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

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Company closed your account

I have two accounts with CITI bank for XXXX one for XXXX right after I applied my XXXX benefits both my account were closed for no explanation. 
after calling multiple times talking to multiple people they reopened my accounts saying they were not showing I was under XXXX. My accout s were reopened. Than within 60 days my accounts were reclosed leaving me with bills. amounting {$10.00}. this time stating there was a credit change to my credit report and a missed/returned payment with last 60 days. And no XXXX  could stop them form closing my accounts.
Complaint sub-issue: Debt was result of identity theft

I checked my credit report and I noticed some unauthorized accounts and inquiries I proceeded to contact the credit reporting agencies that was reporting the negative and false information but they did not remove the negative accounts and inquiries.
Complaint sub-issue: Reporting company used your report improperly

I've contacted Equifax through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts. 

1. XXXX - XXXX XXXX 2. XXXX Original creditor : XXXX 3. XXXX XXXX XXXX Original creditor : XXXX These accounts are individual actions, they must be delete immediately.
Complaint sub-issue: Information is missing that should be on the report

Again the credit bureau 's request that you guys ( citibank ) contact them to fix this issue
Complaint sub-issue: Their investigation did not fix an error on your report

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. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : EMPLOYER : UNKNOWN 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX RETAIL Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Account terms

SS Number : Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Demanding A Credit Bureau Investigate To Whom It May Concern : I recently submitted a request for investigation of the following Acct Numbers : XXXX BANK DELAWARE Account XXXX FDCPA Act violation please delete. 
XXXX Account XXXX ... .This account is not accurate Please delete All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

If you had investigated properly, no e-Oscar system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. 

XXXX vs. XXXX, XXXX vs. XXXX XXXX XXXX XXXX, and XXXX vs. XXXX, Equifax, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
Complaint sub-issue: Information belongs to someone else

Equifax won't allow disputes on the website and will not respond to mail. Reporting inaccurate and fraud information after being disputed. The last dispute I sent to Equifax via CFPB they responded by saying the account was not on my report after I attached the statement. Their reason was the name of the account did not match. Three days after I receive the response, I get a notification from XXXX XXXX saying I have updated information. Equifax closed my dispute as invalid and then proceeded to update the account to the correct name. They also continue to repost or refuse to remove invalid accounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX # XXXX, 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 an account without my written instructions.

15 U.S.C 1681 C. ( a ) ( 5 ) section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

14 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

To Whom It XXXX Concern : On XX/XX/2020, Equifax, XXXX, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR Equifax 1. The high credit under this account is reported inconsistently on all three bureau reports. All information must be consistent on all three bureaus. Additionally, a charged-off account should not report any past due amount but this is particularly posting {$2600.00} as past due. How is that possible? 
XXXX Account Number : XXXX Delete this account for reporting all those inaccuracies. 
2. Why are both the dates under the XXXX and the XXXX  are not accurate on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA. 
XXXX Account Number : XXXX Please remove this account from my credit report for reporting inaccurate information. 

FOR XXXX  1. The high credit under this account is reported inconsistently on all three bureau reports. All information must be consistent on all three bureaus. Additionally, a charged-off account should not report any past due amount but this is particularly posting {$2600.00} as past due. How is that possible? 
XXXX Account Number : XXXX Delete this account for reporting all those inaccuracies. 
2. Why are both the dates under the XXXX and the XXXX  are not accurate on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA. 
XXXX Account Number : XXXX Please remove this account from my credit report for reporting inaccurate information. 
3. This is a collection account so the balance should be XXXX but it is showing an amount balance of {$370.00}. How is it even possible? 
XXXX Account Number : XXXX Please remove it from my credit report right away! 

FOR XXXX  1. The high credit under this account is reported inconsistently on all three bureau reports. All information must be consistent on all three bureaus. Additionally, a charged-off account should not report any past due amount but this is particularly posting {$2600.00} as past due. How is that possible? 
XXXX Account Number : XXXX Delete this account for reporting all those inaccuracies. 
2. Why are both the dates under the XXXX and the XXXX  are not accurate on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA. 
XXXX Account Number : XXXX Please remove this account from my credit report for reporting inaccurate information. 
3. This is an unknown account and I never received any paperwork to legally validate and verify this. I reached out to the collection company but I never heard back from them. 
XXXX  Account Number : XXXX I don't recognize this account and I need for you to remove it please. 
4. This is a collection account so the balance should be XXXX but it is showing an amount balance of {$370.00}. How is it even possible? 
XXXX Account Number : XXXX Please remove it from my credit report right away!
Complaint sub-issue: Trouble with how payments are being handled

