Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record

I have filed a dispute with equifax to remove my joint chapter XXXX bankrupcy. filed on XXXX/XXXX/XXXX at NV, XXXX XXXX federal court # XXXX XXXX CT-LV, the address is XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX NV XXXX, tel # XXXX. Joint Bankeupcy under XXXX XXXX and XXXX XXXX, case # XXXX. This bankrupcy was dismissed/closed - ch XXXX. 
my original dispute with Equifax was on XXXX/XXXX/XXXX, they refused to remove it and instead of removing it, they are showing on my credit report that the bankrupcy court renewed the date which is my dispute date, which is XXXX/XXXX/XXXX. now I would like them to remove the bankrupcy from my credit report, it is over 7 years old. inclosed is documents and letter of dispute sent to Equifax , I disputed online and by mail. please remember that it is a joint bankrupcy and it has to be removed from my credit report as well as my wife 's. 
Thank you in advance. 
Have a happy and healthy new year. 
XXXX and XXXX XXXX
Complaint sub-issue: Debt is not yours

Hello, I've been submitting dispute letters to remove this fraudulent auto loan off my credit report and I have not gotten any responses. By law after 30 days you must remove debt if nothing been verified!
Complaint sub-issue: Reporting company used your report improperly

According to the FRCA it is a violation to report monthly payment and payments on a closed account. Equifax refused to remove the accounts from my credit report. I have dispute letter and factual documentation. I have requested Equifax to remove the accounts. 

XX/XX/2019- Dispute letter and copy of credit report sent out to Equifax . 

XX/XX/2019- Dispute letter and copy of the credit report sent to Equifax . 

XX/XX/2019- I have sent out a copy of the credit report and dispute letter
Complaint sub-issue: Attempted to collect wrong amount

I received a settlement offer from US Bank that gave me until XX/XX/2020 to pay {$870.00} to settle a debt of {$2100.00}. The offer had a return address of XXXX. 

I sent the requested funds via a money order to avoid arguments about the funds clearing. I took the settlement letter and funds to the US Post Office on XX/XX/XXXX to make sure it went out and to be sure it would arrive before the deadline.

The US Post Office told me that zip code does not exist so I call US Bank and received assurances from them that they would receive it if sent it and my funds were delayed they would still accept them as my settlement. 

US Bank then did exactly the opposite of what they told me. They received my funds and didnt give me a settlement but accepted it as partial payment. I argued with them about the bad zip code, the delay and their promise to accept the payment, nothing. It was dishonest of them to give me a bad zip code then tell me everything is fine.
Complaint sub-issue: Account status incorrect

i was NEVER late on this account in XXXX i have no idea why they put this on my credit report but i have tried to get them to correct it and its XXXX and they have not fixed it yet.
Complaint sub-issue: Investigation took more than 30 days

I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me XXXX XXXX XXXX XXXX of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day 30 days later I have not received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, and it has been well over 30 days so they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach. After I updated my report on XX/XX/21 and realized that not only did the bureaus not verify or show proof of verification or validation, but they also did not put on my report that these items were under dispute that is a direct violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

I have done my research and I know I am entitled for compensation for these violations and they must be deleted. I also sent follow up letters on XX/XX/21
Complaint sub-issue: Investigation took too long

After reviewing my credit report in detail XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over XXXX letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1.DP OF EDUC ( letter got returned, over 7 years from first date i was first late ) 2. XXXX ( over 7 years ) 3. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 4. XXXX ( i believe we first became late of 7 yrs ago ) 5. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 6. XXXX ( i was first late over 7 years ago ) ( very sure ) 7. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
Complaint sub-issue: Account status incorrect

Inability to log in and trouble making and receiving credit for payments
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/20 my Credit report was pulled for a pre-approval form XXXX XXXX. Minutes after my credit was pulled I received multiple calls from XXXX  ( lender ). XXXX was attempting to sell me mortgage loan options. The representative indicated that Equifax has a " deal '' with XXXX - providing them with notifications of credit pulls from other loan institutions. 

I find it hard to believe that an initiation responsible for maintaining credit information is able o leverage/sell my private information without consent. Could you please verify. 

