Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

Hello, I am really so frustrated how Equifax is trying to destroy my credit. Here 's what they responded on XX/XX/XXXX and they never removed from my credit and their respond was they're stated we removed and you're any longer see that Collection wasn't mine. Please Here 's the actual email they responded to me and i would sincerely request to step in and involve these people are breaking the laws. 





Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items and the results are below : The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX The results of the investigation have been mailed to you. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at www.myEquifax.com. Here you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and the Core Credit product. You may also contact us at XXXX to speak to a Customer Service Representative.
Complaint sub-issue: Their investigation did not fix an error on your report

I have previously raised concerns regarding Equifax and believe they are now discriminating against me with how they reported my Credit Scores based on erroneous information being reported by XXXX XXXX which was paid off in XX/XX/2022 and has since been reported to XXXX XXXX XXXX. However, Equifax has refused to update my Credit Report to reflect the appropriate Paid Off Status within " PAYMENT STATUS '' section of my Credit Report. XXXX was Paid and Settled and should be reflected accordingly, so my scores can be properly adjusted. 

Also, XXXX was paid and Settled and is not reflecting that it has been Paid and Settled in the " PAYMENT STATUS '' section of my Equifax Credit Report. 

Also, my XXXX XXXX account is also showing the wrong " PAYMENT STATUS '' with Equifax, XXXX, & XXXX as this account was also PAID & Settled and should be reflected in the Algorithm which will update my scores and not only in a comments section of your report. 

Also, when I attempt to file a Credit Dispute with Equifax it is blocking me and not allowing me to file any type of Dispute or upload supporting documentation to validate my claim of erroneous, fraudulent, and discriminatory Reporting Practices. 

I am uploading my additional information from my FICO Report dated XX/XX/2022 which reflects where XXXX and XXXX was updated for XXXX and XXXX accounts, as these accounts were Paid and Settled.
Complaint sub-issue: Information belongs to someone else

i have sent documentation to both Equifax and XXXX, that shows that the XXXX account was opened by identity theft. i sent them a police report and my address at the time that it was opened that i did not live in the area or even the state where it was opened. and yet, they are still reporting this as accurate. i have asked them to show me documentation that shows my signature and they can not produce it. XXXX   couldnt verify it and they deleted it so how are Equifax and XXXX  reporting it as accurate??
Complaint sub-issue: Their investigation did not fix an error on your report

I sent Equifax a dispute letter about a Bankruptcy shown on my credit report, Equifax told me to contact XXXX because the bankruptcy was verified through XXXX and the clerk of courts, well XXXX and the clerk of courts both told me that Equifax has not contacted them about a bankruptcy on my credit report, XXXX do not show a bankruptcy on my file and informed me to contact Equifax, well Equifax sent a letter to me dated XX/XX/22 saying it was verified by XXXX. I have papers ready to bring to court proving Equifax lied, if this bankruptcy not removed ASAP
Complaint sub-issue: Their investigation did not fix an error on your report

This company continues to violate my consumer rights and the law but telling u that they are doing there job and following rules which i proof multiple time with document of how they just put all the accounts in dispute on XX/XX/XXXX but now it comeback as updated but they will tell u that they doing there job.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Well, here I go again to dispute Citibank-XXXX responses from their Reps which are being attached hereto. Case # XXXX After thorough investigations and numerous phone calls to XXXX XXXX XXXX and talking to different liars, it was found that after the fact that there was a valid and legal settlement about my debt with XXXX thru these people XXXX XXXX XXXX the account was sent back to Citibank. 
It looks like when XXXX saw what was the settlement amount ( fair to me ) they decided to retrieve this account from the collection Agency when ( according to their version ) the first payment had been processed. This is very irregular and non-honest procedure and what is more aggravating ; they allege that the second and third payments were never processed. 
I made 3 payments and have submitted 3 payment confirmation issued by this XXXX XXXX XXXX in accordance with the terms of our agreement and can not accept as valid Citibank-XXXX statement saying that there is no proof of payment for the second and third payments. 
I have received 2 letters from Citibank-XXXX officers with unsustainable arguments and I take exception of Citibank-XXXX arguments and furthermore I empower my right to object this procedure and demand from XXXX to respect the agreement with XXXX XXXX XXXX and basically to provide a full history about this account. 
Now XXXX XXXX XXXX need to get involved and explain from their side what really happened and what they did with my moneys after they issued 3 Payment Confirmation No need to stress the fact that this issue has been affecting badly my credit records and because of this I have been unable to do business, now three years.
Complaint sub-issue: Investigation took more than 30 days

Hi, This is my Third Time trying to get THE CFPB, to look at " THE FACT '', that EQUIFAX!! 

EQUIFAX REFUSES TO ACKNOWLEDGE THAT IT HAS TAKEN THEM WELL OVER THIRTY ( 30 ) DAYS. To respond to my Initial Disputes I've sent in, CERTIFIED, and TRACKED as well. Equifax is " CLEARLY VIOLATING MY CONSUMER RIGHT LAWS. '' I've sent in a Dispute on XX/XX/2021. They Keep giving me the Run Around. I NEED THIS SITUATION HANDLED IMMEDIATELY.
Complaint sub-issue: Reporting company used your report improperly

N accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, Account 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 instruction.
Complaint sub-issue: Their investigation did not fix an error on your report

I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )?
Complaint sub-issue: Account status incorrect

Well I never lived in XXXX florida I 've live at XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX for over 24 years. 
And I have a secured line of credit. I have no open lines of credit only secured line of credit at XXXX XXXX XXXX XXXX and I pay more than my minimum amount and usually pay off in full when I use that card. To my knowledge I do not owe XXXX dollars on any card. Like I said I pay attention to my credit and always pay more then what 's owed. And if I put XXXX in the bank that is a secured card with my money so go could I have a balance that is exceeding the amount I put in as a secured card. So please change this also I own XXXX XXXX XXXX and I 've owned this seance XXXX and before that I owned XXXX XXXX XXXX XXXX from XXXX to year XXXX So that needs to reflect in my report. I may have had a rough couple years but I have got back up and XXXX continue to move forward and it looks as if the credit bureau do n't take this credit concerns as seriously as I have ave in the past this is not the first time I 've complained about this issue and I hope you can do a better job of expressing my opinion to them better and get it changed finely for the last time. 
XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

This loan was opened by XXXX XXXX, the original purchaser on the vehicle. After some time, XXXX decides he doesn't want to be the buyer of the car and asks the dealership, XXXX, to come off the loan. The dealership then decides to run my credit, which was unworthy of a loan through their lenders. The vehicle was then asked to be surrendered, so the vehicle was returned to the dealership, and I am not responsible for the debt. They also have not reported it on my credit for years, and I've obtained copies of my credit report to prove it. I want it removed from my credit report and they are liable for damages, I've not been able to purchase a new vehicle because of this loan that doesn't belong to me.
Complaint sub-issue: Account information incorrect

My SSN was in the Equifax breech and XXXX XXXX Breech and my credit has Been ruined ever Since I always had good credit and now I cant even get a bank account or A XXXX pack of gum!!! Please help without credit in American you cant do XXXX buy a house Car nothing please help, Who do I ask for a CPN?
Complaint sub-issue: Was not notified of investigation status or results

To Whom It May Concern, The reason for me filing this complaint is due to XXXX XXXX XXXX failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
Complaint sub-issue: Need information about my balance/terms

Hello, my student loans have been repeatedly sold and each new lender can not provide information on previous payments and interest paid. I feel like my loans keep getting escalated and now the total amount due is overstated.
Complaint sub-issue: Card opened as result of identity theft or fraud

I feel like my life has been completely destroyed. Someone opened up a fraudulent credit card with DISCOVER in my name and accumulated all types of charges. I noticed the cards within my credit report in XX/XX/2018. I disputed the accounts and it was removed from my credit report after a thorough investigation. Now 4 months later the account has popped back up into my credit report from Discover Financial and dropped my credit score over 200 points. Ive disputed this account more than once and its been successfully removed and it continues to come back. I'm devastated right now. Contacting the FTC & CFPB was a last resort. PLEASE HELP ME GET THIS ISSUSE ALL CLEANED UP ....
Complaint sub-issue: Debt was paid

I rented a home in XXXX Michigan and Landlord had XXXX XXXX already and had put this in my name without me knowing. I had paid the bill monthly with no issues. Equipment needed to be taken back and I was unaware of the bill being in my name it was included in my rent per my landlord. He told me that he would take care of everything when my lease was up and now I see this bill on my credit and in my name.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22 I sent a formal request via certified mail to The Bureaus Inc regarding a collection account they are reporting under my social security number. 

