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

I disputed a few items that I had in my collections and I saw several inaccuracies. So I sent the credit bureaus letters for them to delete the incorrect information from my credit report. They opened an investigation and determined that everything is accurate and they changed the last date of activity to a further date which extends the statute of limitation time clock. So now I'm even worse off than before and I've been attempting to dispute for this same reason, but they open the investigation and continue to do the same thing. To the point that I literally had nowhere to turn.
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$520.00} XXXX  XXXX {$100.00} XXXX  XXXX {$59.00} XXXX  XXXX {$61.00}
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX, XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX
Complaint sub-issue: Trouble with how payments are being handled

Trellis Company, formerly known as Texas Guaranteed, contacted my employer on XX/XX/XXXX with a garnish order for unpaid student loans. This issue is the error of the Trellis Company. For every semester a student takes a loan, the company has it in their system as a separate account. I send one check a month and the company splits the payment between five accounts. 11 months ago, they started splitting it between four accounts and left one unpaid without notifying me. My credit is ruined and they are going to garnish my wages for 15 % of my income. When the error was pointed out to them, they sent me an email on XX/XX/XXXX acknowledging their mistake but said it would take 30 to 90 days to process the paperwork in order to stop the garnish. This is unacceptable. No one with the company will give me a last name or employee ID number. 

Address of Trellis : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone Number of Trellis : XXXX Email of Trellis : XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( 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.

15 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: Their investigation did not fix an error on your report

The following account has misrepresented my credit file and worthiness for years now. However, it was rightfully removed in XXXX, but reappeared in XXXX without warning as promised by the FCRA. Dates and amount unconfirmed. Never received any physical documentation as previously and many times over requested. This account has been paid ( 1099 c ) meaning there's no debt owed. Nor has my request for the Method of Verification into this matter been met. Keeping in mind as a general rule electronic Verification can not be suffice in such manner. Please remove and permanently block this over aged unauthorized account ( XXXX XXXX ) from my credit file immediately. Your cooperation is appreciated.

1. XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

three student loans ( dept of edu XXXX ) and one ( XXXX XXXX XXXX ) are reporting under my equifax credit reporting agency, these are inaccurate and fraud accounts, please find attached my police report that i have inquired for being a victim of ID theft, these are not my accounts, please have equifax remove these inaccuracies since i have been disputing with them for the longest time, then these were removed and placed back after three or four months, they aren't even sure what they are doing, i have called so many times they know me already, but no one can solve my problem please you are my last hope since you are the voice of consumer thank you for your cooperation
Complaint sub-issue: Information belongs to someone else

Someone got my information and opened up lots of accounts in my name.XXXX, XXXX, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

In XXXX of XXXX, I had a billing dispute with XXXX XXXX. As a result, XXXX XXXX stated I owed XXXX dollars. I disagreed and grieved the bill through XXXX XXXX. I never heard back from XXXX XXXX. Yesterday, XXXX/XXXX/XXXX I applied for a 30 year fixed mortgage. I wa advised that my credit that was over XXXX points last year was now XXXX. This adversely increased what my mortgage rate would have been if XXXX XXXX or the collection company had allowed me the opportunity to grieve or respolve the dispute. As a Result, I was forced to pay a bill in hopes the adverse bill could be reversed. This is extortion. I requested notification and records of the notifications of this outstanding bill that neither XXXX XXXX nor the collection company would nor could produce. I repeat, I was never notified that my credit was going to be adversely affected by XXXX XXXX nor the collection agency. After I paid a bill I was never notified about, the collection agency stated I would have to call XXXX XXXX to have this blemish removed from my credit, when I called XXXX XXXX, they stated I needed to call the collection agency. Someone needs to be accountable for this bully tactic. I am available for further comment or information if necessary.
Complaint sub-issue: Was not notified of investigation status or results

ILLEGAL REPORTING. 

Equifax Report : XXXX XXXX Collection {$2300.00} XXXX  Report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$2300.00} XXXX Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$2300.00} I initially disputed the debt and requested validation of a debt becuase I know that the debt should not be on credit report, yet it keeps being reported. Despite sending them multiple letters, plus proof from the court that this is not a valid debt they are reporting, theyc ontinue to report it and refuse to pull this account off my credit report. 

I am now escalating this complaint higher because they are continuing to allow illegal reporting of a debt that the courts have determined is not valid. 

I am not responsible for the account/collection that is showing up on my credit report. I have never done business with this company. They lied and said I had. Then they sued me and didn't show up to court. I showed up. The judge ruled in my favor because of this. 

