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

I have a loan with the accounts below. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting the EQUIFAX with no successful resolution. There was definitely an error on their part. I've disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & I'd like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611,616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Complaint sub-issue: Account information incorrect

Equifax is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/XXXX Equifax - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX It is over XXXX and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 XXXX XXXX XXXX XXXX XXXX  ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within XXXX it gives a reason to immediately remove those items from my credit report. it has been over XXXX, so they should be deleted immediately.
Complaint sub-issue: Debt is not yours

Since XX/XX/2020 I have reached out to this collection agency Valley Credit Services also known as VCS requesting for verification. Valley Credit Services responded saying it has been verified. I then asked them for a contract with my signature showing we have a contract to do business, they responded without a contract stating they will not respond again and by law they are not required to respond to my request of such. Secondly, Valley Credit Services VCS, report to the three credit bureaus different amounts to keep reporting one month they report {$610.00} the next month they're reporting {$610.00} and back and forth switching the dollar amount they are requesting. They are a debt buyer trying to collect money that's not owed to them and tarnishing my credit at the sametime.
Complaint sub-issue: Their investigation did not fix an error on your report

My elderly XXXX had a XXXX XXXX XXXX. She wanted to collect XXXX XXXX as points with large purchases. I moved to help prepare and continue caregiving for her. I used the card, letting her know, for my moving and storage costs. I paid a portion of the bill and she then asked me to start to pay her directly because she is in dispute with XXXX. Instead, XXXX keeps reporting this card on my account. I have written two letters, responded to a request via handwritten form mailed as well as have called, with my mother in the room. I've called several times. The XXXX XXXX says my name is not associated with the account. The account shows up on ALL my Credit Reports. I am trying to buy a Home as I am a student and need stability. This is preventing me from using Down Payment assistance programs and has forced me to miss out on home purchasing while the interest rates were lower. My credit was stellar prior to this. This is an act beyond norm as I have also been harassed and investigated, without reason, by them. They are interested in taking over my mother 's assets as well. All of it is unfair, unjust and I've tolerated enough. The XXXX Legal Dispute team for Credit Issues located in XXXX XXXX has not responded nor have the individuals. My Credit report was just run again today and still shows the issue. They confirmed removal in XXXX, XXXX and XXXX XXXX XXXX I checked again and a mortgage lender tried and found issues still. By XX/XX/2022 the issue still existed and I wrote a follow up letter. My credit score has gone down another XXXX XXXX XXXX This is such a blatant attempt to try to put stress on an already stressed family dealing with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Please assist. 

Thanks! XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed a dispute claim on XX/XX/2019 to Citi Bank Credit card for not getting the quality of services of goods i ordered from a store that is walking distance away from my home. I ordered windows for home to be energy star comply with the area and state where i live but i received a bow window with different design than i asked for and other windows were not energy star comply. the merchant didn't provide me with any paperwork or had me to sign for product description for non return policy. the credit card company denied my dispute while i provided what they asked for and attempt to return the product by talking to people in the store ; credit card asked for tracking number or any approve of attempt to return product, i tried to explain that the store is a walking distance away from my home and i tried to return the product be they didn't accept it and the merchant was very rude talking to me. I told the credit card investigator that the merchandises are available to be return anytime as i purchased what i was supposed to get from different supplier. I feel like i got ripped off and credit card company is standing with the merchant for no clear reason!
Complaint sub-issue: Information belongs to someone else

Please assist me in getting the following items corrected on my credit report : XXXX  and Equifax is reporting my birth year incorrectly as XXXX. My correct birth year is XXXX. My birth date is XX/XX/XXXX. 


