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

On both the Equifax and XXXX  Credit Reports there is a duplicate in the derogatory marks area. There is a {$910.00} debt to XXXX XXXX XXXX XXXX that is listed twice. I want the duplicate entry deleted. That would leave 4 derogatory accounts. However, when I tried to file a dispute with Equifax online I was unable to submit the complaint. First they ask for a 10 digit confirmation number that they never gave me. Then I tried to file the complaint and the website would not accept it. Same thing with XXXX. They do not allow people to file disputes.
Complaint sub-issue: Information belongs to someone else

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Discover Financial. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$22000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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, 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: Account information incorrect

I have been dealing with an Ongoing Error In Payment History Reporting with XXXX XXXX listed as XXXX XXXX XXXX XXXX XXXX on my XXXX and XXXX Credit Report. I have to file a complaint and contact this company almost every month regarding their errors. On my XXXX and XXXX Credit Reports, my account is showing an erroneous 30 Day Late Payment now in XX/XX/XXXX once again as of their last update as of XX/XX/XXXX. However, there were no late payments in XX/XX/XXXX at all. Prior to the company 's last update in XX/XX/XXXX the listing was showing correct with zero late payments listed at all. The error was resubmitted when they did their last update and added a 30 Day late payment in XX/XX/XXXX. As of XX/XX/XXXX when they attempted a force update to correct the error, they changed the 30 Day late payment from XX/XX/XXXXto XX/XX/XXXX on both XXXX and XXXX. Although they keep making these errors they insist on me sending them copies of the errors that they have made to my report which I have done although they have the ability to do a soft inquiry which does not affect my credit score to look at what they are reporting. I have spoken with numerous Customer Service Representatives, Managers, and Supervisors from this company. The last Supervisor that I spoke with was XXXX XXXX on XX/XX/XXXX requested me to forward the emails that I had originally sent to the company 's main email address of XXXX to his email of XXXX. I did and he advised that he would get the issue corrected. However, as of whatever he or a company representative did I am now showing an erroneous 30 Day Late Payment in XX/XX/XXXX as of their update on XX/XX/XXXX. I attempted to contact XXXX on the telephone number that he provided and it advised that the number could n't take calls. I then emailed him again on XX/XX/XXXX and have yet to receive any response. I am tired of dealing with this issue as it is negatively impacting me, my credit score, and credit reporting as the company has a duty and obligation to report accurate information an in every instance that I make them aware they are reporting an error they have acted as if it is not a big deal. This issue was also causing me to be denied for a credit limit increase but as of last month I finally received my first credit limit increase. I have notified the company of this error multiple times via email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Whenever the issue is corrected, they make the same error all over again and take me through the same process. I am in the process of purchasing a home which makes this worse and urgently need a permanent fix to this issue.
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute in regards to inaccurate information being reported in my credit report. Below are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXXXXXX 4. XXXX XXXX XXXX 5. XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

MULTIPLE FRAUD CHARGES ON XXXX. 

CALLED AND FILED A DISPUTE XXXX AMERIS BANK AND I STILL HAVENT GOTTEN MY MONEY BACK.
Complaint sub-issue: Account information incorrect

satisfaction of civil judgment. Balance due to the creditor is {$0.00}, however, credit report showing that account was charged off and that there is a balance due.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax XXXX XXXX  and may have gotten into hands of the wrong person.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX I filed complaint # XXXX against Equifax regarding inaccurate information listed on my credit file and improperly investigating my disputes. In my complaint I listed the accounts that needed to be reinvestigated. I have made several attempts within the last 6 months to resolve this issue with Equifax. It has hindered me from a positive financial future. I recently called Equifax on ( XX/XX/XXXX ) and spoke with XXXX, a manager in the Consumer Affairs department and explained that I have filed a complaint regarding the accounts and issues Ive been dealing with. She advised me that she was aware of the complaint and advised me that I needed to file a FTC report to have my issue and complaint resolved. She advised me that upon sending in the FTC report the items would be deleted from my credit file. So I faxed my FTC report over to Equifax and called back to verify they received it. I then spoke with XXXX and he verified my identity by asking me to take a picture of myself as well as my license. He was able to see my CFPB complaint as well as my previous disputes and the FTC report I was told to send in by XXXX. I mentioned to XXXX that I had discovered some new information on my report that was unauthorized and had been newly added when Equifax received my CFPB complaint. I advised him of the conversation I had with XXXX about sending in the FTC report and having the items removed from my report! He agreed that she was correct and the items would be removed now that they have received the FTC report. I named all of the accounts that needed to be removed and XXXX advise that he was sending a request to have the items removed. He provided me with a confirmation # XXXX and reassured me that my disputes and CFPB complaint has been resolved but that confirmation number was only for the newly information that was added after Equifax received my CFPB complaint. Today I received notification from the CFPB to review Equifaxs response to my complaint. Equifax response was unfamiliar to me because the accounts that Equifax states that have deleted were never on my credit file, I didnt list these accounts in my complaint. Equifax didnt properly investigate my complaint or dispute but instead added a response belonging to another consumers complaint and credit file. My Equifax credit report still lists the inaccurate accounts I listed in my complaint, dispute and FTC report. Equifax has listed accounts belonging to another consumer and is misrepresenting these items as if they belong to me. Equifax is alleging that the items I disputed has been removed but their still listed on my report as of today.
Complaint sub-issue: Debt is not yours