I have repeatedly asked them to delete this account immediately, as keeping this there violates my rights and allows this company to post and claim I owe them money when I do not. This is a problem because the credit bureaus are assisting them with violating the law by not removing this faulty debt that does not belong to me.
Complaint sub-issue: Account information incorrect

XXXX is currently reporting I owe XXXX XXXX XXXX XXXX XXXX the date of last activity is XXXX. However, I do not owe XXXX this amount of money. I have disputed the debt in XXXX. I did not get a response from XXXX but XXXX and XXXX removed the account off my credit report. 

According, to the Federal Fair Credit reporting agency all three bureaus, are supposed to report accurate information. As well as, take 30 days to validate the debt or remove it. I have not received an accurate credit report from XXXX. I have not received a determination from XXXX on this XXXX credit card account. 

I contact XXXX about this credit card information XXXX XXXX XXXX XXXX XXXX, VA XXXX. They are not reporting this information was ever reported to XXXX. My goal is to build up enough evidence about the reporting of XXXX American people on how these reporting agencies target us and refuse to follow the law. I plan on suing all three credit bureaus on unfair reporting of consistent incorrect information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The negative account still showing on my report, you have failed to removed and delete the items that I have disputed.
Complaint sub-issue: Debt is not yours

I received a letter dated  XXXX   XXXX ,   XXXX   and attempted to collect {$110.00} which I do not owe.     I have already paid {$59.00} for  XXXX  sessions and the company is trying to rip me off by charging me {$110.00} for the service they never provided.     I have mailed in cancellation notice to   XXXX   XXXX  s on  XXXX   XXXX ,   XXXX   so they are not authorized to charge me the service that I never agreed and they also never provided the service for the amount they are trying to collect.     I belive this is a fraulent billing tactics after I cancelled the membership.
Complaint sub-issue: Deposits and withdrawals

My XXXX year old XXXX 's account is blocked by Citibank since XX/XX/2018. More than one week with no access to funds. We have been to the Citibank branch twice and complied with all requests. They can not explain why the account is blocked.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX SC XXXX XXXX Opened date XX/XX/XXXX last activity XX/XX/XXXX account # XXXX collection/charge-off in the amount of {$1100.00} has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15U.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: Credit card company isn't resolving a dispute about a purchase on your statement

My complaint is in regards to my Citi Double Cash card, the charge in question was for XXXX, paid to XXXX XXXX XXXX, on XX/XX/2019. I purchased a pony for my daughter to take riding lessons on, and for XXXX from this merchant. THey promised me a healthy, child safe pony, fit to be a lessons horse, they demanded payment in full before delivering the pony, and I trusted them, so I paid them. They brought a dying, sick, underweight pony that had XXXX!! They refused to refund me the money they had taken from me, and, they refuse to come back and pick up the sick pony. I disputed the charge with Citi baki, I provided all the text messages from the merchant and my XXXX in vets bills showing that they lied and scammed me using deceptive business practices and misrepresenting the pony that they sold me. Citi bank took the merchants word over mine, even though I had proof, and decided to let the merchant keep the XXXX!! This is fraud and theft, and, Citibank did not properly handle this dispute and failed to protect me as their consumer client. I have already spent XXXX vet bills just to make this poor horse comfortable while she dies. I did not receive the child safe, healthy, rideable pony I paid for.
Complaint sub-issue: Problem getting my free annual report

My wife and I applied to Equifax for our free annual credit report, the last XXXX received was on XXXX XXXX, 2014. In both cases, we were told ( online ) that we could not receive the report online but would have to submit voluminous information by mail to receive the reports. This has happened many time in prior years, only from Equifax , never from XXXX. I have not tried to contact Equifax by phone because, from prior experience, it 's is very difficult to get anyone at their organization to expedite a correction to their policies.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had identity theft and this company was listed on my credit report and they refuse to remove it. The balance now is {$3200.00} and its reporting on my XXXX credit report and has been showing since 2019. I filed a police report with the XXXX Police Department The company name is XXXX XXXX XXXX GreenSky acct # XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Don't agree with the fees charged

I own Sallie mae about {$3100.00}. So I made 2 month payment to be ahead of the time. So I check student loan account and my payment is due in 2 week. Well they took my 2nd month payment to cover ridiculous huge fee and b.s stuffs. I paid 2 month! I was told that my monthly payment is XXXX or XXXX and now its XXXX. I don't know where the heck that number come from. I try to contact them few time and they just keep hanging up on me. also they are ruining my credit score! Thanks a lot Sallie Mae for stealing my education money.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, I'm not sure what's going on but I was told that this charge off account from XXXX XXXX XXXX XXXX through XXXX ending XXXX would be removed from my credit. I'm not sure why you keep saying that you already investigated this account as accurate and remains, because it continues to report incomplete, inconsistent, wrong balance, and it's completely unverifiable. I paid off this account almost 30-45 days ago and my credit report shows 3 different balances, inconsistent payment, etc. This is not correct and I want this account DELETED from my credit as promised and due to violations of reporting. Again, as shown in the attachments, the account has been paid 60 days ago.  What's the hold-up? I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to immediate deletions.
Complaint sub-issue: Contacted employer after asked not to

My job was contacted multiple times by people who never have company or personal contact information, but told whoever was on the phone that I was being taken to court and that people were coming to my place of employment to supena me. They never verified who they were talking to, on either occasion.
Complaint sub-issue: Account information incorrect

ERC COLLECTION AGENCY POPULATED FOR {$75.00} on credit report. 

They never sent me a letter. 

Their calls are recorded and two different reps admitted no letter sent. 

They transferred me to someone else who all of a sudden said they mailed a letter. 

No letter ever mailed/received and it is on my credit report. I was not allowed under the FDCPA to receive a letter and have my right under that law to dispute. 

This debtor is unknown to me, I dont have any established accounts with them, they are rude, abrasive on the phone and have violated my consumer rights I want this removed from my credit report immediately. 

Thank you
Complaint sub-issue: Account status incorrect

I have open an account with Conn 's and has set up auto payment. The account has been paid for and I chat with Conn 's customer service on XX/XX/2020. He assured me that it was wrong and has submit for closed account and all negative make on my credit report will be delete. However it still showed that my account is open and I am late on payment. I called again on XX/XX/2020 and got my case to escalate to revolved and provided me with ticket number. The representative said someone will call me back within 5 days to resolve the problem. Still no called and my credit report showed that I was 90 days late on account.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt is not yours

So Equifax wants to close my complaint because they lied. EVERYONE HAS A FICO SCORE. The bureaus don't want to delete all those negative items removed from my account. How you close my complaint when EVERYONE has a FICO SCORE. You have my information and you font want to fix the issue. By law you have to delete due to lack of communication in a 8 month period. Please delete those negative items. You have my address I just got a letter from you. So Equifax lied I have proof they have my correct information. Please advise and delete every negative items. You can contact me directly if you like i have the proof here..
Complaint sub-issue: Deposits and withdrawals

I opened a citi savings account on XX/XX/22 and transfer {$24000.00} from my own salary accounts to Citibank savings account via ACH transaction. Suddenly, Citi closed account on XX/XX/22. Citi held all funds. Customer service would not tell me why. They kept saying that I had to wait for a letter, which had a reference code. I really don't care if citi wants to close my account. But in the meantime, I have NO ACCESS to my money. I have already been waiting for a month- and citi still just keeps telling me " 30 to 60 days ''. This is ridiculous that I am unable to access my own savings. I had considerable amount saved there. I talked to at least a few different fraud analyst and they have a standard script to repeat every time. NO ONE at citi will tell me if my account is still being " reviewed ''. If, or when, my account will be closed.

NO ONE at citi will tell me when their so-called " 30 to 60 day '' timeframe starts or ends. This is an open-ended, non-defined, ongoing timeframe.

NO ONE at citi will tell me by what date I will be receiving a check for my balance - or the amount it will be.

I am running out of money that I had in my savings account and I need my money. I don't know what to do at this point.
Complaint sub-issue: No notice of investigation status/result

Call the let them know this was a mistake and i have turn in the equipment ans send prof and the refuse to respond Still saying i did not i sent them and dish even i send them prof of me getting charge
Complaint sub-issue: Debt is not mine

i recently checked my credit report and noticed that this company has reported that I owe them a debt but to my knowledge I have never receive any notification that I owe this company. I have never entered into a contract with this company and neither have they provided me with any service or goods
Complaint sub-issue: Other problem getting your report or credit score

Denied credit within the last 60 days, I am retired, I am entitled to a mailed report. Therefore, mail my report.
Complaint sub-issue: Debt is not yours

americollect inc is trying to collect on a debt that is not mine.
Complaint sub-issue: Information belongs to someone else

I have asked for items to be removed from my credit report that have not been verified as being mine. They have not been able to show proof of any original contracts with my signature or proof of late payments.
Complaint sub-issue: Reporting company used your report improperly

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.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX, LA XXXX Inquiries : XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have disputed all of these unauthorized inquiries with all three credit bureaus. 

XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX  XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX   XX/XX/XXXX Finance
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, I became aware of the possibility that my personal financial information had been stolen due to a large and successful hacking attempt against Equifax. In using their online tool, I was able to verify that I am among those affected. 

Equifax 's poor security was part of the problem, and it is necessary for CFPB and other involved agencies to act to ensure that consumers are protected, and that this does not occur in the future.