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

I have disputed this creditor on my credit report XXXX. with XXXX and Equifax more than several times and I just keep getting the same result despite my efforts of sending documents to support this claim against this creditor. I have filed complaints on this creditor a long with a compliant about XXXX. some years ago. since then I have filed a lawsuit against them for violating the Debt Collection Practices Act. and they are reporting the account closed but. also the XXXX and Equifax keep putting remarks on this account saying its affected by natural Disater it is not a current student loan it is over thirty years old its just been updated because the THE GOVERNMENT KEEP LETTING THIS COMPANY OPERATE WITH THEIR RUTHLESS PARTICES DESPITE ALL THE COMPLAINTS AGAINST THIS CREDITOR. DESTORYING PEOPLE CREDIT AND LIVES.
Complaint sub-issue: Didn't receive services that were advertised

Credit Karma website advised me that I had EXCELLENT & GOOD approval odds, and when I applied I get denied.
Complaint sub-issue: Investigation took more than 30 days

On XXXX XXXX, I mailed a letter to the credit bureaus asking them to correct 5 mistakes on my credit report. Over 45 days have past, and I have not yet received a response from Equifax or XXXX XXXX. They were supposed to respond within 30 days.
Complaint sub-issue: Information belongs to someone else

The address updated incorrectly. - Wrong zip code XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted - Dispute this Address XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted
Complaint sub-issue: Information belongs to someone else

There are three accounts that do not belong to me, and or are in clear violation of the fair credit reporting act. Reason : Date of Last Activity are different between bureaus ; 040 Account involved in litigation. 
105 Disputes Dates of Last Payment/Opened/ of First Delinquency/Billing/Closed. 
106 Disputes present/previous Account Status/Payment History Profile/Payment. 

I have been doing extensive research on the FCRA laws and clearly these three creditors are in violation of these laws. I kindly ask that you remove them from my credit profile, as these companies are at risk of me filing for civil actions in court. Please remove them immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried several times to let the bureaus know there were fraudulent accounts listed on my report. According to law these items must be removed. I did not consent to any of these items that are placed on my report. I was denied employment several times because of my report and I noticed these inaccurate items are hurting me the most.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX, XXXX XXXX Balance : {$57.00} ; XXXX  XXXX XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX  XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX/XXXX/2021
Complaint sub-issue: Information belongs to someone else

Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was in a accident in XXXX. I have loan with XXXX  XXXX. They have no remorse for there customers. Im trying to refinance my car to go to another bank but I cant because I was reported late to the credit bureaus. This is a severe situation. I believe there ploicy is to keep you with them. I pleaded with severe hardship.I lost an XXXX and Im so distaught my family is to I need help please I need the XXXX late removed please
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have contacted both   XXXX  ,  Lexis Nexis  and   XXXX   and made them all aware that I was a victim of identity theft and provided them both a copy of my police report, identity theft affidavit, driver 's license, social security card and a recent bill and asked them both to act in accordance with the FCRA Section 605 ( B ), by blocking the information that I have detailed to them that was fraudulent from my credit file and they both have refused to comply with the law. I have sent both credit reporting agencies all of the aforementioned details by certified so I can prove them having received this information and I can also prove their non compliance to the FCRA that governs them, and they have neither  one  done anything other than treat my complaints of identity theft as a normal dispute. I have tried to contact both companies by phone as well to speak with them about their non compliance to the law concerning identity theft, but when you speak to them on the phone they tell you that there is nothing called the FCRA. The agents that work about both of these agencies are oblivious to the fact that there are laws that govern their conduct and they just try to take advantage of the victim. Sometimes when you call they will hang up on you, or they will flat out refuse to assist you in any meaningful way.  <P/> These credit bureaus are not complying withe laws that govern them and they both should be sanctioned and investigated. I have simply asked them both to comply with the law and block certain fraudulent information from my credit file after having provided all of the required documents, but they refuse to abide by the law. The people that work at these companies are extremely unskilled and not familiar with the law and the rules and regulations that govern them and they in turn treat the consumer in a demeaning manner. When I have mentioned to the representatives at both  XXXX   Lexis Nexis , and  XXXX  that they could be fined and sued for their unethical practices they do n't take it seriously and they will tell you then just sue us then. Is this really the way that credit reporting agencies are allowed to act in the  USA?  This is unethical behavior that they are displaying and I hope that The CFPB will not continue to allow them to get away with it.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been consistently trying to get these inaccurate items removed from my credit report! My family and I have been a victim to this madness for sometime now. These items are clearly in violation of the FCRA. My family and I have already been stressed and struggling due to COVID now things are becoming worse simply because we are no able to apply for credit because these inaccurate items that are being reported has been causing our scores to drag which results in constant denials for credit. Please help resolve this ISSUE. I am in the process of seeking compensation for my troubles if these issues are not resolved immediately.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I stayed at the XXXX XXXX in XXXX, XXXX. I paid {$330.00} through XXXX on XX/XX/2022 for the evening of XX/XX/2022. When I arrived, the hotel insisted I never paid even though I had my CC statement and the receipt from XXXX to show them. Then they tried to charge me more than double the room price ( {$650.00} ) and Discover declined it due to an exceeding of my credit limit. After this, they processed the {$300.00} incidental hold ( which over the phone they told me twice that they do not charge to any guests ). 

The room was atrocious, shower floor was falling apart under my feet, bugs were flying around the room, hair and dirt all over the room and bathroom, room phone was broken, 1/4 roll of toilet paper was provided. I went to dinner and came back to discover these details. The front desk would not answer the phone when I used my cell ( since the room phone was broken ), no one was at the desk when I went down. They abandoned the desk until XXXX, I was forced to stay because I could not get my card off file since no one was there to assist me in the middle of the night. I have contacted them directly and asked for a refund through the messaging feature on XXXX app, they said a manager would reach me but no one has. I asked XXXX for help, they said they cant. So I contacted Discover, my CC company. They said because I stayed the night they cant dispute the charge. However, I tried to leave but there wasnt anyone available at the front desk to assist me. This is insanity and I need my money back. Please help me. I went to XXXX for a hospital visit because I have a health problem. This was a 3 hour drive plus a 3 hour train ride then a walk to the hotel just to result in such a disgusting situation.
Complaint sub-issue: Debt was result of identity theft

After speaking with Citibank about the credit card that was unknowingly opened by a family member and filing a complaint with the cfpb, they had responded to my complaint stating that they had conducted a investigation. The fraud department states that they had found a joint account with my name associated with it that was making payments. I was unaware of these payment and have now started making two payments because the bank refuses to acknowledge that this card was opened fraudulently. Furthermore, the message that Citi responded back with stated that they would add comments to my credit report which stated that the consumer does not agree with the findings. I have not used this credit card nor did I personally knowingly open this credit card.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX : XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Equifax : XXXX XXXX XXXX Balance XXXX {$25.00} XXXX XXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from XXXX   XXXX XXXX XXXX. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted XXXX, Equifax, and XXXX  on XX/XX/XXXX to file disputes. Then I contacted XXXX and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from XXXX XXXX  on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted XXXX XXXX  and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Its been several months now I have been in consistent contact with Equifax consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Equifax. Equifax has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Equifax has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a  consumer my rights have an continued to be violated and Equifax should be held accountability. Equifax has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Equifax is liable.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2020 XXXX  subtracted 48 points from my credit score because of a remark that was added by XXXX XXXX. That remark was immediately removed from my XXXX  credit report the same day by XXXX XXXX but XXXX  failed to restore and add the 48 points back to my score. 
EquiFax did the very same thing on XX/XX/2020 for 24 points and failed to restore and add the 24 points back to my total score. I have submitted complaints to both credit reporting agencies in writing to no avail. It's hard enough making the effort to raise your score then to have the actual credit reporting agency remove points so that all the companies out there and the underhanded finance system can continue to exploit the majority of people with high interest car loans and little to no capital payoff amounts. And are they supposed to do any of this during Covid-19 pandemic. If I can I would like to sue them in a court of law.
Complaint sub-issue: Charged too much interest

Best Buy purchase almost 2 years back. All payments made on time. {$1500.00} balance, {$670.00} interest added all at once in XX/XX/2019 for total of {$2100.00}. Was told payoff was {$1100.00} but another {$300.00} in interest would be added if paid off. Called to inquire, told it was a program with interest added at the end.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and XXXX distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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
Complaint sub-issue: Their investigation did not fix an error on your report

The burden of proof is on Equifax, XXXX, and XXXX not the consumer. I am tired of this cat and mouse game with these CRA 's. I have sent a METHOD OF VERIFICATION letter to Equifax, XXXX, and XXXX did not verify the two collection accounts on my credit. XXXX XXXX and XXXX XXXX are not my accounts they are fraudulent accounts/not mine. Equifax, XXXX, and XXXX are not allowed to tell me you will not reinvestigate a dispute according to FCRA 611 ( a ) ( 7 ). I sent a method of verification to Equifax, XXXX, and XXXX and I sent a validation letter to the collection agencies. Neither collection agency validated the accounts so therefore I know for a fact you did not verify these accounts. You also reinserted the accounts without verifying nor validating and that 's against the law. I have not given any third party collection agency permission to share any information if the accounts were valid. I will be sending a certified letter to the CEO of all CRA 's concerning this ongoing problem and I will be starting legal action against Equifax, XXXX and XXXX. XXXX is not a valid form of verification. These accounts do not belong to me and I want them removed immediately.
Complaint sub-issue: Other problem getting your report or credit score

You guys responded the account is cclosed but is not on credit
Complaint sub-issue: Account status incorrect

As of XX/XX/XXXX my XXXX Bank Credit Card debt in the amount of {$3000.00} was cancelled and reported to the IRS. On XX/XX/XXXX I submitted the 1099-C Cancellation of Debt form that I received from XXXX Bank to the IRS on XXXX XXXX tax filing as income for the discharged debt amount of {$3000.00}. On XX/XX/XXXX I requested that XXXX Bank, Equifax, XXXX, and XXXX update the account status on my credit report to reflect that this debt was cancelled and to date there has been no change. XXXX Bank is still reporting to the credit bureaus that this account has a balance and past due amount of {$3000.00}. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Complaint sub-issue: Deposits and withdrawals

We opened XXXX accounts with Ally Bank : a personal savings account and a family trust account. XXXX minor deposits and XXXX large deposits were made to each account. The XXXX large deposits were the result of property sales and closings. Thereafter, we attempted to send several wires for the purchase of other properties as well as add a " linked '' account for my brother so we could make payments to him. None of the wires were sent out and the bank account addition caused the account to be flagged for fraud. Both my wife and I then provided all of the documents that the bank required to prove we are who we say we are including our licenses, social security, pictures of us holding our IDs, and utility bills. We did that and the bank, after several lengthy phone calls, is continuing to restrict our access to our money and our account. This is our life savings and they are playing games. They initially told us it could take up to 3 days and now they are saying 30. They will not give us the almost {$1.00} XXXX back. 

We have not only complied with their requests, but have followed up multiple times and have spent hours on the phone only to have no resolutions whatsoever. Today, the customer service representative, in so many words, told us " they would decide what they would be doing with our accounts '' and they sent us to a voicemail box with no other foreseeable resolution. 

We owe money we can not pay and missed two property closings due to Ally Bank holding our money hostage. We just want our money back and to be done with this bank forever. This action on their part is irreparably harming us financially and causing extreme emotional distress.
Complaint sub-issue: Confusing or misleading advertising about the card

I received a letter on Keybank letterhead from Keybank Prepaid Card Services XXXX XXXX XXXX XXXX, CO XXXX. It referred to an account ending in XXXX in my name. 

I don't have a prepaid card, so I called to get clarification. The young lady said it wasn't a scam, but she was aware of other people calling in about something similar. She asked for my birthdate to validate and then the call dropped. I'm not sure if this was a scam, so reporting it just in case.