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

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
USDOE/XXXX  XXXX Balance : {$0.00} DP OF EDUC XXXX Balance : {$8800.00} DP OF EDUC XXXX Balance : {$9300.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$1100.00} DP OF EDUC XXXX Balance : {$5900.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$8500.00} DP OF EDUC XXXX Balance : {$4900.00} DP OF EDUC XXXX Balance : {$7600.00} DP OF XXXX XXXX Balance : {$2300.00} DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$3800.00} DP OF EDUC XXXX Balance : {$8600.00}
Complaint sub-issue: Debt is not yours

This complaint is in reference to DISCOVER BANK Account Number XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney. 

The letter was sent to : XXXX XXXX XXXX DE XXXX Listed address on the record : XXXX XXXX XXXX DE XXXX
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable and needs to be removed ASAP!
Complaint sub-issue: Their investigation did not fix an error on your report

I have items in my report that I have disputed and it has not been removed I have a bankruptcy that is reporting inaccurate dates and has been remove from 2 bureaus but not the other this is feet frustrating and I need help dont understand why items that can not be explained are on my report
Complaint sub-issue: Company closed your account

My account was suddenly closed on XX/XX/23 because they could not verify my account information for some reason.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Information belongs to someone else

15 US 1681c a consumer reporting agency shall block the reporting of any information in the file of a consumer that consumer Identifies as information resulted from an alleged Identity theft, nor later than four business days after the date of receipt. These accounts should not be furnished on consumer report as they are in violation. Under 15 US code 1681b Permissible purposes of consumer reports. any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency consent to furnish anything on my reports. There for this is identity theft. I ask that these items be deleted immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Can't close your account

The owner of the account was my son. XXXX XXXX XXXX. He died XX/XX/2022. 
I am his father. My name is XXXX XXXX XXXX. I am in charge of his small estate. I have sent the required documents to the PNC bank to close the account and forward any remaining funds to me. I sent an original Certificate of death, The Colorado affidavit noterized naming me, and a cover letter to them in XXXX of this year. They are not doing anything but running me around. 
I mailed the items, per their order to PNC Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, Mail stop XXXX. 
I have called them weekly and now daily since XXXX. 
They are not doing anything, and I need this to get over. 
My number is XXXX. The bank will not let me talk to the department. I have to go through customer support and they are trying but nothing is happening. 
XXXX 's account number is XXXX XXXX XXXX. 
I am at wits end and need help. 
Thanks, XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I tried to dispute with all XXXX Credit Bureaus ( XXXX, XXXX and Equifax ) to remove these unauthorized inquiries and was unsuccessful. 

XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 2022
Complaint sub-issue: Received bad information about your loan

First of all, I did n't attend the school After about 6+ weeks. I ( formally ) a withdrew to take care of my Mother whom had early onset XXXX. I contacted the school after I I realized the U.S.Departmet of Education that the school had continued to have me listed as an active student. I applied and received a student loan discharge from " nelnet '' ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now comes XXXX XXXX, I sent them ALL the necessary income statements, signed and notarized. Not satisfactory to them. I worked two ( 2 ) part-time jobs until my health began to decline again. I can do some work ( I have a ticket to work ). I 'm quite sure the USDE clearly has ways of verifying information, even without permission. I asked them to allot me more time to receive my W-2 's, to no avail. I need your help to resolve this matter, before they start tampering with my Social security, taxes or whatever means they need to snatch money I 'm intitled to. Now I able to work only ( 1 ) one day a week at XXXX XXXX cleaning the church. XXXX is scheduled for the first 2-3 months of XXXX to remove 2 ( two ) XXXX XXXX and and have them replaced with XXXX XXXX I 'm not THAT mobile. HELP!!!
Complaint sub-issue: Debt was result of identity theft

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on Unknoiwn ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

After noticing a late payment from late XXXX on my report that I did not agree with, I began a dispute with Equifax. After a few days the dispute was complete. The result was puzzling, adding fraudulent and untrue information including many late payments in the year of XXXX including 30 and 60 day lates while the car was paid off. I immediately began yet another dispute and contacted XXXX XXXX XXXX to determine why they would do something so despicable and intentionally demeaning. The representative I was connected with spent hours reviewing files, documents, forwarded information, and reached out to the highest of his superiors because of his complete loss of understanding in the situation and why they reported untrue information. I began a conference call with XXXX and Equifax connected, in which did nothing. They asked the Rep no questions, for no files, or insight. They simply dismissed the matter, stating it would get done later. The most angering and concerning thing is the Rep I spoke with the week prior was very aggressive, rude, and dismissive, which created tension the entire call. Prompting me to believe he had something to do with the situation. The incorrect information Equifax decided to report which is different from XXXX, XXXX, and the co-buyer on the account dropped my score significantly and again with no accuracy or merit. The was a complete fail on there part and 100 % defamation of my character and credit worthiness. They also removed all currents and replaced with unknowns, which hurts my on time percentage. I have never seen a situation so baffling from a company that is suppose to ensure updated and correct information. I will most likely be receiving legal assistance in the matter.
Complaint sub-issue: Was not notified of investigation status or results

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  XXXX ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2021 my credit score was XXXX Excellent. I had three derogatory items on the account at that time that I noticed were not mine. I filled a dispute on them. Two days later with Zero changes to my credit report my score dropped XXXX points to XXXX. 

