Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

On XX/XX/2020 I had a fraudulent inquiry on my Equifax and XXXX XXXX credit Files via XXXX XXXX. I reached out to them ( XXXX XXXX ) immediately and they conducted their investigation and determined that the inquiry was that of identity theft and or fraud. Upon their completed investigation they, XXXX XXXX sent me notice of Inquiry Suppression XXXX / Dated XX/XX/2020 I have since reached out and notified both the Equifax Credit Bureau and XXXX XXXX Credit Bureau attaching the letter from XXXX XXXX together sending US Mail certified return receipt to each of them. To this date XXXX XXXX Credit Bureau removed the Fraudulent Inquiry Immediately per FCRA after five days of receipt. However to this date of filing this dispute with CFPB ( XX/XX/2020 XXXX XXXX  ) I have reached out to Equifax on three separate occasions concerning this theft of identity and they have failed to remove this Inquiry even though being provided this notification from XXXX XXXX. My rights under the FCRA have been violated multiple times by a one Equifax Credit Bureau and as a final attempt to have this inquiry deleted my attorney has recommended/advised me that I file this request first with CFPB before moving forward with a lawsuit.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX XXXX , am a victim of identity theft. There are multiple fraudulent accounts on my credit prole from various companies like XXXX XXXX, XXXX XXXX XXXX XXXX XXXXY and egregious collection accounts from XXXX XXXX and XXXX & XXXX. I demand that all negative/adverse remarks are immediately and permanently deleted.
Complaint sub-issue: Didn't receive notice of right to dispute

I am filing this grievance as I monitor my credit and was alerted to a collection reporting from I.C System , Inc. Account number XXXX, that has dropped my scores significantly. Ive received no phone calls or communication via USPS mail to confirm this debt is mine or valid. Due to this I did not obtain the full statuatory period that would have allowed me to dispute the validity of the debt prior to it updating with the credit bureaus. If I had, the collector would have been advised that this debt is time barred and needs to be removed post haste due to misleading and erroneous collection practices.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( XXXX ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX improperly billed me for a service despite XXXX  's response to the claim stating specifically that the amount they may bill me is XXXX. 

I proved this in my dispute with equifax with a copy of the XXXX summary notice for the service. It shows the same date of service ( XX/XX/XXXX ), patient information, procedure code ( professional charge for a XXXX XXXX ), amount charged ( {$190.00} ), etc. as the XXXX XXXX bill in question. Despite that XXXX  summary notice clearly stating " the amount you may be billed : {$0.00}, '' for that service, the collection agency still believes it to be legitimate and Equifax won't remove it. 

Because it's not fraud, the FTC and police will have nothing to do with the dispute, and yet I need either a police report, a letter from the collection agency showing " paid in full, '' or a letter from the FTC. Because there is no way this could be " paid in full '' when I don't owe it, there is no recourse for me to get this fixed short of spending tons of money on lawyer 's fees to sue XXXX XXXX and the collection agency. 

The other two credit reporting agencies ( XXXX  and XXXX  ) did not have that collection agency information on my credit report, as their credit scores for me are above 750 and Equifax 's is below 660. Because Equifax feels the need to report medical debt, they should have a protocol for disputing medical debt, and as shown above, they don't. 

Equifax has all the required documents in my dispute file under dispute # : XXXX dated XX/XX/XXXX.
Complaint sub-issue: Company closed your account

I got the credit card and paid more than the bill every month on auto pay. I have their app and they said they sent a letter and I did not respond but I didn't receive a letter. I pay every month and the account was closed.
Complaint sub-issue: Problem with fees

