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

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Their investigation did not fix an error on your report

I tried to have a have a collection company removed from my credit report which I am not responsible for this debt.
Complaint sub-issue: Reporting company used your report improperly

Equifax had a data breach, and waited months before making consumers aware of it. They created a bogus site to see if you were affected that is n't even on one of Equifax 's subdomains, and tried to sneak in a non-arbitration clause when signing up for their 90-day credit monitoring.
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/2021, I SENT IN A LETTER DISPUTING ERRORS I HAVE FOUND ON MY CONSUMER CREDIT REPORT. TODAY IS XX/XX/XXXX AND I HAVE YET TO RECEIVE RESULTS OF AN INVESTIGATION OR ANY RESPONSE FOR THAT MATTER INFORMING ME IN ANY WAY. AS STATED IN MY LETTER, AFTER RECEIVING A COPY OF MY CONSUMER CREDIT REPORT I HAVE FOUND SEVEN ( 7 ) ERRORS THAT NEED TO BE INVESTIGATED AND REMOVED. NOT ONLY HAVE I BEEN PATIENT BUT I HAVE PROVIDED SUFFICIENT TIME FOR THIS COMPANY TO COMPLY WITH FEDERAL LAW AND THEY HAVE FAILED TO DO SO ACCORDINGLY OR AT ALL.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX XXXX XXXX, TX XXXX Also, On XX/XX/XXXX XXXX XXXX, FL XXXX On XX/XX/XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX, XXXX ( no information given on credit report ) On XX/XX/XXXX Conn Credit Corp. pulled my credit.

I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Complaint sub-issue: Account information incorrect

This is EXTREMLY Old, and incorrect information. The orignal company I BELEIVE was XXXX XXXX. Which when I left that company it was in XXXX I beleive. Why on earth they are reporting this in XXXX is beyond me. I do not acknowledge owing them this debt as my bill was paid in full when I moved and all equipment was returned in perfect condition to them at the time I cancelled the service. So I can not imagine what it is even for. I have contacted the company by phone and been given the run around and never gotton any resolution at all. I have written letters and never gotton any responce. It is past time for this to be removed from my credit if they can not even be bothered to respond to inquiries about it and I think the limit for it to be on my credit at all is up at any rate. 

ENHANCED RECOVERY COMPAN Reported :XX/XX/XXXX OpenedXX/XX/XXXX ( 1 yr, 3 mos ) ( this was most DEFINATELY NOT opened in XXXX ) Account status Open Type Collection Account Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX Closed No Info
Complaint sub-issue: Information belongs to someone else

I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )
Complaint sub-issue: Account information incorrect

My Equifax credit report reflects    XXXX    different  XXXX  accounts with  XXXX  different balances. I have repeatedly requested a copy of any signed agreement between myself and   XXXX   XXXX    Neither Equifax or   XXXX   are able to produce any such agreement establishing the accoun t. Even though no contract or agreement exists, Equifax refuses to remove the fraudulent information from my account. My application to refinance my home has repeatedly been denied due to this fraudulent information. as a result, the home has been foreclosed on. I have lost my home due to Equifax and   XXXX    XXXX   fraudulent information.
Complaint sub-issue: Debt is not yours

I C System has placed a collection on my credit profiles claiming that I owe {$230.00} to XXXX XXXX. I've NEVER had services with XXXX  before as I've used XXXX or other services under the XXXX XXXX XXXX. I'm not sure how they tied my name with this erroneous debt! I've contacted this company twice by mail ( in which I have the USPS tracking number as proof of delivery ) and three times by phone. They have yet to resolve this issue. They have yet to verify with my signature or any other means because they can't.
Complaint sub-issue: Personal information incorrect

EQUIFAX CREDIT REPORT HAS INCORRECT ADDRESS INFORMATION. 

THEY HAVE ALLOWED A CHANGE TO MY ADDRESS INFORMATION WITHOUT NOTIFYING ME. 

XXXX AND XXXX BOTH HAVE MY ADDRESS INFORMATION CORRECT. 

EQUIFAX HAS REVERSED MY CURRENT ADDRESS WITH A PREVIOUS ADDRESS. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX IN XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX IN XXXX. 

THEY DO NOT HAVE THESE ADDRESS REPORTING CORRECTLY. THEY ARE REPORTING THE XXXX IN ADDRESS AS PREVIOUS AND THE NEW XXXX ADDRESS AS CURRENT. THIS IS WRONG. 

PLEASE HELP
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve 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 accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
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 demanding to be deleted immediately : 1 FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
13 FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Application denied

I had applied for a Citibank Costco credit card online on the same day I applied for other credit cards. All other credit cards were approved however Citibank denied the credit card because there were too many inquiries on my credit report. I explained this to Citibank and said that this reason was never mentioned anywhere at the time of my application that if there are multiple inquiries on the same day the card would be rejected even when the credit score is very good. This is misleading the applicant and also negatively impacting their credit record. Citibank should clearly indicate in their application process and not just say that it will be determined after the the credit score. This is not a transparent process and absolutely impacts the customer negatively.
Complaint sub-issue: Debt was result of identity theft

on XX/XX/2017 medical collection is showing on my Equifax it is not my bill and obtained by fraud a derogatory remark was filed on my report I have previously contacted this company with no avail to remove it, there are two amounts in the amount of {$140.00} and XXXX XXXX  and XXXX  already remove it from there consumer report per FCRA Equifax has to remove it too.
Complaint sub-issue: Information belongs to someone else

I'm in the market for a home and my realtor ask me how's my credit i was thinking it was pretty good until i actually checked it. Upon checking my credit report i saw a couple of items that are not mine. I need these items removed from my credit report XXXX, XXXX, XXXX XXXX, XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX  the verbiage on the XXXX XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) The current explanation is as follows : XXXX XXXX Account Foreclosure, etc. This language is inaccurate. This account was sold, NOT foreclosed. It is extremely important that the language being conveyed is accurate. This incorrect reporting is harming my credit score and I respectfully request that this language be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , WV XXXX, XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX , XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Information belongs to someone else

I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX  XXXX  XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from please remove them as well 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 OF 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 I have reached out to FTC and my local police department and I am doing this on my own behalf.
Complaint sub-issue: Investigation took more than 30 days

I filed an disputue off my credit report reguardsing the incorrect information on my credit report. it has been well over 30 days and i havent got any investigation results.
Complaint sub-issue: Investigation took more than 30 days

I sent the credit reporting agencies letters notifying them that they are in Violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations and Violation of 15 USC 1666b. This is a billing error. I always paid as agreed on time. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Account information incorrect

The three credit bureaus are reporting seven credit cards in negative status. The negative status is because of charge off. I made agreements with my credit cards to settle the accounts for a lower price and this agreement was turned into an attack to destroy my credit. The biggest issue : this negative reporting is posted in the year XX/XX/XXXX. This is a LIE!!! I was in the hospital in the year XX/XX/XXXX and lived in a shelter in the year XX/XX/XXXX. I never had any credit cards open during this time. These credit bureaus know that they are attacking people. These credit bureaus know that they are falsifying credit information. These credit bureaus know that LIEING that my credit cards became delinquent in the year XX/XX/XXXX will prevent me from future applications of credit. The credit bureaus reported seven credit cards delinquent in the year XX/XX/XXXX. Why wait so long to report my credit cards. I never had the cards open during this time and all delinquent cards paid in full by XX/XX/XXXX. These bureaus waited until XX/XX/XXXXto report the credit cards. THIS IS EVIDENCE OF AN ATTACK!
Complaint sub-issue: Account information incorrect

I have checked my credit report and Equifax states that I have XXXX collection accounts under XXXX XXXX XXXX XXXX. When I review the accounts, the account information has been repeated therefore the same account shows twice on the credit report. I informed Equifax of the issue but they do not address the issue that the same accounts were posted twice on the credit report.
Complaint sub-issue: Public record information inaccurate

Lexis Nexis is reporting a bankruptcy in my credit file and has put the data furnisher as the, XXXX XXXX XXXX XXXX XXXX Georgia, which is false. I have included a letter, from the XXXXXXXX XXXX XXXXXXXX XXXX Georgia, that states that they DO NOT furnish such information to the credit bureaus or ANY credit reporting and monitoring agencies. Nor do they validate or verify any information concerning bankruptcies. 
Lexis Nexis is falsely reporting this information. Therefore, supplying the credit bureaus with false information and have yet to remove it from my credit file.
Complaint sub-issue: Account information incorrect

On XX/XX/2020 I applied with XXXX XXXX XXXX for a VA Home Loan, FHA Home Loan, XXXX home Loan, and a XXXX Home Loan. XXXX XXXX at ext. XXXX was the Mortgage Specialist I received email contact from and spoke with a XXXX XXXX ext. XXXX in the Client Advocacy Division, this criminal was very combative and XXXX, BOTH of these criminal refused to discuss my Option ( XXXX ) for my Earned XXXX VA Mortgage Loan, they thought the non-communication GAME would trump, Not on my Watch, I'm a Pit-Bull, I Fight Back. To-date I've Not gotten any correspondence from anyone within the XXXX XXXX XXXX, Compliance, General Counsel and the President of XXXX XXXX hasn't taken my call for the " STATUS '' of my Loan ( s ) request, VA, FHA, XXXX, and or a XXXX Home Loan  as a XXXX Veteran and XXXX Strong & Powerful Consumer Demanding a HOME Loan. I've reached out to XXXX, and I've advised XXXX of my instructions for non-delays, let me explain, just like I file 439 XXXX Congressional Inquires, I advised XXXX, that I will reach out to Congressman XXXX XXXX XXXX office and Senator XXXX XXXX XXXX office to instruct this governmental Agency, XXXX of their XXXX duties. Systemic XXXX XXXX acts will Not prevail
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I purchased an online course titled, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' from " XXXX XXXX XXXX  ''. I was charged {$530.00} and I had used my Discover credit card for the purchase. Immediately after purchasing, I had watched the first four " lectures '' and I immediately felt misled. Each of the so-called " lectures '' was only two to four minutes in duration. After finishing the fourth video and feeling disappointed, I scrolled through the list of lectures and found that the short videos were a common theme within the " course ''. I then emailed the support email, XXXX, about requesting a refund and I immediately received an automated email. The automated email stated to reply to the email and a response would be given in XXXX business hours however I did just that and I never received a reply to my request. After this point, I was very frustrated and had decided to wait until Discover would let me file a chargeback. On XX/XX/XXXX, I had filed a chargeback with Discover essentially stating that I had been purposely misled and that the advertising and descriptions surrounding the course were mostly false advertising. On XX/XX/XXXX, I received a message from Discover stating that they had ruled against me because the merchant was able to provide a receipt of my purchase. This had nothing to do with my original complaint and the false advertising issue was never addressed. In addition to this, after being notified that I had lost the dispute, I logged into the website that provides the courses and realized that my access to the course that I paid for had been revoked. Not only did I lose the dispute and the money, but I also lost my access to the service.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is still reporting my XXXX XXXX  account incorrectly I have recieved letters from XXXX   XXXX XXXX  stating I was not late in XXXX and that my current balance is XXXX and for some reason equifax keep trying to put my balance higher and still have not removed the late payment for XXXX ... I would like this corrected immediately on my credit report on equifax .... I have made two payments since XX/XX/2020 and it still says last payment XX/XX/2020 XX/XX/2020
Complaint sub-issue: Debt was result of identity theft

This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Re-investigate the information shown in this account or delete this account information from my credit report, because I believe it may be inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, XXXX Bureau of Consumer Protection Federal Trade Commission XXXX XXXX  XXXX, XXXX XXXX DC XXXX RE : FAILURE TO INVESTIGATE PROPERLY To Whom It May Concern : On XXXX XXXX, XXXX, I filed an online dispute with Equifax after reviewing my credit file only to find a number of inquiries that were bogus. Equifax clearly did not follow the law and properly investigate the inquiries because they completed the investigation in the same day ( please review the documents enclosed ). There are inquires I did not make, some that are more than 2 years old ( should be removed ) as well as duplicate  bogus inquires. Equifax has not followed the stipulations of the law. Attached you will see a copy of my dispute information where dispute number XXXX was completed on XXXX XXXX, XXXX yet you can see in the attachment title ( disputes filed ) that, that was also the same day that I submitted the dispute. After viewing that item I request that you view the XXXX, there you will see duplicate inquiries from XXXX XXXX that ARE NOT MINE, Multiple XXXX XXXXXXXX Inquires within days, ARE NOT MINE. XXXX XXXX XXXX is 2 years old should have been removed, XXXX XXXX XXXX I have never granted them permission to access my credit file. XXXX XXXX XXXX is also not MINE, I have not given them permission to view or pull my credit file. Is it true may suffer damages because of Equifax lack of response and improper investigation. Please require them to remove this bogus, duplicate and old information. If you have any questions or need additional information, please contact me at the address noted below. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Complaint sub-issue: Account information incorrect

I sent a dispute straight to XXXX  ( XXXX XXXX XXXX XXXX about late payments they were reporting on XXXX. I sent multiple disputes to the bureaus XXXX, XX/XX/21. I can not get a response from XXXX  via mail. i can not access their online account. i get notice that they sent me an account message that says they will complete my dispute within 24 hours then nothing. Everytime i send over a dispute, they update the information instead of deleting and they have had more than 10 errors in the reporting. I made payments for the months it shows late. They have late payments showing all 3 bureaus at different times. They show in balance history payment being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but then reported i was 120 days late in XX/XX/XXXX with equifax and XXXX and 180 days late at that point with XXXX.
Complaint sub-issue: Told you not to respond to a lawsuit they filed against you

Hewitt Capital XXXX is calling family members of mine impersonating a mail delivery service claiming they have a package for me and need the address to my home and place of work. Not once did they indicate the actual name of their company and the true meaning of their call. Number for them is XXXX. I discovered my reading online they have many complaints against them using same tactic.