Numbers I received calls from : XXXX XXXX Thanks!
Complaint sub-issue: Didn't receive enough information to verify debt

Received unsolicited text message on XX/XX/2020 claiming a balance owed of {$75.00} to XXXX XXXX. The agency reference number is XXXX. On, XX/XX/2020, the business informed the CFPB that they would mail proof of the alleged debt and a copy of the receipt showing paid in full. Sixteen days later, this has not been provided.
Complaint sub-issue: Didn't receive services that were advertised

I locked my credit using Equifax Lock and Alert last year after I was alerted that my email address and phone number were compromised. To do this I had to provide my SSN, address, phone number, etc. I did not have to provide any documentation. On Saturday XX/XX/2020, XX/XX/2020, and XX/XX/2020 I logged into my account ( XXXX XXXX XXXX ) and when I slid the lock over to unlock my credit I received an error code XXXX  and was directed to call XXXX with that code. On XX/XX/2020 I spoke to five representatives, including a manager, who told me I would have to mail a copy of my SS card with a cover letter including my full name, SSN, email, and phone number and 5-7 business days after that they would respond. I can not do this because a ) I don't want to send that in the mail to be lost or stolen, and b ) I don't have a copy machine in my home and won't potentially expose myself to a deadly virus to send documents I feel they have no right to ask for. And I'm sure no office supply stores or XXXX 's or libraries are open during this pandemic. Meanwhile, mortgage rates could go up and cost me thousands of dollars. Again, they did not ask for any verification documents when I signed up and locked my credit. They advertise a service to easily lock and unlock credit just by swiping the lock. Instead, they have basically hijacked my finances.
Complaint sub-issue: Information belongs to someone else

The credit company is still reporting incorrect information on my report the account from XXXX XXXX was deleted but is still reporting they have copy of my police and still have not removed the accounts off my report
Complaint sub-issue: Debt is not yours

I received a copy of a XXXX phone bill in the mail via XXXX XXXX XXXX which stated that I owe an alleged debt in the amount of {$630.00}. ERC stated that the phone bill was a " validation of debt '' letter mailed to me in response to a dispute that I initiated with credit bureaus. A copy of a bill is a not validation of debt, under the FCRA I have the right request a contract from the original creditor that states I owe ERC this alleged debt. 

Account number : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to dispute the following information in my file. I recently received a copy of my Equifax report. The credit repot show inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put inquiries on my file unless I have authorized it.

The FCRA states that the only permissible purpose for pulling credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 XXXX investigated my claim of identity theft and agreed that the reported account as a result of identity theft and that I am not responsible for this debt. They also agreed to remove this information in its entirety from all three credit reporting agencies. To date, the incorrect information has not been removed by the credit reporting agencies.
Complaint sub-issue: Problem with the interest rate

This complaint is regarding intentionally deceptive business practices engaged in by XXXX XXXX. During XXXX 2017 I entered into an agreement with XXXX XXXX to refinance existing student loans. The rate I selected was a variable rate that was pinned to 1 month Libor. Per the final disclosure documents I received, this rate at inception of the loan was 3.32 %. However, upon entering the loan, I found the opening rate not to be 3.32 %, but rather 3.56 % ( a 24 basis points difference ). I have been in contact with XXXX customer services for weeks to no avail. I have supporting documentation for this claim and am myself very well versed in financial concepts and disclosures as I myself am a XXXX This intentionally deceptive company needs to be reprimanded and consumers made aware.
Complaint sub-issue: Problem during payment process

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, I've sent letters to all 3 credit agencies for a investigation of inaccurate information reporting on my credit report. I've gotten no investigation letters from bureaus.
Complaint sub-issue: Personal information incorrect

I have disputed the incorrect name reflecting on my credit report at least 4x 's in the past 6mths, via online disputes and only half the report gets corrected. 

My name is XXXX XXXX XXXX. I am not sure how an incorrect prefix of XXXX keeps getting attached. I submitted a dispute on XX/XX/2020, regarding the incorrect prefix reflecting on my name and provided a copy of my Drivers License and received an email on XX/XX/2020 indicating that my dispute was completed, however my name on the credit file still shows incorrectly.
Complaint sub-issue: Can't use card to make purchases

Please refer to my previous cfpb complaint ... I have still not received my refund check of {$180.00}. They say they mailed it to my previous address at XXXX XXXX XXXX but I still lived there until 2 weeks ago so it should have been received. When I called yesterday concerning it I was transferred 4 times before I was ultimately hung up on. I want my money as fast as possible. I need the money and have needed it for weeks now. If it can be ACH back to my account please do so. My new address isXXXX XXXX XXXX , XXXX Ohio XXXX.
Complaint sub-issue: Problem with fees

I am being charged late fees from citi bank Best Buy credit card. I have been charged {$25.00} on 3 separate occasions and the only thing i have done is try to make payments. I now have lost {$75.00} to fees. I have tried to reach a customer service representative only to be put on hold hours on end. I have tried signing in on their mobile app, on my phone, and on my laptop with no luck. Every time i try to sign in it has issues signing into my account with associated birth date, social security, etc. and locks me out of my account. I have been able to get into the account one time on my XXXX through XXXX  and it showed no minimum payment due, but a balance of {$620.00}. The full amount it says i owe when it charges the late fees is {$1300.00}. I want to pay the full amount so i never have to use this card or company again. I have pictures of my bank account and the fees they are pulling. They have pulled fees XX/XX/XXXX XXXX and XXXX of this year. I made a payment on XX/XX/XXXX of {$620.00} through their automated system since that was the only place i could make a payment and the maximum amount it would allow me to pay only to be charged with two more {$25.00} fees as i have said above. I still have not been able to reach anyone and it has been about 2 weeks since i have been trying to pay this card off in full and get the late fees waived.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I tried to pay a bill using my prepaid card, however the money was caught out in " XXXX '' and never got paid to the company. Its still pending even now. I have called the bill company and spoken to my prepaid card company all week with no resolve from the prepaid company. I have asked them to release my funds since XXXX XXXX, which is the date of the transaction and they have refused. I cant pay my bill. I need them to resolve this issue, but they have been unwilling thus far to help me. That's my money and I can't access it.
Complaint sub-issue: Problem getting report or credit score

Of the XXXX credit bureaus, only Equifax had a name associated on my account that was not mine, nor was it even remotely similar to mine. In fact, it was a man 's name, and I am female, and again, it was not similar in any way to mine. I went online to Equifax and followed the prompts to request this be corrected. I received email after email ( I have a print screen shot of the automated response from Equifax ) from Equifax stating my online dispute is now available for me to confirm the status. Yet, each time, I 'd get another screen stating there are no disputes on my credit file. I decided to contact Equifax and speak with a person on XXXX XXXX, 2016 at XXXX XXXX. The gentleman I spoke to was foreign, and difficult to understand, he continued to go around and around without ever answering my question about why the email Equifax keeps sending me does n't produce a status. He informed me the name associated to my account has been removed. I continued to ask why I am unable to view this for myself on the emails Equifax sends, and again, he said he did n't know. I asked to speak to his Supervisor, this was a gentleman named XXXX out of the XXXX GA office. He too was very difficult to understand as he had a thick XXXX accent and he would not provide me any other identifying information. I asked him if he is the only XXXX in Equifax 's XXXX office and he said yes. He was rude, agitated and refused to explain why Equifax is sending me emails that wo n't provide information. In the end, he said he would snail mail my corrected Credit Report. This was XXXX am on Friday, XXXX XXXX, 2016. I have yet to receive my credit report and today is Monday, XXXX XXXX, 2016. 
I am appalled that credit bureaus have so much control over my personal data, and continue to create mistakes, and the fact that businesses rely on these credit bureaus is haunting. I need my corrected credit report from Equifax. Thank you.
Complaint sub-issue: Reporting company used your report improperly

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These are not my inquires and do not need to be on my credit report and are being reported by experian. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX XXXX- non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX These are not my inquires and do not need to be on my credit report and are being reported by XXXX. I sent them a letter XX/XX/XXXX and still not response. 

XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX These are not my inquires and do not need to be on my credit report and are being reported by Equifax. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry  : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX
Complaint sub-issue: Problem during payment process

My complaint is against the citi credit card company.I made a payment for {$720.00} it was put in twice I dont know how so I called the credit card company to let them know that they took the payment out twice so they told me To dispute it and the money will go back to my account. 
So I did that like five days go by I take my daughter to the movies and I go use the credit card and its not working they told me when I call that it was not activated because insufficient funds of the {$720.00} that I took back that they took out two times One of the {$720.00} was taken out on XX/XX/2021 And the next one came out on XX/XX/2021 So we have been going back-and-forth for a few days now so now They tell me my account was closed because insufficient funds and a lot of late fees but if thats the case how can a diss activate my card for late fees that happened in the pass I dont see how they can do that The last payment I made was for the {$720.00} and I believe I made that payment before it was even time to make the payment I feel I am being discriminated against And I should not feel this way specially if I did not do nothing to cause my account to close only thing I did was take my money back that was took out two times
Complaint sub-issue: Investigation took more than 30 days

I disputed account on my credit report with Equifax my first dispute was sent out on XX/XX/2018 which they did not respond to even though I had given them amply time to do so. I sent a no response for my disputes to Equifax on XX/XX/2018 and still today they have failed to respond or properly investigate my disputes. They have outright ignore my request to dispute which is a violation of my right clearly
Complaint sub-issue: Account status incorrect

I just applied for a refi for my house and I got rejected because they said I have a 30 late payment on my mortgage. I was on a Forbearance Plan with XXXX from XX/XX/2019 to XX/XX/2019 because the President shutdown the government without pay. XXXX XXXX XXXX XXXX took over the loan on or around XXXX and started a Loss Mitigation Home Modification process. I was making monthly payments and catch up payments while they considered the modification. I just talk to a rep at XXXX and she pulled my account and said there were no missed payments and it should be corrected on there end after XX/XX/XXXX. She put notes on my account and admitted my paperwork from XXXX didn't get transfer over correctly to XXXX. I was not late on XX/XX/2019.