My monthly payment for my XXXX Store card was due yesterday on Sunday, XX/XX/2018, and so I went to my local XXXX 's store and made a payment in-store using my debit ( ATM ) card. These payments are supposed to process quickly, and the receipt provided includes the following statement : " Payments made today will be credited as of today. '' And indeed, my bank account is showing that the {$50.00} payment was withdrawn and posted from my bank account the same day - XX/XX/18. However, today, more than 24 hours after the payment, my online XXXX 's account does not show any payment but instead, under " recent activity '' its shows a late fee that was charged on XX/XX/18, indicating non-payment. There is no record of my payment made yesterday. Where did my money go? What this suggests is that XXXX had already pre-coded my account for a late fee before the due date, and so there was no way to avoid a late fee even when I paid on time. This is not right. I contacted XXXX Card customer service by phone and the agent told me that she " couldn't answer questions '' about this issue. I asked to speak with her supervisor, and 40 minutes later, a supervisor came online who told me that the message printed on the receipt was not in fact true - that payments day 1-2 days to post and during this time, they can charge late fees.This doesn't line with up with their payment policies however.
Complaint sub-issue: Investigation took too long

I disputed an account from XXXX on my credit report over 4 months ago and you have failed to resolve the trade line investigation, based on these facts the trade line must be removed by law
Complaint sub-issue: Reporting company used your report improperly

In Agreement the Fair Credit Reporting Act XXXX with the Accounts : XXXX. XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights.

By the law under 15 U.S.C 1681 section 602 : states I have a right to privacy & 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit reporting agencies made a settlement with 41 attorney generals that they would not report judgments. I had a judgment in the state of Texas and have paid on it as agreed. The Tennessee Dept. of Human services got the enforcement and they are reporting on the judgment. Moreover, pursuant the Tennessee Fair Credit Reporting Act 36-5-106 - Reports pursuant to Fair Credit Reporting Act. ( c ) Reports of delinquent support and the amount of the arrears shall be made only after the noncustodial parent has been notified of the intended action at the last record address required by 36-5-101 ( c ) ( 2 ) ( B ) ( i ), 36-5-805, 36-2-311, and 37-1-151 ( b ) ( 4 ) ( C ) - ( F ) or such other address as may be known to the department, and the noncustodial parent is afforded an opportunity for an administrative hearing before the department to contest the accuracy of such information. The noncustodial parent shall file a written request for appeal of the intended actions as provided by part 10 of this chapter.

The Dept. of Human Services has not afforded me an opportunity or provided a notice of any adverse action. This should be deleted immediately from my credit report. 

XXXX XXXX has no balance and its company policy to remove the item. Original Creditor was XXXX XXXX. If we are credit reporting your account, it will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request the credit reporting agencies delete the XXXX tradeline related to your account from your credit bureau report. This debt has been paid and has not been deleted. 

XXXX XXXX has no balance and its the company policy to remove the item if balance is settled in full with 2 years remaining. Original Creditor was XXXX XXXX. This company has a policy to delete all credit entries that have been paid that are more than 5 years old. This collections is more than 5 years old. 

XXXX can not be contacted to verify such an account. Their phone is not in service and is reporting information that does not belong to me. This item should be deleted immediately. 

XXXX XXXX has not reported in years and this entry was incorrect due to the fact that the debt was paid to the original creditor and should have never gone to collections and should be deleted immediately. 

XXXX keeps reporting a bankruptcy from the XXXX XXXX of Kentucky and there is no bankruptcy there in my individual name. This info can not be verified by XXXX and is violating my constitutional rights. This should be deleted immediately. 

XXXX XXXX keeps reporting a debt that was paid in 2014 when I moved from Kentucky. XXXX XXXX XXXX kept my deposit and actually owes me {$100.00}. This should be deleted from my credit report immediately. 

XXXX XXXX is reporting a civil judgment from the XXXX County, Tennessee Court. I have sent in the XXXX balance from the judgment and this should never have been reported on my credit. This should be deleted immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

All three bureaus. I have been trying to fight against fraud that happened at my school ( XXXX colleges online division ) since 2010. All of my expenses were covered under grants and student loans. I was told I would not have to pay until after graduation. I was lied to and a victim of financial fraud when just before graduation the school slapped me with {$10000.00} bill they said I had to pay before I could graduate. I couldnt afford it, obviously, so the school removed my credits ( I have all ready sent proof that I technically graduated to the DOE multiple times ) and stated I didnt finish all of my credits. I was on track to graduate with a very high GPA, never missed a class, never missed an assignment. They XXXX me and its caused a massive financial hardship since. Its destroyed my credit, prevented me from furthering my education, getting decent jobs, a cant get a mortgage etc. I have asked the DOE to prove I graduated and received my diploma ( Ive proven I havent ) or to forgive my loans and remove all negatives from my credit report. This is the LEAST they could do for ruining my life. They stated I missed some sort of deadline which is false. I reached out everywhere I could think of after it happened but got blown off. Not much later my school closed because XXXX went bankrupt ( that started near the end of my classes ) and the deceit was finally exposed. I even forwarded the correspondence to the DOE with the emails I received regarding this. All I ask is for the DOE and credit reporting agencies PROVE I am wrong. If they cant, they need to wipe my records clean, wipe my loan because I owe a large amount of money for a product I didnt receive ( no fault of my own ) or we will end up in a civil battle for WAY more than the value of my loans.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom this may concern, I was reviewing my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly update and removed and delete the following  inquiries off my 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   XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX. I need these removed I have not applied for any of the above
Complaint sub-issue: Investigation took more than 30 days

Equifax security breach took far too long to be made public, my record is indicated as compromised.
Complaint sub-issue: Information belongs to someone else

I have tried to resolve the problems with the company havent got no response
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased an appliance from bestbuy in XXXX that was defected and in XXXX after weeks of being tossed around finally they agreed to replace it. the same unit had the same problem after handful of uses .Apparently, this model is defected. However, Bestbuy does not want to deal with it. XXXX washer should not breakdown after 4 washes. I refuse to repair XXXX unit that is brand new. That is unacceptable. However, Bestbuy is brushing me off I called Citibank to dispute the charge for the unit since I got this credit card from bestbuy when I was purchasing the unit. On the phone 3 days ago they informed me that since the charge is few months old I have to put it in writing. SO I did. 
They called me 3 days later from President 's office  that they can not help me and I have to go back to bestbuy. This is absolutely unacceptable since they have to protect the consumer. The woman named XXXX XXXX who kept telling me that she is from President 's  office and there is no one else to go to and she will not talk to me about this again just told me that " it is what it is ''. 
There have been couple of other occassions in past few yrs that a purchase was 3-4 months old and any other credit card company such as XXXX XXXX XXXX or XXXX XXXX reviewed the case and determined that the defected unit should have been addressed by the store and stepped in to protect the consumer. However, since Bestbuy and Citibank work together to sell products they refuse to step in. I asked her for their management and review of policies and the woman said she will send me in 2 weeks and there is no one above her for me to talk to. I have seen numerous reviews by other consumers complaining of the same issue with this credit card company. Unbelievable! 

This is clearly a defected unit and I am left with {$1000.00} charge and no help.
Complaint sub-issue: Debt was paid

Once again I'm sending a complaint in for XXXX  XXXX XXXX about reporting on my consumer credit report without my consent. On XX/XX/2021 I reported improper use on my credit report by XXXX  XXXX XXXX to the CFPB, they responded back saying it's a unauthorized third party on XX/XX/2021. I am the consumer XXXX XXXX sending these unlawful practice information being use by XXXX  XXXX XXXX. Please remove all Great Lakes account from consumer credit report information. According to FDPCA, XXXX  XXXX XXXX violated 15 U.S.C 1692 ( c ).
Complaint sub-issue: Account opened as a result of fraud

I went to XXXX XXXX XXXX XXXX XXXX XXXX to open an account and was denied because the bank representative stated I had a charge off checking account in the amount of {$9600.00} with Citi bank from XXXX to XXXX. I am a victim of identity theft. I never open a bank account with Citi bank in XXXX to XXXX. I do not have Citi branch in my city of Philadelphia. I contacted their customer service department over 15 times and I have not received any help or nor have my problem been resolved. I dont understand why would they let someone open an account in my name. I never received any information from citi bank stating they had an account in my name.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

With the security breach of Equifax, i will not sign up for their year protection due to the clause in the fine print. I want answers from Equifax instead of 'we are sorry '.
Complaint sub-issue: Company closed your account

