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

I've received a letter as well as a response to my complaint that the hard credit Inquire performed by XXXX loans is factual. Factual ... Based on what factual data or documentation? A credit granter attesting that a consumer was seeking one of the three criteria 's stated withing your " question regarding inquiries '' letter therefore making it permissible for said credit grantor to pull ones credit history is not factual by any means! Again I did not request credit of any kind including store or mortgage credit, I did not apply for any services of any kind including utilities, phone, cable or home security, and finally I did not indicate in any way that I was applying for credit of any kind. If you wish for me to consider this mater closed and not peruse further litigation than simply provide proof in support of your claim of said credit inquire being factual where I knowingly or unknowingly requested credit or services from XXXX loans as your criteria defines within your XX/XX/2018 " question regarding inquiries '' letter to me. 

Thank you
Complaint sub-issue: Problem with statement of dispute

Equifax has willfully violated the Fair Credit Reporting Act ( FCRA ) by not conducting a proper re-investigation nor providing me with the proper documentation to validate that the state tax lien in the amount of {$2500.00} that is listed on my credit report is being reported accurately. 

My original correspondence dated XX/XX/2016 requested that Equifax validate this information with the XXXX County Recorder of Deeds and obtain any documentation that would prove this information was valid. Equifax response dated XX/XX/2016 indicated they verified the state tax lien and listed the address and phone number of the XXXX County Recorder of Deeds only. I followed up with a second correspondence dated XX/XX/2016 requesting from Equifax a full description of the steps they took to validate that the state tax lien was indeed being reported accurately. I specifically requested they provide the names, addresses, and telephone numbers of each person contacted at the XXXX County Recorder of Deeds office whom they alleged validated this lien. Once again, Equifax response dated XX/XX/2016 listed the same information from their previous correspondence listing the item was verified as before. 

On XX/XX/2016, I contacted the XXXX County Recorder of Deeds and spoke with XXXX to verify if the state tax lien Equifax was reporting was being accurately reported by their office. Not only did she inform that I do not have a state tax lien, but also that the XXXX County Recorder does not report liens to the credit bureaus nor verify the information reported by third-party research firms are accurate. I promptly sent a third correspondence dated XX/XX/2016 informing Equifax of their inaccurate reporting, negligent validation methods, and requested they remove this blatant inaccuracy from my credit report. Equifax responded on XX/XX/2016 stating the information was verified through a third-party vendor named XXXX. 

Please note that, as in XXXX ( XXXX XXXX ) XXXX Fed. XXXX ; and XXXX, the courts stated that verification can only be attained from a party with first-hand knowledge. A third-party vendor such as XXXX does not have first-hand knowledge and as such is considered hearsay and hearsay inadmissible and incompetent and does not constitute verification. 

As you have witnessed, Equifax has willfully and blatantly violated the Fair Credit Reporting Act ( FCRA ) on multiple occasions with regards to my request for them to validate the state tax lien they are inaccurately reporting on my credit report. They have been irresponsible in the way they have conducted the re-investigation and engaged in deceitful practices that the court have deemed inadmissible and incompetent.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Your company is currently reporting to 3 credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.
Complaint sub-issue: Information belongs to someone else

From XXXX to XXXX their were several fraudulent accounts opened using my personal information with out my consent. I am in desperate need of these accounts being removed.
Complaint sub-issue: Personal information incorrect

I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. 
The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX # XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX
Complaint sub-issue: Reporting company used your report improperly

sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. I also have attached my credit report According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA 15 USC 1681 Everything has to be 100 % accurate. I Have the credit report attached showing the inaccuracies. I marked red X by everything thats wrong also its reporting these 2 companies below Account- XXXX Company- XXXX Account number- XXXX
Complaint sub-issue: Problem accessing account

I had purchases made on my account that I did not make. PNC Bank said that they would investigate once the payments posted. The charge was made on XX/XX/XXXX, and payments posted on XX/XX/XXXX. 

I called on XX/XX/XXXX to check the status of the investigation, and I was informed that no investigation was filed or started. I'm currently out {$1800.00}, and I've been informed that it may be up to 10 additional business days before any action/reimbursement will be filed.
Complaint sub-issue: Account status incorrect

I paid off and was assured my XXXX XXXX account was paid and closed after graduating law school and leaving my apartment in early XXXX, when my lease expired. Not only did they not credit my payment to my account, something that has happened before where they credited another persons account with my money, but they continued to charge me for the weeks of XXXX after my lease ended, and even for XXXX and XXXX. Then without even a single written notice or indication that they were submitting this to a debt collection company, and no possible way for me to expect it considering I paid these XXXX, suddenly my credit score drops from XXXX to XXXX. I find this out applying for a credit card, look at my credit score, and cant believe my eyes. They are billing me when its physically impossible for me to be utilizing the utilities provided, and they have simply taken my money and placed it somewhere it doesnt belong, kept my account open which means the new tenant and myself have accounts for the same unit in this apartment complex and XXXX is trying to double bill, and last but not least, they are reporting incorrect information and I plan to sue them if they dont expedite the process of mopping up their mess of sketchy and fraudulent activity.
Complaint sub-issue: Debt is not yours

I became aware of this collection account once I applied for a new mortgage due to the impending sale of my current home and reached out to this company to have it removed. I even offered to pay them even though I had no knowledge of the debt without success.
Complaint sub-issue: Account information incorrect

I opened an account with US Bank XX/XX/2021. For the second time now, I have had problems with their reports to the 3 major credit bureaus. 

For example, XX/XX/2021, I paid out this account. I had no payment due at the time. But, I paid out the account because I had problems with their reporting just the month before where I paid on my account before the due date ( even then I had no payment due ). The report to the credit bureaus then indicated I had made no payment on the account, but that I had paid on time. 

So, XX/XX/2021, again, I had no payment due because of previous payments. On that date, I paid out the entire balance on this account 4 days before the payment due date of XX/XX/2021 ; and, 7 days before the statement closing date, XX/XX/2021. On today, XX/XX/2021 I received a notice from XXXX  Credit Bureau that I had an increased balance on one of my accounts ; it was US Bank again. According to XXXX, the report was issued to them today, XX/XX/2021. 

For this account, my payment due date is the XXXX of each month. The statement closing date is the XXXX. But, this bank reported my " balance as of XX/XX/XXXX '', which just happen to be the day I made the pay out payment. My receipt indicates the payment date of XX/XX/XXXX. 

It would seem this bank is reporting false information and actually closing out statements before the statement closeout dates in order to charge interest they would otherwise not receive! 

Please investigate their practice of credit reporting, payment due dates and statement closing dates. 

Thank you. 

PS. I have tried to copy and paste a copy of my credit report referring to this account, but couldn't get a clear picture. But, I have attached a copy of my most up to date, but redacted, account summary from US Bank and a copy of that payment receipt. 

If you need a copy of my XXXX  report to investigate this matter, please let me know. I'll call XXXX  to determine how to make a legible copy. 

Thank you again.
Complaint sub-issue: Information belongs to someone else

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

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. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

Hello, I noticed inaccurate accounts and information on my credit report and contacted the 3 credit bureaus about it ( Equifax, XXXX, and XXXX ). I sent letters asking them to validate these accounts and never received anything in the mail or email from this. It has been well over 30 days and I never received any information and the accounts are still on the report. I also sent letters to these three companies to validate this debt or remove them and they still have not been removed. I know that according to the law they have 30 days to validate or delete it. I have not heard from any of the companies. I sent certified letters and copies of my Identification to show that this is me inquiring about my report but nothing. Can you please help with this issue?
Complaint sub-issue: Problem with personal statement of dispute

Today I got letter from XXXX about a dispute account : XXXX XXXX XXXX XXXX for XXXX that account show on my report they sent me today ( XX/XX/2018. The letter said we have reviewed your concerns and our conclusions are : The disputed account XXXX XXXX XXXX XXXX XXXX is currently not reporting on the XXXX credit file. 

How is that????
Complaint sub-issue: Billing problem

I sent two money orders to XXXX XXXX. The first money order was for {$250.00} and the second was for {$490.00}. I inadvertently made one of the money orders payable to myself ( {$490.00} XXXX. As soon as I caught the mistake I contacted XXXX regarding the issue. It was at that time they informed they use robots in their payment centers to process checks. I was informed my check would either be cashed, sent back or destroyed by the robot. The check was processed. XXXX contacted the Federal Reserves to have the funds reversed but it will not be be sent back to me. I was told the funds would return to XXXX XXXX XXXX money order ). I have contacted XXXX XXXX and they outsource their customer service department outside of the XXXX. So communication has been horrible with XXXX XXXX. XXXX should have send the monies back to me. Now I 'm out of {$490.00} which was my payment amount to XXXX. I have spoken to multiple individuals regarding this situation. I do n't sense the urgency to resolve this issue either.
Complaint sub-issue: Reporting company used your report improperly

1STPROGRESS/XXXX/ is reporting late payments on my consumer credit report. I am demanding that the late payments are removed and reported as exceptional payment history. 


