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

Credit report agency refuses to delete unverified and inaccurate information on my credit report. I have disputed these  2   XXXX  account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?   Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.     Credit report agencies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , unfamiliar with handling their own finances.   Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.     FCRA requires that all  Credit Reporting Agencies are supposed to verify received from creditors before this information is added to your credit file.    Proper verification according to established case law involves the credit bureau having copies of the original signed credit application in their files. They are required to have a copy of the credit application that you signed when you opened the credit account with the creditor in their files. They are supposed to have it in their files to show that they verified the information and account belongs to you and to show that they verified the information before they placed it on your credit report.     The truth of the matter is the credit bureaus dont review any documents let alone keep a copy of your credit application in their files. They NEVER see any documents.     In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.   While I prefer not to litigate, I will use the courts as needed to enforce my rights under the
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct this immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX card violations attached XXXX   taking more than 30 days engage in unfair, deceptive, abusive, or other practices that violate the statute. FDCPA 814, 15 U.S.C. 1692l. Under the FTC Act, the FTC may investigate and take law enforcement action against entities that, in connection with collecting on debts, engage in unfair or deceptive acts and practices.
Complaint sub-issue: Information belongs to someone else

From XX/XX/2018 I have been disputeing two account with Equifax XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX please note including your Method of Verification. I do notconsent to XXXX   or any means of automated verification. yet Equifax allowing XXXX XXXX and XXXX XXXX XXXX XXXX  to report Verfied over and over after a re- ivestigation. also Account on my Credit report not showing the Full acoount number is inaccurate .FCRA section 611 ( a ) ( 1 ) ( A ). FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .The credit reporting agency must give you the method of verification information within 15 days of your request.A third party database was likely used to verify the disputeditem automatically, which is insufficient. XXXX XXXX  and XXXX XXXX XXXX XXXX  File have not provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. i have also file a Identity Theft report with the Federral Trade Commission Report Number XXXX  and place a Fraud Victim alert on all my credit report. yet they file to remove these account.
Complaint sub-issue: Investigation took too long

Requested an investigation because of inaccurate information on my credit report. In the dispute I requested that the information be deleted. I made this request on XX/XX/2016. Equifax received the letter on XX/XX/2016, USPS Tracking Number XXXX. I just received a response today. The response was in reference to a second letter that I sent to them. Per the FCRA all items are be deleted if the investigation was n't conducted within 30 days.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a notification in my email that XXXX completed their investigation into my dispute of the following accounts ; File XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX  I have faxed this information and sent certified mail to both Equifax and XXXX in regard to these same accounts. I demand that XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you
Complaint sub-issue: Old information reappears or never goes away

I had an account with XXXX which I paid in full. The account was supppose to be removed upon payment but it 's still there. According to credit report on credit karma it was a removed collection but it 's still posted as a derogatory mark in collections account. I also have an account with Afni for XXXX XXXX XXXX that keeps appearing on my account which was removed off of my report but keeps reappearing. The amount was disputed once the account was cancelled. I 've contacted XXXX they ca n't seem to find my information but it 's clearly on my credit report saying that I owe XXXX. One of the papers I attached clearly shows that XXXX XXXX XXXX account was closed and removed.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022, I ordered on XXXX a electric dryer for XXXX dollars ( XXXX with tax ) that was advertised as 120 volts. XXXX XXXX sent me a 240 volt model which I am not electrically equipped for in my household. I reached out to the merchant and they told me they do not do returns on online purchases. I explained I received the wrong product. I reached out on XX/XX/XXXX to home depot credit card services which was the credit card I used to make the purchase. They attempted to resolve with the merchant. Merchant told home depot credit card this is a case of buyers remorse. I opened up a dispute with home depot credit card services on XX/XX/XXXX after multiple phone calls with XXXX XXXX corporate, credit card services and the actually credit card banking service. I submitted pictures of the product I ordered and I what received along with receipts. Home Depot credit card ( Citi bank ) told me to wait 30 to 90 days for resolution. I received a letter from Home Depot credit services to contact the merchant for a refund or exchange on XX/XX/2022. Once again reached out to the merchant and spoke with a mannager who told me they dont expect returns and had the credit card company call once again on my behalf to try to obtain a resolution. As per home depot credit card services I was to wait 30 -90 for resolution as they attempt to correct the issue. On XX/XX/XXXX upon checking my home depot credit card account I noticed my dispute had been closed so I immediately reopened the case. I called that same day twice as the first time the supervisor phone call dropped and as per home depot they have no answers as to why they closed dispute but to wait another 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Homedepot credit card service citibank
Complaint sub-issue: Account status