I recently had an amount added to my credit report from a company called XXXX. They claim it was from XXXX XXXX XXXX. I have never had XXXX XXXX XXXX. They are trying to get me to pay {$1100.00} and say the account was opened XX/XX/2021. I have filed a dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I received an response from Equifax about a prior CPFB complaint. And their response did not solve any issues I am having on my credit report. Their response stated that I have not applied for credit, I have not used my credit in the last 10 years or I haven't been issued a Social Security card.This is another stall tactic that equifax is using to not remove the inaccurate information on my credit report. The incorrect items on my credit report is an account from XXXX XXXX XXXX in which they stated was verified but never sent anything to me stating what they used to verify it was accurate. Also an account name XXXX Bank that i have disputed several times. They also have incorrect addresses on my account. Equifax still haven't sent anything to me anything verifying these accounts. Also how come their response to my previous CFPB complaint they stated they cant find a report on me or because I haven't used my credit in the last 10 years, but can state these accounts were verified on my credit report with them?
Complaint sub-issue: Their investigation did not fix an error on your report

I paid Money Lion off on XX/XX/2022 which shows a {$0.00} balance and that the account was closed. However, they still keep reporting charge offs to the credit bureaus. A charge off was reported for the month XXXX and XXXX. I have sent a dispute but as of today nothing has been fixed.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Earlier this summer, my wife and I were planning to fly to XXXX on our first vacation in five year years. We have been saving for some time for this trip, and unfortunately, due to COVID-19, we were unable to fly to XXXX as all domestic travel was grounded. 

Our airfare was {$2100.00} and we have uploaded the supporting documentation to Discover Card Services, which they requested that the airfare was handled by XXXX XXXX. XXXX XXXX, who we booked the travel and airfare insists that the chargeback was sent to Discover, and Discover claims to have no record of it.

First, Discover stated that they in fact did have the money, but we needed confirmation it was not to be sent back to XXXX. Then, Discover claimed we needed to provide proof that the {$2100.00} was in fact for airfare. Then, Discover claimed we needed to provide proof that we had requested a refund from XXXX. Then, Discover claimed we had to provide proof that XXXX did not have our money, which amazingly, XXXX was able to provide in the form of written documentation. Then, Discover claimed we had to provide proof that we were due a refund in the amount of {$2100.00}, which we were able to provide. Then, Discover claimed we needed to provide this proof not through our travel agent, who booked the airfare on our behalf, but through XXXX, which we were able to do through proof of a partial refund for other expenses. At each point, we have requested the same thing, the {$2100.00} charged be removed. At each stage Discover has refused to comply. 

Please intervene to remove the charge.
Complaint sub-issue: Reporting company used your report improperly

15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b ( a ) ( 2 ) - permissible purpose of consumer reports Equifax has violated my privacy and consent. They assumed a vital role in assembling and evaluating consumer credit and did not exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax never requested or obtained written instructions from me to use my information
Complaint sub-issue: Information is not mine

Equifax is reporting inaccurate information about my mortgage, car, and other older claims that should be removed such as medical bills, etc. discharged in bankruptcy.
Complaint sub-issue: Investigation took more than 30 days

I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureaus Equifax and XXXX on XX/XX/2022. It has been well over 30 days and I haven't received any investigation results. 

Kind Regards XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021. I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Frequent or repeated calls

For several months I've tried to set up a payment plan for my account. I have called several times, no one would return my phone call, nor will they assist me with resolving this debt. They have turned my account over to a collection agency and increased the amount of the debt that I owe.
Complaint sub-issue: Reporting company used your report improperly

This Company is listing a bankruptcy on my report which is a error and haven't been verified.
Complaint sub-issue: Can't close your account

XXXX XXXX  currently has a checking account # : XXXX open in my name. The checking account is a fraudulent checking account thats not my checking account. I never opened the checking account. The checking account dont belong to me. I want XXXX XXXX  to immediately close the checking account and online banking access to the checking account thats currently in my name. The checking account dont belong to me.
Complaint sub-issue: Received bad information about your loan

I have been on income based repayment since XX/XX/XXXX. During this time, I have had multiple services and am currently with Fed Loan. I have submitted my employment certification form to fed loanfor my employer from XX/XX/XXXX to XX/XX/XXXX. This was accepted as a qualifying employer. I have made 81 payments from XX/XX/XXXX to XX/XX/XXXX. This is based on review of my bank statements to make sure payments were made. However, the count on the website for qualifying payments is still 21 ( i.e. 5 years worth of payments is missing ). I asked for a manual count in XX/XX/XXXX. I then reached out to the fed loan ombudsman around XX/XX/XXXX. I have reached out to them multiple other times for status updates and they verify that manual count is still not completed. Once i submit my new employer certification from XX/XX/XXXX to present, I should be at 102 payments ( close to forgiveness which occurs at 120 ).
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX - XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25.00}.
Complaint sub-issue: Frequent or repeated calls

I received multiple calls that are flagged as Robocalls from Allied Interstate. The calls continue repeatedly through out the day even on weekends, as early as XXXX XXXX. As I am not familiar with this company and have not been contacted by them before, I asked that they please mail me a letter regarding the debt so that I may verify. They continued to call the and stated that the collection calls will not stop until I make an agreement with them. On another call I again asked that they please allow for some time for the letter to be received and I would follow up with them and the representative stated they will not stop calling me and will continue calling multiple times until an agreement is made. I feel that they pressure you by calling repeatedly and do not allow you to ask questions or ask to have the information verified.
Complaint sub-issue: Account information incorrect

I have a lot of hard inquiries on my credit report that I disputed with the three major credit bureaus. I also disputed them with the companies that submitted the hard inquiries. Second I an account that shows late payments that is incorrect.
Complaint sub-issue: Was not notified of investigation status or results

hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Complaint sub-issue: Didn't receive services that were advertised

As a victim of identity theft I have frozen the credit reports for myself and my wife several years ago. I was excited that I can now do the same for my minor child as part of the new law. This Minor Freeze should be free. 
With some difficulty I have now accomplished this with XXXX  and XXXX. However, I have not had any success with Equifax. They have the wrong information on their web site, which has been linked to in countless publications at : https : //assets.equifax.comXXXX   This link says to mail the paperwork to XXXX XXXX XXXX XXXX, GA. When I did this on XX/XX/2018 they rejected my request. They sent a nonsensical letter dated XX/XX/2018 that said I needed to send all the information I had already sent along with a fee. They also suggested I send to a different XXXX XXXX ( XXXX ) also in XXXX. I have called them several times in XXXX and XXXX, most recently, XX/XX/2018. Each time they tell me this address is wrong, and give me various other addresses to use, most recently XXXX XXXX XXXX in XXXX. They also tell me the proofs listed on the same form online are also wrong or incomplete. 
I believe they are making no effort to comply with this very important federal law because they have not even bothered to change the link to the PDF on their web site for this important process ( https : //help.equifax.comXXXX ). It has been two months and they have not bothered to fix this data on their site. They have also promised to call me back from a manager and have not done so. 
I am certain others have encountered the same difficulty I have. If they won't respond to me perhaps they will respond to your regulatory agency. Please help, I do not feel confident mailing our personal documents again to this company when they can not even get this basic information straight.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account status incorrect

I recently pulled my credit and notice an account that was showing up as a charge off. I knew this was inaccurate, so I sent XXXX XXXX a letter to investigate this back in XXXX of 2022. With their investigation they updated the account and removed the balance they were reporting, as well as they sent me a refund check on that loan ( which was the same amount that they showed I owed. ) So obviously it was inaccurate. 

Then I sent a letter in XX/XX/2022 to EQUIFAX to investigate the account because EQUIFAX is still reporting it as a charge-off in the payment status. 
There has been no update, no investigation and this error is harming my ability to finance a home. 

The account was never charged-off. I have included The letter I sent to them, a copy of the check they sent me for the refund, and the copy of letter I sent to Equifax. 

A PROPER INVESTIGATION, NOT JUST VERIFYING THAT THE NAME AND ADDRESS MATCH, THE ACCOUNT IS REPORTING CLOSED, SO DO NOT RESPOND WITH WE VERIFIED THIS ACCOUNT AND THE ACCOUNTS REPORTING CORRECTLY .... BECAUSE IT IS NOT REPORTING CORRECTLY.