Incorrect Address : XXXX XXXX XXXX, Incorrect Address : XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX Incorrect Employment : XXXX  XXXX  XXXX Correct Employment Name : XXXX XXXX  XXXX The following Accounts does not belong to me. Please remove from my credit file : XXXX  - XXXX that was opened XX/XX/XXXX XXXX  XXXX  - XXXX with a balance of {$33000.00} ; Incorrect Balance : {$33000.00} Incorrect State : XXXX  XXXX XXXX  Incorrect Monthly Payment : {$11.00} Incorrect Status : Late 120 days XX/XX/XXXX - XX/XX/XXXX ( Please tell me how this is possible..120 days every month..would the days late increase? ). This is not my account. All of a sudden since I have been disputing that this account does not belong to me and all of the information is incorrect, now it is showing I am up to date. 

Correct Balance : {$11000.00} Correct State : North  Carolina  Correct Monthly Payment : {$120.00} Correct Status : I was never late between XX/XX/XXXX - XX/XX/XXXX Unauthorized Inquiries reporting on my credit file : - XXXX  - XXXX XXXX XXXX  - XXXX - XXXX-XXXX  - XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX  - XXXX  - XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX  XXXX XXXX  - XXXX  XXXX - XXXX  - XXXX - XXXX  XXXX  - XXXX/XXXX  - XXXX XXXX XXXX - XXXX XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to XXXX credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as XXXX XXXX and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Complaint sub-issue: Problem with customer service

I have contacted Nelnet a year ago to make a {$9000.00} payment and agreed with them to pay {$9000.00} per year which is more than one year of payments. They agreed with this and said they would make a note of it in my account. Last month I received a payment due email, so I called them, and they were confused, and had no record of the {$9000.00} payment agreement. I uploaded a document about this to their customer service. Yesterday I got another email about payment due, and this time the payment was {$160.00} more then last month. Clearly they don't understand simple math. With me only doing subbing as a teacher than working a full time teaching job ( long story ) we live month to month. This " annual '' payment is being taken from my husbands IIRA account following the instructions of our tax advisor. We don't have any more money for their random billing. Thanks.
Complaint sub-issue: Problem with personal statement of dispute

This occurred back in the spring of 2015, and I have no clue how to solve this situation with my previous school.during the spring I registered for some classes however I withdrew from those classes on time and I even went to the registration office and explained them that its courses I am repeating for that reasons I am withdrawing from the courses.but what happened later its not fun, they sent the amount charged for those courses to a debt collectionand its still in XXXX  files Iam trying to get right of this and I dont think its fair .iam not paying for courses I didnt took .please provide me with the right infos to solve this. 
Thank you XXXX
Complaint sub-issue: Problem during payment process

I had made an overpayment of {$2200.00} on my credit card account that ends in XXXX. I requested the overpayment to be sent to me which the rep assured me she processed. A week later when I still didnt get my refund check I called them again. After being routed to several persons they told me that they refunded the payment to my bank. They told me to wait several more days. Now 2 weeks later I still dont have my refund and upon calling them, they told me that they cant provide me any tracking information and for me to check with my bank since they sent it back. My bank doesnt have it and now Im short {$2200.00} which I desperately need it to pay back another bill.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following names reporting on my credit file are in correct : XXXX XXXX, XXXX XXXX, XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a payment status of current but also is reporting late payments of 90 days for XX/XX/XXXX, XX/XX/XXXX, 120 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX  is reporting a payment status of current but also is reporting late payments of 90 days for XX/XX/XXXX, XX/XX/XXXX, 120 days late for XX/XX/XXXX and XX/XX/XXXX, Equifax is reporting a payment status of current but also is reporting late payments of 90 days for XX/XX/XXXX, 120 days late for XX/XX/XXXX, and XX/XX/XXXX. USDOE/XXXX  : XXXX  is reporting a payment status of current but also reporting late payments of 90 days late for XXXX and XXXX of XXXX, XX/XX/XXXX, 120 days late for XXXX through XX/XX/XXXX, XXXX  is reporting a payment status of current but also reporting late payments of 90 days late for XXXX and XXXX of XXXX, XX/XX/XXXX, 120 days late for XXXX through XX/XX/XXXX, 150 days late for XX/XX/XXXX, 180 das for XXXX through XX/XX/XXXX, 150 days late for XX/XX/XXXX, Equifax is reporting a payment status of current but also reporting late payments of 90 days late for XXXX and XXXX of XXXX, 120 days late for XXXX andXX/XX/XXXX, 120 days late for XXXX through XX/XX/XXXX. XXXX : XXXX is not reporting any late payments, XXXX  and Equifax are reporting a current payment status but late payments of 30 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX  is reporting an opened date of XX/XX/XXXX and Equifax is not reporting this account, XXXX  Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, XXXX  is reporting an opened date of XX/XX/XXXX, Equifax is not reporting this account, XXXX  AT XXXX XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX  is reporting an opened date of XX/XX/XXXX and Equifax is nor reporting this account. Chapter XXXX  Bankruptcy : XXXX  ( Account Number : XXXX ) and XXXX  ( Account Number : XXXX ) are reporting a discharged bankruptcy as XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Complaint sub-issue: Account opened as a result of fraud

