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

I filed disputes online with Equifax on 4 different accounts on XX/XX/2019. I received repeated confirmation emails on each dispute from Equifax, each email included confirmation numbers. I called Equifax 2 weeks ago to inquire about the disputes and referenced the confirmation numbers. I was told the dispute wasn't resolved yet and could take up to 30 days. I called Equifax on XX/XX/2019 and was told that I never filed any disputes, I had only added a comment to each account showing on my Equifax report. There is not even a section on the Equifax website to just add a comment to your account. I know I filed a dispute on each account because I called Equifax and asked specifically for each account number they have listed on my credit report. When I filed the dispute online I entered each account number on each dispute. In total I filed 5 disputes that day. One dispute was removed from my report, but Equifax is telling me I only filed comments on the other 4 accounts, not disputes. They told me I would have to file a dispute with them over the phone as we were talking and I would have to wait ANOTHER 30 DAYS for the dispute to be resolved. The Equifax supervisor repeatedly told me they do not have any knowledge of what is on the Equifax website and that they can only help with online disputes. I found the phone number for Equifax on the Equifax website. Which is the number I called and this is the information I was told by Eqiufax supervisor. Out of frustration and anger I filed refiled 4 disputes over the phone with the Equifax supervisor named XXXX on XX/XX/2019.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried for approximately 3 years to get information on my credit report fixed regarding my federal student loans payment status. My loans were in XXXX in 2019 with a payment of {$0.00}. I then applied for the XXXX XXXX XXXX XXXX and my payments again were set to {$0.00} dollars. Due to my profession I am also in the XXXX XXXX XXXX XXXX which allows me to make XXXX payments even if those payments amount to {$0.00} then the loans are fully forgiven. During the time of the transition into the different loan status the loan showed a missed payment on each of the XXXX student loans. I have explained this to Equifax, XXXX and XXXX. I have provided them with letters showing I never missed a payment because none was due. I have requested them to do a full investigation and not just call the XXXX XXXX, which would include documentation. XXXX of this has been done. How can I be 90 days past due when no payment was ever due. Represetatives for XXXX XXXX are often uneducated to what has transpired. This has ruined job opportunities and made it difficult for me in many other aspects.
Complaint sub-issue: Their investigation did not fix an error on your report

The accounts and inquiries listed below are fraudulent and being reported illegally XXXX XXXX Bank {$880.00} Acct # XXXX XXXX XXXX XXXX {$1200.00} Acct # XXXX XXXX XXXX XXXX {$200.00} Acct # XXXX XXXX XXXX {$710.00} Acct # XXXX INQUIRIES XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020
Complaint sub-issue: Didn't receive notice of right to dispute

REMEX INC at XXXX XXXX XXXX XXXX, NJ XXXX has been sending me collection notices in the amount of ( XXXX ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX  Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with XXXX and Equifax.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and identity fraud. After viewing my credit report, I noticed accounts and credit inquiries that I did not apply for or authorize. I immediately contacted the companies in question and notified them of the incorrect reporting and advised them that it is obvious that I have been victimized and that someone has used my personal information to fraudulently open several accounts. Currently those accounts are a XXXX credit card opened XX/XX/XXXX and a XXXX XXXX  credit card opened XX/XX/XXXX. There are also several inquiries on my credit report that I did not authorize. In addition to the ones for the XXXX and XXXX credit cards, there are the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

Company known as Jefferson Capital Systems has been attempting to collect an unpaid phone bill totalling {$730.00} from XXXX, owed by my deceased father. I have disputed the debt multiple times but they continue to claim that I owe the bill though I have never had a an account with XXXX.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX
Complaint sub-issue: Account status incorrect

