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

My Equifax credit report is a disaster ; aside from making me jump through every hoop possible to dispute inaccurate information, they do nothing with documentation I submitted which came directly from the creditor for updates. Secondly, they have the same tradeline reporting multiple times reporting different outcomes, I keep sending them my FTC Fraud affidavit, and they do nothing. The straw that broke the camel 's back was them sending me a credit report update document telling me that the 20 plus fraud requests for my credit have been removed, which of course, they have not. I am not sure how that is even legal. Equifax tells me, oops, and we made a mistake. Lastly, they arbitrarily decide when they are going to allow a dispute and when not. There is no rhythm or reason to how this company operates ; however, they are having detrimental consequences on my credit score and reputation and making life as unpleasant as possible. I have paid to monitor with this company, and still, I get no help. Please, for the love of XXXX do something because, at this rate, my only recourse is to file a lawsuit against them for damages and demand that they correct my credit file.
Complaint sub-issue: Information belongs to someone else

I have fraudulent accounts reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report and proof of Light Bill. Please remove negative accounts and personal information on the fraud report! 


In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT AND THIS IS BEING REPORTED ON MY CREDIT, IT NEEDS TO BE REMOVED, THEY ARE RUINING MY CREDIT OVER SOMEONE ELSES CARD XXXX XXXX XXXX Account number XXXX Amount past due {$480.00} Status Late 120 Days Type Miscellaneous Banks Creditor Address XXXX XXXX XXXX XXXX, XXXX XXXX, SD, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX paid off a vehicle lease several years ago. However, the loan company XXXX still has me reported with a balance of {$350.00}. That is not possible if this same company shows the lease status as a full termination. I have protested this reporting with Equifax and the matter was not sufficiently completed with a proper reinvestigation. Accordingly, I believe the matter should get resolved, whereas the balance should show as XXXX. This correction is necessary to fulfill the obligation of XXXX with Equifax under their subscriber agreement with the credit reporting agencies in general. This credit item needs to be corrected immediately.
Complaint sub-issue: Debt is not yours

On XX/XX/2020 AMERICOLLECT, added a derogatory remark to my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, AMERICOLLECT has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Complaint sub-issue: Debt is not yours

On XXXX XXXX I received a collection notification from Enhanced Recovery Center in regards to doing business with XXXX the amount of {$1200.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. FCRA 804 prohibits this company from communication through interstate commerce ( 2 ) not state that such consumer owes any debt ; this is a direct violation under this sub chapter. It clearly states in the Fair Debt Collections Practice Act ( FDCPA ) section 807 ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. I, the consumer gave security interest in principal balance which means the security interest was provided for the individual to secure the obligation. It is according to the provisions and sub chapters of 15 USC 1692d ( 4 ) ( 1 ) to collect or attempt to collect any extension of credit. 15 USC 6802 obligations with respect to disclosure of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX Please investigate this account and remove if theres anything missing
Complaint sub-issue: Information is not mine

There is a recent new address on my report : XXXX XXXX XXXX XXXX XXXX, XXXX SC, XXXX Also, there is a XXXX credit card that was opened in XXXX and not used since XXXX. That was closed and it is still showing open.
Complaint sub-issue: Public record information inaccurate

I reached out to all three credit bureaus on XX/XX/2022 and again on XX/XX/2022 to investigate errors on my credit report. These errors include the reporting of a bankruptcy XXXX  XXXX. They failed to respond as well as remove this inaccurate information as stated under 15 U.S.C. Sec.1681i ( a ).
Complaint sub-issue: Unable to open an account

I have received several emails ( including but not limited to ones received on XX/XX/2022 and XX/XX/2022 ) from Citi directed to me, as a holder of their XXXX XXXX co-branded credit card, an offer to open a " Citi XXXX XXXX XXXX Account '' and receive targeted opening bonus as well as enhanced features on the Card as part of having the saving account. I have tried several times to open the account online and had been met with a nondescript error message to suggest to me to try again later. I have sought help through their online tech support that did not fix the issue so I gave up. 

Upon receiving another email on XX/XX/2022, I tried again to take advantage of the offer and called the number provided on XX/XX/2022. It was a 40 minute phone call where I provided everything necessary to open the account and at the very end I was told by the Citi sales associate that they could not get the offer to apply in some sort of technical error. Upon a second attempt, they informed me that they can not proceed with the account application. I requested to escalate the call to get further support and was told that was not an option. I believe it is a deceptive and unfair practice to repeated market an financial product to a client and then being unable to fulfill such offer. 