I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681e - factual information must be excluded ; this is a violation. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 15 US Code 1681a ( 2 ) states that any consumer credit reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX a lease with XXXX XXXX ( XXXX XXXX XXXX  ) was created with XXXX XXXX ( Primary Tenant ) and I ( XXXX XXXX ) was the Roommate. XXXX XXXX agreed, along with the property management of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX ) for apartement # XXXX. It discloses under # XXXX that " Releasing a m XXXX XXXX ( name of roomate who is moving ) from further liability or responsibility under the lease. This was signed by XXXX XXXX and by myself ( XXXX XXXX - before a notary in XXXX. I have not been at XXXX XXXX XXXX, XXXX, XXXX  XXXX since I moved in XX/XX/XXXX. Since then I moved away with reassurance from XXXX XXXX XXXX XXXX that I would be clear of all liability for this unit. I was sent to a collection agency " XXXX XXXX XXXX ( XXXX ) '' without any notification and no communication. I see that {$6300.00} is reported all 3 of my credit report falsely and unknowingly that impacted my credit scores causing punitive damages. My character was misrepresented and I was unable to get a place in Georgia causing to move out of state and I didn't even know why. My credit score went down XXXX points and it impacted my result of getting a house. I feel XXXX XXXX  and XXXX XXXX, along with XXXX XXXX XXXX should be penalized for violated the credit reporting act in so many way. Please follow up on this. My number is XXXX. This was really misleading to have me sign a roommate release and then turn around and bill me charges for a place I didn't live at. I had great credit and never had this happen to me before. 
XXXX XXXX XXXX sold my information to an unauthorized Collection Agency " XXXX XXXX XXXX '. It was illegal for them them to give my private information out to another consumer after I was already released from all liability in a legal signed agreement. I was also mislead by the consumer illegally. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 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 Inquiry Date XXXX. XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; EQUIFAX MORTGAGE SER Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX - AUTO FINANCE Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX - CARD SERVICE Inquiry Date XXXX XXXX, XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

You're all set! We've received the item ( s ) listed below and we're refunding your account. Thanks for shopping at Macy 's. 
Order # : XXXX Order date : XX/XX/2020 Payment method : Visa XXXX Refunded amount : {$110.00} SHOP MACY 'S Item ( s ) XXXX XXXX XXXX XXXX XXXX Qty : 1 Color : Tan/Gold Type : HANDBAG {$100.00} Order total : {$100.00} Shipping : FREE Sales tax : {$7.00} TOTAL : {$110.00} Featured help topics MAKING CHANGES AFTER ORDERING CANCEL ORDER WHERE IS MY ORDER? 
FREE RETURNS MORE ... 
Have questions? Contact Us XXXX i received no refund no one answers CS and i try to email your email does not work please refund.
Complaint sub-issue: Debt is not yours

After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
Complaint sub-issue: Account status

XXXX -THIS COMPANY REPORTS ABOUT RENT ISSUE, FIRST OF ALL I MOVED GAVE 60 DAYS NOTICE, AT XXXX , BAD EXPIENCE XXXX I WAS NOT MOVING TIL 15 DAYS AFTER I INFORMED THEM THEY SAID OK, I WAS A GOOD TENANT, BEEN THERE 2 YEARS RENT WENT UP, I LEFT, I PAID WHAT THEY SAID OWED, WHEN I LEFT THEY SAID OWED XXXX DON ; T KNOW FOR WHAT I PAID XXXX, SO I WO N'T BE PUT INTO CREDIT REPORT, XXXX PROMISED, I JUST FOUND I BEEN REPORTED FOR NO REASON AFTER I PAID IN TIME, AND ONE OF MY REPORT SHOW XXXX I ALMOST CRIED, I CALL, THEY SAID WILL TAKE CARE, STILL ON MY CREDIT REPORT, IN REMARKS COMSUMER DISPUTING, I DID WEB ONLINE INVESTIGATION. PLEASE HELP ME. I DID NOT GET A RECEIPT, BUT TRANSACTIONS APPEARS ON MY BANK STATEMENTS, I CAN GET FROM BANK ...
Complaint sub-issue: Information belongs to someone else

Jerrerson Capital system has been attempting to collect a debit from me that does not belong to me. I have advised the creditors as well as the credit bureaus that account number XXXX does not belong to me. I was asked by the compmay to supply a copy of my ftc report which I have mailed at least 5 times and this account is still showing on my credit report, I would like Jefferson capital to stop attempting to collect on this debit with me and close this account
Complaint sub-issue: Debt is not yours

On XXXX XXXX, I received debt collection notice for {$3500.00} ( copy is attached ). It states that my account is delinquent for non-payment of the repair or replacement of Air Handler Unit on XX/XX/XXXX by XXXX XXXX XXXX XXXX. 
I sent letter disputing this debt for the following reason : I've never received the item or service from XXXX XXXX XXXX XXXX. 
I contacted the management office and they told me that it is for installation of AC unit on XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX. 
I've never contacted to XXXX XXXX XXXX XXXX, XXXX and didn't make a maintenance request to XXXX. Copy of invoice is attached, there is no customer signature authorizing work. 
According to XXXX XXXX of XXXX XXXX, maintenance of AC unit is owner responsibility ( copy is attached ). 
I sent letter to the Board of Directors, no reply. 
Therefore, I believe that XXXX placed unauthorized charge on my account for unauthorized service
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to discard this suspicious information. I think you have not validated these items 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. 
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: Was not notified of investigation status or results

I sent a Certified Dispute Letter to Equifax ( XXXX # XXXX ) and it was received on XX/XX/2021. 41 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.