Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

In XXXX I settled a credit card account with Macy 's. The account was closed, however a duplicate of the account was also added to my credit report. The account has two separate account numbers, but the account ending in XXXX clearly states that it was previously closed or sold. In credit disputes in XXXX, XXXX and XXXX I have requested the duplicate accounts be removed from my reports. Each time the creditor reports to the credit bureaus that the information is correct and the disputes are closed. I sent letters to the credit in XXXX and XXXX requesting the deletion. On XX/XX/2021, I received a letter stating that their would be no change because the information is correct. I called after receiving that letter and I was told that the info was still under investigation because I had opened a new dispute with the bureaus. However, On XX/XX/2021 I received notification from the bureau that the dispute was closed and the information is correct. I called the creditor again and was told that they are only showing the one account in my name with my social and I should file an appeal. I was also informed that although I'm doing what's requested, I would probably would not get a deletion because " we don't do that ''.
Complaint sub-issue: Frequent or repeated calls

I get 3 spam calls a day, every week, except weekends. This has been happening for years. It is a Robocaller, asking for a debt to be paid under someone else 's name. They never answer when you call back to tell them to stop. 

I have blocked the number, but I can still see in my call history that they have attempted to call. I've been part of the Do Not Call list for years. 

This is the list of the times and dates that I received calls in just a week- there is more, but I've only added a week for the sake of this complaint : XX/XX/2020 - XXXX, XXXX, and XXXX. 

XX/XX/2020 - XXXX, XXXX, and XXXX XX/XX/2020 - XXXX, XXXX XX/XX/2020 - XXXX, XXXX XX/XX/2020 - XXXX ( I've attached a screenshot of my call history to this complaint )
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

12 U.S. Code 83 - Loans by bank on its own stock U.S. Code Notes prev | next ( a ) General prohibition No national bank shall make any loan or discount on the security of the shares of its own capital stock. 

( b ) Exclusion For purposes of this section, a national bank shall not be deemed to be making a loan or discount on the security of the shares of its own capital stock if it acquires the stock to prevent loss upon a debt previously contracted for in good faith. 





Offset the balance. Bring it to {$0.00}. Leave the account opened. 

Open-ended, No limit. 

I express my intent, per law. But I would like to bring the balance to 0 according to US code 15 U.S. Code 1666 and also due to the fact that banks do not lend according to ( 12 U.S. Code 83 ) I know that this Is doable. Also I would like my late payment removed from all credit reports as well due to the fact I have a history of paying on time with XXXX  thank you
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has dumped tons of fraudulent accounts on my credit reports and these accounts were moved years ago and all them were placed back on them the same time time same month in middle the summers I have been sending documents and police reports and FTC reports at my own expense and Im seeking legal actions with this bureau they never fixed my credit reports and hanging up my phone calls and didnt remove any bad accounts off my credit reports
Complaint sub-issue: Public record

XXXX 2009. I have asked them to remove it since it has been 7 years and the credit bureaus refuse to remove it. They 're saying it will stay on my credit report for 10 years
Complaint sub-issue: Debt was result of identity theft

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/2015 Amount : {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was charged by great value vacations XXXX on XX/XX/XXXX On XX/XX/XXXX they sent me an email that they canceled my trip due to covid. They wanted to give me a voucher but i want a refund. 

I wrote them that i wanted a refund on XX/XX/XXXX and they never responded Since they canceled the trip i should get the refund as I was ready to go in XXXX My other credit card XXXX XXXX disputed the amount for the portion i put on that card and that was for {$3800.00} and they were able to refund my money I can email my docs
Complaint sub-issue: Was not notified of investigation status or results

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Complaint sub-issue: Debt is not yours

My name is XXXX XXXX! My complaint is in regards to a collections account on my credit from AMERICOLLECT. The collection is in the amount of {$640.00} and claims to be from a medical bill. The collection was opened XX/XX/2016. I have attempted to dispute this collection and request information from the Collection agency as I have no knowledge of this claim. I have had XXXX insurance most of my life and all of my medical expenses are covered. When I attempted to request Information and proof of validity the collection agency refused to give me any information other than the amount thats owed. I have no recollection of owing a medical bill and do not believe this claim to be accurate. Please help!
Complaint sub-issue: Other problem getting your report or credit score