This has consumer several hours of my time in totality, and in the meantime I have set aside significant funds in my checking account ( not earning any interest ) readying to fund the savings account to take advantage of the offer.
Complaint sub-issue: Debt is not yours

I have provided two written notices of dispute with Americollect. I have requested validation of the debt and this company has only provided a copy of charges. In have only disputed XXXX debt of {$61.00}, {$61.00} and {$120.00}. All three of these alleged debts show on my consumer credit report multiple times for the alleged accounts. The alleged debt for {$120.00} shows XXXX ( XXXX ) times for XXXX account. I have not been provided any documentation with my name, signature, or idenification to validate this debt. These debt are not mine and this company has not completed the proper investigation,
Complaint sub-issue: Personal information incorrect

I have been reviewing my consumer report on a daily basis along with noticing the inaccuracy of my consumer report in the personal info section of the report. I called on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of the reporting agencies speaking about how I have a right to privacy as a consumer to have the personal information removed when I was denied assistance and my consumer rights were violated. Also this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Banking errors

It was in XXXX when I had a duplicate transaction hit my account. I contacted the merchant and they confirmed they only ran my card once, even though the transaction amount was removed from my balance twice. When contacting Citi Bank the representative said that they could clearly seen where I was charged twice and they would give me a provisional credit that would cancel out the debit card duplicated transaction. Well today XX/XX/2020 I contacted the bank because my available balance was showing negative - {$3.00} when I should have easily had over {$100.00} dollars still in my account. After talking to the representative they said that my dispute was canceled and the provisional credit removed. I explained to the person that the provisional credit had canceled out the duplicate transaction and if they were going to take the amount back they needed to pay the second transaction to the business that they failed to pay the first time. The representative explained that I was wrong and they were correct. 

I told them that I felt that they were committing a UDAP violation. It was not my fault that their system had created a duplicate transaction and that I did not think it was fair to take {$100.00} dollars out of my account without notice for something I honestly did not spend.
Complaint sub-issue: Charged too much interest

I had a 0 % thru XX/XX/22 in accordance with the terms of my card. I sent a payment of {$3100.00} to Elan. They returned the payment that was mailed on XX/XX/22, it returned to me XX/XX/22 alleging they do not accept cashiers check from the state of hawaii, alaska, XXXX, XXXX or XXXX XXXX or any US terrorites over {$2500.00}. I requested the charges of {$100.00} and {$86.00}. I redeposited the check into my checking account from my bank which had a stale date ; the funds will be redeposited in 5-6 days, I will be subjected to additional interests. I am asking the bank to credit me interest charges as they have not kept there original arrangements of 0 % thru XX/XX/22. I called, ask for a supervisor never got a return call, and no one has authority to fix my credit card. I want to make a payoff payment on my XXXX  with Elan.
Complaint sub-issue: Was not notified of investigation status or results

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Information belongs to someone else

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Complaint sub-issue: Card opened as result of identity theft or fraud

This is in regards to BOTH a  Total Visa  account and a   XXXX   XXXX   XXXX   account.  XXXX   XXXX  ACCOUNTS!     I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by   XXXX   and   XXXX    because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
Complaint sub-issue: Debt is not yours

Last year my email account was hacked. When i changed the password and regained control, i began recieving bills in the amount of {$160.00} from XXXX about a power XXXX ticket. I contacted XXXX XXXX and spoke to their management to inform them that the ticket doesn't belong to me, my email was hacked, and none of the information on the profile is mine. XXXX XXXX management assured me that it would be dismissed. Now some time after, True Accord is harrassing me for the same {$160.00} that i don't owe, i sent a debt verification letter and they sent me a document with the wrong name, wrong address, only proper email ; Not to mention they responded later than 30 days which would cause the debt would be deemed void ; attempting to collect a debt that isn't mine with the wrong information. I'd like the company to stop harrassing/threatening me and my credit, dismiss that fee as management said because they understood it had nothing to do with me on my part. True Accord doesnt have any documentation with my signature connecting me to any agreement from the original creditor.
Complaint sub-issue: Was not notified of investigation status or results

Hey are you guys doin?, I sent you my disputes on XX/XX/2021 but seem like your doin nothing. I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. just what the XXXX is this???? This is clearly a violation and negligence. I am keeping record of everything because if you continue to ignore my disputes I swear Im goin to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX. A negative mark because the card was closed. I gave no such permission to close a card I never knew I had in my possession.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/21 I sent a letter to lexis nexis certified mail # XXXX regarding verification and deletion of bankruptcy and inaccurate info. Lexis Nexis has reported a bankruptcy to a third party company ( consumer agency ) without my consent and is in violation of my privacy. Attached in the letter to this complaint I requested answers to a few questions and never received any response. Its been more than 30 days .... -Proof that you did not violate 15 usc 1681 ( a ) ( e ) -That this bankruptcy is verified, and since the courts did not verify, congress states that you would have to conduct an investigation with neighbors, friends or associates which I know was not done neither. -That you had consent/persmission from me to report such information with signature or written instruction 15 usc 168b ( a ) ( 2 ) -That you did not infringe upon my consumer right to privacy which is a form of identity theft 15 usc 1681 ( a ) ( 4 )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account # 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
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed Per Equifax this occurred mid-XX/XX/XXXX through XXXX of 2017 I have completed a 90-day fraud alert on my file with the 3 credit reporting agencies, but if my information is compromised the attackers could just wait.
Complaint sub-issue: Their investigation did not fix an error on your report

How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX 90 days lates. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Account information incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports :
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX XXXX : XXXX Equifax Credit Services Dispute Inquirys Dear Equifax Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 Texas XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX   XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX