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

To Whom It May Concern Equifax is listing erroneous and fraudulent information on my credit report. I have written Equifax last year XXXX and again on XX/XX/XXXX and have sent them the original documentation of my Identification and proof of address, that proves the information they have listed in my credit file is fraudulent. 

Fraudulent and erroneous Information listed on my credit report that needs to be removed Erroneous/Fraudulent Account : A. Creditor : XXXX XXXX XXXX/XXXX : Unknown Account I wrote this creditor in XX/XX/XXXX and requested documents, contracts or agreements with my signature showing that I owe them money. They responded stating that there was no account found and requested my social security number and additional information. I did not send this information because we have no contract, and they would have this information. This account had been removed from all 3 credit bureaus and has reappeared.. 

B. Creditor : XXXX XXXX Account Number is Unknown I also wrote twice to this alleged creditor requesting debt validation and an agreement with my signature and they had 30 days each time from receipt of letter to send to me, and they have not responded, but XXXX somehow " verifies '' this item as belonging to me. 


C. Creditor : XXXX XXXX Account Unknown Previously deleted account and re-appeared as XXXX. This is the same organization which could not adequately verify the debt and had been deleted. 



Equifax is not giving me a proper investigation and Equifax is knowingly and willfully placing fraudulent and erroneous information on my credit report. As you know consumers credit reports must be 100 % accurate, my credit report is not and XXXX is purposely violating the FCRA. Please make them remove the fraudulent and erroneous listed above off my credit report.
Complaint sub-issue: Contacted your employer

A Uprova representative contacted my workplace by phone call multiple times on XX/XX/2022 ; XX/XX/2022 ; and XX/XX/2022 ; and identified the debt collector as Uprova. The phone number used to contact my workplace on each occasion was XXXX ( XXXX ) XXXX. My workplace has various phone numbers, and this representative has called each one. I understand that these calls are meant to intimidate and harass me. Furthermore, I have already informed Uprova that my employer does not allow these types of calls at work and I am at risk of losing my job. Additionally, I sent a Revocation of Authority to Contact Third Parties on XX/XX/2022. I can confirm that Uprova has received this letter.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

In reviewing my transactions on XX/XX/2021 with a representative at XXXX, ADP card services, it was brought to my attention that there were many unauthorized charges in the amount of {$1100.00} on my account with a company called XXXX. I explained to the rep that the charges were fraudulent and I have never had a XXXX account or used their services and would like to dispute the transactions. A dispute investigation was opened and the compromised account was closed and I was issued a new debit card. On XX/XX/2021 I was asked to sign and submit a Statement of Fraud form which I did and emailed it to the Dispute Department on XX/XX/2021. On XX/XX/2021, I received correspondence from XXXX, ADP indicating the investigation was completed and it was determined that the charges were legitimate and I would not be able to recover any of the money stolen from my account and the investigation was closed. I immediately called to discuss this decision as I was extremally upset by this. The rep I spoke with on XX/XX/2021 told me that based on what they determined I must have had an account with the merchant to make these charges. I explained over and over again that I do not nor have I ever had an account with XXXX. The rep stated that I could send a written request to receive the investigation materials and or provide proof from XXXX that I am not in their system as a customer. I was provided a telephone number that does not work to speak with someone at XXXX is nearly impossible in order to provide this proof to XXXX. I just want to recover my money. I placed another call to XXXX  on XX/XX/2021 with my mother to gather more information on how it was decided to close the investigation. If I'm having a hard time contacting XXXX  about these charges, who did they speak with to decide it was me that made all these charges and closed the investigation without really investigating I was passed around to numerous departments with no one really providing any assistance and finally after two hours of this, I was disconnected and no one bothered to call me back. Why ask for a call back number if you are disconnected and then when you are disconnected no one calls you back. I now have to call back and get back in the que and wait 40 plus minuets for another rep to start this process all over again. I feel as though XXXX  has handled my situation completely unprofessional and non caring which is unacceptable as a customer who had his hard earned money placed into this company hands and this company has no regard or protection to help me recover what belongs to me which I worked hard to have and not be stolen from me. Not one rep could answer if my funds were FDIC insured.
Complaint sub-issue: No notice of investigation status/result

I have filed several disputes with XXXX and Equifax for Maryland State Tax Liens. I was able to obtain lien releases for both tax liens for XXXX and XXXX, which should have been removed in XXXX and XXXX respectively. The credit reporting agency refused to remove these liens, reported incorrect account and case numbers, and court information on the reports. When I called the number on the credit report, the information is not verifiable and I was told that this information does not exist. In essence, the credit reporting agencies are " rubber stamping '' invalid and incorrect information without confirming the validity of the liens. The courts do not report to the credit reporting agencies. Also, these liens are over XXXX to XXXX XXXX XXXX, well beyond the age limit for credit reporting. This has caused financial distress and caused me to be denied for Home Equity loans, mortgage loan modifications, student loans for my children, and other consumer loans. This has adversely affected my FICO score.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC1692g ( b ). I have right to dispute this debt. As stated in my cease and desist I am also invoking my right not to be contacted by no other means but through written mail. DIscover Financial services has violated my cease and desist by continuing to harrass me by phone attempting to collect on a debt that is in dispute. I am disputing this alleged debt within 30 periods prescribed under 15 USC 1692g my failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court. Furthermore Discover Financial Service is in violation Pursuant to 15 USC 1692c. I never gave them permission to contact me by phone. I clearly sent them a cease and desist notifying in writing that I the consumer exerciser my right to cease further communication through any medium other written mail.
Complaint sub-issue: Their investigation did not fix an error on your report

Regional Acceptance Corporation from a loan/lease in 2009. A car lease was purchased in my name sometime in 2009 with Regional Acceptance Corporation. I have been disputing this with them as it pertains to my XXXX & XXXX Credit Reports for quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my XXXX & XXXX Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the XXXX Security Breach & the  XXXX Security Breach. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments {$2600.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company XXXX XXXX XXXX XX/XX/2022 XXXX To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
Complaint sub-issue: Reporting company used your report improperly

I have submitted several disputes regarding this issue!! I received a letter from Equifax dated XX/XX/2022 stating that they have verified this alleged XXXX  with XXXX XXXX and XXXX XXXX XXXX XXXX. Meanwhile I received a letter from XXXX XXXX on XX/XX/2022 stating that this XXXX XXXX has been removed due to incorrect information. I also received a letter from the XXXX XXXX  XXXX stating that they do not verify any information with credit bureau 's. I submitted a complaint via CFPB and EQUIFAX AGAIN!!!!! stated that they have VERIFED this account!! WHICH IS IMPOSSIBLE!!!! Equifax is now in violation of several consumer laws! I did not receive a fair investigation and they are failing to follow proper dispute procedures according to FCRA guidelines. They are not furnishing and reporting inaccurate information and according to 15 USC 1681s-2 ( A ) ( 1 ) it states that 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. I have the right to an accurate credit report. I also have the right to seek damages for violations according to FCRA. If this is not removed, I will be seeing legal counsel for Willful violations. 
I have attached correspondence from Equifax, XXXX XXXX  and The XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with fees

I paid the account credit card off in full end of XX/XX/2020 and with XXXX payment. XXXX bill said I owed another $ XXXX+ interest. Got another bill in XXXX with more interest and late charges ( was out of town for a couple of weeks end of XXXX ). Called Citi XX/XX/XXXX. They gave a credit of interest and late fees for 1 month and said for me to wait a couple of days and call back for remaining interest and fees credit and for credit to be processed. I called today XX/XX/XXXX to find Citi had NOT given me the stated credit and I now owe $ XXXX+.  Spoke with supervisor to try and resolve the problem. 
Bottom line, account was paid in full XX/XX/XXXX, Citi charged bogus interest on XXXX statement and before XXXX payment was even due charged more interest and late fees. Called back to get the additional credit to clear the account and previous credit which they said they would give they did not honor. I have good credit ( XXXX says very dependable ) so I think they are trying to stick me. If they do this to 10k customers, that is a hefty amount of money.
Complaint sub-issue: Account information incorrect

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with XXXX XXXX to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. XXXX XXXX has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. XXXX XXXX did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, Equifax and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( XXXX ) ( C ). XXXX XXXX and the consumer reporting agencies ' conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. My consumer report does not include a report containing information solely as to transactions or experiences which means late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). 15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. XXXX XXXX has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account. According to 15 USC 1602 ( p ) XXXX XXXX does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification XXXX XXXX and the consumer reporting agencies are committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy.
Complaint sub-issue: Was not notified of investigation status or results

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? I want this taken care of immediately!
Complaint sub-issue: Investigation took more than 30 days

On XXXX XXXX I found out theres a collection item showed on my credit report with Equifax when I was getting a mortgage from the bank. I had to postpone the closing due to the mismatch info. I contacted Equifax right away and agent helped me start the dispute process. I was told it took 15-20 business days to resolve. During the time, I tried to call several time to seek help to accelerate the process as I had to pay high interest for the delay of closing the mortgage. They confirmed the latest date I should receive a final solution is XX/XX/XXXX. Now is XX/XX/XXXX, Ive got nth from them. I had to call another three time. Every time I got different answers regarding the timeframe I would expect for the solution. Firstly, its totally over the timeline they promised. Secondly, It seems all agents goal is to get customer off the phone, other than listen and resolve the problem. I understand it might not be out of their hands for those who picked up customer calls to resolve a credit profile. But as a big organization, they should have certain procedures to deal with urgent case like this. Every single day they delay resolving problem, I have to pay high interest. ( 9.15 % as of XXXX XXXX ). Not to mention it was XXXX fault to have mismatch info on my credit file. The dispute its about a hospital bill which I never been there. I provided my health card which show proof my medical history that I never been to that hospital. I was told who owned the bill probably just had similar name as mine. Im super upset for the whole process and want to have Equifax to fix their problem asapcomplaint file yesterday. But the response I get is company will give final response within 60 days, which is ridiculous. Equifax agent told me the collection is from a company named collection network, which I believe No long existed. They just sent request to this ghost company which will never respond. They could have confirmed with the hospital if I as a customer ever visit their by checking medical record. It should be a easy fix, if anyone from Equifax really cares about people and find a real way to solve the problem. I file a complaint yesterday but the response I receive its the same as every single agent on the phone working on the issue. Its unacceptable as you cant just tell people to wait infinitely. Im pretty sure if someone really escalate the case it could have been resolved long time ago. I might be homeless anytime soon if I dont get this mortgage application done asap. I have great credit and minimal liability, but due to Equifax original mistake that to put someone elses debt into my profile. I cant have my mortgage done. Interest increase again, really money consequences as of 9.65 % interest rate to me now. Dont tell me to wait again, just take action.
Complaint sub-issue: Personal information

I have asked equifax, XXXX and XXXX to remove inaccurate address and phone number for my credit. I was told by all XXXX that they will be remove the information but they still showing up on my credit report.
Complaint sub-issue: Received bad information about your loan

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ). Reported differently across the bureaus. I demand this to be removed right away because of its inaccuracies that is detrimental to my credit report.
Complaint sub-issue: Problem getting your free annual credit report

After filling out all the info on Equifax free online credit report site and answering their questions they said they can not do it online and now I have to fill out lots of personal info and send a copy of my W-2 form to them to have a report mailed to me.
Complaint sub-issue: Account status incorrect

XXXX XXXX Bank has allowed multiple credit cards to be opened in my name. I have reported this to them, only to have the same issue repeat. They have also allowed someone to access the account, change the address and online access, without my consent.
Complaint sub-issue: Their investigation did not fix an error on your report

Private Student Loan Account has been disputed with XXXX Credit Bureau. It continues to update monthly showing as over 120 days late. The Loan was originally with Loan to Learn. The account was included in a bankruptcy and is not backed by the government. Each time I dispute the information and submit proof from my Bankruptcy it shows that it was verified with the lender. When I called XXXX  to get the contact information for the company the number I was given was XXXX. That number is no longer in service. The website for Loan to Learn only has a mailing address and email. I have written both with no response. The other two credit bureaus : XXXX and XXXX both show that the account is closed and was listed in the Bankruptcy. 
This has been disputed 4 times. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and again today XX/XX/2018. I have no options to speak with some one to clear up this account one way or another.
Complaint sub-issue: Information is not mine

XXXX XXXX, XXXXRef, # XXXX ( not sure if everyone uses this ref # ) Hi, My name is XXXX, I have a charge off on my credit report with equifax that is Not mine. XXXX XXXX XXXX recently put a charge off from a credit card on my credit history that is Not mine. XXXX XXXX XXXX agreed, that I have no responsibility for this card, never signed for this card, never gave permission for my credit to be associated with this card and that the charge off would be removed from my report immediately! It has n't happen. I cant thank you enough for helping! The charge off and non payment according to XXXX XXXX XXXX started in XX/XX/XXXX and was never associated with my credit, XXXX XXXX XXXX apologized for the inconvenience and would push for immediate removal ... its been 60 days. According to the cards history it was opened and in default in XX/XX/XXXX, I never signed for this, never gave permission for my credit to be used to obtain this card, never associated my credit with this card and all the sudden the charge off appeared on my credit report in XXXX, XXXX this negative credit report has cost me greatly! I had permission to sign on this card, ( for a short time, but never responsible for payment, never gave permission for my credit score to be associated with this, this was fraudulent to have me on this card. XXXX XXXX XXXX agreed, I am not responsible and this should not be on my credit history. What can I do? 

XXXX XXXX XXXX gave me a credit card in XX/XX/XXXX ( bc I had great credit, no charge off on my credit report ... ..but then all the sudden they decide to attach this?? ) Why would they give me a credit card if I had a credit card in my name with a XXXX balance ... bc it was not mine! ) Also, I have disputed another charge from XXXX XXXX XXXX, where I closed a credit card ( went into the Bank ... banker remembers, closed ( so I thought, paid completely off, waited one month to make sure everything was cleared ) Closed then moved. A automatic draft started back up with a company we had used in the past and the put it on a card they had on file ( XXXX XXXX XXXX card ) The card actually didnt close, we never received bill ) Until oneday I received a phone call that XXXX XXXX XXXX received a return to sender, Bill they had been sending out to me for payment. I immediately paid, they sent me a letter, but its still showing on my account as negative. Thank you for helping me with solving these matters, I have spent countless hours working on solving these issues! I have hope and really cant thank you enough, it was freeing just writing this note! 

I am getting Help!!! Thank you so very Must!!!