I am filing this complaint agai nst US Bank Corporation. I h ad an account with this bank. I was never contacted that there was an issue with the account. The bank reported me to chexsytems before contacting me and allowing me to resolve the problem.
Complaint sub-issue: Account information incorrect

I have sent complaints to both credit bureaus as I was never late and the payment history is inaccurate from one bureau to another
Complaint sub-issue: Attempted to collect wrong amount

trying to collet amt not owe, the DR did not response to health ins inquiry, there for i am not paying it
Complaint sub-issue: Account status incorrect

I attempted to reach out to this private owned student loan company to fix my issue regarding my payment history. I advised that it was impacting my credit score tremendously and my account is currently current and it is in deferment status because I am currently in school. The company refused to update my account to remove the delinquent payment status history. I advised them during those times I was working minimum hours or sometimes no hours at all. Once a time I was out of work and they work not willing to work with me only to receive some type of payment and pushing my account back further. The company doesnt try to assist with their customers or consider their situation and whats going on. We were even involved in a pandemic and I was one of the people who lost their job and they kept calling about a payment after I advised I was out of a job and trying to figure out my next plans. At this point I felt like I was being harassed, being constantly emailed, phone calls, voicemails, and even letters in the mail. The company does not care about their clients. I tried to advise them i was attempting to buy a house for me and my XXXX kids. Im a single mom and they delinquent status from them is heavily impacting my credit score. The dates are listed as followed : XXXX, XXXX, XXXX and XXXX of XXXX and XXXX, XXXX, and XXXX of XXXX. I have contacted the company multiple times. I even have emailed the CEO of the company. Nothing has taken place.
Complaint sub-issue: Threatened or suggested your credit would be damaged

HIPAA Violation Alleged account # XXXX National Recovery Agency has not provided me a HIPAA release that releases my medical information to them. The credit bureaus have allowed them to violate my HIPAA rights by continuing to report this account without following the HIPAA guidelines. I have requested a copy of their HIPAA compliant BUSINESS ASSOCIATES AGREEMENT as well as a description of how they recieved my ePHI to show compliance with the HIPAA Security Rule, specifically the HITECH ACT OF 2009. 
( copy of affidavit attached )
Complaint sub-issue: You told them to stop contacting you, but they keep trying

U S I SOLUTIONS. They also say they are representing a XXXX XXXX debt.That I owe the 3 XXXX XXXX debts. I looked up the website and it  says XXXX as well. I recently filed a complaint due to continual calls. i got a letter through this website saying they would stop. They are continuing. I got a call today saying to call right away. I called and got no answer twice.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern, the credit reporting companies : Equifax, and XXXX have not yet removed innaccuracies off my credit report that are causing me major harm as a consumer. The credit reporting companies are slowly taking their time to delete these inaccurate and incomplete accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under Federal Law, I understand that anything inaccurate should be removed promptly. 
I feel like I am being taken advantage of. I have received denial letters from Major financial institutions due to these continuos errors reporting to my credit report. I am worried I will not be well prepared as a consumer for the next Recession.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Debt was paid

I.C System has been reporting debt that has never been owed and was paid directly to XXXX. In addition i have tried numerous of times to have issue resolved with them however they refuse to do anything about it. They never validate debt correctly, they provide wrong information to Credit Bureaus which in return damage my credit and reputation. Most recently for the month of XXXX they have affected my credit drastically by XXXX points by double reporting- this is not the first time they have done this back in XX/XX/XXXX they attempted to do the same however they deleted one of the profiles and continued to attempt to collect for the same items that have already been paid in full. This month of November they decided to double report negative inaccurate information once again. They reported account twice in one month with Zero Change one action was done on 1XX/XX/XXXX second action was done on XX/XX/XXXX which is in violation of the FTC Reporting Act i am emotionally drained and devastated with dealing with this company and all of their illegal tactics. It seems that they are not held accountable for any of their actions.

I have already asked them to seize communication with me in addition i am ready to file a report with local police department as well as i have never owed this debt to XXXX or IC Systems.