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

My car was in an accident in XX/XX/XXXX and I was not at fault. The tow yard which my car was taken to gave my insurance 30 days to take it out and instead US Bank took the car out after only 5 days without telling anyone and classified it on my credit report but not to anyone else as a repossession and a charge off even though I was making my payments until they closed my account in XX/XX/XXXX. After that I was unable to make payments on it until my insurance got ahold of the car and inspected it to get a value of the car. The problem was US Bank lost the car and it took my insurance a few months of tracking it down for them to find it. After they found it they put a price on it paid off the car and I had my remaining balance. I called US Bank to find out the balance and they told me to wait for their systems to update before I could pay the remaining balance. I called the next week same answer. I called a third and fourth time and they told me to wait until I received a letter in the mail telling me my remaining balance and how to pay it off. While waiting for the letter I received a delinquency hit on my credit report. I called again and they basically said its not their fault and not their problem and I finally got the letter and paid it off. I went to the XXXX credit bureaus to dispute because US Bank told me they would not fix my credit report themselves and my first report I received back from XXXX was that US Bank refused to take accountability and would not allow XXXX to make the changes to my credit report.
Complaint sub-issue: Information belongs to someone else

I recently got my credit pulled because I am trying to buy a house however, I was told that there were a total of five accounts in negative standing appearing on my credit and due to these accounts I would not qualify for the home loan. The accounts are from XXXX  XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I do not have any type of contract or agreement with these companies and I have never given them permission to run or access my credit file/personal information.
Complaint sub-issue: Information belongs to someone else

I submitted Identity Theft affidavits via the FTC to Equifax, the documents were signed for on XX/XX/2018. In detail it referenced all accounts that were fraudulent. Both XXXX  and XXXX followed proper protocol per Section 605 ( B ) of the FCRA ... but Equifax claims that they don't have to follow those same consumer protection laws that states within 4 days of receiving the proper documentation that all of the accounts in question should be blocked from he consumer credit profile ... .I spoke with 2 separate agents that stated and I QUOTE 'EQUIFAX DOESN'T FOLLOW THE SAME GUIDLEINES AS THE OTHER 2 CREDIT REPORTING AGENCIES ... .now last time I heard the laws should apply to all the same way. Equifax is the worst, and they lie and cheat the consumers daily because they get paid BIG BUCKS by these companies to damage credit profiles for financial gain.
Complaint sub-issue: Reporting company used your report improperly

Several collections were added to my credit report that had been removed previously.
Complaint sub-issue: Information belongs to someone else

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I submitted a fraud claim to XXXX XXXX XXXX, Federal Student Aid an office of the US Department and XXXX XXXX XXXX no response XX/XX/2018.Instead my file was transferred to another agency Allied Interstate on theXX/XX/2018. 
XXXX XXXX Garnished me illegally. I had legal counsel at that time. 
We assumed the issue was resolve. I receive a letter from XXXX XXXX XXXX that I will not be offset XX/XX/2018 I was offset XX/XX/2018 ( enclosed is the letter ) Also I never received notice of Offset. Per the State Treasury funds should be giving back ( letter enclosed ) My Fraud Claim was not reviewed and XXXX XXXX XXXX refuse to return all funds. I submitted A hardship and I fit every criteria listed even eviction. Also I am on medical leave from my employer due to XXXX. In which I supplied documents I receive no income. XXXX XXXX XXXX violated FDCPA and FTC and never investigated my claim of fraud also I submitted there letter that they sent me in writing that they will not Offset or take any funds. I forward them back there own letters and documents from the department of treasury Nor Did Allied Interstate review. All calls were recorded even the call to the State Treasury that there was not a hold on funds. Which was forward to American student assistant, still no resolve.
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. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I submitted a letter to the XXXX and Equifax XXXX XXXX XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$54.00}
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9000.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$9000.00} -This is not my account. 