I had a secure credit card with U.S. Bank and there was fraudulent activity on my card. Spoke to the collections agency, told them it was fraud, they sent that over to U.S. Bank stated they denied my claim because my bank account was used to fund the account. I have disputed this with the credit bureaus and they are still keeping this on my credit. I asked for proof of statements, none has been provided. This is very detrimental to my credit. I am in the process of trying to buy a house and this has caused me to be denied for a loan. I want U.S. Bank to remove this account from my credit report. I am still getting collection calls from a collection company.
they responded on BBB stating I funded the account, Yes the account was mines but the charges after XXXX were not mines.I also noticed they sent me billing statements, each payment that was made was returned due to non funds, when was my account funded multiple times before U.S. Bank closed my account. I never received any calls about these funds not going through. U.S. Bank promotes there high quality to prevent fraud, but this was happening on my account they were letting charges still happen for months. Multiple payments made and was returned and no action on there parts. Also, they are still reporting on my credit report that my account is still open. reporting FTP ( failed to pay ) every month. Also, I received a letter from there fraud dept stating I owe {$810.00} on my next billing statement. How do I have a billing statement is my account is supposed to be in collections/charge off. Also, on my report the date it
Complaint sub-issue: Debt is not yours

I disputed these account many time with the collector and they insist.
Complaint sub-issue: Debt is not yours

I.C Systems Inc has been kicked off my credit multiple times and continue to ruin my credit saying I owe for a old modem for XXXX, they have been continuing to herass me and and ruin my credit for something I have never had!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX, In account # XXXX XXXX XXXX XXXXXXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Investigation took more than 30 days

My name is XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I sent a request for reinvestigation due to inaccurate information reporting on my credit report. I want to bring attention to the follow law which is 15 U.S Code 1681e Compliance procedures ( b ) accuracy of report. The law states the bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information reporting. They have failed to do that, and my rights have been violated. The laws also state there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I even demanded that they provide me with the methods used to verify such information and have not received any response as required under 15 U.S. Code 1681 ( b ) Reasonable Procedures. I have not received any correspondence of any investigation being initiated on my behalf which is again a violation of my consumer rights. The law states that any and all unverifiable information is immediately deleted and blocked from my consumer file.
Complaint sub-issue: Account information incorrect

My wife and I have been victims of fraudulent activity because the Dept of Personnel Management under President Obama allowed our personal information to be stolen through their negligence. Since that time my wife has suffered additional fraud by someone changing her address at our bank and causing bank account information to be moved to XXXX, FL to a sham storefront business ( 3x )!  I recently received a notice from XXXX asking if I had closed an account ( I didn't ) : " Hey XXXX, It looks like your XXXX/XXXX  account on your Equifax credit report was recently listed as closed. '' I had to do a XXXX search to find out who that was and it was XXXX closing an account they had opened and tried to get me to use but I never did. But their closing of the account lowered my credit score EVEN THOUGH I NEVER USED IT and all my credit agency accounts have been locked! I don't know who reported this as a negative impact, but how can my credit score go down, if I never owed any money on that account?
Complaint sub-issue: Problem during payment process

I had paid my Best buy bill which was for a total of {$100.00} in store on XX/XX/2017. The due date is on XX/XX/XXXX. I continued to check my account balance for the entire week. No payment was applied. It had appeard as if I did not make any payment at all. 

The day before I called the XXXX customer service number. I made an attempt to send an email message. The Message included a reciept authorization number located on the reciept to show them I indeed had made a payment and the number was proof of payment. I recieved an emailed response claiming that there was no record of payment. 

I called the XXXX Customer service number located on the card. Once I was able to speak with a person. I was told that there was no record of payment. I explained that I had made an in store payment on XX/XX/XXXX and that I had the reciept in front of me. I also informed the person that I sent an email message the evening before. The person said I needed to be transfered to a specialist. I was on hold for about 3-5 minutes. I never spoke with the specialist. I was informed by the same person that told me I needed to speak with the specialist that they have my payment information on record and that I have a XXXX balance and that it would take 7-10 days to show on my account. I was also told that if a late fee is applied, that it 'll be waived. The person also claimed that this is not the first time this happened. I asked the person if there was any information they needed from the reciept before we disconnected from the call. I was told no more information was needed. 

This is my first negative experience after making an in store XXXX bill payment. I suppose there are issues with staff or processing payments. I 'm not sure which, either way this is an inconvenience for me who always makes payments on time and pays in full. My concern is that this mistake is going to be added to my credit report. Without any fault of my behalf.
Complaint sub-issue: Information belongs to someone else

*** Equifax*** View all accounts COLLECTIONS XXXX  Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   Opened XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX   XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX *** XXXX*** Derogatory marks View all accounts COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$1100.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX   OpenedXX/XX/XXXX {$850.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : 11 XXXX XXXX XXXX XXXX XXXX-former OpenedXX/XX/XXXX {$1400.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1000.00}
Complaint sub-issue: Information belongs to someone else

In XXXX of 2020 I had my credit pulled while looking for a mortgage and saw accounts that were a result of Identity theft. These accounts have been reported to the credit bureaus and to date have not been removed. I would like to complain because I am a victim and the companies have yet to remove the information.
Complaint sub-issue: Don't agree with fees charged

My step-son, XXXX XXXX, and I were scammed by MOHELA Student Loan on XXXX XXXX, 2004. This is the 2nd complaint I 've filed with CFPB against MOHELA. The first complaint # XXXX is still pending. MOHELA used a deceptive and misleading Truth In Lending disclosure and XXXX page loan document. Proof that my step-son is not the only victim can be found by viewing this weblink, it 's a video of an investigative reporter interviewing another victim : XXXX XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX & XXXX & XXXX Seems that MOHELA is famous for adding interest charges to loans that they purchase from other lenders. Appears to be a " bait and switch '' scam. Shame on MOHELA for taking advantage of high school graduates with no borrowing experience and for snaring parents excited for their children to attend higher education but lacking funds to send them as co-signer on the deceptive loans. MOHELA does not make interest that loans accrue while students attend college clear and obvious so that a first time borrower/recent high school graduate and parent that 's excited for their child to attend higher education can see and understand interest that will accrue while the student is attending college. The weblink video is proof of multiple victims of this scam.
Complaint sub-issue: Account status incorrect

I have previously tried to resolve this with XXXX numerous times and each time they failed to address that matter at hand. I went on to file a XXXX complaint to which they also failed to respond. The complaint was closed as " unresolved '' due to their failure to address this issue. I have attached a copy of the XXXX  response. The XXXX   suggested I open a CFPB complaint. When trying to resolved the issue XXXX just sends me generic response letters not addressing the matter at hand. Only sending me a " credit reference letter ''. XXXX, as a furnisher, is required by the FCRA to UPDATE any information reporting to the CRA 's. According to their own records my loan was in forbearance from XX/XX/XXXX- XX/XX/XXXX however it is reporting late on my credit report. I have previously attached an FTC advisory opinion stating their responsibility in this matter and they have continue to ignore it. I again attached this FTC advisory stating such obligations. They are obligated to UPDATE my file and have failed to do so. I expect my credit report to be updated immediately reflecting the forbearance I was granted. XXXX is ignoring FCRA regulations and is not responding to a XXXX complaint or the matters addressed in it. Their failure to adhere to FCRA and FTC regulations is hindering me from obtaining the best rates when obtaining a home causing me financial damage. I plan pursue financial restitution if this simple matter is not fixed.
Complaint sub-issue: Fee problem

Ive been with citibank since XX/XX/XXXX and renew the account because citi was not able to fix my issue from XX/XX/XXXX to XX/XX/XXXX for the files of their server being corrupted. In XX/XX/XXXX i kept getting these checking fees {$30.00} and other random fees just to have standard checking account. I was qualify for the citigold. And they state i qoute {$50000.00} was the minimum requirement to keep this checking account free of charge in one year span. If the minimum has not met before the year to date, they will cancel the gold and put me back to priority stage. My experience in citi gold is that why would you change the minimum {$100000.00} with out consulting with me when they know i dont even make that amount in a yearly salary during applacation process. The minimum was changed during the middle of the program without notice. Thats not even in their contract mentioned that the minimum may vary or anything about changing the minimum without notice. I thinks thats unfair for people whos trying to save money and have life and family.
Complaint sub-issue: Information belongs to someone else

I am submitting this dispute because Equifax Credit Information Services , Inc., credit bureau has violated FCRA laws 611 ( a ) ( 6 ) and ( 7 ) ; " As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. ", by not providing the consumer with the requested information at all.

Equifax Credit Information Services , Inc. has also violated FCRA law 609 ( a ) ( 1 ) ( A ) ; " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' The Equifax organization is in violation of this law due to the simple fact that they have not followed it and has yet to produce an original signed contract through physical verification There has been repeated attempts to correct this error in their reporting, but it appears they are refusing to follow the law which is very clear in what it states. Attached, you will find my most recent requests. At this point, my counsel is prepared to coordinate with a representative from the counsel of Equifax Credit Information Services , Inc.
Complaint sub-issue: Account status incorrect

During the year 2018, I was having financial crisis. A credit card company named First Progress was reporting late payments on my credit report. They reported that I was late on the months of XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. This is impossible, because I had auto-pay setup on this account. I for sure have paid on time with this company. I have disputed these late payments for years now, and they have not budged a bit to help this situation.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Hunter warfiled has erroneously reported a collection for {$4800.00} on my credit report from supposedly an apartment complex which is NOT legit and original creditor could NOT validate or justify the charges thus released of all liability due to breath of their power. However Hunter warfield has continued to report and aggressively trying to collect on this erroneous collection threatening levy, arrest and ceasure of assets...
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$10000.00} on XXXX XXXX XXXX original creditor XXXX XXXX WA account number XXXX. ( Please see page attached from my credit report. ) When I initially moved into the apartment I discovered there with two bulging holes in the roof ; along with numerous other defects in the apartment. I immediately contacted the management office and requested they send the maintenance supervisor and a crew member, along with the apartment complex manager, to investigate the roofing issues, as well as the other defects in the unit. I was assured by the apartment complex manager that these issues would be immediately resolved. The numerous repairs to the unit were never completed. Consequently, I had no choice but to vacate the premises. Due to the numerous repairs that were needed to the unit I was assured by the complex manager that I could vacate the property and that I would be released from the lease and that no collection action would be taken. The apartment complex did not honor their word. The supervising manager fired not only the apartment complex maintenance manager, but the crew member who initially investigated the material defects in the unit. I do not owe any outstanding balance and this false reporting of a collection is seriously harming my credit score. I have tried to contact the management company, as well as the bureaus to remove this collection however, I have not been successful. This line item needs to be removed from my credit report.
Complaint sub-issue: Debt was paid

On XXXX/XXXX/XXXX my payment of of {$290.00} was received by XXXX XXXX XXXX, who was assisting me in debt consolidation and was paying my credit card bills as a third party. Of that amount, {$8.00} should have been disbursed to Discover Card XXXX on or before XXXX/XXXX/XXXX but was not. The payment of {$8.00} was finally made to Discover Card XXXX on XXXX/XXXX/XXXX. This now shows up as derogatory information on my credit report for being a month late.
Complaint sub-issue: Old information reappears or never goes away

After disputing this inaccurate inconsistent old account it was determined Equifax would remove the account. The discharged account violates FCRA by by its history of unlawfully continuing to illegally report against a federal court order. 

Against better judgment and without any notice Equifax wrongfully added the account on my credit report.

Equifax has the account showing inaccurate information and also has re-aged reporting on this account as if its new and updated. It is not.

It is an illegal act due to FCRA Section 623 ( 5 ) ( A ). And it destroys credit, Please have this account removed from my credit report immediately Thank You