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

XXXX XXXX ( Several accounts in my name that are negative ) I challenge the accuracy, compliance and reportability of this listing. no valid claims ... accounts were settled with my assistance provider and I was informed that no late fees would be reported because of their delays and system issues with processing my aid ... grave errorsfalse claims and reportingI want these accounts rectified immediately or litigation may follow. You can not report late payments that are incorrectthis is unlawful You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. I have previously disputed the above-mentioned student loan payment history. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, you are in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid.
Complaint sub-issue: Problem with personal statement of dispute

I sent a procedure request to Equifax for an alleged bankruptcy. They were to ( by federal law ) provide me with the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) UNDER THE LAWS OF THE FCRA I HAVE A RIGHT to a " description of the procedures '' used to determine the accuracy and completeness of the disputed information. 

WHICH I CLEARY WAS DENIED THE RIGHT TO DO SO by Equifax. This is a serious violation of the FCRA and a error within Equifax 's dispute process. This is a very serious matter ... The response I received from Equifax definitely is not constitutional or in accordance with " The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) '' I sent this letter through certified mail to ensure a response which I did receive but it's obvious my right to " request the description of the procedures '' was denied ''.
Complaint sub-issue: Account information incorrect

Please delete this account from my credit report because they are reporting inaccurate information. The company XXXX XXXX  # : XXXX. This company XXXX is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/2019. However, they are reporting 2 separate dates, XX/XX/2019 and XX/XX/2019. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. The CRAs have an obligation to report accurate information, please stop this company from damaging my credit with this incorrect information.
Complaint sub-issue: Account status

I recently file a dispute with Equifax , I provided a copy of the tax document showing that XXXX issued a XXXX for the debt. Equifax only deleted the historical data and did not update the account to show XXXX balance. This is the second time that I have had this problem with Equifax and XXXX. I have attached the tax document as well as a copy of the dispute results. I do n't understand why I continue to have this problem with Equifax , I send the same information to the other credit reporting bureaus and it 's updated with no problem. I would also like to know if there is any legal action I can take against Equifax for this matter. This is the second time I have had to use CFPB to get this corrected.
Complaint sub-issue: Funds not handled or disbursed as instructed

Two of my accounts at BB & T ( one checking, one savings ) were fraudulently accessed by an unknown person ( s ) with access to my SS number and my previous name ( I am divorced and took my maiden name back 7 years ago ). They also set up a new account online at both XXXX XXXX and XXXX XXXX in my previous name and SS # and after transferring trial credits and debits between my account and their new accounts at XXXX XXXX and XXXX XXXX,  proceeded to transfer {$12000.00} in installments into the XXXX account. They also changed my email address on my profile at BB & T so I did not receive any emails regarding the transferred funds. The XXXX account was openedXX/XX/XXXX and closedXX/XX/XXXX. The account at XXXX XXXX was opened/closed within days betweenXX/XX/XXXX and XX/XX/XXXXand except for the trial credits/debits, had no activity. In addition to lost interest due to my BB & T balances being lowered due to the money transfers, I have lost {$12000.00} plus {$12.00} in bank charges for four separate transfers totaling XXXX ( {$5000.00}, {$5000.00}, {$2000.00}, and {$500.00} ), as well as {$7.00} for certified mail to file a fraud alert with the FTC. BB & T has denied my claim of identity theft and have advised me that the funds were transferred to an account that was opened in my name and SS #. XXXX XXXX is telling me that they are not responsible for my loss and it is BB & Ts responsibility. XXXX XXXX has approved my claim but I never lost any money to that bank.
Complaint sub-issue: Problem getting your free annual credit report

I have tried twice today to request my free annual credit report from Equifax. I have 3 mortgages, 2 car loans, and 5 credit cards. The questions that are asked on the website to verify my identify are not specific enough and it is impossible to decipher which account they're asking about. A question regarding my mortgage monthly payment could have a correct answer of XXXX, XXXX, or XXXX. A question about my monthly auto loan payment could be {$730.00} or {$330.00}. It's a guessing game where I get permanently locked out of my credit report if I'm wrong. 

I have called twice, they have extensively verified my identity ( since I could clarify which account they were quizzing me about ) but will not grant me online access to my credit report. I do not  recall having this issue with any other credit bureau ( as they specify the opening date of the account they are asking about ).
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00} Remarks Consumer disputes this account information
Complaint sub-issue: Debt is not mine

titlemax called me many time telling me to contact them. 

I answered one of their calls. told them I had no business with themthey called me a liarthey wanted me to give them personal information which would have allowed them identity fraud on methey kept telling me to XXXX payment and I never dealt with them ever in my life. 

I tried to be nice and explain they had the wrong person. 

when I asked how they got my phone number, they said it was in their " system '' they said I live in XXXX, I never lived in XXXX. I told them numersous times I did not live in XXXX, never did, they kept telling me I was a lair. and was lying to them. and to fess up and make payment. 

this is unacceptable harassment and trying to collect money from me and I never had had any dealing with themtheir phone number isXXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine so please DELETE those accounts and the home addresses listed. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THE BELOW ACCOUNTS TO DELETE. 

I found several accounts where there are late payment history being reported which were never late, please AMEND those accounts listed.
Complaint sub-issue: Investigation took more than 30 days

This is a formal complaint against Equifax, XXXX and XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, they have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX I filed a claim XXXXagainst XXXX for not being able to accurately connect me with student loans. You guys responded with none of the loans were of wet signature and all of them were signed via electronic. When indeed XXXX XXXX XXXX anything that I did it financially whether it was through XXXXXXXX XXXX XXXX or the money that I was receiving due to me being in a in foster care were signed with a wet signature. At this time XXXX XXXX XXXX  was over these alleged loans maybe you guys can acquire accurate information from them. Because I believe that's how the debt was given to XXXX. So they are accusing me of signing it via electronic when I did no such thing. 
If not able to do so then I demand accurate information about those years in question or to delete / remove the alleged debt permanently from my credit report. I want a investigation of fraud for the following amounts : {$5500.00} for Loan Sequence 1, and {$7700.00} for Loan Sequence 2.
Complaint sub-issue: Used obscene, profane, or other abusive language

I was called from the number XXXX and the person I spoke to informed me they were calling regarding an unpaid hospital bill from 3yrs ago. I asked for more information and the collector started yelling at me asking if I was going to pay or not. I was simply trying to understand because this bill was supposed to be taken care of by workers comp and my insurance. So I was very confused. I had not been receiving any notices or bills in the mail regarding this debt. I asked to speak to someone else because he wasnt listening or offering any additional info or clarification about the debt. He then yelled at me I was just going to waste their time and he was noting in my account I was refusing to pay and hung up on me. I called back and spoke to a woman and told her what happened and she then hung up on me. I called back a 3rd time and spoke to a man named XXXX and he explained everything thoroughly and we were able to get to the bottom of it. He pulled the recording for his manager to hear and I hope that they will actually take action against that individual and it wasnt an act. I feel like it was a bait and switch / good cop / bad cop kind of situation & very manipulative. These should not be standard or normal practices.
Complaint sub-issue: Personal information incorrect

I sent a letter XX/XX/XXXX the 2022 to remove personal information that I don't want on my credit report. According to FCRA 15 USC 1681. I have the right to privacy.Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people. These are in clear violations of my federally protected consumer rights
Complaint sub-issue: Information belongs to someone else

a lot of information is invalid it is hurting my file with Equifax I am interested in disputing all incorrect information on my credit file.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had been using XXXX XXXX to keep track of my credit scores and build my score. 
I noticed one day my score with Equifax dropped 83 points from XXXX to XXXX. As I reviewed the 'reasons ' it showed four payment ALL as positive actions toward my score. 
I couldn't reach anyone at XXXX XXXX so I contacted Equifax directly. I paid the {$15.00} to obtain my score from Equifax and it was XXXX! 

O.K., good I thought. So I applied for a mortgage on XX/XX/20 thinking my average score would be good since Equifax was at XXXX. I just received the disclosure from the lender and the Equifax score shows XXXX!! 

I contacted Equifax and they wanted another {$15.00} to give me the information on my score just 15 days later!! I had NO missed payments, NO new credit, etc. How does a score drop like this and nobody can explain. As a matter of fact, Equifax told me there was no way to file a compliant with them?? 

Please help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I visited XXXX auto dealer on XX/XX/22 at XXXX & was informed by rep/manager XXXX AKA XXXX that he could take a look at my credit with out running a full report. Which would effect my credit ( hard inquiry ). I was informed this would not happen but I was informed by XXXX credit bureaus that this is not on my report. As of XX/XX/22. This rep lied.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX They were supposed to update credit bureaus as of XX/XX/XXXX info since my wifes been calling since XX/XX/XXXX as it is closed then open on both our credit reports and, I did threaten to sue them for the pain and suffering it has caused. It has been closed and opened since XX/XX/XXXX off and on. We originally told we would get a new acct number since we redid our loan. 

They are taking their time meanwhile harassing both of us by phone call after phone call. Spoke to a XXXX who claimed it to be Equifax at fault for reporting false information. That they submit information and, its up the credit bureaus to accurately report. 

