Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX, Equifax, and XXXX keep reporting XXXX on Credit, XXXX XXXX XXXX XXXX and XXXX XXXX as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.
Complaint sub-issue: Investigation took more than 30 days

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. 

FOR EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

Hey, this is XXXX XXXX, I am in stress due to you all consistently furnishing inaccurate information on my report making it very hard for me to get a job!

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Equifax, Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Complaint sub-issue: Information belongs to someone else

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete this immediately : 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
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1400.00} ( Original Creditor : XXXX  ) XXXX Balance : {$240.00}
Complaint sub-issue: Didn't receive enough information to verify debt

AR  Resources  is reporting negatively to my credit report. I do not have a contract with AR  Resources  nor are they licensed to collect in the state of Florida due to their license being expired. I 've contacted AR  Resources via th e  XXXX  major credit reporting agencies requesting validation and verification of this debt by contract. I have not received such information.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX ACCT XXXX XXXX ... XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX ACCT # XXXX ... XXXX ACCT # XXXX ... that are listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Account status incorrect

This complaint is against Equifax, XXXX and XXXX. I have been locked out of all online dispute services even though I belong to several sites I am being billed for to access my credit reports. Recently, I spoke to XXXX about completely removing some third party billers from my credit report. These people have been paid. They verbally agreed to remove the accounts after they were paid. 

The below items were sold to a third party biller. This means that the original creditor has written off said " debt. '' This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX XXXX has no right to collect money from me, or be listed on my credit report ( XXXX & Equifax ). XXXX was paid in full. That is the original creditor. This is illegal. 

XXXX was paid in full. They promised to take the collection off of my XXXX credit report. 

A XXXX XXXX public record is on my Equifax credit report. These dishonest people were paid by in XXXX. They took it off of my XXXX credit report and put it on my Equifax. Please remove this. It keeps me from getting credit cards. 

XXXX University was paid in full in XXXX to a third party collection agency. It is illegal for them to be listed on my XXXX credit report. 

XXXX XXXX is also on several of my credit reports after being paid off, and promising to delete the accounts. 

XXXX Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain hospital records and try to collect money from me. The hospital had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

XXXX XXXX- They are listed on my credit reports along with a third party biller. If this is not illegal I do n't know what is. 

XXXX XXXX XXXX XXXX This third party biller is the company that XXXX XXXX wrote off my debt on its taxes to. This constitutes a This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX- Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain medical records from my dialysis clinic and try to collect money from me. The clinic, XXXX XXXX had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

Public record- XXXX XXXX GA- I paid this in full in XXXX. They verbally agreed to move this from my credit report. They took it off of my XXXX and XXXX. However they sneaked back later and put this on my Equifax credit report. It must be deleted because it caused me to get turned down for credit card offers.
Complaint sub-issue: Information belongs to someone else

The following accounts appear as a fraud on my credit report XXXX XXXX {$4000.00} XXXX  {$1700.00} XXXX XXXX   {$440.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2900.00}
Complaint sub-issue: Problem with personal statement of dispute

I spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT XXXX XXXX XXXX XXXX; I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under XXXX XXXX, WHICH I AM STILL UNDER XXXX XXXX PRESENTLY XX/XX/2019, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I have not bee late on this account there was not full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of this year showing I was late and that have NEVER been provided. 

XXXX XXXX Account # XXXX Please correct payment history as it not reporting correctly.
Complaint sub-issue: Information belongs to someone else

Someone opened new account for XXXX XXXX XXXX XXXX credit card that appears on my credit report.! Also used my XXXX credit card for shopping. Please it should removed from my report. Thanks
Complaint sub-issue: Information is missing that should be on the report

I have been working with a debt consolidation company and paid off a negotiated settlement with XXXX XXXX and U.S Bank. The resolution has not been reported to credit bureaus. Furthermore, my loan officer told me the resolutions have not shown up on my credit report. I have repeatedly contacted the aforementioned financial institutions and I have either heard " there's nothing in our system '' or " the letter is in the mail '' or they direct me to other departments that have nothing to do with my issue. This has been going on for close to a month and nothing has happened and no letter has been received. This is effecting my ability to get a loan for a home with the lowest possible interest rate.
Complaint sub-issue: Information belongs to someone else

I sent Identity Theft Affidavits and Police reports on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Complaint sub-issue: Threatened to sue on too old debt

About 20 or 25 yrs ago Citi Bank said that i owe them some money but I never took out any loan or anything from Citi Bank, I sent word to the D.A in their home town but they never got any word from them, now almost 10 yrs. later I get a letter fro a company called XXXX XXXX they took over the loan or some thing I do not know. Now they say I owe the around XXXX and sum thing
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting account derogatory or delinquent. The creditors are saying they are not reporting this information to Equifax. Equifax and the creditors keep saying it's the other party reporting the incorrect information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called to dispute collections and unauthorized inquiries on several occasions. I have collections on my credit report that was not in collections. I have numerous reporting that I do not recognize and these accusations caused my credit score to drop.
Complaint sub-issue: Public record information inaccurate