XXXX. XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$3200.00} -This is not my account.
Complaint sub-issue: Account information incorrect

Equifax report a collections account " XXXX XXXX XXXX ''. I have no knowledge of this account. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account.
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 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.
Complaint sub-issue: Unexpected increase in interest rate

Discover Credit Card Copy of the letter and today 's conversation. 
Attn : Billing Inquiries XXXX XXXX XXXX XXXX, Az XXXX Notice of disputed charge to Account No. XXXX Dear Billing Inquiries Division : I am writing to dispute a charge of [ {$100.00} ] to my [ credit card ] account. The charge is in error because I called on XX/XX/XXXX and asked for the payoff/total amount owed to make a one-time final payment, I needed to provide the balance information to my bank to obtain a personal loan to pay off my XXXX and Discover cards. The interest for my Discover card is higher and I wanted to pay it off in full. When I called on Saturday XX/XX/XXXX XXXX told me the balance and advised that she will lock the total amount owed until XX/XX/XXXX, the amount owed was {$5900.00}. 

{$5900.00} {$25.00} Rewards -- -- -- -- -- -- -- -- -- -- {$5800.00} Total Balance Owed.

I was able to do my loan on Saturday and received the check on XXXX, I called on XX/XX/XXXX to make the payment over the phone and XXXX hang up my call at XXXX p.m. I had to go online to pay the total amount owed on XX/XX/XXXX. 

I called Discover card today to confirm my payment and Discover Card has changed my amount owed, Discover has no respect and was not honest at the time I talked to the Customer Service Representative, this lady gave me the Total amount owed on Saturday XX/XX/XXXX. XXXX gave me my balance owed of {$5900.00} and advised me that my total balance will be locked until XX/XX/XXXX. Then XXXX hangs up the call. On XX/XX/XXXX I went online to pay the entire balance and find out that the Discover Customer Service person lied about my balance, your company should be responsible for lying and not being honest. I am aware of your bad Customer Service, have no manners or knowledge of any professionalism, your company lies to customers, and for XXXX XXXX dollars you prefer to lose a customer that has been a customer for more than 22 years. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
I have taped the conversation, and I will take it to court if necessary, or to the Better Business Bureau or the Treasury Department 's Office. 


Sincerely, XXXX XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Dyck O'neal is a debt collection agency. They have purchased a debt and reported it as open installment accounts. They have dishonestly reported an account ( ending in # XXXX XXXX to all the reporting agencies. They are currently reporting this as a part of a bankruptcy that was discharged in XXXX yesterday the account as opened in XXXX XXXX. I have disputed several times and they continue to change the data inaccurately, fraudulently and misleading. To find out this is in fact an attempt to collect a debt. They are reporting it as an installment which it is not. Dyck O'Neal is plainly titled as a collection agency, not an original creditor and has not validated any debt owed. I have received no information from this company via mail or otherwise to resolve any debt with them, which is failure to notify according to FCRA regulation. The attached document shows the mid information and their refusal to remove it is violating the FCRA. They continuing to submit information that they know is incorrect, and XXXX, a XXXX, and a XXXX  has allowed this defamation. 
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Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a human being and I have rights under 15 USC 1681. It is my knowledge that Equifax is govern by 15 usc 1681.and they have violated my rights number times and I have filed numerous reports. I demand the following accounts below be removed from my report because Account-XXXX Consumer Account - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX According to 15 USC 1681 : I have the right to privacy and i did not give Equifax permission to furnish these accounts.
Complaint sub-issue: Information belongs to someone else

I have sent 2 dispute letters to each bureau, EQUIFAX, XXXX, XXXX. Both have had very little results and am very confused why these reporting agencies arent honoring my identity theft claims. I have sent each letter with proof of ID ( DL, SSN CARD, Utility Bill and FTC REPORT ).
Complaint sub-issue: Account status incorrect

For over 3 yrs and 3 months now. This company has been harassing me, as well as making a major delinquency red flag on my credit. XX/XX/2019. Started with the harassment phone calls, threatening. So I spent days, which than turned into weeks and months. Just trying to communicate with them civilly yet was tossed aside. Due to the fact that I went and got the proper medical documentation and proof of the account being fully paid off by my insurance. I mailed them in my documents of proof. They mailed it right back claiming it was the wrong address sent to. Durning those weeks and months. They were gradually adding on fees and lowering my score every single time tremendously. I than reached out to XXXX XXXX many times about how all of this is wrong. Every investigation has come back as the account is stil open and I owe. I reached out to my attorney generals office about this. They have told me that this company has been reported for their legally wrongful acts once or twice before. So it being over 3 yrs now Im over this fraud they are committing.
Complaint sub-issue: No notice of investigation status/result

I have sent several requests to Equifax to provide me with the documents that their company has on file that were used to verify the accounts I 've disputed. It 's been a few months and they have not been able to verify these accounts. As a result, per the FCRA, section 611 ( 5 ) ( A ), they are required to " promptly delete all items which can not be verified from the file of the consumer. '' Please help me resolve this issue.
Complaint sub-issue: Account status incorrect

Equifax dropped my score almost 100 points with no reasonable explanation I went from XXXX to XXXX in one day! There has been no discernible activity to explain the reason for should a huge drop to my score, every open account on my record has never been late once! The only activity that was generated on my report is my request to dispute several accounts that were previously closed! After Equifax first contacted these closed accounts, they started lowering my score! Some of the accounts as I reported to them were settled as per agreement but they have not updated them as of this letter! I feel that credit reporting agencies such as Equifax need to be far more attentive about how they report updated information when a dispute is completed for CLOSED ACCOUNTS! The information that the creditors provided did not make any changes from their last reported status, therefore, there should not have been any changes made negatively to my score as a result of my dispute! Dropping a persons score nearly 100 points is indeed, a serious matter and it needs to be reviewed to insure that the information does not impact a consumer negatively due to misplacement of confirmed information and the record should reflect the updated information only in the comments section of the report not anywhere else in the body of the record! It's here where you are essentially performing double jeopardy by computating information as new but was previously unchanged from the creditor 's last report! You erroneously computated their old, previously reported information as current! This change in my score has caused me great duress and I would like to request punitive damages as a direct result!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 I purchased tickets from XXXX for {$520.00}. 

On XX/XX/2020 I submitted a dispute to Citi for the full amount of {$520.00} as the concert had been postponed without a future date yet to report. 

On XX/XX/2020 XXXX cancelled the event and stated that I would be receiving a refund. 

On XX/XX/2020 I provided Citi with the e-mails from XXXX that I should be receiving a refund. 

It has now been more than 1 month and CITI still has not credited me with the total amount of {$520.00}. 

All I am asking for is to be refunded the amount that should be refunded to resolve this issue. It is unacceptable that this has taken months to resolve.
Complaint sub-issue: Their investigation did not fix an error on your report

Comfirmation Number # XXXX I will like for your company to send me documentary evidence on the people your company did interviews on send to the above address. 

Pursuant to the FCRA Fair Credit Reporting Act 15 U.S. Code 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Complaint sub-issue: Problem accessing account

PNC does not allow 3rd oarty access to my account which XXXX have given permission to..like trade and investment apps.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021 I contacted Equifax, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Complaint sub-issue: Didn't receive enough information to verify debt

This company claims that they verified a debt with me. This company sent me a old lease that they claim is mine. In the contract under ( Full legal name ) the contract says XXXX XXXX. My name is not XXXX!!! My full legal name is XXXX XXXX XXXX.XXXX is a guys name and XXXX is a girls name. Plus on a completely separate page they show a signature that doesn't even match. Then there is a separate page with no signature, just a typed up bill with bogus charges with dates that aren't even on contract. They also claim they tried to contact me but they didn't even have MY ADRESS OR PHONE NUMBER!! This debt is CLEARLY not verified and clearly is not mine!!!!!
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2023 I sent True accord received a cease and desist letter from me instructing them to cease all communication with me which includes emails, letters, phone calls etc..I also sent them an invoice for {$3000.00} for 3 Fair Debt Collections Practices Act violations. On XX/XX/2023 at XXXX True accord contacted me after they had received my cease and desist which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

They contacted me for a reason outside of these 3 reasons which is a violation also.