XXXX   XXXX  University has taken last year and this year state tax refund of  XXXX  and  XXXX  for paying amount of  $ 1,000.00+. B ecause I called them couple of years ago to let them know that I can pay them at least {$50.00} a month. But they brought me to collections in which I wrote them a letter explaining my situation. And then I did not hear from the collections people at all. And then I received a notice that my state refund went to  XXXX   XXXX  University. I did not receive any notice or letter from  XXXX   XXXX  University that they were going to take money from me!!   Also I was charged an extra fee for collections services!! That is why I have to pay over {$1000.00} for the amount!! I have spoken to  XXXX   XXXX  University about taking my {$600.00} refund this year and they sent me by ema il 5 lette rs that I did not receive. What happen to collections helping with paying the amount? How much do I still owe  XXXX   XXXX  University?
Complaint sub-issue: Investigation took more than 30 days

I recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Complaint sub-issue: Account information incorrect

I recently paid off an account with Self Lender ( XXXX XXXX XXXX ). They are reporting my payment from XX/XX/XXXX as late but it was made early as I made 2 payments on XX/XX/XXXX, and another on XX/XX/XXXX.

Shortly after I paid on XX/XX/XXXX, my online account reflected that XX/XX/XXXX was " Paid early. '' When I paid again in XX/XX/XXXX, I assumed it would be applied to XX/XX/XXXX payment.

I have requested a goodwill late payment removal of this payment on account of my typically paying early on this account, but after review of my original loan documents, there is nothing there barring early payments. The documents do not state that early payments do not count toward the next month 's payment. The terms state that : " I may pay without penalty all or a portion of the amount owed earlier than it is due.

Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments of accrued unpaid interest. '' If early payments aren't applied toward the next month 's payment, I don't understand why my online account reflected that XX/XX/XXXX was " Paid early '' after my 2 payments in XX/XX/XXXX. I also don't understand why the account agreement doesn't state " Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments under the payment schedule '' versus " Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments of accrued unpaid interest. ''
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried to dispute this unverified account with XXXX XXXX XXXX. It has been 30 days since Ive sent a debt validation to this company with no response. I am led to believe that this company is reporting under two different addresses ( as shown in the attached pictures of my credit reports ) to defer the validation process. This is an unethical tactic. A consumer should be supplied with accurate and concise information to validate. I, as a consumer should not have to ASSUME which address is correct. Reporting should be accurate across each three bureaus. They are not in compliance of accurate reporting or allowing consumers to successfully validate debt. Under the FCRA laws this company has to remove the debt.
Complaint sub-issue: Other problem getting your report or credit score

My identity has been stolen and all three major credit bureaus have placed the alerts and freezes. However unknown to me is that other people have accounts in my name with the credit bureaus. Credit Karma also has an account with another person on it. I did call and got things fixed with XXXX but the thief has over taken my account again. All I can do is cry, these people steal every email I make, they stole my main email account that I have had for over 15 yrs now, it had all my accounts in it. They have used most every account I have. I dont know what else to do, I did file police reports when it first happened and its someone local to me doing this. They have copies of my id birth certificate etc, because there were copies in my emails to certain people when I had my XXXX email account. That account is XXXX. Im not able to get ahold on any of my accounts with the three major credit bureaus. I have made an email account its XXXX, Im not sure how long it will last but as of now I think its secure. I was also in the XXXX data breach with XXXX and Im just now learning of it because the thiefs got my notification letter about it, not me. Im certain they have filed a claim, well I know they did I saw the email about it. And Im the one going through XXXX because of it. I dont even have a debit card Because my bank says Im high risk because so much money has been stolen from my account. I cant even have online banking. Its a lot that I am going through, no one wants to listen to me this was my last resort. My phone number is XXXX. Please help me, please XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Old information reappears or never goes away

Student loan from XXXX was paid off over ten years ago and this account still show on my credit report this account is to old to be on my report
Complaint sub-issue: Account information incorrect

Received and alert from Equifax. Logged in to check it notice my credit limit had increased from XXXX XXXX. Did a credit score update it went from XXXX to XXXX for no reason and when I called XXXX he stated that it was because I filed a dispute. I explained to him that disputes don't drop your score. I repeated this with XXXX, XXXX, XXXX, and XXXX who added that a balance with XXXX XXXX  may have caused it. I requested to speak with a manager. No manager would speak.
Complaint sub-issue: Account information incorrect

XXXX XXXX is incorrectly reporting to all 3 major credit bureaus incorrect balances and payment history. They can not legally report Higher credit limits over the amount of the amount of the loans that I have taken out. 

These items have been disputed twice in the past year with each bureau and neither time have they failed to comply with rules and regulations to correct their errors. 

The amount of my loans do not total they amounts they are reporting and I have never received any documentation from them reflecting that they have verified the amounts I owe verses the total of my loans. 
If they can not verify the appropriate information and that all the debts they are reporting are correct then they are required by laws to remove those items from my bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

15 U.S.C 1661 states that NO credit reporting agency can report an open end account as late for an purpose or for any reason XXXX XXXX XXXX XXXX XXXX Is being reported as a late payment and should not be reporting as such 15 U.S.C 1681 SECTION 602 A. states I have the right to privacy 15 U.S.C SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without written instruction XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS reporting Incorrectly on my credit profile -DATE OPEN does not match with other bureaus -LAST REPORTED does not match with other bureaus -DATE LAST ACTIVE does not match with other bureaus.
Complaint sub-issue: Account information incorrect

I have reached out numerous times via phone and by mail to get a clear copy of the original contract and initial paper along with ALL Statements/Bills with no success. I am simply reaching out to them to get these documents for my records.
Complaint sub-issue: Account status incorrect

Greetings, I applied for a loan from Lending Club on XX/XX/2018 for {$12000.00}  and they approved me for it with 36 months, interest rate 29.41 % and APR 35.36 %. They gave me about {$11000.00} and they started billing me couple weeks after receiving the money. I appreciated the fact that they offered me the loan and started paying them immediately {$510.00} in XXXX and {$500.00} in XXXX and in XXXX I mailed them the balance in full of {$11000.00} after I called them and confirmed the amount we should be sending, My local Credit Union  mailed them the balance in full and they chose not to cash it till days later so they could charge me a late fee and now they put it on my credit after I called them more than once and fully disputed the charge with them. Now I am reaching to you to help me with this company to remove this erroneous reporting on my credit report. 
Thank you
Complaint sub-issue: Information belongs to someone else

I have two fraudulent medical bills on my credit report that do not belong to me! I have never been to either place for medical services. Please delete that following accounts : XXXX # XXXX Bal {$4200.00} ( XXXX ) XXXX PO BOX XXXX XXXX , OH XXXX XXXX XXXX BAL {$1400.00}
Complaint sub-issue: Investigation took more than 30 days

There are several accounts that are reporting incorrect status information. I was never late on my XXXXr - 30 days in 2019 on XXXX, XXXX, and Equifax.

I was never 30 or 60 days late with XXXX/XXXXXXXX  XXXX on XXXX  and XXXX. 

There are unauthorized inquiries reporting on my credit report : 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: Their investigation did not fix an error on your report

Upon trying to secure a loan for a large ticket item, I learned that Equifax XXXX XXXX XXXX, was reporting incorrect information about my credit profile. I called Equifax numerous times to correct the errors and was told by many representatives that my file had been " XXXX ''. Apparently this happens so often that they have their own department to handle " XXXX '' files. On XXXX XXXX, XXXX, I filed a dispute with Equifax for all of the errors in my report to which they claim to have " verified '' all the erroneous accounts as being mine. In addition to this they did not complete their investigation until XXXX XXXX, XXXX, 31 days after I filed my dispute. On XXXX XXXX, XXXX, I contacted Equifax and requested their " Method of Verification '' that is statutorily required. They not only did not know what I was talking about, after several transfers to mangers and supervisors, they flat out refused to provide the documentation, as required under federal statue, to me.
Complaint sub-issue: Account information incorrect

In XXXX of 2020, I contacted XXXX XXXX XXXX to let them know that they erroneously reported a late payment on a loan held by my son, XXXX XXXX, on my report. Not only was the payment on time, but an additional principal payment had been made that month. The late payment was only reported to my equifax report, causing an 80 point difference on my equifax report from the other two agencies. I spoke with various employees such as XXXX XXXX and XXXX XXXX. XXXX XXXX told me that he would get the correction taken care of but has never answered another call or email again. After two years of waiting and a letter from my lawyer, a correction still has not been made. This is now causing me to get higher rates quoted on other loans that I have applied on.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : Equifax is unlawfully breaking FCRA by not removing a collection off my account that I have disputed with them many times and I have asked for them to provide me evidence from this collection agency. The account is XXXX XXXX XXXX XXXX  # XXXX Equifax has failed to provide me evidence and in return come with verified without showing me evidence or telling me how they verified it. XXXX has removed this collection off my credit report. Please remove this collection off my credit report that I do not own or else I will have to file a lawsuit. Thank you in advance.