudulent. They then threatened to raise my interest rate arbitrarily and charge more late fees, if the amount was not settled immediately.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in regards to me being a victim of identity theft. I was first given the run around about my documents then was told you call in 7 dats to have this items removed immediately. I contacted Equifax on XX/XX/XXXX to confirm receipt and get issue resolved but the rep told me it would take 30 days. I initially filed the dispute on XX/XX/XXXX and uploaded my docs on XX/XX/XXXX. The rep stated the system open another dispute so now I have to wait until XX/XX/XXXX for the dispute to be resolved. This is ridiculous! I sent in my documents and provided my confirmation # XXXX which was my first and only dispute. Equifax needs to honor my original dispute and not try to push my dispute back another 30 days due to system error. The rep XXXX stayed she sees the documents but can not add them to the initial dispute even though she sees I added the correct confirmation #. This issue needs to be resolved immediately.