I had open a bank acount with us bank and my acount was close becused I didn't hand money in my bank acount I thought that my funds where sending me a check yo my address but I never open my mas il and I rescued a letter that st and XXXX that my acount was close for not having funds and I disputed my bank acount all I got was a letter stating that all was geting but I believe that us bank close my acount before I had access to my funds
Complaint sub-issue: Account information incorrect

To Whom It May Concern, Back In XX/XX/2019 I had a late fee from XXXX XXXX. I called right away and the late fee was to be removed. It has now been to months and the late fee has not been removed. I have always paid on time and have called XXXX  again which they assured me it would be removed. From looking at my credit report it appears it was never removed.
Complaint sub-issue: Was not notified of investigation status or results

I have been working on having my credit reports updated and corrected for months. Ive sent multiple letters starting the beginning of the year. To please have All inaccurate and unverifiable information removed off my credit reports, I have not been updated or notified, please remove all information or I will have to file for litigation,
Complaint sub-issue: Other problem

Good day. 

Please note that in reference to my CFPB Complaint # XXXX, I have now received a Decline Letter from CitiBank Best Buy after they informed me I was approved with a counter-offer. This is now unacceptable banking practice. An approval with a counter-offer is a DECLINE? This is just indicating to me that they do not know the difference between an Adverse Action Counter-Offer and a Decline over there. This is unacceptable banking practice. 

Furthermore, the decline letter has 4 adverse reasons... only 1 of which was communicated to me on the phone. The rest of them I just don't understand at all. The adverse reasons I list below. " Proportion of loan balances to loan amounts is too high? '' My revolving debt utilization is presently 5.5 %. Therefore, " Proportion of loan ... '' must be referring to my mortgage ( term debt ) - and that shouldn't be a reason for selecting " Proportion of loans balance to loan amount '' because it's term debt. Principal balance on mortgage debt will also be the credit max on mortgage debt because it's term debt not revolving debt. Even if Proportions of loan balance to loan amount were a system selection, they should know to deselect it. This is unacceptable banking. 

_Length of time revolving accounts have been established????? 
_Too many accounts with balances???? 
_Time since most recent account opening is too short. ( This doesn't change 5.5 % utilization ) _Proportion of loan balances to loan amounts is too high???? 

