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

I opened an account with XXXX XXXX  XXXX in order to rent an instrument for my son. At the end of the contract, the instrument was returned, but my account was still charged for months afterward. Despite numerous calls made to the company, I kept receiving inaccurate bills ( which I did not pay ). Finally, a manager called me to let me know that the account was straightened out and my account would be credited for all of the extraneous charges. Unfortunately, my account was never credited and it was passed along to collections. I would like this account closed and derogatory information be removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I just received a notification on my Equifax account saying my dispute was settled and the results are available on line. ( See Equifax notification ). Yet this is another lie Equifax is telling because these results are not available on line to me. ( See result disputes 1,2and 3 ) They ( Equifax send me a notification saying the results of my dispute are ready and available to me on line when they know they have no intention of letting see the results on line. They know that I will file another complaint against them if they can not provide credible evidence to rule against me in the dispute. Look for yourself. I have already filed a complaint with the Georgia Attorney General office against Equifax since the CFPB refuse to do anything. Equifax is lying my results are not available to me on line nor to they have any intention of making those results available to me.
Complaint sub-issue: Information belongs to someone else

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXXXX/XX/XXXX {$74000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$980.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX   XX/XX/XXXX {$7400.00} XXXX XXXX XXXX XX/XX/XXXX {$320.00}
Complaint sub-issue: Reporting company used your report improperly

OFFICE OF THE ATTY XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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. I have records proving I was I never late.
Complaint sub-issue: Information belongs to someone else

I am disputing XXXX account # XXXX due to the fact that it is being reported inaccurately : as highlighted in the attached, the last OK status is reported as XX/XX/XXXX which doesnt tie into the date closed reported as XX/XX/XXXX. 
Please investigate and delete this inaccurate disputed account
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I mad my XX/XX/XXXXcar payment which was XXXX $ with the processing fee which left my balance at XXXX $ I then made an early payment for XX/XX/XXXX on XX/XX/XXXX of XXXX and asked that the extra XXXX $ be applied to principle On XX/XX/XXXX I made an early payment for XX/XX/XXXX of XXXX and asked the extra XXXX $ be applied to principle balance None of my principle payments have been applied to the balance and the company has not updated my payments since XX/XX/2018 which is 3 months ago.
Complaint sub-issue: Account information incorrect

Over the past week they have recalculated my score when there has been no new reports from creditors. On XX/XX/21 score dropped XXXX points I called and spoke to rep and he said he didnt see anything that would cause score to drop. He said it would be recalculated and should be fixed and it was it went back to XXXX on XX/XX/21. On XX/XX/21 it went down XXXX points. Nothing new had happened on account since it went up on XX/XX/21. I called in and an agent was naming off stuff that had been on account for years and I said that shouldnt cause it to drop as those things were there when it went up to XXXX. Then they said well give it a few days and see. Well that would mean they are recalculating scores more than 3 times a month which can severely affect credit and ability to get things like a house which Im trying to do. They pull credit at the beginning and end of buying and equifax just randomly and superfluously pulling scores or recalculating them and decreasing them erroneously when NOTHING has changed seems almost criminal.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this Discover Bank account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, delete, and blocked off my consumer credit report immediately
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX XXXX, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Complaint sub-issue: Reporting company used your report improperly

I dont have a contract with ( XXXX XXXX XXXX Also this is fraudulent because I was unfortunately XXXX  during the time this account was open. Pursant to 18 USC 8, I owe no debt, This company ( Jefferson Capital System ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious account. I think they have not validated this account 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 # s XXXX, XXXX, XXXX and I'm including it again. Please check payment history, date open, last activity and Status of XXXX XXXX  XXXX i believe it was reporting in error.
Complaint sub-issue: Reporting company used your report improperly

A LETTER TO HAVE THESE INACCURATE INQUIRIES WAS SENT TO XXXX, XXXX AND XXXX ON XX/XX/2021.
Complaint sub-issue: Information belongs to someone else

I've recently notice an account on my credit report that do not belong to me. I filed a FTC report and mailed it certified mail to Equifax more than 30 business days ago. Equifax has no verified the account and still has not removed the account. According to the FCRA reporting agencies must verify all information before reporting to a consumer credit report. 

Account Name Account Number XXXX XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX I disputed XXXX with XXXX, equifax, and XXXX. Equifax and XXXX said the debt was found to be valid, but XXXX deleted the item from my credit file. When I informed the third party debt collector, they removed the item from all 4 of my credit files. The debt has been found to not be valid. The item needs to be removed from my credit history. Please see supporting documents and remove the item from my credit files.
Complaint sub-issue: Information belongs to someone else

I been tryibn to get these errors off of my credit profiles for a very long time with no luck. The credit bureuas are not helpful. please help.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I notified BB & T on Monday, XXXX XXXX 2017 of a fraudulent transaction I found on my statement. I called XXXX spoke with XXXX and reported a fraudulent charge in the amount of {$760.00} posted to my account on XXXX XXXX 2017 I was  given a case number but the funds have not been returned to my account as of XXXX, XXXX 2017. I was under the impression according to the Federal Fair Credit and Reporting Act that this unknown and fraudulent charge is to be returned to my account immediately while any further investigation ensues. I have since called BB & T asking to be transferred to the fraud department to discuss an existing claim and have been put on interminable holds both times.
Complaint sub-issue: Their investigation did not fix an error on your report

I have notified, via certified mail, the credit bureau named Equifax 4 times to validate and verify some accounts ( 4 in particular ) on my report. The companies are XXXX XXXX & XXXX XXXX ( {$4000.00} & {$1200.00} ), XXXX XXXX XXXX XXXX XXXX ( {$670.00} ), and XXXX XXXX XXXX ( {$0.00} ). The first letter is dated XX/XX/2018, second letter is dated XX/XX/2018, third letter is dated XX/XX/2018, and fourth letter is dated and notarized on XX/XX/2018. They have all come back as " verified '' or " updated '' on my report. I asked for their method and proof of verification under FCRA section 609 and 611. Equifax NEVER sent me their method, nor any signed contracts. At the same time as my fourth attempt, with this bureau, I also reached out to the Creditor/Debt Collection Companies. I asked them to " validate '' the debt and, in response, all I received was itemized lists and statements that they say I owe. NO SIGNED CONTRACTS. I believe Equifax is using their XXXX  system to pair information and are not conducting an independent and reasonable investigation. If Equifax had conducted a proper investigation there is no way these items would remain on my credit report.
Complaint sub-issue: Personal information incorrect

Some of my personal information is incorrect and needs to be corrected. I was a victim of fraud and still living the nightmare.
Complaint sub-issue: Their investigation did not fix an error on your report

I have advised Eqiufax on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. I have never paid the XXXX/XXXX   account late, I have never paid the XXXX/XXXX account late, I have never paid the DEPTEDXXXX account late. The XXXX XXXX account does not belong to me, the XXXX XXXX  account does not belong to me, the XXXX XXXX XXXX account does not belong to me, the US DEPT ED account does not belong to me, the XXXX XXXX XXXX XXXX account does not belong to me, the XXXX XXXX account does not belong to me. Equifax has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.
Complaint sub-issue: Information belongs to someone else

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX  XXXX Balance : {$190.00} MEDICAL XXXX Balance : {$140.00} MEDICAL XXXX Balance : {$170.00} MEDICAL XXXX Balance : {$100.00} MEDICAL XXXX Balance : {$130.00} MEDICAL XXXX Balance : {$89.00} MEDICAL XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I collection debt was added to my credit report in XX/XX/2018 by XXXX XXXX for the amount of {$460.00}, I tried to contact the company I they said they were looking into this and never got a call back, I tried calling again several times and they kept pushing me away.. 

The weird thing is I have a XXXX account active and I do all my payments monthly with out any delays and still have this collection deb, it does not make any sense.
Complaint sub-issue: Information belongs to someone else

I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Complaint sub-issue: Information belongs to someone else

I am waiting to delete the following information In my life. The items I need deleted are listed in The report. 
I am a victim of identity theft and did not make The Charge.

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 commission identity theft Affidavit. Please delete the items as soon as possible
Complaint sub-issue: Inadequate help over the phone

I am in dire need of your help. My credit was ruined as a result of suffering from " HURRICANE XXXX '' in XXXX XXXX. The Flood insurance only reimbursed me {$23000.00}. after I had submitted all the paid receipts for work I had to have done on my house and all of the losses that occurred, totally over {$120000.00}. ( my house still is not finished, because I ran out of money ) By XXXX XXXX my22.5 year marriage ended, & mostly due to the financial impact from the Flood insurance. So now I am divorced & living in an unfinished house that I had put a tremendous amour of money in to repair & it 's not even worth what we paid for it, {$560000.00} in XX/XX/XXXX. I desperately need to re-fi but my credit is not good enough. My mortgage ( {$380000.00}. ) is at 4.5 % & a XXXX ( {$53000.00} ) at 6.99 %. If things do n't get better I will lose my house. 
I have worked very hard at cleaning up my credit but I just do n't seem to get a head because of things I can not control or understand. There are numerous problems with this CREDIT REPORTING SYSTEM, but for now I am only addressing this XXXX instance. 
I subscribe to XXXX credit reporting agencies on line, XXXX is " XXXX '' & the other is " EQUIFAX ''. I watch my credit scores & the reports closely & earlier in XXXX according to EQUIFAX MY SCORE WAS # XXXX & on " XXXX '' it was # XXXX, under EQUIFAX. WHY ALL THE DIFFERENT SCORES FROM THE SAME PLACES IS BEYOND ME, & VERY DIFFICULT TO WORK WITH, NEVER KNOWING WHAT IS CORRECT! ( but that 's a different topic ) XXXX of the necessary things I need to do is establish NEW CREDIT. I looked up & found that with my scores I would be able to acquire a CREDIT CARD from XXXX XXXX. I applied & to my surprise I GOT REJECTED! I got rejected because when XXXX XXXX inquired about my score FROM EQUIFAX, THEY REPORTED MY SCORE AS XXXX! I NEVER WOULD HAVE APPLIED IF I SUSPECTED THAT THEY WOULD REPRT SUCH A DIFFERENT SCORE THAN THE ONE THE GAVE ME! I called EQUIFAX, & explained what happened & they did n't know why. They knew my score was higher than XXXX but they did n't know why they told XXXX XXXX it was so low. Then they gave me a phone # to tell XXXX XXXX THAT EQUIFAX MADE A XXXX & THAT XXXX XXXX COULD CALL & VERIFY THAT IT WAS HIGHER. XXXX XXXX, thought I was stupid & told me that they were not going to call EQUIFAX! 
And the BEST PART, AFTER I WAS REJECTED, EQUIFAX LOWER MY SCORE FOR TRYING TO GET A CREDIT CARD. 
I have attached all the pertentant documentation. Thank you for your help. I look forward to hearing from you! XXXX
Complaint sub-issue: Threatened to sue you for very old debt

