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

Equifax ; XXXX and XXXX are incorrectly reporting a collection in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and therefore there is not oustanding balance to report. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Complaint sub-issue: Information belongs to someone else

MY IDENTITY WAS STOLEING AND USED FOR TO OPEN UP SEVERAL FRAUDULENT ACCOUNTS THAT I HAD NO KNOWLEDGE OF THE ACCOUNTS OPEN SHOULDNT HAVE BEEN OPEN I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

IC Systems has put a negative mark on my credit report I dont recognize. XX/XX/XXXX I went to the website and reported this and I have not had no response and it still on my credit report.
Complaint sub-issue: Information is not mine

I have never applied for credit ever and someone elses debt is showing on my reports also I recently applied for a XXXX XXXX credit card and was denied stating I filed bankruptcy which I never filed in my life. 
Im a victim of identity theft and filed a report with the ftc
Complaint sub-issue: Right to dispute notice not received

I pulled my credit report and I have several fraudulent accounts. Please help me! Thanks so much
Complaint sub-issue: Can't close your account

Made full payment of credit card, closed account and canceled card with Citi Diamond Preferred MasterCard by telephone on XX/XX/XXXX to customer service at XXXX and authorized my XXXX Bank to approve this final payment. After checking my credit reports at the end of the year, I discovered that Citi had charged me {$2.00} in interest plus {$120.00} in delinquent fees. After calling customer service, I felt intimidated to pay this amount and clear the records again on this closed account ; therefore, I again paid by telephone authorization this full amount of {$120.00} on XX/XX/XXXX. Now I have received an email informing me that I owe an additional {$1.00} due by XX/XX/XXXX. I have never been late on my payments until trying to close this account with Citi. I feel this is a fraudulent abuse of our terms of agreement to pay-off this account and unfair practice of applying delinquent fees. I request that Citi refund this payment of {$120.00}, rescind this latest charge of {$1.00} and remove all negative false statements to the three credit reporting agencies. Furthermore, Citi should provide a written statement to me confirming their actions in this matter. Thanks for your help.
Complaint sub-issue: Investigation took more than 30 days

I have an entry on my credit file which with Equifax for an account with a high balance of {$21000.00} opened on XX/XX/XXXX being reported by XXXX XXXX XXXX account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or XXXX XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Complaint sub-issue: Banking errors

I referred my friend, XXXX XXXX - I referred her and she completed the requirements for the promotional bonus to earn {$100.00} after doing the following - 1. receive a direct deposit of {$200.00} or more in 30 days and 2. spend at least {$100.00} on goods or services with their albert debit card. I have proof she used my referral link and completed the requirements. I was not credited for her referral and I am asking for the referral reward in the amount of {$100.00} be deposited into my Albert account.
Complaint sub-issue: Information belongs to someone else

Equifax attributes this account to me ( XXXX XXXX ). This account is NOT my account. This impacts my credit score seriously. 


XXXX XXXX XXXX, XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Date Opened XX/XX/XXXX Account Status Closed Payment Status Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Usage - Balance {$770.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$770.00} Highest Balance - Terms M 1M Responsibility Individual Account Your Statement CHARGED OFF ACCOUNTFIXED RATE Comments CHARGED OFF ACCOUNTFIXED RATE Contact Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

I have few accounts on my credit report that is not belongs to me. Im XXXX person getting assistance from the state I dispute those accounts and the credit report cant remove it. Account are been placed different times or have been in my credit for more than 8 years
Complaint sub-issue: Account status incorrect

I have student loans that are currently reporting inaccurate as delinquent accounts that should have been removed already. The accounts are causing harm to my credit score and are negatively impacting my credit application decisions. The accounts are in good standing by fed loan servicing and I can provide proof that they are not delinquent.
Complaint sub-issue: Information belongs to someone else

Two months ago I contacted Equifax about the following fraudulent account XXXXXXXX XXXX  XXXX ( Date Opened : XX/XX/2014, Balance : {$2100.00} ) and to this day they have not responded to my dispute as they are required by the Federal Law.
Complaint sub-issue: Billing problem

I have been trying to make additional payments towards the Principal of the loan, but after multiple contacts to the lender, they continue to apply these CLEARLY marked payments as monthly payments and reduct interest charges from them so the Full Amount of these Principal Payments Only are NOT applied to the balance of the loan.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX Balance {$770.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$2400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$5100.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance : {$1900.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$11000.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
Complaint sub-issue: Was not notified of investigation status or results

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, Equifax and XXXX. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a XXXX XXXX credit card account XXXX that was opened on XX/XX/2017. I missed payments and it went into delinquency, and XXXX sold this account to a collection agency by the name of XXXX XXXX. I was sued by this collection agency, although I was able to settle the debt with XXXX XXXX, in exchange for removing any bad marks from all of the credit reporting bureaus and also stopped them from taking me to court. I am no longer having anything to do with XXXX, but yet XXXX is still on my credit report, marking my current status as a derogatory account. This is affecting my credit score. I need XXXX to delete the account off from all of the credit bureaus immediately. Thank you.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX ar XXXXXXXX XXXX  I reached out to Nelnet after discovering they have reported a total of 72 lates on my credit report ( 18 accounts showing late 4 times each ). I spoke to XXXX whom then transferred me to Supervisor XXXX. XXXX XXXX stated XXXX is sending proof of payments. A few days later I received a copy of my payment history Nelnet sent me ( included in this submission ). The payment history shows a deferment ( this area is marked with a * on the payment history ) during the dates ( XX/XX/XXXX 90 days,XX/XX/XXXX120 days, XX/XX/XXXX 90 days, XX/XX/XXXX 120 days ) Nelnet reported me late. I called Nelnet back and was told a law prohibits them from changing a credit reporting and I have to dispute with the credit bureaus. I proceeded to do just that the end of XX/XX/XXXX by sending the payment history received from Nelnet with my request. The credit bureaus refused to correct the file giving the reason Nelnet is verifying the incorrect reporting as being correct. I placed 3 more disputes there after while continuing to contact Nelnet. Nothing was corrected. In XX/XX/XXXX I hired an attorney to assist with this issue. My attorney sent a letter ( attached ) to Nelnet ( and ccd all three credit bureaus ) along with the payment history ( attached ) requesting the information be corrected. On XX/XX/XXXX Nelnet replied ( attached ) they do not have to investigate 3rd party requests. I then received a letter from XXXX ( via mail ) on XX/XX/XXXX stating Nelnet verified the current reporting as accurate ( again ). These late payments on my credit report is NOT accurate as evident in the payment history sent to me directly from Nelnet. It is imperative this erroneous information is corrected ASAP as it is contributing to a great financial strain on my family.
Complaint sub-issue: Their investigation did not fix an error on your report

The XXXX XXXX XXXX has reported an installment loan on my Equifax credit report in the last 3 or 4 months that I NEVER applied for nor borrowed. This item has been disputed with Equifax to no avail. I personally consider this to be fraud on XXXX XXXX XXXX XXXX part due to falsifying my credit report. It looks to be a {$2000.00} installment loan for 12 months.
Complaint sub-issue: Debt is not yours

This debt is not mine and stems from identity theft. A former friend and co-worker incurred this debt and acted on my behalf without my consent to secure phone lines and phone privileges with this company. I have and will always deny this debt because it is truly not mine.
Complaint sub-issue: Information is missing that should be on the report

information need to be put back on b/c I found out its mine so please add it back : was giving false informations : XXXX, XXXX. 
Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted + 'icon ' Deleted
Complaint sub-issue: Deposits and withdrawals

When attempting to link my bank account to an outside service, such as XXXX XXXX, who uses a debit card service, i am not able to link my bank account in order to fund it due to a PNC policy.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter dated XX/XX/2021 to Equifax requesting the accounts showing on my credit report for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  be validated or removed. These items remained on my report after their 30 day investigation. I sent another dispute letter dated XX/XX/2021 to XXXX  requesting verifiable proof of these alleged debts including the original contracts with my signature to show that i am responsible for these alleged debts. As of today, XX/XX/2021, I have not received anything in writing to show I am responsible for these alleged debts. According to the FCRA Section 609, I am entitled to receive the requested information including proof of the debt and how Equifax verified the alleged debts. Because Equifax has not provided the requested information and Equifax continues to report this unverified information, my rights as a consumer are being violated. I am requesting that Equifax provide me with the requested verifiable proof that these alleged debts belong to me or remove the accounts showing for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  from my credit report immediately. Without verifiable proof, any one can send Equifax accounts and say they are mine.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 a filed an dispute with Equifax, on these two accounts XXXX XXXX XXXX, and ohio department of human services. Which they said it was verified, but I didn't receive any validation letters, so I sent another dispute on XX/XX/2020 asking to reinvestigate and show me how they validated both accounts. There are no contracts, no original signed document. I haven't received any information to show these accounts can be reported on my credit. According to the FCRA. I have uploaded pictures showing they can't locate consumer account.
Complaint sub-issue: Information belongs to someone else

I was advised that I can reached out to you all for help. I went to trade my car in and the man at the dealership said my credit would not allow it. I immediately signed up for one of those credit thingy and saw some things on my credit that is not mine. One thing that really stuck out was a bankruptcy. I called the Northern District of GA Bankruptcy and they lady at the clerk office told me that my social security number was not in their system and there is not bankruptcy for me. They told me to contact some company that has public records or something and the said the exact same thing so how is this possible smh. The other ones were XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX? XXXX and XXXX XXXX. I reached out to the FTC to let them know and the police here. I need help with this im doing this on my own and really need some help.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and removed : DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX
Complaint sub-issue: Company closed your account

