Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter to Equifax. The tracking number is XXXX. The letter was a dispute about this account Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX When I sent the dispute letter Account Name & Number : XXXX XXXXXXXX XXXX XXXX XXXX Equifax violates 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Equifax did not conduct their investigation in 30 days or delete the inaccurate information.

Equifax did not do an investigation within 30 days after receiving my dispute. Nor did they delete the disputed account after 30 days Equifax violates 15 U.S. Code 1681i ( a ) ( 2 ) ( a ) ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

Equifax did not notify me at my mailing address provided in my dispute letter that an investigation is taking place If Equifax did in fact do an investigation they have not notified me of the results which would be a violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( a ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

Equifax is in clear violation of several laws and by doing so violated my federally protected consumer rights.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have the Citi Double Cash card and used their " citi flex pay '' plan to purchase my new roof. I needed to create two plans both in the amount of {$5400.00} at an interest rate of 5.99 % each with a payment plan of 24 monthly payments in the amount of {$240.00} totaling $ 484/month. I typically only use this card for larger purchases and pay them off right away. I purchased a couch in the amount of approximately {$1500.00} and immediately made a payment for that amount. Unfortunately, the couch purchase had not " posted '' to my account and thus the {$1500.00} payment was taken off of my flex pay plans resulting in them being paid off much more quickly. I requested that Citi reinstate that amount on the plan and apply the payment to the {$1500.00} purchase that had since posted to my account as opposed to having to pay a higher interest rate XXXX 15.99 % ) on that couch purchase. Citi is refusing to do this and has been confusing, misleading, and unclear in their explanation. Essentially, I am being penalized and now face nearly $ XXXXmonth extra in interest because I paid off a purchase too quickly. Their process for flex pay is not clear and they are refusing to be flexible. As such, I am being penalized and they are quite literally stealing money from me because I paid off a larger chunk of my bill. I find this absolutely ridiculous and would like to find a remedy. Again, I have contacted Citi and they refuse to meet my needs or negotiate with me.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 credit bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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
Complaint sub-issue: Old information reappears or never goes away

These are private loans that ECMC credit services has Been trying to collect, they sent a promissory note with the wrong drivers license, not with my full name, and on the signature part my name is typed. These private student loans that this company is trying to collect on I fraudulent, they were deemed fraudulent by the department of education, they have been removed from my credit bureau three times, this company has failed to validate this debt. I need it removed, besides all the information is wrong, this loan is fraudulent, it is out of the statue of limitations.
Complaint sub-issue: Information belongs to someone else

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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
Complaint sub-issue: Information belongs to someone else

This account dont belong to me Please remove this account of all 3 credit report agencies, look here the accounts to delete 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.
Complaint sub-issue: Information is missing that should be on the report

None of the three credit bureaus have my XXXX XXXX XXXX XXXX reported. It is unclear if the credit card company reported.
Complaint sub-issue: Investigation took more than 30 days

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


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 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
Complaint sub-issue: Problem lowering your monthly payments

DEBT COLLECTOR, provide proof by affidavit or declaration, sworn by wet-ink signature signed under the penalty of perjury, DEBT COLLECTOR did not engaged in any conduct to harass, oppress, or abuse claimant including but not limited to placing telephone calls without disclosure of the caller identity, the use obscene or profane language, causing a telephone to ring with the intent to annoy, abuse or harass claimant and/or threatviolence, or other means to harm the reputation, or property of respondent.
Complaint sub-issue: Information belongs to someone else

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8100.00}
Complaint sub-issue: Account status

I disputed the 'date of first delinquency ' with Equifax . They completed their investigation but did not address the issue I disputed ( they responded stating that the balance, close date and date of last activity was correct when I specifically disputed the DATE of FIRST DELINQUENCY ). I called the creditor to confirm the correct date and re-disputed with Equifax ( XXXX ) and provided all the contact information of the person that I spoke to at the creditor. They have already completed the investigation and did still did not address the issue that I have disputed. I am including copies of the letters that I have sent them during the dispute process. Equifax failed to properly investigate this information and is continuing to report inaccurate information on my credit report.
Complaint sub-issue: Account status incorrect

It 's a XXXX XXXX charge off from XXXX, two accounts deragortory status They where charged off by XXXX XXXX and today on equifax they show as a current charge off XXXX. This was changed when I asked to be r moved XXXX continues to report as the last and this monthXX/XX/XXXXas a charge off date. Every one at equifax is XXXX or XXXX call centers. 
When they see that XXXX was the charge off date and do n't know what to do, I have disputed this and XXXX comes right back with fraudulent statements Please remove I agree it 's a charge off from XXXX soon to drop on credit reportXX/XX/XXXX. I need this correcte d no one will
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX  has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX  of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX
Complaint sub-issue: Account information incorrect

I know according to the FCRA i have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. 

How can the Credit Bureaus verify if the furnisher could not? What information did they use to verify the account? The law is very clear on this issue, if it is unverifiable, then it must be deleted. 


Thank you for your time and help in this matter. Sincerely
Complaint sub-issue: Old information reappears or never goes away

I have attached Equifax 's response to my complaint filed with CFPB.Gov XX/XX/2014 regarding XXXX XXXX XXXX, and you will see in the attached documentation Equifax deleted the account from my credit file after their investigation, however they have now improperly reinserted it. Equifax has violated the FCRA by reinserting this account improperly. No notice was ever sent to me to tell me they had any intentions on reinserting the fraudulent information as they are required to do as a matter of law. The account number for XXXX XXXX XXXX is XXXX and you will find they have improperly reinserted this. <P/>I am providing Equifax 's original response stating they deleted the account to prove this is an improper reinsertion. I have contacted Equifax by phone, fax and certified mail to have this corrected and removed from my credit file, but Equifax refuses to remove this improperly reinserted informaiton.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Noticed an inquiry on credit report that did not belong to me. Filed a dispute on XX/XX/20 with bureau as inquiry from fraud. Bureau responded on XX/XX/20 stating inquiry was a factual record of access and to contact creditor. Contacted creditor and they stated they did not have an application on file for me and that the bureau usually sends over the dispute to them so that they can open investigation to verify accuracy but they never received such information. Creditor advised to contact bureau again and dispute again as they have no idea where the inquiry came from and could not open investigation on their end without evidence to open.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute on XX/XX/XXXX with Equifax a my mortgage company XXXX XXXX XXXX XXXX located in XXXX, TN is incorrectly reporting on my credit. They are reporting that I have not paid since XX/XX/XXXX, that I have missed XX/XX/XXXX and XX/XX/XXXX payments as well as me having a past due balance of {$2600.00} and it shows my mortgage balance increased {$980.00} ( which is incorrect ), so the balance on my mortgage is wrong. All of this information is incorrect. My account is current, I have no past due balance, I paid for XX/XX/XXXX and XX/XX/XXXX, my mortgage balance did not increase and instead decreased, my mortgage balance is {$180000.00} NOT {$180000.00}. Again, I submitted this dispute with Equifax on XX/XX/XXXX and received notification on XX/XX/XXXX that it had been completed but still with the wrong information. Equifax did a poor job in getting the correct information updated. I then called my mortgage company and spoke with someone and they said they were able to see that my account was current but they were unsure why it's reporting wrong but could not resolve the issue. They simply asked me to send an email and this has caused my credit score to drop several times. The lady with the mortgage company said they may not have checked my account but why would they report to the credit bureau with incorrect information, without truly checking my account. I'm attaching the dispute section from Equifax showing no changes made and the incorrect information. I'm also attaching a screenshot of my mortgage account online to show my current balance with no past due amount and when the last payment was received.
Complaint sub-issue: Problem with rewards from credit card

I made some large purchases and then suddenly the bank closed my account so I can't redeem the cash back anymore. I should be getting {$350.00} cash back from the account.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

I have been sending countless letters appealing to Equifax to verify the disputed item and remove it if unable to prove that the Item is mine. Equifax is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy... Please remove the item ASAP : XXXXXXXX XXXX  XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX XX/XX/2019, credit card company sent me a letter asking for further information regarding my dispute with Sears for a charge of {$140.00}. I ordered a XXXX XXXX  10 inch sliding Compound Miter Saw ( Order Number XXXX ) on XXXX XX/XX/2019. Sears shipped the item on XXXX XXXX and I received it on XXXX XXXX of this year. 
On XXXX XXXX, I contacted Sear Member Services via their chat line ( XXXX -- Sears Case Number : XXXX ) informing them that the item was defective. Specifically, the saw blade would not align with the kerf box. If the saw was activated, it would destroy the rubber siding of the box and cause injury to the user. I requested return instructions. 
I was assured by operator XXXX that I would receive a return shipping label within 24 hours. None arrived. Subsequently, I received the same assurances from operator XXXX on XXXX XXXX then operator XXXX on XXXX XXXX. No return label or instructions were received despite my repeated attempts to secure one. 
On XXXX XXXX, operator XXXX again promised a label -- - none arrived. On XXXX XXXX, operator XXXX repeated the same response without effect, no label. On XXXX XXXX, operator XXXX stated that the merchant has been in contact with you. I told him that no one was in contact with me and that the item still sat in my house. 
On XXXX XXXX, I received an email from XXXX stating that we have escalated your issue to the higher authority so that they can investigate the issue and assist you further. On XXXX XXXX, I once again went to the Sears chat line and operator XXXX told me that Sears marketplace guarantee would cover the entire {$140.00} dispute. 
I received the return shipping label via email that afternoon. Following instruction sent with the label, I went to XXXX and placed the shipping box inside another box at additional cost of {$37.00} and sent it to XXXX, SC ( Tracking Number XXXX ). It arrived on XXXX XXXX. 
I have hard copy documents to support each of the actions I have taken to return this defective item. If you desire, I can send them via surface mail. 
The credit card company had held the payment in dispute then reversed the credit stating that I still had the item. In reality, the seller informed the credit card company they had not received the item the same day they sent me return instructions. I paid the bill, but I have received no assistance from either Sears or the credit card company to credit me for the cost of the item plus the shipping.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Problem with statement of dispute

I have an FHA Loan with XXXX XXXX, # XXXX. XXXX XXXX has reported that I have been more than 30 days late with agreed payment schedule. I have disputed this derogatory with XXXX XXXX as all of my records reflect payments current and on time. I addressed my concerns with documents showing the current/on time payments. The inaccuracy is on behalf of XXXX XXXX applying the payments " at will '' in their receiving account division, therefore reflecting negative on my credit profiles and straining my overall credit scores. XXXX XXXX has refused to investigate this matter further or review my account properly regardless of my payment documents proof.
Complaint sub-issue: Company closed your account

This account is closed and I called Equifax to get it removed since it's closed and horribly effecting my credit. When asked to remove, they refused, so I asked for them to send me my documents for that account, and they wouldn't respond.