In XX/XX/XXXX I signed up with XXXX XXXX, a company that 's affiliated with Equifax to monitor your credit. I am a victim of Identity Theft and this monitoring product allows you to lock and unlock your credit file. On XX/XX/XXXX I tried to unlock my file to get my credit reports. There was an error message that read " Temporarily unavailable ''. Since it was XXXX I had to wait to speak with a Customer Representative. On the XX/XX/XXXX I tried to unlock my credit file again, but this time the error message was " Request failed ''. It has been reporting that error ever since the XX/XX/XXXX. I  contacted XXXX XXXX and informed them of the error message. They told me that I had a Security Freeze and I needed to speak with the Freeze department. I was connected and after speaking with them, I was informed that I do n't have a Freeze that it 's an issue with XXXX XXXX. I called back and spoke with another Rep who basically told me the exact same thing that I had a freeze and there was nothing that XXXX XXXX could do about it. They told me they would escalate it the IT department and I would receive a phone call in 24 to 48 hours. I never received a call. I called back on the XX/XX/XXXX and spoke with a supervisor that assured me that the problem would be fixed in 24 hours. It NEVER was or has been. I have been dealing with this since XX/XX/XXXX. I asked how long it would be to fix the problem and a supervisor told me that she did n't have time frame of when it would be fixed. This has caused major problems for me. I am trying to buy a house, but the Mortgage company is unable to pull my Equifax Credit Report. I think it is totally unacceptable for a company to be able to do this to consumers without any explanation and with no regard for how this would affect their lives. I went to Equifax because i thought it would hep me, instead it has only hurt me. Until this day, XX/XX/XXXX my Equifax Credit file remains Locked and no one seems to know what 's going on or how to fix it. This is unacceptable.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Date XX/XX/2022 Dear Equifax, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Consumer reporting agency EQUIFAX has violated my federally protected consumer rights under the civil liability for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ). 
By Withholding account data with intent to negatively affect my consumer credit score, by falsely reporting on two of my accounts in the Comments field Charge Amount in H/C column is credit limit which report {$0.00}. And withholding account data in the Credit Limit field on eight of my accounts which report {$0.00}. With intent to negatively affect my consumer credit score and utilization.

Which I upload to provided factual information directly from my consumer credit report.

15 U.S. Code 1681n Civil liability for willful noncompliance ( a ) In general, any person who willfully fails to comply with any requirement imposed under this sub chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnisherXXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

There is a collection account that shows on my Equifax credit report that is NOT my account. On several occasions, latest one certified on XX/XX/2021. I advised Equifax this was NOT my debt. They refused to delete this debt and state they " validated '' this debt. There is NO way they could have validated this debt because it does not exist. I asked them repeatedly for all the info that was " validated. '' They NEVER provided. I have also contacted the creditor ( XXXX XXXX ) and they NEVER validated this debt as well. In fact, they refuse to make contact with me. They never sent me anything. I have written communications with them on six separate dates which they NEVER replied. This item should be deleted from Equifax credit report. It is not on my other reports. I contacted Equifax yesterday and repeated the dispute online. Within 15 minutes, they concluded the dispute online stating they " verified '' this debt again. IN 15 MINUTES! There is no way they are being truthful. This is ruining my reputation. This untrue information needs to be deleted off my credit report. XXXX XXXX  {$960.00}.
Complaint sub-issue: Old information reappears or never goes away

Bankruptcy XXXX item should not appear on my credit report.
Complaint sub-issue: Didn't receive notice of right to dispute

Since XXXX there is a multiple collection agencies who are ruining my credit report for an unknown company this has to stop! I need help to stop reporting each year false information and I think it comes from XXXX where I filed a complaint with the FTC but never have any answer. XXXX stole XXXX XXXX from me in XXXX and I cancel the contract after paying thousands they owe me more than {$5000.00} since XX/XX/XXXX and the FTC never did anything. If this is them it is illegal to claim money when it is false and it is the reverse! I thought it will stop to report false I formation as I called them but no. They continue to use ( I believe its XXXX XXXX new collection agency to ruin people credit report and its unfair. What can I do? After 5 years of battle to stop them?
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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: Debt is not mine

I had terrible service and experience with XXXX when I lived in AZ. Many times I wish I could have to cancelled this service and change providers however XXXX had a contract with the renting complex where I lived. Personally I feel that was leverage for the company to not provide better service. When the time came for me to move, I immediately cancelled my service and was advised that I can the return cable box with the front leasing office to pick up from UPS ( which I did ). I do not have the cable box or subsequent service with XXXX. I am so frustrated because many times I paid for service when it was not working with XXXX, and when they tried to charge me for not returning the box or returning it late, I would not pay it out of principle for their poor service. There should be many calls/complaints on record of my experience with XXXX. I would like to have this off my credit report asap.
Complaint sub-issue: Their investigation did not fix an error on your report

Account says I was late and past due on payments when looking at account clearly show no amount was past due and I also never paid late my credit report should show this and when looked at it looks obviously wrong
Complaint sub-issue: Investigation took too long

XXXX XXXX XXXX, 2015 I submitted a dispute to Equifax regarding an account that was unlawfully transferred and reporting inaccurate and false information. I requested the descriptions and procedures of the reinvestigation as well, as my attorney has notified me were my rights to have. Equifax continually claimed they verified the account and sent me a notice saying that it was updated with new information. This account was reared and dates were added to include it to be active in 2015. This information is absolutely inaccurate. I requested the descriptions and procedures and they sent me a separate letters, after i wrote a letter requesting their methods of verification, that it was not their responsibility to provide that information to me. I asked who spoke to whom and when and how was this verified and even updated and they refused to answer my question. This investigation was done past XXXX days and finally after months of fighting i wrote them threatening to file an FTC complaint and they did not respond to me again and continually ignored my letters sent certified mail. In XX/XX/XXXX i filed my first CFPB complaint and they claimed, that on XXXX XXXX, 2015 they 'CALLED ' to verify and spoke " personally '' to someone at that department. This " verification '' which they are attempting to falsely XXXX me up with was only done nearly XXXX months to the day that I requested an investigation along WITH the descriptions and procedures, which were never provided to me. This account continues to be inaccurate and it was unlawfully placed on my file. I have never had an account settled or owed to the US Department of Education. Before any transfers were done this account was settled with Pell Overpayments. They verified a transfer with someone else ( a male ) i am a woman. Therefore this account was never authorized to be paid or transferred by me. The Us Dept of Eductaion knows that they falsely transferred this an do not wish to be honest about it andI have filed a formal complaint against them and they have informed me that they are checking phone records and signatures to investigate who authorized this account to be transferred when no amount was due to them and no one ever spoke to me. I have never been delinquent on anything in my life. There has been a tremendous injustice done unto me and they refuse to see that this account is under investigation and was fraudulently placed on my file. Equifax is lying about doing an investigation, they have no proof, they send me NOTHING and they had not responded in over XXXX days initially and now they claimed to have called on XXXX XXXX? No, that is unprofessional, unacceptable and too late. This account must be removed immediately!
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/2021 XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My dispute is with Discover Card. XXXX XXXX XXXX charged me {$7200.00} to handle an IRS issue. I had to sign a form to authorize them to charge my card so they can start working on my matter. {$4000.00} was charged to Discover. XXXX never resolved the problem and left me hanging with the IRS. I had urgent letter from the IRS faxed to XXXX and the case manager never acknowledged two emails, four phone calls so I had to hire another tax attorney for another {$1000.00} to try and resolve the matter. Discover told me to mail my documentation and I did so and they sent me the contract that I authorized XXXX to charge my card that is fine if they did the job they contracted to do. There is a clause that all urgent letters be sent to XXXX immediately and the client ( me ) must respond promptly to their calls. I guess it does not work the other way they never got back to me until the BBB contacted them. Then their quality assurance person told me we can partially refund you if I drop all complaints against them and take down bad reviews. That is " Blackmail '' Discover is not working on my behalf they accepted the non fact that they provided the service which not the truth why would pay another {$1000.00} to tax attorney to take over the handling. I wrote to the CEO of Discover and waiting on response. This is " no brainer '' XXXX did not do what they advertise to do and told me what they would do. I been ripped off.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. Which is affecting me in various way and making it difficult for me to get a property. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Debt is not yours

Has on collection open on XX/XX/2022 for the amount of XXXX which I never open an account the pasts months. 
I have another collection open in XX/XX/2022 for the amount of XXXX which I say again havent open any account in the past months. 
I called XXXX  and direct me to the complaint to get rid of those accounts off my credic
Complaint sub-issue: Public record information inaccurate

I have filed a dispute quite a few times that the state lien on my credit report is not accurate in balance nor does it contain the required information to be reported on my credit report. The CRAs have agreed to remove tax liens from credit reports based on the " XXXX XXXX XXXX XXXX '', part of which includes a new policy to exclude from their credit reports any tax lien or judgment that does not identify the name, address, and at least the date of birth OR the social security number of the consumer. The lien information I have does not have the correct information nor is the balance on my credit report the same.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation.