Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

I received in the mail from Equifax a letter with two addresses for me. Both were incorrect. One address I never lived at and the other had an apartment number associated with it ( I live in a single home ). I contacted Equifax via email and was instructed to call during business hours. The first agent was very difficult to understand as English was a second language. After an hour of proving who I was, the agent would not accept my correction for my address. The agent 's requirement was to provide several forms of proof in documented format faxed to them. I could not understand all of the requirements because of the agent 's English. I requested to speak to the supervisor and verbally we agreed to update my address. I do not have proof that it was completed.

I am dismayed that the only two addresses that Equifax had proposed to me were both incorrect. I can not imagine what other information is incorrect in my report. I currently have a credit freeze on my credit report because my account information was part of the Equifax data breech.

I hope others do not experience the same level of misinformation and reluctance to correct.
Complaint sub-issue: Information belongs to someone else

I pulled my credit report and I saw XXXX XXXX  for XXXX  XXXX  XXXX two companies that I have never done business with. This is result of identity theft and I would like it handled immediately
Complaint sub-issue: Information belongs to someone else

I am not the owner of XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Complaint sub-issue: Their investigation did not fix an error on your report

I have repeatedly attempted to have the information provided by XXXX  to be corrected or deleted. There is an accout from XXXX XXXX XXXX on my credit report that had been SOLD to Jefferson Capital. I then asked Jefferson Capital to validate the debt, they could not and they immediately terminated their collection activity on the account according to the letter they have dated XX/XX/2019. 
I recieved a letter from Experian on XX/XX/2019, Report # XXXX stating that the information was " UPDATED '' and it was not. If the account had been investigated properly it would be clear that account is no longer in collection and/or deleted. The only change to the report ar in the 2nd " comment : '' area stating " the item was updated from our processing of your dispute in XX/XX/2019. '' If that is true why is Jefferson Capital currently on my report still. 
And if XXXX contacted the " data furnisher '' and not used the electronic systems that was used in the last dispute, I feel like this account would be deleted as the credit bureaus XXXX  has done.
Complaint sub-issue: Personal information incorrect

In XXXX of ,2022, I filed a dispute with this bureau about the removal of the Outdated addresses of XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

To whom to may concern, In early XX/XX/2020 I had become an authorized user on my cousin 's XXXX XXXX XXXX credit card. They had said they would show me in the credit files to all 3 of the major credit agencies and have not. I will also put an attachment from XXXX XXXX website. It is now Middle of XXXX and I do not see this card anywhere on XXXX, equifax or XXXX. I have called XXXX XXXX a few times. They said they would fix it and it just had to be updated. I just feel like nothing has been done to show my information. I understand with covid everything is backed up. Just want my information to be accurate.
Complaint sub-issue: Billing problem

I am nearing the end of my vehicle loan with Ally Financial. I was told by a representative with Ally that the pay off amount on my loan as of XXXX XXXX, XXXX  is {$520.00}. 
I got an email today showing that my balance is {$1100.00} ( {$520.00} showing as late charge, which is actually the payoff amount, and {$620.00} showing as a payment due which is totally incorrect. ) When I paid the {$700.00} payment towards my loan my account showed a balance of {$520.00} with no late charges. I can not understand how is it that I owe late charges, while making large payments on my account. My prior balance was {$1200.00}. I am going to pay the {$520.00} payment on XX/XX/2022 and not a XXXX  more. The contact person at Ally that I have record of is XXXX XXXX no last name given ) who can be reached at ( XXXX ) XXXX OptXXXX, Opt XXXX, ext. XXXX.I hope you guys can assist me with this matter as soon as possible. I have attached documentation which I hope sheds light on my situation. Thank you.
Complaint sub-issue: Information belongs to someone else

I am a natural person, I am a living human being, and I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681 and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to the 15 USC 1681, I have the right to privacy and did not give Equifax written permission to to furnish these accounts : XXXX XXXX account # XXXX, XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX  XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

Last year I found out that I had a lot of information on my credit bureaus that wasnt mine such as collection accounts, inquiries and personal information. I found out that my information was mixed was mixed up with a different name than mine with addresses that I never lived at in Alaska, phone numbers that werent mine and several inquiries that werent mine and collection accounts. I have had most of the info removed off my XXXX report, I disputed with Equifax and they removed some personal info but not all of it, they didnt remove fraudulent accounts and or inquiries after the supervisor said they would if I added a fraud report to my bureau. I cant get online to redisoute with Equifax, it keeps saying the information Im entering to verify myself doesnt match their records thats because they might have some of the wrong info. XXXX Im having problems with the inquiries and again its impossibke to get ahold of any live representatives and or online with them. These issues have caused my scores to drop over 130 points in the past year.
Complaint sub-issue: Account status incorrect

XX/XX/2019 XXXX XXXX {$520.00} XX/XX/2019 XXXX XXXX XXXX {$930.00} XX/XX/2019 XXXX XXXXXXXX XXXX {$3700.00} XX/XX/2019 XXXX XXXX XXXX {$350.00}
Complaint sub-issue: Information belongs to someone else

its a phone bill and a medical on my account I didn't have any info about I reached out the the company and the credit bureau on different time to get the handle I need this remove offf my account asap
Complaint sub-issue: Attempted to collect wrong amount

The debt collector, XXXX XXXX XXXX XXXX is trying to obtain a debt in the wrong amount. If this debt is in regards to a credit card from XXXX XXXX ' XXXX, the balance on the account never exceeded over {$1000.00}. The balance on the account remaining was around {$400.00}. The debt collector is trying to collect a additional {$800.00}. Please verify the correct amount owed with XXXX XXXX ' XXXX without the additional interest or late fees tacked onto this account. I will not come into an agreement with the balance of {$1200.00} as the charge on the credit card never exceeded over {$1000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA, XXXX DOB : XX/XX/XXXX last XXXX of XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer report information provided by XXXXXXXX XXXX to the Credit Reporting agency by the name of Equifax. While checking my report, it came to my attention that this account is still reporting inaccurate information. Not only is the communication not accurate but all attempts to resolve this issue have failed. I have disputed this with XXXX XXXX on several occasions. This erroneous communication must cease. 

According to 15 USC 1692a ( 2 ), the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

XXXX XXXX has consistently communicated inaccurate information in regards to the credit builder account account ending in XXXX as well as the credit card account furnished via XXXX. The account has been reporting inaccurate late payments. As the attachment reflects, the account is reporting as current in XXXX of XXXX then reports as 60 days past due in XXXX of XXXX. How can an account be 60 days late in a time span of 30 days? The same incorrect reporting is reflected on the credit card account, on time in XXXX of XXXX then reports 60 days past due in XX/XX/XXXX. 

As per the literal interpretation 'any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information about the late payments for this alleged debt ) by XXXXXXXX XXXX will amount to a communication as per the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am providing you formal notice to cease any further communications regarding this account immediately. This includes but is not limited to calls, emails, social media, or any Consumer Reporting Agency unless it is to remove the incorrectly reported late payments. 

Any further contact by your agent or Company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation Sincerely XXXX XXXX XXXX Attachments : 1. Copy of Consumer Report 2. Copy of account inaccuracies XXXX inaccuracies
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citibank account through this link : https : XXXX? XXXX & XXXX The offer was for {$700.00} if I moved {$50000.00} of new-to-Citi- funds and maintained a balance of {$50000.00} for 60 days. 

I clicked directly through that link above but the account that appeared when I logged in to my account was a 'Basic Checking ' account. I called Citi 's customer service only to be told that the promotion was not attached to my account. 

A supervisor told me that it would be fixed and attached but upon another call to them to see if that was true, I was told that fixing the problem after the account was open was impossible. A US-based person I reached by calling the number on the offer page confirmed that my account would not be receiving the bonus despite the fact that I applied directly from the link. 

I could not call customer service anymore because I could not trust what their customer service was telling me. One person would confirm that the bonus would be paid, while another would say that it would not. Even supervisors did not know the details of this offer. 

In the end, I had to close the account. Even though I clicked through the link above, the promised bonus was not going to be given.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. 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. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Debt is not yours

To Whom it May Concern : This Complaint concerns Receivables Management Systems, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX. A XXXX XXXX was already supplied to these people three times. Per the Fair Credit Reporting Act, upon their receipt of this Affidavit, they were supposed to cause the removal of this alleged account from my credit report. They have already failed to do so, and thus have already violated the Fair Credit Reporting Act.

Even if this account were legitimate which it is not - please make note of the balance they have reported to XXXX   as to this  alleged debt from XX/XX/XXXX to present, namely : Date Balance Change XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} {$37.00} reduction, no payment made XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest Per my XXXX   credit reports from XX/XX/XXXX to XX/XX/XXXX, they appear to have been charging an approximate average of 13.2 % annual interest on this alleged debt. No contract exists where I authorized such interest on any such alleged debt. 

Per my XXXX credit report on XX/XX/XXXX ( see enclosed ),  for no apparent reason, they appear to have made a {$37.00} reduction in my alleged balance. I made no payment. 

And then, per my XXXX  credit reports from XX/XX/XXXX to present, they appear to be this time charging an approximate average of 10.7 % annual interest on this alleged debt. No contract exists where I authorized this amount of interest either. 

Their credit reporting simply can not be accurate, even if this account were legitimate. 

I am requesting that this fraudulent and inaccurate account be deleted from my credit immediately. 

Thank you for your time and attention to this matter, and I remain Very truly yours, /s/ XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying since 2016 to get XXXX, Equifax and XXXX  to correct my credit report. They take anything the creditor gives them and then closes the case. I am never notified, questioned or involved in the so called " investigation ''. I have supplied Identity Theft Reports, Case # 's, Emails to them proving my case. The original creditor no longer own the debt. I call and call and get no response. I have mailed things to the CFPB proving my case. I get empty promises, language barriers and forwarded to endless ringing lines, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX are the worst. XXXX XXXX and XXXX XXXX  are the worst to deal with. This is a one sided problem that needs to be fixed. I will be taking legal action immediately if this does not get resolved. This is fraud and as a US Citizen I want justice. It should not come to this. I have paid what I owe and done my due diligence. I am prepared to stand up for my rights as a taxpayer. I have asked for signed documents by me with my handwriting proving these accounts were mine and charges were me. I have never got anything. Every month my scores just drop. Please contact me so we can work together on getting justice for me. I am involved in so many data breaches and have not gotten any justice from that. The attorneys sure have. That is wrong. I am human too.
Complaint sub-issue: Debt was result of identity theft

I have an account in collections that was fraudulently created. 

XXXX XXXX XXXX - XX/XX/2017 - {$75.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a debt validation letter XX/XX/2021. This company has failed to validate my debt. Instead they sent a list of my medical records, which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file, and cease all collection activities immediately.
Complaint sub-issue: Don't want a card provided by your employer or the government

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Social security # XXXX Good morning I have a little over two weeks of trying to get a new card issued for my unemployment benefits and have already fax all the information that was requested from me such as identification and proof of residency. Ive called Reliacard services and no one has helped me fix my address so that I can get a new card issued. I keep getting transfer over and over and I do not mind the wait time If only I was getting the assistant that I need. Ive tried calling different numbers and I cant get any help my benefits for unemployment have already been issued to the Prepaid Reliacard. My rent is coming up and I am having a bit of anxiety that I cant get a card sent to my correct address.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by 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: You told them to stop contacting you, but they keep trying

The Discover Card company calls me from several different phone numbers several times a day. I have tried to block the numbers to stop getting the calls. They have resorted to calling my parents and the home number of my former residence. None of those numbers that they are calling are connected to my credit card account. They must have searched the numbers through a database.
Complaint sub-issue: Problem with personal statement of dispute

There is a bankruptcy being reported on all 3 credit bureaus. I reached out to all agencies and was told that this information was furnished and verified to be accurate by paid source XXXX I reached out to XXXX XXXX who responded saying that this was not true, and this information was not furnished nor is this on my XXXX XXXX report. I reached back out to all agencies on conference calls with XXXX XXXX and was told that they would need proof from XXXX XXXX. I have submitted my XXXX  XXXX report and was told that was not sufficient. XXXX XXXX even asked agencies to validate when said information was furnished and was told that they were not at liberty to answer. I have also asked agencies to provide me documents to support the validity of this reporting and was told they have no such document. I am demanding that these agencies provide me document to support this reporting or remove this reporting as the said furnisher has provided document showing this information is not reported on my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

FIRST OF ALL I HAVE KNOW KNOWLEDGE OF THIS ACCOUNT. ACCOUNT NUMBER IS XXXX YOU HAVE VIOLATED MY RIGHTS BY PROVIDING INFORMATION THAT IS UNTRUE ON MY CREDIT REPORT
Complaint sub-issue: Debt was result of identity theft

The debt collector JEFFERSON CAPITAL SYSTEM has put a collection on my report from an identity theft that took place during XXXX. The report is filed with the police.