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

XXXX, XXXX and Equifax attached please find complaints I have filed against two collection agencies who violated FCRA in their response to your investigations of the fraudulent accounts they, XXXX XXXX  and XXXX XXXX XXXX, placed on my credit reports on/about XX/XX/XXXX and XX/XX/XXXX respectively, which I disputed but they replied that they had verified the accounts when they had not. As such, in violation of the FCRA, XXXX XXXX AND XXXX XXXX XXXX willingly and knowingly gave false and inaccurate information in their responses to those disputes, in their responses to the disputes I filed against you and them through the CFPB and in their response to the complaints I filed specifically against them through the CFPBs website after their claiming to you that they had verified the accounts when in fact they had not nor can they because the accounts are fraud.
Complaint sub-issue: Investigation took more than 30 days

Equifax is out of line. First they cause this massive data breach and offer to give a bogus identification theft program the CEO couldnt even face congress and weeks later he stepped down with his  Millions in severance personal payments knew about the data breach and before he sold his stocks before making contacts with congress or the American People! They refuse to block items that are Fraudulently placed on my credit bureau ( Equifax being the only one not cooperating ) XXXX XXXX and XXXX have been fantastic. Equifax needs to be held to a higher standard of removing the Fraudulent Accounts. I believe this is XXXX XXXX on Equifax part and they are out of compliance.
Complaint sub-issue: Reinserted previously deleted info

equifax was correctly reporting an account-american honda fiinance from XX/XX/XXXX to around XX/XX/XXXX on their report @ XXXX this account was reported correctly as included in chapter XXXX bankruptcy, but around XX/XX/XXXX, they removed the included in bankruptcy and they started showing current late or missed payments, when i disputed the item i included a copy of the bankruptcy listing american honda finance but the result of their investgation claims that XXXX claims that they are reporting the item correctly and they informed me that it does not make any difference what i provided to them as they do not make an changes based on any documents that i provide but only in what the company reports, i have spoken to XXXX XXXX and they indicated that they are reporting correctly to all credit reporting agencies and that is " included in bankruptcy '' and they do not know why is equifax reporting something different, note that transunion and experian are reporting the item correctly as " included in bankruptcy. i asked equifax to provide the document from XXXX XXXX showing late current payments so i can provide tham to XXXX XXXX but they would not provided it. 
i am in the process of purchasing a home and score from equifax went down XXXX points in XX/XX/XXXX after they made the change to my credit file.
Complaint sub-issue: Personal information incorrect

WROTE TO EQUIFAX TO REMOVE THESE WRONG ITEMS NO HELP PLEASE HELP
Complaint sub-issue: Account status

Sent the attached letter at the same time I filed this complaint with CFPB. See Cover letter. I paid {$39.00} for this XXXX reports with various errors and outdated information. XXXX percent of the report is wrong.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX, I successfully settled with XXXX XXXX ( XXXX XXXX XXXX on all written correspondence ) for {$580.00} on a balance owed of {$830.00} ; I was sent a letter from XXXX XXXX XXXX showing that I owed a {$0.00} balance and that the debt was paid for less than the full balance. However, on my most recent credit report, pulled XX/XX/XXXX, I have a past due amount with XXXX XXXX for the remaining {$240.00}. If I have a letter stating that I have settled the account, and it is now closed, why is XXXX XXXX XXXX XXXX. still reporting the forgiven balance as past due?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I bought a pair of earrings which were never delivered, I called and filed a dispute, they said it would be resolved, never resolved, they billed me for it and charged my bank account for it, still 2 months later no resolution and no response.
Complaint sub-issue: Information belongs to someone else

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF XXXX. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT
Complaint sub-issue: Was not notified of investigation status or results

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX Account number XXXX 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: Credit inquiries on your report that you don't recognize

I have multiple inquiries that are fraudulent and I never applied with these companies I want them removed from all public consumer reports. 
I have tried multiple times and this credit reporting agency will not remove them.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX : XXXX : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/2022 US Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX ] a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 






Kind regards, XXXX XXXX Cc : CFPB Cc : FTC Cc : ATTORNEY GENERAL
Complaint sub-issue: Was not notified of investigation status or results

Hey I'm just checkin to see whats going on with my dispute? I thought I would get an answer with 45 days but I dont have no clue of whats going on, i'm XXXX XXXX SSN # XXXX let me know what's going on you can send it to the address on my id.
Complaint sub-issue: Their investigation did not fix an error on your report

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable 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 I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Complaint sub-issue: Personal information incorrect

There's so much going on with fraud and ID theft, and now that I'm paying closer attention to my report, I want to be sure it's accurate. I sent a letter to the bureau with attachments CLEARLY showing my name and address ( State ID - Social Security Card - Bill ). I don't understand why the corrections haven't been made.
Complaint sub-issue: Their investigation did not fix an error on your report

Re : Acct. XXXX XXXX XXXX XXXX report XX/XX/2016 {$580.00} Reporting from all credit bureaus. 

I have contacted XXXX XXXX XXXX, XXXX verbally since XX/XX/2016. They would not remove the acct. 
I contacted them by letter XX/XX/XXXX telling them it is a violation of the Fair Credit Reporting Act to report {$580.00} balance due to XXXX on my credit. I requested viable evidence bearing my signature that the report to be accurate. THey did not respond to my request. 

I wrote a letter to all credit bureaus disputing a false collection on my credit report XX/XX/XXXX. I requested a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. The days and times of sign in and sign out of services equaling the alleged amount claimed that I owe XXXX XXXX XXXX XXXX. 

They responded stating the information was verified but did not provide any documentation requested that this was an accurate report. This is a violation of the Fair Debt Collections Practices Act Section XXXX and Defamation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have invalid accounts reporting to my credit report I have tried to solve this many times with the company both bureaus and the creditor. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation
Complaint sub-issue: Threatened arrest/jail if do not pay

I was called by Clear Credit Solutions, XXXX @ XXXX and told that I had committed check fraud, specifically Fraud with Malacious Intent, by not paying back a payday loan to XXXX XXXX XXXX. He furthered by stating if I did not pay the balance due by the XXXX of this month, charges would be filed against me. 
This person calls me XXXX to XXXX times a week as well a calls my daughter at work for me. 
I want his threats and scare tactics to stop! His actions are illegal. I 'm suffering XXXX unemployment! I have no money to give and am considering bankruptcy!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, my wife went online and used my credit card to enroll our kids in a swimming school called XXXX in XXXX XXXX, CA. She paid {$230.00}. The next day, on XX/XX/XXXX, she decided to enroll them in a different swimming facility so she used the XXXX chat system to unenroll them and get a refund. She was told via chat that they would unenroll our kids, but that the charges might have gone through and they would contact the elk grove location about getting a refund. The school and the franchise both have the same policy about getting a full refund if we canceled within XXXX hours. XXXX called my wife and she was told that the owner would not give us a refund and that she would only be given credit because our kids took up a spot that could have been reserved for someone else. However, they had immediately withdrawn our kids from the classes and those spots were filled. They admitted that was a mistake on their part, but they would still not give us our money. She tried working with them for about a week, but they would not return the money. There are no chat transcripts and she did not record the calls. She decided to call citi, with my permission, to dispute the charge. She called multiple times and provided screenshots of the policy. They did reverse the charge at XXXX point but then decided to charge my wife again and agreed with the merchant. She was really confused on why they had agreed with them ; the citi representative had even told my wife that the merchant had told citi that she had canceled the next day and that would be more proof that she followed the policy. Another representative said that my wife should have written an email saying that we didn't want the credit even though it wasn't made clear at all that she had to do that. Why would we dispute it if we wanted the credit? They eventually kept " opening '' and refusing the refund until they said it was " too late '' to do anything even though my wife contacted them a week after it had occurred. The representatives even said themselves that my wife should get the refund. My wife and I have no problem/give permission to let citi release the recordings of all our phonecalls. My wife has not stepped foot in the safesplash facility ( she hasn't even seen it in person ) so this place has taken off with our money. There are several complaints on this company about their billing practices and that they charge people without letting them know and refusing refunds. We just want them to follow their policy. If their policy had stated from the beginning that there was no refund, we would have had no problem.
Complaint sub-issue: Information belongs to someone else

