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

I filed a dispute with Equifax on XX/XX/XXXX by phone as the website was down temporarily. Equifax is reporting an account that is not legitimate and is the only agency reporting that account. Confirmation of the dispute filing was received. The results of the investigation states that the item had been deleted from the credit report on XX/XX/XXXX. However, the dispute remained open and the item still showed on my credit report. I contacted Equifax again on XX/XX/XXXX by phone and was told to dispute the item again. I declined as the dispute and resolution had been obtained, but the action noted had not been taken. On XX/XX/XXXX, the dispute showed a " completed '' status on their website with the same resolution of the item was removed. Again, the item still showed on my credit report and again, I contacted Equifax by phone and was told it would take " a few days to be removed ''. On XX/XX/XXXX, the item still showed on my credit report and upon contacting Equifax by phone ( as the website shows temporarily down still when attempting to submit online ), I was told it will be another 30 days before the item is removed. This is not FCRA compliant.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax failed to provide me with actual documented proof that the accounts listed on my credit report are in deed mines. I first requested this via certified letter that was received by them on XX/XX/2018 and again on XX/XX/2018. It's been well past 30 days and I've just checked my report again tonight and there's been no changes. I received an update from them dated XX/XX/2018 stating still several inaccuracies and still no type of proof that the accounts belong to me.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been trying to contact XXXX XXXX since XX/XX/XXXX once I seen their name on my XXXX credit report. Everytime I called them, there is no one available no matter what time of day. I have never received anything from XXXX XXXX regarding this " debt ''. I have disputed with XXXX 4 times, all of which came back claiming that the account was verified as accurate. I contacted the original creditor, XXXX XXXX XXXX, attempting to find out more about this " debt ''. Though they have my information, they could not initially verify that the debt was legitimate. When I asked the person I was speaking to about XXXX XXXX, I was told that they ( the original creditor ) had they're own disputes with XXXX and that XXXX XXXX doesn't report debts to credit bureaus. The guy I spoke to even suggested that XXXX XXXX wasn't a legitimate company.
Complaint sub-issue: Trouble with how payments are being handled

I was notified in late XXXX for the first time that my loan servicing was transferred from XXXX to XXXX XXXX back in XXXX. I did not ask for my loan to be transferred, nor was I notified in advance of the transfer, nor did I approve the transfer. 

I keep receiving notifications from XXXX XXXX that I missed student loan payments. In fact, I have not missed a single payment at any point in my student loan. I made payments on XX/XX/XXXX and XX/XX/XXXX to XXXX and they were paid as always prior to the actual due date, and both payments were made before I was notified of the loan servicing transfer. 

I called XXXX upon receipt of the missed payment notice in late XXXX and was told that XXXX would be transferring my payments to XXXX so to just wait for it to process. I received a letter in XXXX from XXXX dated back to XX/XX/XXXX that my payments had been transferred to the new servicer XXXX. 

I continue to receive harassing letters from XXXX saying they are going to report my missed payments on my credit report. 

XXXX and XXXX need to coordinate between each other to transfer payments. 

I mailed proof of payment to XXXX and XXXX on XX/XX/XXXX, for payments made XX/XX/XXXX and XX/XX/XXXX to XXXX, and XX/XX/XXXX to XXXX. 

XXXX needs to ensure that there are no negative marks on my credit, as this is not my error. XXXX needs to cease in sending me harassing and threatening communications.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$3200.00}. 
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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022 : I sent completed and returned the requested form to XXXX about my auto loan not reporting on any of my credit reports. I also sent notifications to Equifax, XXXX and XXXX showing that there is an error in reporting on my credit report and provided them with proof from XXXX that I had an auto loan through XXXX and it was paid in full but my credit report does not reflect that that account ever existed. This has caused me undue financial hardship in obtaining a vehicle loan because of this lack of accountability for all XXXX credit bureaus and XXXX who claims that it is the responsibility of the credit bureaus to report correct information. XXXX provided me with my loan number and account statement so they have record of the auto loan and it did appear on my credit for a short time, but now it is gone and has negatively impacted my credit score and caused me to be charged unaffordable interests rates on a new auto loan. None of the credit bureaus replied within the XXXXXXXX XXXX requirement with an answer or solution to my problem, and XXXX claims it is out of their hands.
Complaint sub-issue: Information belongs to someone else

I have 9 accounts that are not mine I have disputed these accounts with the bureaus and I have not heard anything back. Since XX/XX/2020 I have sent out multiple disputes and still nothing. I need to have these taken care of since this is identity theft and I don't need some random accounts on my credit. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The three major credit bureaus are reporting an erroneously on my account and it must be fixed immediately. I have been disputing this account for some time now and have recently received a deletion letter for the account. I sent the deletion letter to all 3 credit bureaus but every time I take a look at my credit it continues to report. The late on XXXX XXXX XXXX is inaccurate. I have attached a letter stating so. This is keeping me from being able to buy a home and needs to be resolved ASAP.
Complaint sub-issue: Reporting company used your report improperly

