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

All three Credit bureaus are reporting inaccurate information on my credit file. I have submitted physical letters to them and they simply ignore my request so I am forced to file this complaint to the CFPB and will be filing a complaint with the state attorney generals office if this does not get resolved. 

The following accounts are being reported and are not validated or verified per the FCRA. I have asked for the original source document and they are refusing to comply with my request. 

1. XXXX XXXX. They are only reporting a portion of the account number XXXX this is a metro 10 compliance issue. The account can not be verified and therefore I am asking that it be removed from my credit reports. 

2. XXXX. Partial Account number of XXXX. This is a Metro 10 Compliance issue, can not verify with XXXX and XXXX has no record of this saying I was late with my payment. Update and remove the late payment status. 

3. XXXX XXXX partial account number XXXX Says it is a collection account for XXXX this has not been verified and can not be verified and therefore is a violation of the FCRA section 609 and I requesting that this be removed from my files immediately. 

4. XXXX. Has a collection of XXXX acct XXXX ( partial ) which does not allow me to verify the account. This is a Metro 10 Compliance issue. This also looks to be a health care bill and this is a VIOLATION OF MY HIPAA rights as if I ever did have services rendered to me from XXXX I would have never given them permission to report any portion of my Health Records to the bureaus. I am demanding this be removed based on Incorrect reporting, unverifiable status and a HIPAA violation. 

5. XXXX XXXX : Accounts XXXXXXX, XXXXXXX, and XXXXXXX all metro 10 compliance issues, unverifiable information, does not meet FCRA standards and once again looks to be a medical office reporting. If I did have services rendered I would have never given permission to any health facility to transfer my information to a collection company or to the bureaus. This is a HIPAA Violation and is a against the law.
Complaint sub-issue: Account status incorrect

I have disputes negative informatiom with the credit reporters about and ols account with XXXX XXXX thatwas paid off and should have been deleted from my account. The creditor had assured me plenty of times that they are not reporting this account to the credit reporters anymore and they are the ones to fix this on their system. The account was paid off and closed but it still showing as a delinquent account when it should be already deleted from my report. I have contacted experian and the other credit report companies, and disputed this information, but it still showing on my account affecting everything that I can potentially do with my credit.
Complaint sub-issue: Attempted to collect wrong amount

i sent letter of discovery to ic systems ( debtor ;  XXXX  which i have not used in years  ) (  first reported  XXXX  ) to verify debt, and have had no response &amp; gt ; 30 days.I requested copy of original agreement with my signiture, also requested copies of the original deliquency and any subsequent bills showing debt.. no contact from ic systems I filed complaint with all  XXXX    XXXX   XXXX   and   XXXX    disallowed with no information.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have ask these credit company 's to remove these accounts that was open without my consent
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXn i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to the car dealership to purchase a car and I was told they would only run my credit for XXXX  However, I did not give written authorization to any of these hard inquires below, someone must have ran my credit multiple times without my permission or written consent therefore I need these removed/deleted from my credit. I tried running disputes and sending letters and they wont remove them. They didn't provide any proof showing I gave written consent nor did the credit bureaus provide evidence of their investigation that asked for. 

Please remove/delete these Credit inquires : 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: Reporting company used your report improperly

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing my inaccuracies. 

List the accounts XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX Equifax XXXX Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX, XXXX Account XXXX XXXX Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX date XX/XX/XXXX DEPT OF ED Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX 2020
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report and i am being billed for an transaction that I'm not supposed to be. XXXX XXXX XXXX needs to send the correct bill to the correct party This is listed on my Credit Report as : {$1500.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original creditor name XXXX XXXX XXXX XXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute the mixed credit report that Equifax has caused by inaccurately reporting my credit information. On XX/XX/2020, I notified Equifax via fax of my name change due to marriage and receipt of my new name was acknowledged by an Equifax agent via telephone. 

On XX/XX/2020, XX/XX/2020,XX/XX/XXXX, XX/XX/2020, XX/XX/2020, I notified Equifax The inaccurate merging of my credit information, such as my name change from XXXX XXXX XXXX to XXXX XXXX XXXX is inaccurate because when myself or a credit lender attempts to request my credit file with your agency, we each receive the same error no data available. 