I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local North Carolina laws. as well as competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

They are also in violation of the NORTH CAROLINA DEBT COLLECTION ACT, NC.GENERAL STATUTE.CODE XXXX et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in North Carolina unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

The NORTH CAROLINA DEBT COLLECTION ACT ( NCDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. NC. GENERAL.STATUTE. CODE XXXX ( b ). Furthermore, NC. GENERAL.STATUTE.XXXX  states that a person, firm, corporation or association conducting or operating a collection agency without the permit shall be guilty of a class I felony. 

As of today XX/XX/22 they are in violation of NORTH CAROLINA DEBT COLLECTION ACT, NC. GENERAL.STATUTE.CODE XXXX et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. 

To my knowledge, The XXXX XXXX DOES NOT have a XXXX bond on file with the NC Office of the Secretary of State, and are continuing to violate NC State Laws as well as Federal Debt Collection Laws. Due to this violation, any negatice tradelines on my credit report must be removed.
Complaint sub-issue: Attempted to collect wrong amount

ON XXXX XXXX MY EX HUSBAND AND I WENT TO XXXX AND JOINED A MEMBERSHIP WEBSITE WITH A COMPANY BY THE NAME OF XXXX. WE WERE TOLD THAT THIS MEMBERSHIP AT THE TIME COSTED {$2400.00} AND THE DOWN PAYMENT WOULD BE {$240.00}. ON OUR WAY HOME WE DECIDED TO WAIT BEFORE WE START DOING HOME IMPROVEMENTS ON OUR HOME. SO I CALLED THEM THE SAME DAY OR THE DAY AFTER AND TOLD THEM THAT WE WERE CANCELLING THE MEMBERSHIP AND TOLD THEM WHY. I'VE NEVER HEARD ANYTHING ELSE ABOUT THIS UNTIL XX/XX/2018 WHEN I RECEIVE A MESSAGE FROM XXXX XXXX  STATING THAT MY CREDIT SCORE HAS DROPPED DO TO A COLLECTIONS THAT HAS BEEN ADDED TO MY CREDIT. IT IS UNFAIR TO US TO HAVE TO PAY FOR SOMETHING WE NEVER USED. WE NEVER VISITED THEIR WEBSITE OR USED THEIR SERVICES FOR ANYTHING. I CONTACTED THE COLLECTION AGENCY OMEGA RMS THAT SAID WE OWE {$4100.00}. AND TOLD ME THAT THEY WERE HIRED TO COLLECT A DEBT AND TOLD ME TO CONTACT XXXX. I CONTACTED XXXX   AND STILL NOTHING HAPPENED THEY TOLD ME THAT BECAUSE WE SIGNED THE CONTRACT THIS IS OUR DEBT. I ASKED THEM TO PLEASE SEND ME A COPY OF THE CONTRACT AND HIGHLIGHT THE LINE THAT STATES WE CAN'T CHANGE OUR MIND. I COULD UNDERSTAND IF WE HAD WAITED 6 MONTHS OR EVEN A YEAR TO CALL AND CHANGE OUR MINDS BUT WE DIDN'T. I THINK WE CALLED EARLY ENOUGH TO NOT BE CHARGED.
Complaint sub-issue: Account information incorrect

Since XXXX of 2019 I have been disputing XXXX XXXX XXXX on my credit report. I have disputed this account with all three credit bureaus whom all responded to dispute as updated. However, after reading the FCRA I cant be dinged twice on an collections account. Just in XXXX 2020 Equifax reported that I was 120 days late with this account. The account was charged-off and is closed. I'm not sure a derogatory account is showing payment history/ Charged-off/ late payments. When I don't have a payment plan set-up with this company. This collections account reported late payments for all three bureaus in XXXX which impacted my score and report tremendously. I have disputed this with all three bureaus as stated for about 2 years and they keep saying verified. How can this be verified when the account is charged off/ closed?
Complaint sub-issue: Problem during payment process

On XX/XX/2019 I submitted an online request to XXXX XXXX XXXX to debit my XXXX for the full amount due ( {$6200.00} ) on my Fidelity Visa card. The request was processed as requested. Then, three days later, on XX/XX/2019 XXXX  XXXX   XXXX debited my XXXX again for {$4600.00}. 

On XX/XX/2019 I called XXXX XXXX  XXXX   Customer Service line @ XXXX to initiate a refund of the debit which was completely unjustified because of the pay-off three days earlier. The customer service rep indicated a refund would be processed ASAP. 

Eleven days letter, on XX/XX/XXXX, I receive a letter from XXXX XXXX XXXX  datedXX/XX/XXXX,  acknowledging the error and indicating that a refund will be received within 10 days. 

As a consumer, I find it ironic that if I fail to pay the balance due I'll be charged a ridiculously high late fee plus 16 % interest. Conversely, XXXX is free to hold my money for nearly a month. Accordingly, I request they XXXX  XXXX XXXX be obligated to remit to me interest equal to what they would have charged me had I done the same to them and held their money beyond the agreed upon due date. 

Further, I request that XXXX XXXX XXXX   improve their internal controls to ensure customer XXXXs are not debited/drafted for more than what is owed on their accounts. Automated financial systems can easily determine the necessary pay off balance prior to drafting customer accounts. Their practice of ensuring customer payments are processed quickly and customer refunds are processed slowly is a perfect example of how companies such as XXXX   XXXX XXXX takes advantage of their customers.
Complaint sub-issue: Public record information inaccurate

I had XXXX of XXXX  without a XXXX and the XXXX were dropped, and checkr reported to XXXX that I was XXXX this is not true
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX

3. XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

5. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX.

6. XXXX  XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

7. XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

8. U S DEPT OF ED/XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on 2/1/2010.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX  - XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 8. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXon XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX I went to the atm in XXXX IL to make a deposit of {$1300.00}. Only {$240.00} of that deposit went through and I was spit out a receipt saying that an error has occurred and my atm deposit could not be processed. At a time like this I can not afford to be short of my deposit. I called in regarding the {$1100.00} deposit difference that I am missing, and was told they would issue a dispute that would take 10 days for a provisional credit.. TEN DAYS??? at a time like this? I have the receipt saying there was an error. Why would someone need to wait 10 days to access their money? Isn't there a way of looking at that particular atm 's transactions and see what went wrong? I really need that money ASAP especially with not being able to go into branches etc at this time.
Complaint sub-issue: Account information incorrect

I have been disputing for a while with the credit bureaus and XXXX XXXX XXXX and they will not remove an old account from XXXX XXXX. This account went delinquent in XXXX of 2011 but it is still on my credit report. This is over 6 years and should not be reporting per Georgia Statute of Limitations on Debt Collection. In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( XXXX XXXX ). My Equifax and my XXXX credit files are still showing this account despite the multiple disputes.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I opened a Home Depot credit card in XXXX of XXXX and was told it was 2 years interest free ( waived interest ) with a 25.99 % interest applied to any charges made after the two years expires. The representative at the store insisted that I would not be responsible for any interest accrued during the promotional period charges. 

I was lied to by the sales representative in the store and the credit card representative over the phone- as this card has a deferred interest associated with it that I was not aware of. 

I set up auto payments and electronic statements upon receiving my card and making my first charge. I set up my payments to be above the monthly minimum and they were consistently paid on time. 

This promotion expired in XX/XX/XXXX where I had approximately {$3400.00} left on my credit card balance. My auto payments continued however I was charged approximately {$6800.00} in deferred interest in XXXX. 

I never received any email notification ( given I have electronic notifications ) that the promotion was expiring and there would be a deferred interest charge added to my total charges. This was a complete surprise to me. I logged in today, XX/XX/XXXX to pay the remainder of the balance in full to find it was {$8800.00} dollars. 

I called Citi to try and resolve it and informed them I was lied to and this is not how the credit card was sold to me and I was told there is nothing that can be done on their end. 

The pandemic has really affected me and my family and money is extremely tight. I can't afford to pay all this interest, especially when it's not what I signed up for. I feel cheated and taken advantage of and any help in the matter would be greatly appreciated.