A new and presumably duplicate entry for the account " XXXX XXXX  XXXX XXXX XXXX '' was entered onto my Equifax bureau report. My credit score dropped 17 points as a result. I tried calling Equifax and could not get this adjusted. Last month I had the same issue ( duplicate entry ) with XXXX XXXX. It is hard enough to keep my credit rating positive without erroneous entries. The two account numbers on the account aren't even the same - does the " new '' entry belong to someone else? This is extremely frustrating as Equifax is now reporting clearly unverified information, something they assure consumers they will not do. Please delete duplicate entries.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to remove in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$41.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$83.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$910.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$200.00}
Complaint sub-issue: Attempted to collect wrong amount

n XXXX of XXXX i filed a dispute on Mechanics bank for being inaccurate and this item from Mechanics Bank ( XXXX ) was removed from my credit report and now its back showing up, and I know for a fact that it's illegal to remove something from a credit report and put it back on. I feel like im being taken advantage of can you look into this for me please i demand that this account be removed from my credit report or i will file for litigation due to the stress they've caused me and the blatant disregard of consumer law XXXX report # XXXX Date XX/XX/XXXX
Complaint sub-issue: Attempted to collect wrong amount

I agreed to a settlement arrangement on a account with a rep which I believe was name XXXX on XXXX/XXXX/2015 the settlement was for XXXX, the rep advised that he had to get it approved because it was less than XXXX %, I requested proof of the settlement ( letter/email/fax ) stating that we were agreeing to settle the account. I was advised that it could be requested from the main office and given contact information. I attempted to contact the company and keep being routed to a voicemail system. I then attempted to contact XXXX on XXXX/XXXX/2015 at XXXX and again at XXXX and was repeated sent to a voice message system on the last attempt I spoke with a women who took a message. I received a call back at XXXX, it was a missed call for me because I was at work. I attempted back on XXXX/XXXX/2015 and got a rep that I tried to ask for assist with get a letter showing the agreement that we had decided on and she blind transferred me a male by the name of XXXX XXXX who then basically screamed on the phone that since I requested proof of settlement offer that the offer was off the table and that I needed to pay what I owed or else. I tried to explain that I just needed proof for my records and he keep yelling over me I asked for a manager and he said that he was the manager and that I could n't speak with anyone higher and then hung up. I called back to get a new rep and he answer and hung up at XXXX I tried calling back again at XXXX and XXXX and no one answered the telephone. I then search on line to see what company this was and called another XXXX number and a woman by the name of XXXX XXXX answered and listen to the issue and placed me on hold the line was then picked up by a XXXX XXXX and he just yelled into the telephone what do you want and I was surprised that I had been transferred and was like huh, he said you called here what do you want, I advised that I would try call XXXX XXXX back and he hung up. I did call her back and ask could she just send me a letter of review the process and she advised that she could n't help because I was not her rep. I asked for the owner and was advised the he was out but she did give his name a different XXXX XXXX than I spoke with and sais she would give him the message for request for a return call. I then got a call from XXXX from a gentleman that did n't provide his name but basically stated " they will not settle with me now since I want them to jump through hops '' by asking for a letter of the arrangement of settlement. Then he disconnected the call. I am only requesting the settlement letter because that would be my only proof that the account was settled and its shows in writing what we agreed to. I expressed several times that I did n't want to make a payment and then someone else tries to come after me for the remaining balance. I have no way of ensuing that this company honors the agreement if I can get something showing that we are agreeing.
Complaint sub-issue: Was not notified of investigation status or results

DP OF EDUC Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX  Account # : XXXX, XXXX & XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX - I have disputed these accounts but no response was sent to my mail.
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 XXXXXXXX, XXXXXXXX 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.