This is very scary. So was CitiBank Best Buy lying to me on the phone about a counter-offer? Or are they lying now about a decline? Where is the transparency in all this? And as informed as I am, I'm still confused. I can't imagine how confused this would be for a customer less informed. This is wrong. This is unacceptable banking practice.
Complaint sub-issue: Debt is not yours

This is an unsubstantiated, alleged debt with XXXX XXXX, who has now sold/handed over my alleged debt to XXXX XXXX XXXX XXXX without any merit, verification, documentation, etc. There is no debt. I refuse a debt exists
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

Equifax has not sent me a complete credit report with all my pages missing. Also the practices of updating current accounts paid off. Sending reports with missing pages. I also have a block on promotional and marketing and third parities does not have my consent nor have I given permission or sign anything to sell my info or share with out my consent.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/21 I disputed that you are reporting inaccurate information and to please validate and update this this account ( XXXX XXXX ) to paid as agreed. To this day it has not been updated as requested. FCRA states that information must be verifiable and 100 % accurate! This account does not have ( Term 74 months ) I have not signed a contract with 74mos. nor have I ever been late on this account. 

I Demand that this account be updated immediately to " PAID AS AGREED '' or I will file for ligation due to the stress you have caused me.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXXXXXX XXXX  is trying to collect a debt that they can not validate as mine. They refuse to provide copies of original contract and bill outlining the alleged balance and are reporting the account as open when it is closed meaning inaccurate information to XXXX and Equifax. The credit amount owed is incorrect and has not been validated. I never signed a contract. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is reporting a debt I no longer owe. This is paid off and it is past the statute in NC and I would like for this to be removed off of my credit.
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. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be removed promptly. 
XXXX XXXX Balance : {$0.00} ; DEPTEDXXXXXXXX XXXX Balance : {$0.00}
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I spoke with XXXX, a supervisor in the Fraud dispute department at Equifax. I informed XXXX I was inquiring about the account XXXX XXXX Credit Card. I explained to XXXX the initial dispute was received onXX/XX/XXXX regarding this account being opened without my consent. I then advised XXXX the investigation has been over 30 days and Equifax has failed to provide 100 % accurate verification of this account. XXXX told me that XXXX XXXX sent over electronic verification regarding the account that included my name, current address, date of birth, and a social security number. I asked XXXX did XXXX XXXX provide any original documentation or contract containing my signature. She then replied by saying no they were not able to provide any original documentation. I then went on to explain to XXXX this is a clear violation of the Fair Credit Reporting Act section 609 & 611. XXXX said she was aware of the Fair Credit Reporting Act but would to wait on notification from XXXX XXXX before taking any action. I told XXXX XXXX XXXX is no longer in business and the information being reported is in accurate in urself. I also informed of the Police Report I've sent to Equifax including this account and account number. XXXX basically ended the call saying it's nothing else that could be done on their end even though their clearly are violating the Fair Credit Reporting Act which is completely unacceptable.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom It May Concern : I have received a copy of my free credit report, and have tons of inquires that were done by a car-dealership in which I personally did-not authorize at all. 

I have attached a picture of my ID, and proof of address so that you the reporting CB can verify me. 

I'm asking that you reach out to the company who pulled my credit, and request proof that they have my authorization to have pulled my credit report from the following methods A ) a signed letter. 
B ) a recorded phone call. 
C ) video surveillance of me authorizing the inquires. 

While I was inside the dealership, I only AUTHORIZED XXXX XXXX, not their furnishing network to have pulled my credit. This is my written request to demand, that you look in-to this issue as soon as possible and provide me proof of how you investigated, and how you determined that I authorized the companies listed below to pull my credit. 

They are 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 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  Dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX No forms of credit have been established with any of the creditors above, so I ask that you investigate and remove them for my report otherwise you will be in-direct violation of FCRA statues, and limitations.
Complaint sub-issue: Account status incorrect

I have 6 opening account with XXXX XXXX XXXX which is a student loan I been having for 2 years and longer. All three credit bureaus have not been reporting this account open but closed and still showing in good standing. My question is how all 6 account arent been reported to my open history age on my report. Another issue is I having a lot of inquires on my credit report which hasnt been taken off because I havent authorized no one to I pull my credit profile. Lastly, XXXX XXXX auto finance have not been sending me a bill in the mail for over 3 years but my payment statuses isnt correct and needed those negative payment history to be removed.