I filled out application for apartment. I was denied lease due to alert on from consumer report. The alert stated : Inquiry information matched potential fraud ID data- credit file is unavailable. Please have applicant contact XXXX at XXXX. I spoke to XXXX representative and was told that there are 18 inquiries on my account. I need to dispute the inquiries that are showing.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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 XXXXXXXX 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: Debt was result of identity theft

There is collection account in my name for a medical bill that is not mine. It's through XXXX XXXX recovery but serviced by Plus Four. We had an initial police report done and " XXXX '' at Plus Four stated it wasn't a police report. Extremely belligerent and rude. I called XXXX XXXX Police Department and Officer XXXX clarified that it was a police report, however, we had him do another as another Fraudulent bill has appeared.We sent that report and its still according to XXXX being further investigated by XXXX XXXX XXXX and is not being deleted from the credit reports. He stated they were attempting to get more identity information like a drivers license and signature.Well, it clearly states in the police report that my wallet was missing and later found by someone. It was never reported in Wisconsin because nothing was charged or taken from the wallet. Signatures won't be mine but the Drivers license could be because it was in my wallet. Plus four has been horrible. Federal law states we can record the call regardless of state law as Federal trumps state. XXXX has been horrible to my wife regarding this situation and this needs to be addressed. I have submitted all evidence and will not be threatened that they will re open the XXXX XXXX account. XXXX XXXX will not take our calls!
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

I went to XXXX XXXX College in XXXX XXXX Ohio in 1994. I was told by the school my grants covered my school. After i graduated I started receiving bills for XXXX. I have fought this tooth and nail, and because I was young back then i gave up on the fight because it was stressful fighting these collection agencies. After being refused credit for years i decided to call the XXXX XXXX XXXX XXXX company and ask for a copy of promissory notes totaling the XXXX, and what i received in the mail is a blacked out piece of paper that was ineligible to read, that said " sorry best copy we have '' It stated a loan for what looks like {$3500.00}, and someone had written my social security number on a piece of paper and taped it to the top of the copy. I immediately contacted them and said this is not sufficient and I do not owe XXXX and i want it removed from my credit report. They then sold the collection numerous times to so many collection agencies that now it is duplicated on my credit report and says i now owe XXXX. This is an injustice of the reporting bureaus for not actually verifying or correcting the duplicates on my report, let alone saying I owe a loan i do not owe. 
I have recently contacted all 3 credit bureaus via certified letters for each student loan collection account and duplicated collections. Each one said they verified I owe it and i know they did not verify it. I asked in the certified letter for signed documentation of the loans or please remove it from my credit report. They did not send me any signed documents and only updated each account saying it has been verified. Also another issue is, each collection agency has posted that i have been making payments on the account every few years in a blatant attempt to keep this on my report another 7 years. Im absolutely ready to file a lawsuit against each collection agency and the credit bureaus. They have ruined my credit for 25 years. I need help, this has been impossible to deal with due to selling the collection to so many agencies and none of them will remove it. Ive called them, only to be yelled at and told I need to make a payment. By the way each time i call a collection agency, they hurry up and sell it to someone else. This should be against the law, and probably is.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted this company several times along with Equifax to have this account removed from my credit report. They ask me to contact Equifax to have the notations removed which I did. I have attached the letters provided to me that assured me that this would be removed from my credit report. It is not my responsibility to correct this issue but in still have been given the run around by both XXXX XXXX XXXX and Equifax. It has been over a year going into two years and this is still on my credit report. This should not be a dispute at this point it should be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

The account was paid in full and not settled for less than the amount owed. I was advised that the account would be removed from my credit report once the payment was posted. The account is still reporting as a charge off.
Complaint sub-issue: Debt is not yours

I checked my credit report becaue my fico score had dropped drastically and I was confused as to why. Upon checking my credit report it showed an address I had not lived at and a company I did not work for. I called the credit bureau and filed a dispute. They informed me that I would have to contact the collection agency ( I C System, XXXX ). I did this and they said it was an outstanding bill for XXXX XXXX for {$380.00} and how would I like to pay for it. I told them I had not lived at the XXXX XXXX address and that it was not my bill. They then told me I could contact XXXX to see what they would do but until then I owed the bill.I contacted the XXXX XXXX Department and submitted all the information 2X but they have not called me back after I asked to speak to a supervisor. I gave them the last 4 digits of my social security number but I refused to give someone in the XXXX XXXX my full number. I was assigned a ticket # and I was told I should hear from them within 2 days and that was the middle of last week. I have since made a police report. I have lived at my current address for the last 48 years and in fact had XXXX during the time the debt occurred at my present address. I supplied them with utility bills for the time represented but so far it hasnt been removed.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX services has been attempting to collect 3 accounts which were previously disputed and removed from XXXX XXXX and original creditors. These accounts were opened fraudulently. I have requested original application showing my signatures. They have failed to provide documentation. They only provide an old statement which does not validate debt. They have also changed date from original creditors last payment date as these trade lines have gone past reporting statue.
Complaint sub-issue: Company closed your account