My credit shows the account as being closed as she is the primary holder updated on XX/XX/XXXX on Equifax. The letter we received from XXXX shows it was closed with no balance as of XXXX on XX/XX/XXXX.
Complaint sub-issue: Billing dispute for services

On XX/XX/XXXX I filed a billing dispute for services provided by XXXX XXXX on XX/XX/XXXX for XXXX with Citibank Cards XXXX XXXX XXXX XXXX XXXX SD XXXX. On my XXXX statement from Citibank a credit appeared.On the XXXX XXXX XXXX statement the charges were reversed. I have been going back and forth with Citibank and all requested information has been provided. 
On XX/XX/XXXX I received a letter from Citibank ( attached ) indicating that the case is closed because I did not return the concrete to the merchant. I have tried repeatedly to contact the merchant, with no response. 
I called Citibank XX/XX/XXXX and spoke with a manager, XXXX, who confirmed that until the materials ( Concrete ) are returned, they can not do anything for me. XXXX also confirmed that the merchant XXXX XXXX had not responded to Citibank either. 
From my perspective, Citibank has not provided the services they state about billing disputes or guidelines of what the Federal Trade Commission says about billing disputes. 
The XXXX was reversed and returned to the merchant, even without the merchant responding to Citibank. 
It is my understanding that after the allowed amount of time, if the merchant does not respond, the funds are returned to the cardholder.
Complaint sub-issue: Account status incorrect

I am no longer disputing XXXX XXXX and XXXX XXXX Account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed a dispute with my creditor, Citibank, on XX/XX/XXXX, for two charges relating to pre-paid child care tuition that I was owed a refund for by the merchant. The refund that I was owed was not issued within the time frame specified by the merchant, and despite numerous attempts, I was unable to get ahold of the merchant on my own, which is why I ended up filling the dispute. One of the charges was in the amount of {$2100.00}, and the other in the amount of {$2800.00}, for a total of {$4900.00}. The total amount that was owed to me as a refund by the merchant was {$3100.00}. On XX/XX/XXXX, I was informed by Citibank that in response to my dispute, the merchant stated that I was owed a refund for the full amount of the {$2100.00} transaction, and a refund of {$580.00} for the {$2800.00} transaction, for a total refund amount of {$2600.00}, which, in total, was {$410.00} less than I should have been receiving. As a result of this discrepancy, I submitted additional documentation, as requested by Citibank, proving that the actual amount of the refund that I was owed was in fact {$3100.00} as opposed to the {$2600.00} claimed by the merchant. Upon awaiting for the documentation that I had provided to Citibank to be reviewed, the credit for the {$2100.00} became permanent, but the credit of {$580.00}, in relation to the {$2800.00} charge, that the merchant admitted that I was owed, was never applied. I had then reached out to the disputes division of Citibank many times over the course of the next few months due to the fact that I had yet to hear anything back in regards to the dispute and absolutely no progress was being made. Then, on XX/XX/XXXX, two and half months after my last submission of additional documentation/evidence supporting my position, I receive a letter from Citibank stating that, " We have reviewed the information you provided regarding your dispute. We no longer have any recourse to obtain credit for you since the timeframe, in which to resolve a dispute has passed. Our investigation remains closed. Unfortunately, we are unable to send it to you via email. We apologize for any inconvenience this may have caused. '' I provided all of the necessary documentation to Citibank within the specified timeframe, it's not my fault that they sat on it for two and half months and did absolutely nothing until they claim that it was too late. In addition, {$580.00} of the remaining {$2800.00} charge had already been acknowledged as owed by the merchant within their initial response to the dispute, but Citibank now claims that they will not be crediting my account with that amount, even though it should have already been credited, per the merchant, months ago.
Complaint sub-issue: Information belongs to someone else

Last reported XX/XX/2017 XXXX XXXX Amount : {$11000.00} Acct # : XXXX I have sent in requests asking Equifax to remove this item from my credit report because this item has not been verified as belonging to me.
Complaint sub-issue: Didn't receive advertised or promotional terms

When I applied for the Citi XXXX XXXX select credit card, the adverisement on their website said " Earn XXXX XXXX XXXX XXXX XXXX XXXX  after {$2500.00} in purchases within the first 3 months of account opening... ", see attachment. I charged over {$3000.00} on the card and made full payment within the first 3 months of opening the account, but they only gave me XXXX bonus miles instead of XXXX as advertised. I contacted their customer service, but have not received any explanation or resolution.
Complaint sub-issue: Personal information incorrect

I disputed and sent in all correct information with supporting documents and this still has not been resolved. How can my issues not be verified if I sent in everything pro being who I am and the correct information?
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX. 2021, and XX/XX/2021 I filed a Federal trade Commission Identity thief report along with a XXXX XXXX XXXX Police Report for Identity thief. 

I then disputed several account on my credit report with the following bureaus XXXX, EQUIFAX, AND XXXX... In accordance with the fair credit reporting act. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights... 

In accordance with the fair credit reporting act section 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 2 : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN LATE FOR ANY REASON
Complaint sub-issue: Problem getting my free annual report

I have tried several times now to get my credit report from Equifax and they keep refusing to let me see it online. I was able to get the other XXXX, XXXX and XXXX, so I do n't understand what the problem is with Equifax. I understand I should be able to get a free report annually, which is what I am trying to do. This is not right or fair, so I would appreciate your help. 
Thank you,