All XXXX loans where placed in my bankruptcy 2017 due to a hardship. XXXX keep reporting to XXXX and Equifax every month that I owe them when the accounts was closed at the Chapter XXXX bankruptcy hearing 2017. 
XXXX and Equifax removes all the account after I submit the claim to yall, but only to replace the XXXX accounts back onto my credit report this month. 
XXXX has not responded in a timely manner to my complaint with yall submitted last month or to me speaking with them over a year ago. 
Why are the reporting I owes them money and the interest keep lower my credit score to the point it damaged my credit. Now I get find no apartment or place to live in my name. What is the reason they aren't following the LAW. 
Every month I dispute the XXXX accounts only to have them removed temporarily. Then XXXX reports what the want to about my accounts that false information to XXXX and Equifax and they go and replace the inaccurate information on my Credit account at both Bureaus over and over again. Please have XXXX Stop reporting inaccurate information about my accounts which are closed. 
Thank you.
Complaint sub-issue: Personal information incorrect

I have been sending in a letter, copy of my Texas drivers license, and social security card as requested by Equifax because they changed my birthdate in there system. I have sent in these documents for over a month in a half via mail postal services and fax and every time I call the representative informs me theres nothing they can do and have not received my documents. I have verified the mailing and fax information to make sure it is correct but yet still not getting any assistance. When I ask to speak with a supervisor, I always get advised there is no supervisor available or placed on hold and no one ever return to the call after an hour in a half later. Im sending this information to Equifax information services LLC XXXX XXXX XXXX XXXX, Ga XXXX Fax # XXXX
Complaint sub-issue: Debt is not yours

I sent a debit valadation letter to General Revenue they continue to try to collect on a debt that is not mine and are ruining my credit on a fraudulent debt. They have yet to validate the debt is accurate and send me proof this is mine. They sent out the notification of debt after they submitted it to the credit bureaus without validating or letting me know I have a debt which is in Violation of my rights as I have submitted proof from the credit bureaus they did exactly that and a dated letter from them after they submitted it to the credit bureaus. I have also attached proof I have no current balance with XXXX XXXX XXXX Nevada ( XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To Whom It May Concern, I am sending this letter to you in response to a collection notice I received from you on XXXX/XXXX/2020. Be advised, this is not a refusal to pay, but validation is requested. 
I XXXX XXXX dispute this fraudulent account representing a balance of XXXX. 
I do not owe XXXX XXXX  XXXX Nevada as I am in good standing and proper financial aid in place. This is not a valid account under XXXX XXXX. 
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : Provide a statement which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor Please produce all documents relating to the chain of custody authorized by XXXX XXXX XXXX Nevada to collect on the mentioned account. 
If your offices have reported inaccurate information to any of the three major Credit Bureau 's ( XXXX, XXXX  or XXXX  ), said action might constitute fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have been trying to dispute fraudulent charges made on my account since XXXX XXXX. I left the United States and last used the card on XXXX XXXX, XXXX ( please see attached airline receipt and passport page image ). However, fraudulent charges began appearing on my account on XXXX XXXX, XXXX. I noticed these charges on XXXX XXXX, XXXX and called Citibank from XXXX XXXX. Citibank sent me an email alerting me to the fraud ( see attached ). I was told that the charges would be investigated. I also requested that the account be closed and it did not happen. I called again on XXXX XXXX, XXXX and was told that the charges were still under investigation. On XXXX XXXX, XXXX, I submitted a payment of {$1000.00} and was told that the credit would be applied for the fraudulent charges. That also did not happen. I visited a Citibank branch in XXXX, Florida on XXXX XXXX, XXXX and was told that they could not help me with my credit card account there. I called again on XXXX XXXX, XXXX and spent 47 minutes on the phone speaking with 3 different representatives. First, I spoke with XXXX. I explained the issue with the fraudulent charges and she assured me that fraudulent charges would be refunded to the account along with late fees and interest charges which resulted from those fraud charges. She then transferred me to XXXX in the Fraud Dept who said she had no access to the account and that she would have to contact the Billing Dispute Department. She transferred me to XXXX. XXXX is the one that helped me the most, reviewing the fraudulent charges with me and initiating disputes for each of them. When she finished going through each charge she told me that someone would call me back within 24-48 hours. I asked her about the interest fees and late charges. She said that an account supervisor would need to help me with that and told me to hold. I was then disconnected from the call after 47 minutes! I called back again right away and spoke with XXXX. Without even letting me explain what my issue was she said I had to call back at XXXX tomorrow to speak with a Collections Supervisor. I explained that I had just finally initiated a fraud investigation on my account for the 3rd time and that the account should not be in collections. She told me that someone would call me back within 2-3 days. I got very upset about that since XXXX had told me I would hear back within 1-2 days. I asked about the timeframe again to be clear and XXXX said it would be 1-2 days. She then insisted that she could see all of the notes made on the account, but that I would have to call back the next day to speak with a Collections Department Supervisor at XXXX. Also, please note that I was placed on hold several times during this call and was on the phone for a total of 23 minutes. You can see a screenshot of my phone in the uploaded items. I am XXXX years old!!!
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these item are being reported correctly? Who verified these account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date opened XX/XX/2015 XXXX {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act this creditor has violated my rights. 

Under 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 an account without my written instructions. 

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late of any purpose.