I contacted First Progressive Bank and notified them that I lost my job and am experience financial hardship due to Covid-19. I requested that they not report my account as late until I could resume to make payments. They closed my account and kept reporting my account as late Due to this my credit report has suffered irreparable harm
Complaint sub-issue: Problem with customer service

XXXX XXXX, XXXX I called to have late fee removed because I had not been late before. Unfortunately I was told no because my account is closed. 
I asked to speak with someone else who also told me the same. I asked to have those terms sent to me so I could read them for myself. XXXX refused stating I need to verify my address. Not realizing she never verified who she was speaking to when we were connecting.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX {$3000.00} XXXX XXXX   XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Last year I paid my debts. I started inXX/XX/XXXX. The first 2 were XXXX XXXX and XXXX. Since that date both were paid in full. XXXX XXXX   account number is XXXX. It was sold to XXXX XXXX XXXX. Their phone number is XXXX. It should say paid in full. It could be moved to the collections file as paid in full. I will include statements from all the accounts that need to be corrected. The next account is XXXX, account number is XXXX. This account was sold to XXXX XXXX XXXX. Their number is XXXX. It was paid in full also. On my credit report there are 2 accounts that are both the same. That is the XXXX and portfolio. 
The XXXX account number is XXXX it was paid in full on XX/XX/XXXX. I have also included a statement from XXXX stating that the account has been paid in full. 
The last account is XXXX XXXX XXXX account number is XXXX. It was paid in full on XX/XX/XXXX. I am including a copy of the paper that XXXX  XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

i had contacted many times XXXX XXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 - XX/XX/2018i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditorto remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry -XXXX Inquiry from XX/XX/2018 -XXXX Inquiry from XX/XX/2018
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft XXXX Opened XX/XX/2019 + {$130.00} Original creditor : XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. The credit bureaus have not been processing my disputes and it's been several months.
Complaint sub-issue: Was not notified of investigation status or results

I have been sending dispute letters to Equifax for the last six months and I haven't received any response to my challenges. I have been consistently sending disputes about some items on my credit report and there just not taking the time to investigate anything at all. From XX/XX/2019 until now XX/XX/2019, I have yet to receive any document from Equifax, almost seems like they're throwing my letters away. There has been zero response, I will attach my last five letters sent to Equifax to this complaint.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I wrote a letter about inaccurate accounts on my credit report. It has been two months and I still haven't received a response.
Complaint sub-issue: Attempted to collect wrong amount

on XX/XX/2021, i sent a letter to CARTER YOUNG, INC about a alleged debt of XXXX that i don't owe.i sent it off usps certified mail w/tracking XXXX XXXX XXXX XXXX XXXX and it was delivered on XX/XX/2021. i have not heard from them concerning the documentation that i requested.
Complaint sub-issue: Reporting company used your report improperly

My credit report was shared without my permission. Equifax was hacked and my information was stolen. They are completely responsible for keeping my information private and safe. Credit bureaus force me to be responsible daily, and I feel they should be held to the same regard.
Complaint sub-issue: Information belongs to someone else

my identity was stolen resulting in fraudulent activities added to my credit file, i am reporting it in hopes of having it corrected at once.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

On XX/XX/ 2022, I received a email from my employer that a " new garnishment '' was received. Upon reviewing the documents I discovered that a 3rd Party Debt Collector was garnishing me for an alleged debt owed from an automobile that I do not owe them for, and they have violated numerous of Federal Laws according to the Fair Debt Collection Practices Act ( FDCPA ). AUTOVEST, L.L.C, is in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692i - Legal actions by debt collectors, 15 U.S. Code 1692e - False or misleading representations, and 15 U.S. Code 1692d - Harassment or abuse and many more. They have caused me mental anguish, loss of sleep, embarrassment, and ruined my family 's XXXX stealing my earnings a couple days before XXXX. I was never attached to the address listed on the summons and they served a XXXX XXXX which cause them to get a default judgement against me and are trying to ruin my life. I have been denied use of my credit also because of this debt collector. Please see all attachments
Complaint sub-issue: Account information incorrect

XXXX Credit card account is currently reporting open : XXXX XXXX XXXX and balance of {$2300.00}. 

This account has been paid in full and closed as of XXXX the account has a ZERO BALANCE