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

After a dispute that I mailed to Equifax on XX/XX/2022, Equifax deleted on XX/XX/2022, XXXX XXXX XXXX XXXX. I reviewed my credit report again XX/XX/2022 and XXXX XXXX XXXX XXXX has been added back to my credit report. Today is XX/XX/2022 XXXX days from when I discovered XXXX XXXX XXXX XXXX had been added back to my credit report and I have received no notification within the 5 business day time limit the FCRA gives. Not knowing when it was inserted back, only knowing the date I discovered it, it has been longer than 5 business days, a direct violation of : 15 U.S. Code 1681i ( 5 ) ( B ) ( II ) - Notice to consumer - If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I never authorized the reinsertion of XXXX XXXX XXXX XXXX, therefore Equifax is in VIOLATION. Attached to this dispute is the initial letter I mailed to Equifax on XX/XX/2022, XX/XX/2022 tracking number, a copy of my revolving accounts credit report on XX/XX/2022 & XX/XX/2022.
Complaint sub-issue: Their investigation did not fix an error on your report

There are several items reporting on my credit file that does not belong to me. The following does not belong to me : Personal Information that is incorrect : XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( XXXX  & Equifax ) XXXX XXXX XXXX XXXX ( Equifax ) The following accounts are reporting inaccurate late payments status : XXXX - Date Open : XX/XX/XXXX ; Bal : {$0.00} ( XXXX, XXXX & Equifax ) XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$840.00} ( XXXX, XXXX, Equifax ) The following accounts was open as a result of identity theft ; these are not mine : XXXX XXXXXXXX - Date Open : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) XXXXXXXX XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$0.00} ( Equifax ) The following inquiries were not authorized by me : XXXX XXXX  ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( 9 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( 2 TIMES ) XXXX  ( 5 TIMES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Information belongs to someone else

On or around XX/XX/2020, I discovered numerous accounts on my credit reports, that were not opened by me. As a result of this theft, I have suffered irreperable harm, my credit score has been significantly affected, and the time that this has taken to remedy this damage has been unconscionable. 
I contacted the company CBNA, directly, a-prising them that they have mistakenly reporting adverse information on my report as I am not the person/individual that requested services, nor have I obtained any goods of any sort. 
As required by the FCRA, I subsequently mailed CBNA numerous documents, which included multiple police reports, affidivats, FTC reports and proof of my identity, letting them know this account was fraudulent.

They have continued to report this account on my credit report and in fact have negligently verified the validity of this account with XXXX  Credit reporting agency. I have asked that this account be remove from my report as a result. I have repeatedly asked for validation of this debt and the application that was signed requesting that this account be open. To date, they have sent me nothing, however, CBNA, continues to report this account as a charge off account. Further, negligent enablement of identity theft by false reporting, libel as well as continued false validation of this erroneous accounts violates many of my civil rights in accordance with FCRA rules. 
DOCUMENTS MAILED TO THIS COMPANY ARE AVAILABLE UPON REQUEST. DOCUMENTS HAVE BEEN MAILED 12 times since XX/XX/2020 2020
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In mid XXXX of XXXX, I got a balance notice text of almost {$700.00}. 
I immediately got online to see what the charges were since I had a XXXX balance for almost a year. NONE of the charges were mine. They were made on XX/XX/XXXX and XX/XX/XXXX, when I was with everyone that had access to my card was with me. I got home from work and the card was put away with in a safe with all my other cards I do not use. I do need to mention that this card expired XX/XX/XXXX and I had not received a replacement card nor did I activate one. I got on the app to file a fraud claim AND I called. They said they would investigate it. On XX/XX/XXXX, I received a letter saying they were closing my case and I still owed {$350.00} because the card had be used with the chip. I called BACK the same day, and opened up ANOTHER fraud case. 
On XX/XX/XXXX, I got an email from CITI asking was a charge mine, it was not. It has another woman 's name AND address on it. So one can assume this is the person who made the charges. I replied back stating this was not my charge and I did not give her permission to use my card. CITI said they would be in touch. The only time they got in touch was to tell me I was past due on my account. Which I WILL NOT pay. 
After nothing from them for months I called back on XX/XX/XXXX and they told me I had to dispute all the charges AGAIN. Then I get a letter on XX/XX/XXXX stating the same as the first letter that I was responsible for the charges. I don't know HOW they used the card when I clearly had it locked up but I did not make the charges. CITI knows who made them and they should go after them for the monthly payment. 
I am at a loss on what to do. Is there anything I can do to save my credit score at this point and get this wiped off. All I can talk to at CITI is data entry people and no one from security will reach out to me for help.
Complaint sub-issue: Was not notified of investigation status or results

Hows it possible that youve reported me 90-days late with no late payments prior to that? I was never late on this account.