Approximately 1 1/2 years ago I submitted proof that I have no tax liens against me by suppling Fed tax lien release docs to all XXXX reporting agencies. I also dispute any claims that I have unpaid or delinquent medical bills. There is nothing else that I am late with. I se3nt the letters by certified mail and to date, I have never heard from any of them. I will attach the docs that show the tax releases. I hope you can help me, as I am sure you are aware that it is very difficult to get any response from these agencies. 
Thank you for your help XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

Called number on my credit report talked to company they couldn't find any information on so they don't know why it's on my report. Can you help me? I never contacted u s bank for credit.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX I sent a complaint to XXXX, Equifax, XXXX about fraudulent activity on my credit report and I was never notified about the investigation. 
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
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX is reporting on my credit file and I have never had an account with them. My name is very common and I often have issues with Mixed files. 
I called XXXXXX/XX/XXXXand was on the phone for over an hour and they can not find me in their system under any of my information. They also agreed that maybe it is another XXXX XXXX that is accidentally reporting on my credit or this is fraud. I need this removed as there is nothing you have on file with my information.
Complaint sub-issue: Problem during payment process

I accidentally mailed in a check to the wrong bank for my XXXX  credit card. It was mailed to Citibank and knowing I do not have an account with them they cashed my check and placed it somewhere. I have provided proof where they cashed it, I have provided the amount the check number and have spoken to many representatives the first ones were very helpful. They actually located my check and the account it was placed in, they called it a special merch account. They said they would be mailing me a check with the amount on XX/XX/XXXX but I have not received anything. Now I try to call in and they are stating there is no way the check wad cashed if I have no account with Citi and I need to go through XXXX  and they transfer me without my knowledge. The last supervisor I spoke with was XXXX XXXX st XXXX ( central ) and he was rude cutting me off and then transferred me without listening to me situation. They check amount is over {$1500.00} and it is a loan check to pay off our credit cards. I haved faxed proof as they requested of the check cashed. Check # XXXX about {$1500.00} on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XX/XX/2021
Complaint sub-issue: Other problem

I applied for, was approved and received a Discover XXXX XXXX credit card. After receipt I activated it and registered my online account. The card was fully usable at this time. Several days later I received an email stating that my identification needed to be validated through XXXX using IRS information and my account was temporarily suspended until the process was completed. 
I called Discover and was told this was a new procedure installed to prevent identity theft. 
This is very puzzling because as as soon as I received the card I could have literally spent the entire amount of the credit limit. How does this prevent identity theft? Should this not be completed BEFORE a card is physically issued? 
Honestly this is the most useless identity theft prevention I have ever heard of. I am waiting to obtain the verification then will most likely close the card unused.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I bought some shoes from XXXX which turned out to be defective. The zipper broke. I contacted XXXX and they sent me a replacement and I just had to send back original pair. 
I decided to send back both pairs with the shipping label provided. 
I received my bill and it still had the item on the bill. So I disputed the amount. A month later, XXXX sent me a letter that they needed further information to resolve the dispute and to call number on the letter. I called the number on the letter, XXXX, and it said they were closed due to Covid. Ive called once a week since the letter was mailed to me in XXXX. I received another letter today that since I did not call to furnish the information needed, the dispute was closed and not in my favor. I just tried calling the number they provided again. And it still says theyre closed due to Covid. 
If thats the case, why would XXXX close my case? Rather than extend the investigation period. Obviously someone is working, and taking adverse, unfair actions not to my benefit. 
As if today, I am yet to receive my refund for the purchase.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act convergent account FrontLine Asset Strategies, has violated my rights.

15 U.S.C 1681 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: Called before 8am or after 9pm

Initially  XXXX  forced me into default by delaying the processing of my valid renewal application for income based repayment, which I had qualified for in previous years.   Overnight, my required payment ballooned from {$120.00} to {$800.00}, which I could not afford, as I was still unemployed, having been the victim of a fraudulent school  (   XXXX   XXXX   ).  Once my student loans were in default, I was no longer able to negotiate an affordable payment, nor am I able to consolidate any of my loans or lower the interest rates. As a result, I now have multiple student loans in the amount of over {$100000.00}, which is more than double the amount I originally borrowed, with interest rates ranging from  11 to 6 perce nt.     Recently,  XXXX  notified me after the fact, that they had intercepted my state tax refund, without providing any information about how to recuperate the refund while the debt is being disputed.  XXXX  has kept my loans broken up into at least  XXXX  different loans, each at a different interest rate, and I have no control over which loan the intercepted tax refund will go to pay, which means that  XXXX  can put the intercepted funds to their advantage by applying it to whichever of the loans they prefer, to extend the term and amount of my debt.  XXXX  has also sent letters to me indicating that any failure to reply in writing within 30 days constitutes a waiver of my opportunity to contest their claims, which violates the  The Fair Deb t Collection Practices Act prohibition against construing the failure of a consumer to dispute the validity of a debt as an admission of liability in section  809 c.      For the past few years,  Allied Interstate , Inc. acting as  a debt collection agency for  XXXX , has repeatedly violated my rights under The Fair Debt Collection Practices Act. I have been harassed with daily phone calls from  Allied Interstate Inc.  at all hours in the early morning and late at night which is a violation of section  805 a. 1. I have been contacted by Allied Interstate from the same phone numbers with which Allied Interstate has contacted me legitimately, wher  e the caller refuses to identify themselves and refuses to identify their employer, which is a violation of section 804, part 1. These phone calls have involved the caller illegally communicating to the unidentified person receiving the call that I owe a debt, using my name, which is a violation of section 804, part 2. These phone calls also involve disclosing the existence of my debt with third parties, including my friends and family, a violation of section 805 b. These phone calls have disclosed my personal information to the unidentified recipient of calls, including my full name, my home address, the name of my bank, my date of birth, and the school I attended, which could easily lead to the theft of my identity.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I can say that I am being ignored by your agency for not removing items as per my request and as per what I've listed in my FTC report, I do not grant you an authority to report versus me to verified these accounts that I told you incorrect and inaccurate.
Complaint sub-issue: Debt is not mine

A collection agency, ERC, called me on XXXX XXXX, XXXX ( XXXX ) XXXX, and XXXX ( XXXX ). My husband and I have NO debt. On the XXXX they asked for a XXXX. I told them no such person lived here, to eliminate my phone #, and no never call again. 
They obviously did not remove my # since they kept calling me. In hindsight I should have asked who they were collecting for. I also requested an email confirmation from them, but was refused.They called again for the next two days ( I did not answer the phone ). But when they phoned again on the XXXX and asked for XXXX, I was irate, and told them the same as above. I 'm VERY concerned that I might be a victim of identity theft and that my credit will be adversely affected. 
The company is ERC ( Enhanced Recovery Co. ) and the number from which they called is XXXX. They have XXXX locations - XXXX in Florida and XXXX in Georgia. There are numerous complaints on the internet. In addition to XXXX, I am also notifying the Pennsylvania Attorney General 's office, ERC, XXXX XXXX, PA, and XXXX, XXXX, and XXXX.
Complaint sub-issue: Account information incorrect

I disputed with XXXX, EQUIFAX, & XXXX about inncorrect information on my credit report and they refused to remove it. In accordance with the Fair Reporting Act, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. In accordance to 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 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 states : If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure. I did not give these companies written permission to furnish anything on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have filed a dispute with XXXX XXXX many times concerning this matter.I have spoke with the XXXX  fraud department many times concerning unauthorized inquires from XXXX XXXX XXXX that was placed on my Credit Report.I have asked XXXX to remove the unauthorized inquires from my report, but they refuse to do so, they told me that I need to speak with XXXX XXXX  about the inquires.Well I spoke with XXXX XXXX about the inquire which they are showing that I never had an account with them.They all so send a letter to XXXX  and myself showing that the those inquires need to be suppress from my XXXX Credit Report.I have resent the letter that send to me but XXXX  still refuse to remove them from my XXXX   Credit Report which is outrageous that XXXX  is allowed to do this which can harm people lively hood and creditably on their jobs.I will be attaching the letter that was send for verification to all three credit Reporting Agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

I made a payment within 30 days it was on XX/XX/2018. I paid by check on XX/XX/2018. My payments are due on the XXXX of each month. XXXX  and Equifax are showing that I'm late for XX/XX/2018 payment. 

I've disputed the first time this happened in XX/XX/XXXX with XXXX. Instead the company just updated the information, not actually investigated. Then on XX/XX/2018 it happened again. 

I gave copies of receipts showing payment history. For both XX/XX/XXXX and XX/XX/2018. 

Per Fair Credit Reporting Act you can't place any item as derogatory on your credit report if it's not 30 days late. 

I requested a thorough investigation. The fair credit reporting act states that if there are any inaccuracies or invalid on your credit report it should be removed. As a result this inaccuracy is hurting my credit score drastically.
Complaint sub-issue: Personal information incorrect

I am having some issues with addresses on my file that are not accurate. My XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/1963, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT OF EDXXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, XXXXXXXX XXXX XXXXXXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX, XXXX. 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX, XXXX. 
Account XXXX XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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.