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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the incorrect information about my accounts have been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my reports : XXXX XXXX Opened XX/XX/XXXX Balance XXXX - ( bankruptcy ) XXXX BANK XXXX Opened XX/XX/XXXX Balance - XXXX - ( bankruptcy )
Complaint sub-issue: Their investigation did not fix an error on your report

This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They have removed the report from one of the credit bureaus but not the others. I have requested validation and not verification for the multiple accounts they have listed sent directly to their company in XX/XX/2020 and still no response. This leads me to believe they have no binding contract and are reporting this information illegally.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect information on my report. It has been well over 30 days & I haven't received my investigation results.
Complaint sub-issue: Debt was paid

Account number XXXX was reported as a charge off and later paid off to Conns department store. I then received a check from conns on this account after they collected the charge off money saying that this charge off was paid. I have been calling different areas of conns since XXXX  of 2017 trying to figure out why This has not been removed off my credit report and off the account that is reported to their sales team in the store. I have spoken to several people and everytime I would get we are working on it or I do not know what else to tell you are this will be resolved in ten days. I have patiently waited and ask for some relief.Conns have no answers. They apologized but still no results. They have initially stated that they are walking over to the accounting department and I will get call backs and nothing transpired. almost 1 year later.The third party to whom apparently they sold the debt to can not be reached. I received no correspondence from conns as to why they accepted the money and not removed this block and report on my credit file. This is currently still happening. They explained to me two months ago that they have requested a roll back on the reporting and nothing transpired. I need an explanation of where is the money that was supposedly paid to this account who has it and why has this not been removed off the account immediately. Since then I have spoken to a XXXX XXXX and awaiting any correspondence that he may have and so far nothing has transpired.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX   XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX, and 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: Having problems with customer service

I submitted a complain about the company, Case number : XXXX. The company responded by copying and pasting text regarding their policies. My problem was not addressed. I still have the same issues as described in the original complaint. No one called me. I am still being charged {$5000.00} as a payment. My case was marked as being complete with no further actions planned by the company.
Complaint sub-issue: Confusing or misleading advertising about the credit card

PNC XXXX XXXX XXXX had sent out a promotional mailing that said the card had a 4 % payback on ALL purchases. After spending a few thousand dollars I went to cash in my XXXX points and the " conversion '' to cash back and applied to my account and the conversion to cash was only {$22.00}! The 4 % points generation ( XXXX ) are actually not worth {$110.00}, which would be the case with all my other 1 % card cash back, like XXXX, XXXX, XXXX, etc. Thus, the net cash back is not even 1 %, but rather only 0.8 %. I call this false advertising!! 

I talk to a PNC rep today ( XX/XX/18 ) and he said you get less on cash back and most people use gift cards. Well I check the conversion to two gift cards, XXXX and XXXX gas. The conversion is the same, NOT point per dollar, the same 0.8 % conversion of point to dollars. Very deceptive advertising!
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted each of the credit bureaus multiple times regarding accounts that I don't recognize reporting on my credit and requested an actual investigation. Unfortunately, that never happened. I was told the items were verified but I conducted my own investigation and contacted the company directly and they did not verify anything with me. I even sent proof to the credit bureaus of my communications with the creditor and they never responded. Additionally, they responded to my first request well after the 30 days. My rights as a consumer have been violated by the bureaus in more than one instance and something needs to be done.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The incident happened today XX/XX/2021. I tried to file a dispute with XXXX and was given a hard time. They refused to provide a dispute number and when pressed about it, they disconnected the call. 
My Dispute that i tried to submit to XXXX was about AES : due date, amount due, total loan amt, lender, type of loan, and monthly payment amt. 
AES is not providing correct information to credit reporting agencies and is messing up my credit score. XXXX did not appear to want to file a dispute and refused to give a dispute number. There was another line item dispute for charity services that was then reported as debt. I do not know weather that was disputed either.
Complaint sub-issue: Account information incorrect

In XXXX XXXXXX/XX/XXXX and XXXX, there were 2 accounts opened by XXXX when I had asked for a credit card. Un beknown to me they created 2nd account and sent me a card in the mail along with access to a digital card the day I had applied. I was unaware of the 2nd whole new account created. When I had made a purchase with the digital card, I had made my first payment on time and signed up for auto pay to make sure that it was being paid in full in the event i make a purchase. We had went to the store in person and made a purchase using the physical card, we were under the impression that the physical card was an extension of the digital one and they were linked and the bill would be auto paid as set up prior. Since XXXX XXXX had 2 accounts created for me I was never made aware that i owed a balance on a separate credit card under my name. This resulted in a 60 day late show up on my credit report, and lowered my scores. 

I had asked XXXX to fix this mistake. I was given one excuse after another. They would not acknowledge the 2 cards being opened, my credit report shows otherwise and I had to escalate the matter. Upon escalation, I was told there would be an investigation and this matter would be resolved... fast forward 2 weeks, receive a notice stating that they were not going to fix this. I have went above and beyond to resolve this matter and they are unwilling to correct the issue. There is no reason why I would want 2 credit cards opened with XXXX XXXX and both created 1 day apart.
Complaint sub-issue: Account terms

All XXXX credit bureaus are reporting a " student loan '' showing as the US Dept. of Education. Through investigation from US Dept. of Education XXXX the account was sold to XXXX - then after it was sold to a debt buyer " XXXX XXXX '' the account was paid in full by the IRS. The debt buyer XXXX XXXX is illegally misrepresenting themselves and not only showing the balance is still owed but by also falsifying their name as being the US Dept. of Education to illegally report. Debt buyers per the FTC in regards to FDCPA can not report on credit.
Complaint sub-issue: Information belongs to someone else

1 ). On XX/XX/XXXX, I faxed my first round of dispute letters to Equifax Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, Equifax Credit Bureau had 30 days to delete all fraudulent information from my credit report.

2 ). On XX/XX/XXXX, I faxed a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to Equifax Credit Bureau, XXXX XXXX, and XXXX XXXX XXXX. This was my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX XXXX, opened onXX/XX/XXXX, with a balance of {$1800.00}. XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$75.00}. XXXX chXXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, XXXX, inquired on XX/XX/XXXX. XXXX  XXXX XXXX   XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX was supposed to remove : bankruptcy, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX  XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. XXXX was supposed to remove : bankruptcy chapter XXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, with a balance of {$2500.00}. XXXX XXXX XXXX, account number XXXX, with a balance of {$3100.00}. XXXX XXXX XXXX, account number XXXX, with a balance of {$4600.00}. 
3 ). Equifax Credit Bureau, XXXX XXXX, and XXXX XXXX XXXX had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and XXXX ).
Complaint sub-issue: Reporting company used your report improperly

N Accordance with the fair credit reporting act XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX 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.
Complaint sub-issue: Debt is not yours

Multiple calls and texts every day to my cell phone stating that I owe debt to a company that I have never had any type of dealings with
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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: Reporting company used your report improperly

Equifax, is reporting fraudulent inquiries to which I received no benefit from.
Complaint sub-issue: Account information incorrect

On or around XXXX-17 I noticed that account that were discharged in bankruptcy were still showing on my credit report. I no long wish for my personal information to be available through XXXX XXXX, Equifax, XXXX please opt me out of any and all commercial services available to the public or Third party companies. The following companies and information is list in error on my credit report : XXXX XXXX XXXX # XXXX, Please delete error. This account XXXX XXXX # XXXX was in a Bankruptcy please delete error. I was under the impression that bankruptcy information and date was being removed from credit reports if that can be updated that would be great so I can refinance my home. These account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, are listed wrong please delete bankruptcy.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act Jefferson Capital Systems Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to apply for a checking account at US Bank in XX/XX/XXXX. When I applied I I was told by Assistant Manager XXXX XXXX that I will pre approved for a line of credit. I asked him several times if I decided to proceed, would this be a hard inquiry on my credit report. He ensured me that it would not be a hard inquiry it is a soft inquiry. I then decided to proceed. He also stated that I would have 30 days to apply for a credit card using this soft inquiry. The next day decided to try to apply for a credit card after knowing this. That same day I got a credit monitoring alert from XXXX and XXXX which showed a hard inquiry on my credit reports. I called and spoke with XXXX about this the next day and he stated that " he never said it would n't be a hard inquiry. '' He is then told me that I would have to send in a claim to there claims department. I called their claims/fraud department and started a dispute with them. A few weeks later I received a letter stating these inquiries we 're verified. I decided to call the branch back and I spoke with the branch manager XXXX XXXX. XXXX stated that there is some information on his end that needs to be submitted and offered to call me back. He called me almost a week later and said that he submitted the necessary information so that these can be taken off. It has been nearly two months since he told me this and the inquiries are still showing on my XXXX and XXXX credit report. I have not contacted them back since because at this point I 've lost faith that they did their beat to rectify the situation.
Complaint sub-issue: Their investigation did not fix an error on your report

Under all applicable FCRA & FDCPA regulations, I request a description for the procedures used in verifying these accounts
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I submitted a certified letter to Equifax to dispute unauthorized inquiries that were listed on my credit report. My dispute was received by Equifax on XX/XX/XXXX. In my dispute I requested for the removal of seven unauthorized inquiries. I did not authorize any of the disputed inquiries in writing or verbally. These inquiries occurred on two different dates XXXX XX/XX/XXXX & XXXX XXXX ) in a state/s where I do not reside. The Equifax website stated that my dispute was completed on XX/XX/XXXX. When I reviewed my inquiries online, all of the inquiries that I disputed were still listed. I then contacted Equifax via telephone to find out why my dispute of these unauthorized inquiries were denied, and I was told that I needed to contact the lenders who reported the inquiries which I had already done. When I requested a copy of the description of how the investigation was conducted, Equifax denied my request and sent me a copy of my credit report in the mail. I also requested copies of an application or any other documentation that shows that I authorized the lenders to obtain my credit report. Documentation should have been submitted to Equifax by all of the lenders who reported these inquiries if I authorized them to obtain my credit report. I did not authorize any of the disputed inquiries neither did I have knowledge of these inquiries. Equifax denied my dispute as if the unauthorized inquiries that I disputed were proven as factual from an investigation that never took place. Equifax violated the Fair Credit Reporting Act by through it's failure to reasonably investigate the disputed information.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2019 I submitted a complaint to Equifax and disputed several items. In that dispute I requested to get the information they had to prove the accounts were valid as several of the accounts were not in fact valid. The dispute came back with only wording stating we verified that this account is in fact yours and no information to back up if it truly is mine or not. No way for me to verify or validate that it is mine as several of the items are still questionable. Several inquiries on my report were not done by me or given permission to obtain my report. Equifax has refused to remove them. They are as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and Equifax mortgage services. I did not give these companies permission to run my credit. 

There are a few accounts as well showing on my reports to which I have not received any validation from them or Equifax showing they are true and valid. They are as follows : XXXX XXXX they just tell me that this item belongs to me without any validation to the actual item. 

XXXX XXXX  they just tell me that this item belongs to me without any validation to the actual item as this account was input with my bankruptcy which was XXXX and has since been removed from my report. 

The XXXX XXXX XXXXi they just tell me they have verified that it belongs to me when theres nothing that says otherwise and no proof. 

XXXX XXXX XXXX also tells me that they have verified that the account belongs to me and nothing shows further from the truth except taking the companies word for it.
Complaint sub-issue: Other problem getting your report or credit score

Hello, I have 5 total credit accounts two of the most recent are XXXX ( 9 months old ) and XXXX ( 8 months ). Oldest account is 5 years and 7 days old ( XXXX card ). All of the credit bureaus except for Equifax have all of my credit history. 

Equifax has none of my information and In 2 separate attempts talking with them on the phone today, they say they have no record of me ever having credit anywhere and cant find any of my information to verify my I.D . 

They have said that there is nothing for me to do except ask my credit card companies to keep trying to send them info which they are doing, and all of the other credit bureaus are getting them successfully I dont know what to do anymore. XXXX trying to get a mortgage but it seems like its impossible because they act like my social security number isnt even real, let alone getting them to link my accurate credit info, and wont give me any other options.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2019 I had wrote all 3 major credit bureaus disputing the accounts in question I had also wrote the creditor disputing the balance as well on XX/XX/2019 and XX/XX/2019, XX/XX/2019. This account is till reporting on all 3 major credit bureaus and now I have collections calling my phone on an account I did not opened. I Have been overseas for the past 3 years and I have been disputing this account since I have been back into the states. I m a victim of identity theft and i have provided copies of my XXXX papers and dispute letters and yet they are still trying to collect money due on the account
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX SSN :  XXXX Equifax XXXX XXXX Dispute Inquirys Dear Equifax XXXX XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX XXXXXXXX XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXl Inquiry from XX/XX/2020 XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020XXXX XXXX  XXXX Inquiry fromXX/XX/2020  XXXX XXXX Inquiry from XX/XX/2020XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry fromXX/XX/2020In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX