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

On XX/XX/2020 I wrote a letter to Equifax, requesting that they update a debt I had with XXXX to reflect a Zero balance. I sent them the payment receipt, letter from the Branch Manager where I had the service, and a letter requesting that they update my balance to reflect this debt has been settled. Equifax investigated, and left the debt the same. I settled the debt, and I expect my credit to reflect the update. I should not have to constantly write letters, and go on this site to have my information properly updated. XXXX and XXXX updated the information. Why is Equifax unwilling to update my balance with XXXX from XXXX to {$0.00}? The problem that I have with these credit bureaus is who are they verifying the debt with because why are consumers constantly complaining about these credit bureaus. Why am I able to settle the debt with the company, and provide them with the payment info, resolution letter, and they still refuse to remove this erroneous incorrect information from my credit report? 

I do not believe equifax even performed a thorough investigation into the debt or my documents.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Debt was paid

We requested the cancellation of the XXXX XXXX  in XX/XX/2018 as we moved to another address that the company could no longer provide us with its service because there would be no coverage at the location and as they guided us we returned the equipment at XXXX and at the time the attendant said that we would not need proof as they would automatically download the system. after 1 month of our move the XXXX   sent us the last charge for a month that was not even used since we had made the cancellation request and they did not do it, but to avoid fighting we accepted to make the payment and did not make any complaints. After 2 months again after making the payment this time the XXXX  sends us a new charge, but this time it would be for the equipment that was returned by us since the beginning of the service cancellation request at XXXX and thus started our fight with this company that we thought they were suitable until now because we stayed for 2 years as their customers. And even after explaining over and over again that we had returned the equipment, they still insisted on charging us for something that we returned until now that month we had the unexpected news that this company put us in collection for something we shouldn't and that was returned and that if there was an error it was not on our part and in addition we tried to contact XXXX and they informed us that they no longer have the information because the XXXX removed us from the customer system.
Complaint sub-issue: Other problem

Hello, my name is XXXX XXXX and I was a victim of fraud from a scam company. I was hired for a company named XXXX XXXX XXXX, XXXX in New York. The company seemed legitimate and they sent me all the information proving that legitimacy. The company did a credit check on me and offered me a position as a regional XXXX XXXX. They were also able to check my credit card balances and told me which credit cards I should start using according to the remaining balance on each. They " hired '' me and told me to start a 15-day trial period using two of my credit cards ( XXXX XXXX XXXX Travel Rewards and Citicard AA Advantage ) to make purchases. They sent me 2 accounts numbers and two routing numbers from the " company accounts '' and told me to pay off these two credit cards. I was supposedly authorized with my name to add that two- account information to my online banking in order to make the money transfers to my credit cards. I paid my credit cards off several times with the funds they " allow me '' to transfer. My banks allowed these payments and I purchased thousands of dollars on XXXX and sent them to the  address they provided me in XXXX XXXX ( I have the name and the address of the person in XXXX XXXX ). For some reason, after two weeks making purchases, the payments I did to my credit cards were reversed ; therefore, now I owe my credit cards the money I used to buy the XXXX. I would like someone to help me what other steps should I take. Thanks in advance, XXXX XXXX cell : XXXX email : XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Twice I tried sending information to equifax to remove fraud alert from credit report because I cant open a new account or anything ... I called again and still nothing and they act like they can't speak good english ... .they wanted a copy of my id, ssn, and utility bill I sent ... .here below I attached those 3 they need to remove fraud alert with a utility bill with my current address on it ... thanks In advance
Complaint sub-issue: Account information incorrect

On XX/XX/2022, I recieved notification of a fraudulent credit card being authorized in my name for the amount of {$22000.00} with a company named UPGRADE. I did not authorize this and have notified the company however they stated that they could not Clos the account at this moment. This company does not have my approval to carry out such contract and I would like for it to be removed immediately. I have screenshots of the email that was sent to me. I have also recieved notification that a lease line of credit has been taken out in my name with XXXX in the amount of {$1400.00}. My claim of detachment listed above applies to this company as well.
Complaint sub-issue: Information belongs to someone else

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$54.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXBalance : {$340.00} XXXX XXXX XXXXXX/XX/XXXX XXXX CXXXX 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 XXXXXX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

SOMEONE GOT A HOLD OF MY PERSONAL INFORMATION. AFTER PULLING MY CREDIT REPORT I NOTICED SEVRAL INQUIRIES OVER THE LAST YEAR THAT II DID NOT APPLY FOR OR AUTHORIES ANYONE ELSE TO APPLY FOR ANY CREDIT IN MY NAME. I HAVE FILED A POLICE REPORT WITH MY LOCAL AUTHORITIES AND HAVE SUBMITTED AN FTC AFFIDAVID IN REGARDS TO THIS MATTER. AND NOW I AM SUBMITTING A COMPLAINT WITH YOU TO HAVE THESE ITEMS REMOVED.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I spoke with the creditors and I also called XXXX XXXX and I was given false information from both parties concerning ways of getting this problem resolved. I was told in the past XXXX XXXX were experiencing problem with this situation.
Complaint sub-issue: Report provided to employer without your written authorization

Credit report inquiries that I didn't approve of
Complaint sub-issue: Personal information

incorrect addresses listed on credit report. My address is XXXX XXXX XXXX XXXX ny XXXX. And my Job is At the XXXX XXXX XXXX.
Complaint sub-issue: Received bad information about your loan

I have recently leaned that some students can make retroactive payments on their Fed Loans. I contacted Fed Loan today and was told that I can not make retroactive payments from XX/XX/XXXX to XX/XX/XXXX because I was in deferent while in school. This is not true. I was never billed for the loan during their set up period. 