I am not sure how this happened, I believe that I had made my  payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Billing dispute for services

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Complaint sub-issue: Their investigation did not fix an error on your report

Attached please find a second copy of my FTC Identity Theft Report which I mailed to all three credit bureaus on XX/XX/2019 after being advised by the FTC to submit it along with copies of my driver license, social security card and most recent utility bill with a letter that outlined these same accounts which I attached. The accounts are XXXX  XXXX XXXX acct no. XXXX and account no. XXXX. 

After speaking to the FTC again today after receiving a report with the accounts still listed I was directed by the FTC to file another complaint. The FTC directed me to a section of their website called Knowing My Rights ( attached ) under subheading pertaining to credit bureaus which states : Get credit bureaus to remove fraudulent information from your credit report. This is called blocking. You must send them a copy of your FTC Identity Theft Report, proof of your identity, and a letter stating which information is fraudulent. Then the credit bureau must tell the relevant creditor that someone stole your identity. Creditors can not turn fraudulent debts over to debt collectors. I am attaching. 

I have done this and mailed this information on XX/XX/2019 the credit bureaus are ignoring it. 

I have also sent My FTC Identity Theft Report directly to XXXX  XXXX XXXX. Under the FTC section Knowing Your Rights, Communicating With Creditors it states : Stop creditors and debt collectors from reporting fraudulent accounts. After you give them a copy of a valid FTC Identity Theft Report, they may not report fraudulent accounts to the credit reporting companies. 

Apparently neither the credit bureaus and XXXX  XXXX XXXX are ignoring the Federal Law and continuing to report fraudulent accounts. 

Please remove these accounts.
Complaint sub-issue: Information belongs to someone else

There's a charge-off loan account from XXXX XXXX appearing on my credit report. I've never had an installment loan account with XXXX XXXX. Therefore, this account has to be a product of identity theft.
Complaint sub-issue: Problem with balance transfer

XX/XX/22 XXXX transfer posted for XXXX. 
Called the company the payment was supposed to go tothey received nothing. I called Discover and realized it was sent to the wrong account. They filed a dispute. 

I resubmitted the balance transfer, triple checking that all information is correct. I called the company that was supposed to receive the payment againthey had received nothing. I called Discover backsent to the wrong account again. Now they wont file a dispute for a certain amount of time even though they clearly see its going to the wrong account. And no one can answer why they keep sending it to the wrong account.
Complaint sub-issue: Account status incorrect

Due to extenuating circumstances I went on a payment plan with them in the beginning of this year. I told the rep that my hours were furloughed and I needed some help. So I was to pay one month of payment in two installments as I did not qualify for deferment and they never even mentioned anything about COVID deferment at that time. I did not think much of it. I paid half {$320.00} when I called and then I paid the other half along with the monthly payment {$970.00} on XX/XX/XXXX before their due date of XX/XX/XXXX. Since it was a Saturday I even emailed their customer service on XX/XX/XXXX stating to update their records and not report the account late. 

But what do you know they reported this account late not only for XXXX but also for XXXX as well. I disputed with the CRAs to no avail. So I sent XXXXXXXX XXXX a goodwill letter to not report it as late. They declined to update my report even when it was their oversight and so I think it is gross misrepresentation of the reporting they have furnished. And of course they don't err on the side of customer service like all the other companies yet are intent on destroying people 's credits and credibility. 
Most of the complaints online where they have mistakenly reported and ruined people 's credits their response is if we do a goodwill adjustment to you we have to do it to all. That is just ludicrous. So they would rather destroy everyone 's credit not just yours. 

Dismal customer service. If anything else could be said for this company, it is that their customer service, for all their bluster, is atrocious. I realize that it is next to impossible to place the blame squarely on the customer service representative, since their managers and supervisors are ultimately responsible for the way their staff interact with customers. Apologies does not solve problems, results and actions do. As a matter of course, I occasionally become frustrated with the service and simply depart but in this case you can't do that because you have a mortgage with them. I even emailed goodwill letters to their executives about my issues and never even received an acknowledgment that they have received my messages. That is why I said their service is left much to be desired as it falters from top down.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing these XXXX 3 XXXX accounts for over 8 months XXXX starting in XXXX of 2018 ) now with each bureau, as well as directly with the creditors in question. They both always claim the accounts and information are verified and valid, but when asked for their method of verification or proof that they are actually conducting an independent investigation, they never give me any information on that. 
1.In all of this time I have only gotten 1 reply from the creditor " US DEPT OF ED '', wherein they stated their claims were valid. When I then pointed out that the information was inaccurate because it was different information with each bureau, I never got a reply from the creditor again, and each bureau just continually told me the info was " verified ''. There has also never been any mention of this account being in dispute on my report, which is an FCRA violation. 
2. This account " XXXX '' also consistently comes back " VERIFIED '' from each bureau with no further info on how. Each bureau has different information listed for this account and upon pointing that out, the info never changes when they reply it's verified. This account also has never been listed as " disputed '' which is an FCRA violation. 
3. The account " DEPT OF ED/XXXX '' XXXX 3 accounts ) has also been disputed multiple times for report info that is different across each bureau. This account was never marked as disputed on my report. Also for the name that is listed on my report is " DEPT OF ED/XXXX '' when the company 's actual name is XXXX, XXXX as if to insinuate they have some affiliation with the US Department of Education which is also a violation. 
4. I have reached out many times to each credit bureau and the debt collector " XXXX XXXX '' trying to get a copy of any contract or promissory note that I have consented to between myself and this company that verifies this account 's validity. Every time they tell me the account is valid and their proof is what looks to be a transaction history that I don't recognize on an account with a company other than theirs. XXXX photos will be attached XXXX 5. I have reached out many times to each credit bureau and the debt collector " XXXX XXXX XXXX  '' trying to get a copy of any contract or promissory note that I have consented to between myself and this company that verifies this account 's validity. Every time they tell me the account is valid and their proof is what looks to be a private lease agreement from a company other than theirs containing my ( redacted XXXX personal information. XXXX photos will be attached ) 6. " XXXX XXXX  '' This account has been " VERIFIED '' as accurate, even though each bureau has reported different account status such as charged-off and open. I have also requested multiple times for a copy of any contract or promissory note that I have consented to between myself and this company that verifies this account 's validity. Each time they only send me a screenshot of a write-off amount from another company with no evidence tying me to their company. ( photos attached )
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I placed an order for a consumer report with XXXX XXXX. During which time I received the report approximately a week and a 1/2 later. Upon reviewing the report, majority of the information, had discrepancies, so I carefully went through and marked off all of the inaccurate information. I then contacted XXXX XXXX a few months later in XX/XX/XXXX and requested that day do an investigation and remove the inaccurate information. I ask how long it should take in the representative explain to me approximately 30 days, during this call I also literally went from page to page ( 25 ) expressing to the representative each thing that was incorrect, This Was time consuming. 

90 days had went pass and I had never received a response from XXXX XXXX, so I decided to call again. When I called the 2nd representative, initially said that there was no information in the system about me requesting inaccurate items to be removed. She then had to go into a different system and found my initial requests, that initial request still did not display all the items I requested to be removed meaning the initial rep missed some things. The new representative apologized and explained to me that the initial request was never submitted, she verified all the things that was in the system, and she then resubmitted it. 

This was back in XXXX around the XXXX. It has now been over an additional 30 days and the second rep assured me it will be expedited because the initial representative did not submit the request the 1st time. To date i still have not received a response and i feel if i call again it would just be the run around. 

This information is financially harming me by showing inaccurate info on the major credit bureaus, as this is the source they use to verify info on my credit file. As A result it 's not allowing me to get the best rates on credit card and loans.
Complaint sub-issue: Information belongs to someone else

I am a consumer in pursuant to 15 USC 1692 A3 XXXX, Equifax, and XXXX is in violation of 15 USC 805 Communication in connection with debt collection ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX, Equifax, nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} XXXX violation.
Complaint sub-issue: Information belongs to someone else

these are not my account and inquiries, i have never apply for these. 
i don't have any contracts with these companies, no documents with my signature.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block this account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

According to Equifax, I am a potential/likely victim of their lack of security regarding my personal information. I am now at a higher risk of identity theft and fraud. I should have been notified months ago regarding this breach. It has been handled poorly be the executive team at Equifax.
Complaint sub-issue: Trouble with how payments are being handled

I have been in PSLF-eligible payments since XXXX of XXXX. FEDloan is documenting only 48 qualified payments out of 82 ( 12 payments in each of XXXX plus 10 payments in XXXX so far ). I have always had PSLF-qualified loans AND payment plans. I have submitted employment eligibility  regularly over the years, and that is documented in my accounts.