I was told by Equifax that while the items were in dispute they are put on hold and that is calculated in the score. Which if that is the case at the very least my score stays the same or increased until the investigation if finished as they already reflected i a negative way on my current score of XXXX. 

I repeat nothing other than diputing three items has changed on my report since XX/XX/2021 but yet they took me from XXXX to XXXX overnight. 

It appears Equifax is penalizing me for filling a dispute on my report. 

There is no logical or ethical reason for my score to change as all my credit history is Exceptional with Zero balances. Hence the XXXX score prior to today. 

No one at Equifax can explain to me what has changed and or why they are penalizing my account. They state the three items are on hold and under investigation! 

XXXX XXXX says it from the on CLOSED Collection I disputed. But Equifax says is under dispute and nothing has changed on it. For one its Closed so at the very least it stays the same and at best they see it is not mine and remove it. Nothing can change as it is closed. It either stays on my report and my score stays the same XXXX or it comes off and my score goes up. One keeps my score the same the other increases. Not drop it XXXX points overnight.
Complaint sub-issue: Information belongs to someone else

More than a month has already passed by and the Equifax Credit Bureau have yet to respod to my letters. The last letter I sent to the Equifax was dated XX/XX/XXXX with complete attachments of my personal Information as well as the ID THEFT REPORT I received from the FTC. Since then, I never received anything in return from Equifax. On my letter, I requested that the Equifax provide me proofs of validation or documents bearing my Signature to prove the their claims that the disputed items belong to me and yet they have sent me nothing! I have read that the Credit Bureaus are requried to remove any accounts and informatio resulting from the theft of a consumer 's Identity under the Provisions of the FCRA section 605b. I have read enough to understand my rights and it is clear the Equifax 's wiillful non-compliance of the FCRA statute is a violation of my rights. If the Credit Bureaus can not prove the items ' authenticity, I need the Credit Bureaus to remove the items from my Credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I have no idea who I C Systems, Inc is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. I C Systems, Inc is indicating that an account with the account number XXXX  was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized I C Systems, Inc as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ I C Systems, Inc } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to I C Systems, Inc, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Complaint sub-issue: Reporting company used your report improperly

This is XXXX XXXX and i am trying to figure out how this company Lexis Nexis is able to violate my right to privacy by sharing private information to companies like XXXX, XXXX  and XXXX. I contacted the courts and they stated that they don't report my information to any third parties. So how are they able to report it? I DID NOT GIVE THEM PERMISSION TO REPORT THIS. They are in violation of united states code 15 sec 1681 ( a ) ( 4 ) and they are causing me stress and hurting my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do n't recognize this inquiry
Complaint sub-issue: Debt is not yours

On XX/XX/2018, I received a letter from AlliedInterstate LLC dated XX/XX/2018 regarding a debt from original creditor XXXX XXXX XXXX, creditor : XXXX, amount owed : {$46000.00}, Allied Interstate Acct # XXXX. 

I dispute the validity of this debt as it is addressed to the wrong person. Pursuant to my rights under the federal debt collection laws, I am requesting that you cease and desist sending letters to our address. You are contacting the incorrect person. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New Jersey Attorney General 's office. Civil and criminal claims will be pursued.
Complaint sub-issue: Account status incorrect

Ally Financial Auto reported a CLOSED account to the credit bureaus when in reality, the account was PAID IN FULL. I contacted Ally and spoke to several people in several departments but none were willing to correct their error. Their error lowered my credit score by 15 points.
Complaint sub-issue: Problem during payment process

Because i was in the financial position to do so, I paid my credit card balance in full this month -- {$66000.00} -- to avoid future interest charges on the unpaid balance. I paid this online through my checking account as has been customary for years. The payment was initiated on XX/XX/2021, and the amount was extracted from my checking account electronically on XX/XX/XXXX, XXXX i received the following message from the credit card company : " Hi, XXXX XXXX We received your {$66000.00} payment and credited your Citi / AAdvantage Gold World Elite MasterCard account. Please keep this confirmation number for your records : XXXX. '' I called the credit card company this morning, XX/XX/2021, to report that two vendors had contacted me today and reported that their attempt to process payments I made to them via my credit card today were not honored. I was told that, even though the company acknowledged my payment, i could not use my card until after XX/XX/2021. 

I told the representative that this was wholly unacceptable, that I had an excellent payment record, was a 20-plus year customer, and needed to speak to someone who could help me since she obviously couldn't. She told me there was no one who could help me and that I would have to await this random hold on my account. I even asked her to at least give me {$10000.00} credit on my account which carries a {$67000.00} limit. She refused to do so. 

I find this practice absolutely abysmal, and there is nothing in any account agreement I have ever read that allows them to do this to me. 

Again, I am a good customer, I have an excellent credit rating and I refuse to tolerate this arbitrary and capricious practice.
Complaint sub-issue: Account information incorrect

I tried to obtain a refinance for my mortgage. I was denied because of false information on my credit report that was reported by XXXX XXXX XXXX XXXX. 
I attempted to dispute the fraudulent claims but they said that their system went down right before they submitted the report. I then tried to submit the claim online but the system said that my information did not match any of their files. I don't know how I could all of a sudden not have a credit report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Late last year three unknown charges appeared on my Discover Card Account. These were not done by me. I contacted Discover and reported the fraud. I spoke with a rep who cancelled my card and issued a new one. During the course of this investigation Discover had the same rep call me on numerous occasion and in an accusatory tone asked me about these transactions. Apparently, merchandise was shipped to an old address of mine. I explained I had no knowledge of these transactions of who did them and yet they claim I am responsible and placed all the fraud charges plus the interest back on my account. This caused by credit score to drop 49 points. Before I obtain a lawyer and sue them I was hoping you could investigate this and help/ They are violating FCRA. I am not responsible for charges that were not placed by me. Someone got my old card number and did this. They have been told this. Under law I can not be held responsible.
Complaint sub-issue: Problem with fees

PLEASE NOTE : Below is admittedly being pasted across various public forums. I am exhausted after battling with Citi for hours on the phone. I hope this is presented in a meaningful fashion. I just don't have it in me to rewrite it. 

I have a 100 % perfect credit history. Zero missed/late payments in my well-over-a-decade-old history. I've been using Citi for my credit cards for probably a decade. Payments are on auto, set up on the Citi website ( not thru my banks bill pay system ). 

I just looked back at my YTD transactions and noticed that Citi has been charging me " Return Check Fees '' bi-weekly ( the frequency of my autopay ), for most months, and occasionally interest! For the months that had both fees and interest, the two fees ( one per autodraft ) plus interest is {$140.00}. 

What's interesting is that they are getting their money every time... They say their system makes a handful attempts to withdraw, with an interval of a few hours or a day. 

If an attempt fails, the user is charged a fee equivalent to having not made the payment at all. 

The bottom line is : they get their money, and the payments are never late. They cant justify the fees with a lack of funds, as one can deduce that the funds are available, because I have no missed or late payments on record. 

* * * Is it just me or is this blatantly predatory? * * * I just got off the phone with a Citi supervisor and she stated clearly multiple times that my payments were never late. The technicality they've got me on is that I authorized them to withdraw on a date X, and often times the money was only available in the account 2 or 3 days later. She very clearly stated that the bi-weekly auto-draws occur well before any due dates. She very clearly stated that these are not late fees. They are penalties for making their servers ask my bank for money again a day latera fully automated process that costs Citi fractions of a cent. 

Ill be the first to admit that I wasnt watching funding source checking account like a hawk, so I bet Citi did have to ask my bank more than once. Still Citi is auto-drawing well before any due dates. What is the trouble really? If a payment isn't late, any kind of penalty should be ILLEGAL.
Complaint sub-issue: Collected or attempted to collect exempt funds

True North has collected on a medical debt that was closed out with a XXXX balance on XX/XX/XXXX, Proof enclosed in documentation. This company has been harassing me since XXXX and I filed a complaint through the attorney generals office back in XXXX where they have tried to collect on my husband and my acct through a levy. After attorney generals office sent them a letter my credit was updated and the removal from the judgement was off my husband and my credit as well as I received a XXXX  out balance letter. The original creditor " XXXX XXXX of XXXX XXXX '' did not bill the correct insurance and I also was covered by state insurance. This error was strictly on there part and due to time they were unable to submit claim and billed me even though I was on a state covered medical assistance program.
Complaint sub-issue: No notice of investigation status/result

They have had my accounts in dispute for three months with no date due back to me
Complaint sub-issue: Information belongs to someone else

I am a victim identity theft and I found some unauthorized inquiries reporting on my credit report and I requested that the bureau 's remove them from my credit report on XX/XX/2021 and they failed to remove all of the unauthorized inquiries from my credit report. 

I have requested that they remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and they are still reporting on my credit report. 

Please see the attached identity theft affidavit.