Fed Loan has had me in deferent or forbearance for two years and I had to file a School Related Deferment Waiver Form to come out of deferment for incorrectly being placed there while I was making payments. I was never allowed or afforded the opportunity to make retroactive payments from XX/XX/XXXX to XX/XX/XXXX and was never billed for this period. From XX/XX/XXXX to XX/XX/XXXX I made payments without being billed. 

Then my loan was transferred to XXXX then some other company, then Pheaa, then Department of Education then XXXX then Fed Loan. This all occurred from XXXX to XXXX. During this time, I was in school and making payments since XX/XX/XXXX. My loan was not payable until around XX/XX/XXXX ( as per the Direct Loan letter ) when I was sent to XXXX XXXX. 

In XXXX I asked to make payments but was told that the program was not set up and payments will be sent back to me. In XXXX a financial person on TV said to make the payments ASAP. I called XXXX XXXX  ( Fed Loan affiliate ) at the time and was told how much my payments were, but no payments were due, and no bills were sent out. I still made the payments by what Fed Loan told me over the phone. 


Please review my paperwork. I had the same XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and I transferred to another XXXX XXXX XXXX. I work for the XXXX XXXX XXXX 

I would like the opportunity to make these retroactive payments from XX/XX/XXXX to XX/XX/XXXX. Thank you for your time and consideration in this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus XXXX, XXXX, XXXX delete these late payments and update my profile
Complaint sub-issue: Information belongs to someone else

These accounts are fraudulent : XXXX XXXX {$180.00}
Complaint sub-issue: Account status incorrect

CFPB + Equifax + XXXX XXXX, To Whom it May Concern : On my XX/XX/XXXX Equifax credit report it says I have late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on the below XXXX  XXXX account : - XXXX  XXXX XXXX XXXX XXXX  XXXX Enclosed with this complaint/dispute is a letter from XXXX  XXXX dated XX/XX/XXXX that clearly says they have submitted a request with all 3 CRA 's , and Equifax, to remove the delinquencies from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The letter clearly states my account was a secured card, was closed XX/XX/XXXX, with a {$0.00} balance owed. 

Therefore, there should not be showing late payments as well for XX/XX/XXXX and XX/XX/XXXX. 

Enclosed with this complaint are : - my drivers license - my address- my w2 for social security number proof - written complaint - letter from XXXX XXXX - screen shots of my Equifax report where these are showing Please have this handled, as the letter from XXXX XXXX says immediately, as this false information is damaging my credit and my ability to obtain credit.
Complaint sub-issue: Trouble using the card to pay a bill

my Social Security payment money was fraudulently stolen from my card Direct Express card. Direct Express will not resolve the fraudulent theft after many attempts by me and I have heard nothing from them for a month since reporting the theft.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

I paid my {$5000.00} debt relief. They have 3 companies involved. At the same time I hired debt relief, I hired XXXX. XXXX Finished months ago. 

Debt relief and now with XXXX XXXX, say I pay until XX/XX/2025, insane, fraudulent. 
I've called them, they yelled and Argued with me. Companies are not supposed to do that! 

I have paid {$200.00} a month for almost 2 yrs. What are they doing with my money. I'm done
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 U.S.C 1681. 

XXXXXXXX XXXX  Account # XXXX, XXXX  XXXX Account # 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