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Equifax Information Services, because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. My file has also been merged with someone born XX/XX/XXXX, This is a violation per FCRA. Equifax, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This has caused me tremendous XXXX, stress, and financial hardship.
Complaint sub-issue: Debt is not yours

Enhanced Recovered Company trying to collect debt {$1100.00} which is not mine. They bought this debt from another company that tried to collect last XXXX of 2020 this company put a collection on my credit report which I disputed and it was removed. Now Ehanced Recovered Company just put collection on my credit for {$1100.00}, I to them that this account is not mine, I asked them to provide proof that the account is mine they wouldn't give me any proof. Instead they have ruined my credit with collection account. They're trying to scare me into paying for a debt that I don't owe, because they believe that they have the power to distory my credit. Something need to be done about these companies.
Complaint sub-issue: Their investigation did not fix an error on your report

This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

This is the second time in less than a year, during COVID mind you, that Citi has decreased my balance for absolutely no reason, to what I owe on the card, which then makes it appear that I have maxed out a credit card. This has a devastating impact on your credit score when a credit card is above 30 % usage. They did this in XX/XX/2020 and when I filed a complaint, they raised my limit back up to what it was before they reduced it. See previous complaint I filed on XX/XX/2020. The email states it is a decision made by Citi and not by the credit agency. You can see I have a 100 % credit payment history on all my credit, car loan, etc. 

There is no reasonable explanation for this. I got this card after receiving a promotion in the mail for an interest free balance transfer. The only charge to this card was the balance transfer, which was about 30 % of the total limit they offered. My limit was {$9200.00}. I have not charged anything additional to this card. I kept my credit utilization under 30 %. I have never missed a payment. The credit limit was {$9200.00} and I only owe {$2700.00}, so less then I did in XXXX when they reduced the limit. I have not charged anything additional and am paying it off and feel like Im being punished for being responsible. There is no reason for Citi to have reduced the credit limit, which will cause my score to decrease significantly. This will have a tremendous negative impact on my credit. The country is in a financial crisis and I have done everything right. Thankfully, I still have my job.The same job I have had 14 years. I have paid all my bills on time and have a 100 % on-time score. Ive never been late on any of my credit payments and have not asked for any kind of COVID forbearance. I do not know why they would treat their customers like this during such a trying time. Its going to ruin my credit. I just want them to increase the limit back to what it was. I have no plans of jacking the card up to the limit. You can see that I have paid it down and have charged nothing else. Im doing the responsible thing here. I will even agree to not charge anything additional if that is what they are worried about if they will just increase the limit back to where it was so that it doesnt look like I maxed out a credit card. Quite frankly, how can this be legal. They literally have the power to ruin someones life without good reason. And Im trying to buy my home. This is devastating to my financial well-being.
Complaint sub-issue: Company closed your account

I had 2 credit cards with CITI BANK. CITI XXXX XXXX card ending XXXX and CITI XXXX card ending XXXX. On XX/XX/2022, I received a letter saying that " Because you were not able to maintain the security of this account, it is has been closed as of XX/XX/2022 ''. I do not understand this. I did not have any issues with the security of my cards and I maintained their security very well. This reason doesn't make any sense and it is not correct.
Complaint sub-issue: Information belongs to someone else

Texas XX/XX/XXXX XXXX XXXX XXXX adding removed accounts back on with notice https : XXXX scaring me to sue is against the law discover XXXX  XXXX XXXX XXXXUnder the FDCPA, a debt collector can not threaten to sue you to force faster payment of a debt. More often than not, when a collection agent or lawyer threatens to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule. 
Tax Liens Removed From Credit Reports Tax liens used to appear on your credit reports maintained by the three national credit bureaus ( XXXX, XXXX  and XXXX  ). Even if you paid the lien, it stayed on your reports for up to seven years, while unpaid liens remained on your reports for up to 10 years. 

In XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus. 

The updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly. 

" A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at data firm XXXX XXXX XXXX, in XXXX XXXX. 

How Will the Tax Lien Change Affect My Credit? 
According to XXXX XXXX XXXX, only about 11 % of consumers will see a change to their credit reports as a result of this action, and scores could increase by as much as 30 points overall. 

However, the XXXX XXXX XXXX XXXX, which represents the three credit bureaus, said in a statement in XXXX that " analyses conducted by the credit reporting agencies and credit score developers XXXX and XXXX show only modest credit scoring impacts. ''