My father and I each get a random phone call from from a local phone number ( XXXX ) XXXX. My father answers his phone and the person on the other end says he's trying to contact me. He gives my father a call back number, ( XXXX ) XXXX. I call the number. The man who picks up says his name is XXXX XXXX, but he doesn't have a debt collector ID number. He says I owe a {$310.00} debt with U.S. Bank from the year 2010. He mentioned possible litigation if I don't resolve the issue immediately. He also had my name, date of birth, and last four digits of my social security number. I feel as though it was a fraudulent attempt to try and steal money from me.
Complaint sub-issue: Account terms

I have a XXXX XXXX on my and my husband credit I have called them I get transferred over and over spent hours on the phone just for them to tell me they will send me a bill to show me what it is for but it never comes. So it is on our credit as part of my bankruptcy when this was paid in full we were with this company for years. When I first went to XXXX years ago they told me my husband and son had the same name so my sons up grade got added to our account by mistake. The point is it is affecting my credit and I want it taken off.This is showing on all three bureaus on mine and my husband. I have no documents due to the fact it is so old.
Complaint sub-issue: Account status

I have repeatedly submitted evidence to Equifax demonstrating an account " XXXX XXXX '' they are reporting as " part of bankruptcy '', was NOT included in my bankruptcy. I have included a copy of my bankruptcy schedule ( attached ), to show it is not included. ( BOTH XXXX and XXXX removed the bankruptcy information listed on this account, immediately, upon first request. ) I have now disputed at least 3 times with Equifax and they refuse to remove this incorrect information. Equifax has the physical evidence that they are incorrectly reporting this information, and yet they willfully and deliberately continue to. They have received evidence via certified mail as well as uploaded online. Attached is a copy of my most recent letter to Equifax , and all supporting documents provided to them, ( the same as was provided to each of the other XXXX credit reporting agencies. ) This deliberately and incorrectly reported information is drastically affecting my life and is tantamount to fraud. I respectfully submit my complaint against Equifax in hope for assistance in fixing their harm. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

XXXXi noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2018 I was ordering online a mattress pad from XXXX 's online when a pop up asked if I wanted to apply for a XXXX 's card. I had unlocked my credit to apply for a XXXX 's ( which went smoothly ) and a XXXX  's card from XX/XX/2018 to XX/XX/2018 to do so.I was told by XXXX that it would be good to place a fraud alert since I was removing my credit freeze for 3 months. So I said that would be fine even tho I have never had any fraud. I applied for the XXXX 's on the pop up on XX/XX/2018. I could not see anywhere on the pop up that the application had gone in. On XX/XX/2018 I called the XXXX, s number and asked if they had received the online application. The representative said just give me your information and I will put it in and they will contact you. I then received a letter from XXXX, s XX/XX/2018 saying declined unable to verify identity information. They had used XXXX. On XX/XX/2018 a letter from XXXX, s again saying declined because I was recently declined.They had used XXXX. I called XXXX  's to explain the above situation of 2 applications. The representative had no answer for me on what to do. On XX/XX/2018 I received a 3rd letter from XXXX 's saying I was declined because unable to verify credit reference due to security alert. ( which XXXX  had recommended ) and they had used XXXX. I called XXXX  for my credit report and it was fine.They had no answers for me. I would like to know why I could not get a supervisor at XXXX 's or XXXX  to look into this and help the consumer ( me ) .I understand XXXX  's is not obligated to issue credit to anyone.This is however a very frustrating to me since I trusted both XXXX and XXXX , s.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$24000.00} US DEPT ED XXXX {$1300.00} US DEPT ED XXXX {$2300.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX XXXX XXXX {$400.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Complaint sub-issue: Don't agree with the fees charged

on XXXX XXXX XXXX I paid XXXX to Great lakes to payoff my Student loans for XXXX College for our one semester in Spring/Summer of XXXX XXXX XXXX XXXX XXXX XXXX Has been closed Since XXXX of XXXX Because of the 48 hour special We would like Great Lakes to Return Our Money Since This School XXXX College Never fulfilled their obligations For their Students Thank you for your time and hopefully for your future Integrity..