On  XXXX / XXXX / 2011  I paid off  XXXX   XXXX   XXXX  Bank {$7700.00} for a truck loan and received the title. Upon checking my credit report I discovered  XXXX   XXXX   XXXX  Bank had a remaining balance on my account for the amount of {$560.00} and was coded as a charge off. Please see attached supporting documents that dispute this report as well as a copy of the report.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX  on XX/XX/XXXX to dispute a BB & T Acccount that is reporting inaccurately on my credit profile. They returned a response of verified as accurate in which I am quite behooved. I myself contacted BB & T and they were not able to validate this account. First off let me say I do not have an account with BB & T. I did get approved for a car loan and did sign documents for the loan. BB & T Sent the check directly to the car dealership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX ( Car Dealership seems to be Now closed down ) I was never delivered a vehicle and NEVER took possession of the vehicle. This was also known by bank rep XXXX who handled the loan process who in turn tried to contact the car dealership and was not able to locate the vehicle. XXXX and the dealership both confirmed to me that the check was received by the dealership in the amount of {$31000.00}, I have a voicemail recording from XXXX that will serve as proof that I NEVER taken possession of ANY vehicle. Fast forward a few months. I reached out to XXXX a few more times and to no avail was I able to reach him, even went into the local branch and was advised he was out to lunch. 
( I know feel as though he was avoiding my calls ) A few months later I check my credit report in the process of refinancing my home and I notice a collection/charge off in the amount of {$31000.00}. Mind you I was never sent a bill, statement, payment due notice, or past due notice from BB & T. I'm quite confused on how an account that is reporting as an auto loan didn't go through the repossession phase. How did it go straight to charge off if its indeed an auto loan? Wouldn't BB & T want possession back of a XXXX car that not being paid for? Clearly there is an error somewhere, and clearly BB & T KNEW that I NEVER took possession of that car and still trying to collect on the debt. They sent the check to the dealership, wouldn't that discrepancy be between the Bank and the Dealership? 
I contacted BB & T directly on XX/XX/XXXX @ XXXX XXXX  talked with XXXX, XXXX, and XXXX who all advised that I signed for a personal loan and not a auto loan which is why no repossession occured. So my question to them was why is it then reporting on my credit report as an auto loan? Clearly there is a numerous amount of errors in the reporting of this debt and I requested for XXXX  to remove based on the FCRA violatons. I even noticed there is no dispute notation noted even after contacting BB & T via certified mail, I sent proof of the validation request, and a screenshot to XXXX  showing no dispute notation and they are continuously responded back to my dispute as verfied WITHOUT launching a complete investigation into this matter. There is no way in the world this account was investigated and verified as accurate.
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 : 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Complaint sub-issue: Other problem getting your report or credit score

I called Equifax numerous times to ask why my credit score is not reporting. They have never answered my question of why my score is not reporting. They continue to say they are investigating it but I never get a response back from them. I personally think someone screwed up my account over there and they are covering it up. This is affecting my business and my personal life because lenders keep asking why can't we see your Equifax score as if I am hiding something from them. I would like to know if there has been some mishandling of my account and if not then why is my score not reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a credit dispute with Equifax on XX/XX/2021, to remove inaccurate information on my Equifax Credit Report. I provided a copy of my XXXX Credit Report that shows they removed the Bankruptcy because they were unable to verify the accuracy of the record. 

Equifax responded on XX/XX/2021 that they did not remove the item from my credit report. 

I am requesting that the inaccurate information be immediately deleted from my Equifax credit report.
Complaint sub-issue: Inadequate help over the phone

In checking XXXX XXXX, there were XXXX inquiries on my XXXX credit report that I believe should not be there. I have contacted XXXX, via certified letter and approximately XXXX telephone calls. These communications date back to XXXX XXXX, 2016. 
The outcome from Equifax on all means of communication was that those are factual information being reported, they would not removed them, and I need to contact the companies. I asked for a supervisor and they would not transfer me, rather chose to be argumentative and hang up on me. 
With the advise from the Equifax representatives, on XXXX XXXX, 2016, I contacted the XXXX companies ( XXXX XXXX, XXXX and XXXX ) via certified letter. The outcome from all three of the companies is that they are promotional inquiries and they would not be removed. 
Today XXXX, I again phoned Equifax wherein they once again refused to delete them or transfer me to a supervisor. Although, this time the representative advised that the pulls were actually hard pulls rather than promotional and they have effected my credit rating. 
I am seeking your assistance in having them taken off my report. Should you need copies of my documentation, I will certainly provide the same.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I've sent a letter for validation back on XX/XX/XXXX. I was not sent all of the items to confirm validation. 

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Complaint sub-issue: You never received your bill or did not know a payment was due

Between XXXX XXXX and XXXX XXXX 2017, Citi did not send me emails notifying me of a statement available on my account, in violation of the Fairness in Lending Act and their Paperless Terms & Conditions. Citi has reported delinquent non-payment during this period to the credit reporting agencies. This card was not linked to my online account during at least this time period, potentially even longer. No balance due was visible to me, and I was not able to access current or prior statements online. Thus, emails regarding statements which were actually sent about or after this time period did not materially provide a statement. They only contained a link to my online account which this card was not linked to. When I called Citi on XXXX XXXX, 2017, Citi was unable to confirm an amount due against my card. Citi never alerted me to : the original balance due, a failed AutoPay, my removal from AutoPay, or a deliquent balance. Citi failed to adequately contact me by email, phone, or mail regarding this issue. The attached emails constitute the entirety of email communication from Citi regarding this account between XXXX XXXX - XXXX XXXX, 2017. Citi has claimed to have contacted me via mail which is false. The only potentially related contact I have are identical voicemails on my phone from XXXX advising me, at their most explicit, to " login at www.citicards.com and review your account status ''. Which I did. Which again did not show any balance due or problems with my cards visible there. I informed Citi of the missing statements on XXXX XXXX2017 which meets the deadline under the Fairness in Lending Act.