On XX/XX/2020, I requested an online credit report with XXXX  IXXXX under XXXX XXXX XXXX and my Equifax credit reported no data. 
On XX/XX/2020, I requested an online credit report with XXXX XXXX under XXXX XXXX and my entire Equifax credit reported all of my current file. 

After months of multiple calls and faxes, my Equifax credit report has reported inaccurate information on my credit report for 4 months ( XXXX - XX/XX/2020 ) from my current lender XXXX XXXX XXXX, resulting in inaccurate credit score. 

Enclosed are copies of error messages from XXXX and letters from lenders unable to access my Equifax credit file supporting my position. I have retained an attorney to provide assistance with this on-going matter.
Complaint sub-issue: Information belongs to someone else

I'm demanding a Method of Verification for the following unknown and unauthorized disputed accounts inwhich my identity has been compromised via the dark web inwhich should of been an aftermath from the Equifax data breach. So since I've previously disputed the following I was never provided with physical documentation from that investigation this is why I'm demanding the Method of Verification and if you nor your companies can not provide such then you shall remove the following : ( 1 ) XXXX XXXX XXXX {$1300.00} ( 2 ) XXXX {$2100.00} ( 3 ) XXXX {$2500.00} ( 4 ) XXXX XXXX XXXX   {$10000.00} ( 5 ) XXXX XXXX {$250.00} ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX XXXX XXXX   {$800.00}
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2022 I requested a refund of all payments made to my student loans from Mohela in accordance with the CARES act. I have received 2 loan refunds in the amount of XXXX, but I am missing two payments for over XXXX that were made to XXXX. XXXX is no longer servicing the loans. I have since called XXXX, XXXX, XXXX, XXXX. XXXX XXXX I attempted to call and could not get in contact with a representative. It has been close to 5 months without resolution.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Complaint sub-issue: Investigation took too long

I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.
Complaint sub-issue: Information belongs to someone else

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

DEPTEDXXXX XXXX {$9300.00} DEPTEDXXXX  XXXX {$3600.00} XXXX XXXX  XXXX {$500.00} XXXX   XXXX {$430.00} DEPTEDXXXX   XXXX {$9500.00} US DEPT ED XXXX {$6000.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$10000.00}
Complaint sub-issue: Debt was paid

XXXX  ended XX/XX/XXXX, all final payments were handled. On XX/XX/XXXX I was contacted by Tesla saying I owed ADDITIONAL funds for excessive wear and tear. This is not my debt, additionally the statute of limitations for California ( 4 years ) has been exceeded.
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/XXXX and XX/XX/XXXX I CONTACTED Equifax, XXXX, & XXXX in regards to 3 charges on all 3 of my credit report that needs to be removed. ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, & XXXX/XXXX XXXX, ). They need to be removed because ( original creditor sold my debt to a collection agency/ other company, they also wrote off my dedt on their taxes which wrote off my obligation to pay. Contract was cancelled and voided. NO CONTRACT. Also the same creditor is listed twice. The credit report agency do not make any changes or any answer to my credit reports. The company 's are still trying to collect, also entering negative on my credit report. Please help. Sincerely
Complaint sub-issue: Didn't receive notice of right to dispute

I recently applied for a mortgage loan and was denied due to a recent collection on my account. I pulled my credit report to find a new collection was added from a company called Jefferson Capital System. This debt is showing as opened XX/XX/XXXX for the amount of {$13000.00}. The original creditor is listed as " XXXX XXXX XXXX '' the loan from XXXX XXXX XXXX was from XXXX and has had no activity on the account for atleast 8 yrs. This debt was illegally reaged and is harming my credit. It has aided in the denial of our home approval. This issue has caused unnecessary stress in this difficult time we are already in.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2021, I was charged {$270.00} from XXXX XXXX to my Citibank issued credit card. I immediately contacted Citi on or near the XXXX as soon as the transaction posted to report this as fraud. I spoke to an offshore rep on this date who marked the transaction as fraudulent, closed the account number and requested a new card be sent to my address. 

I received and activated the new card without any issues. On XX/XX/XXXX, I received a letter via regular mail from Citibank advising me that they had attempted to obtain information from me regarding this charge, and did not receive a response and that I was liable for the fraudulent charges. This is where a very frustrating loop of phone calls with Citibank began. 

I immediately contacted them inquiring in regards to the letter. They advised me that they tried to call me ( I received no calls ) and that my phone number was disconnected. It is not, it is the same number on file with my account. I spent nearly an hour on the phone with Citibank and was sent multiple times from representative to representative. Yes, I have done business with XXXX before, but not on this card. No, I do not know the passenger who attempted to purchase an airline ticket. After nearly an hour, I was finally transferred to a representative in the United States. She apologized, informed me of the process, and the call disconnected. 

I spent another hour on the phone on XX/XX/XXXX attempting to resolve this fraudulent charge. After another frustrating round of questions with a hard to understand agent, I requested to close my account. After a decade of no issues and millions of dollars in charges to my account I have closed my account because of this frustrating experience. 

To date, I have not resolved the charges on my now closed account. I am requesting assistance in once and for all removing these charges and closing my account permanently.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter to Equifax in XXXX 2019 asking for evidence of how accounts were being verified on my account. I never received this information only the echoed words of the creditors. I understand that the accurate reporting of accounts on my credit report is not only the responsibility of the creditors but it is also the responsibility of the consumer reporting agencies. I also have a recorded phone call of an Equifax representative openly admitting that the verification process is simply a digital yes or no response from the creditors. There are no additional steps taken to ensure the creditors are providing accurate information to the consumer reporting agencies. The FCRA states:(b) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report itshall follow reasonable procedures to assure maximum possible accuracy of theinformation concerning the individual about whom the report relates.Equifax has not provided resonable procedures to assure maximum possible accuracy of the information concerning my report as they are only requiring creditors to relay their own responses without the requirement of evidence to support their responses.
Complaint sub-issue: Their investigation did not fix an error on your report

All 3 credit bureaus XXXX, Equifax, and XXXX  will not remove the below account from my credit report. A payment and settlement was made in XX/XX/2020. The creditor agreed to remove/delete from my credit report upon receiving payment. To date that still has not been done. The credit bureaus are reporting a payment made but are still reporting it. This should be removed from all three reports. The creditor/collector has not stood behind their word of deleting from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX USA ( XXXX ) XXXX
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

They tried too collect and defame my private consumer report not for public inspection WHERE IS THEIR BOND TO COLLECT IN MY STATE PURSUANT TO 392.101 along with the contract with my blue in signature and or electronic signature, I am in honor and if the can provide a contract and a bond we can do business they have the account revolving and closed account a clear illegal violation of the law
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX has falsely reported a credit card account from XXXX XXXX as open in the amount of {$310.00}. XXXX XXXX is no longer extending credit and the account is closed. 


XXXX. XXXX  violated FDCPA 15 U.S.C. 1692e ( XXXX ) ( A ) by falsely reporting the legal status of the account as XXXX to Equifax, XXXX and XXXX consumer reporting agencys as defined by 15 U.S.C. 1681a ( F ). 

54. Defendant violated FDCPA 15 U.S.C. 1692e ( XXXX ) ( A ) by falsely characterizing the account status as " XXXX to Equifax, XXXX and XXXX consumer reporting agencys as defined by 15 U.S.C. 1681a ( F ).
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my dispute section 611 ( a ), it is plainly state that a failure to investigate theses items Within 30days gives a reason to immediately remove those items from my credit report its been over 60days So they should be deleted promptly I demand theses accounts be deleted immediately or I will file a litigation due to the stress you caused me.my information was also impacted by the equifax data breach and my have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX was contacted to remove an unauthorized that they are reporting on my credit report i have advised them that my information is being used without my promission an i would like the account removed i spoke wit XXXX ID # XXXX i was advised if i supply my identity theft report, then the account would be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation. I am a XXXX XXXX recently engaged and trying to purchase my first home with my soon to be wife.