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

Data furnisher XXXX and credit reporting agency Equifax failed to comply with the agreed-upon industry-standard of reporting - XXXX Metro 2 " Reasonable cause '' . 

XXXX # XXXX is reporting in clear violation of the FCRA and Metro 2 . ( reasonable cause ) Specifically, the furnisher must not furnish information it knows or has reasonable cause to believe is inaccurate. Inaccurate information is those items that at least one CRA already has determined to be inaccurate, incomplete, or unverifiable. For example, a CRA that concludes, after reinvestigating a consumers dispute, that an item of information is inaccurate or incomplete or can not be verified must notify the furnisher that the information has been modified or deleted. ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Such a notice should provide reasonable cause to believe that the information is inaccurate and meets the further requirement that its basis is more than solely allegations by the consumer. In that case, a furnisher must then cease reporting the information, not simply because of the statutory mandate, ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) but also in the interest of maintaining consistently accurate information among the various CRAs and helping meet the separate directive that severely limits the reinsertion of deleted information. 

XXXX and XXXX both have deleted this account after their re-investigation.
Complaint sub-issue: Reporting company used your report improperly

15 U.S. Code 1681a - Definitions ; rules of construction : ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

So, if the ( consumer report ) does not include transactions or experiences where does late payments and utilizations come from? 

On XX/XX/2022 I Sent a letter to the Credit Reporting Agency requesting investigation on all Late Payments appearing on my credit file and sent it Certified, Return Receipt Requested. 

I have a letter from the USPS indicating said dispute letter was received by them on XX/XX/2022 They are clearly in violation because, as of today 's date I have not heard from them and when I call they seem to be giving me the run around. 

They have not investigated nothing and it's well past the 30 day period allowed by Federal Law.

Aside from that, as per the above Law sited, late payments should not even be included in a consumer report. 

In any event, as of now they are in clear violation of my Federal Consumer Laws.
Complaint sub-issue: Reinserted previously deleted info

I have a debt on my credit report with XXXX, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX last year and removed, XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.
Complaint sub-issue: Didn't receive notice of right to dispute

I C Systems sent debt to collections entered it on my credit report never contacted me on my credit report it doesn't provide any identifying info such as an account number or anything
Complaint sub-issue: Debt was result of identity theft

Hunter Warfield in XXXX, Florida called me looking for XXXX for a rental agreement that was identity fraud. This was not me. I asked them for email confirmation with this statement and I have still yet to receive this file. They told me I need to fill out an identity fraud affidavit and a police report. I told them i will not do this until i get the paper work with them. I also called the apartment complex but have yet to hear back.
Complaint sub-issue: Information belongs to someone else

i have disputed " The XXXX XXXX '' with XXXX, Equifax, XXXX  multiple accounts and it seems all these accounts have been removed from my XXXX  reports and it hasn't been removed from XXXX & Equifax and all bureaus are supposed to have consistent information. it is a charged off with a balance on it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Complaint sub-issue: Information belongs to someone else

I have disputed these fraudulent accounts several times and it has not been resolved. I sent in an FTC ID Theft Affidavit and they still have not complied with the guidelines under the FCRA. I have attached the documents for review.
Complaint sub-issue: Information belongs to someone else

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED ACCOUNTS, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP. THANK YOU.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. 

XXXX XXXX XXXX : Account # XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX-RETAIL : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX CARD SERVICE : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX sent me a letter this past week stating they reviewed my account that I was disputing a late payment that was reporting on my credit report for XX/XX/XXXX. The letter states that they will fix it with the credit reporting agencys to update my credit reports and put this account as accounts that are satisfactory with no late payments. I wish to note I have 2 XXXX  XXXX credit cards. I am disputing the account that was opened in XX/XX/XXXX with a {$500.00} credit limit not my other XXXX  XXXX account. I received my XXXX  credit report today and the 30 day late payment is still reporting it was supposed to be removed according to the letter from XXXX  XXXX.
Complaint sub-issue: Funds not handled or disbursed as instructed

Someone was able to log into my bank account, steal my identity, and issue a {$49000.00} wire transfer emptying my savings account. I received an email confirming the transaction, and I immediately realized to be the victim of fraudulent activity. I called the bank within 2 minutes, but unfortunately, due to slow customer service and heavy calls volume, I could only speak to a fraud specialist XXXX later. The fraud department told me that, unfortunately, the funds were already gone and helped me to start a claim and submit an affidavit. ( This happened within the first 2 hours from the time of the fraud on XX/XX/2022 ). On a recorded line, the Fraud specialist also assured me that I would receive a provisional credit pending investigation. The bank later refused to credit me for the amount bringing up company policy and other excuses regarding wire transfer fraud protocols.
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit  report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due  diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Account status

XXXX Mortgage company had reported me to all credit bureaus as FORECLOSURE HAD STARTED -- -absolutely complete lie!! I had reached out to Consumer financial protection agency to get XXXX to own up to their errors, which they did and finally XXXX sent me a letter to inform me that XXXX would contact all credit bureau agencies to repair the damage. Equifax will not accept the letter from XXXX they want an " electronic deletion from XXXX directly ''. XXXX is not entertaining my request and told me they already sent the letter and that 's enough. I do not feel I am being treated fairly from Equifax! XXXX account needs to be PERMANTLY removed from my credit reports as well as the HARMFUL " foreclosure '' remark needs to be removed from all XXXX credit agencies : EQUIFAX, XXXX AND XXXX!!! I have monitor systems on all these accounts and the foreclosure is still being reported!! 
Thank you!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX XXXX XXXX  Account # XXXX US DEPT ED Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX US DEPT ED Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX 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.
Complaint sub-issue: Attempted to collect wrong amount

I paid half of the total amount owed as agreed between myself and the original creditor. They agreed this about would 100 % settle the debt. They took my payment then several months later placed the derogatory information on my credit and added approximately {$1000.00} in fees.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I inititated a balance transfer from my XXXX XXXX to my Citi Bank card using their mobile app. The app instructed me to add the account details by snapping a picture of the card, which I did. I was then given a confirmation that the upload was successful to the account ending in the correct last four digits of my XXXX XXXX, so I thought everything was fine. When I checked the status of it a few days later, I noticed that it was marked pending to be paid to XXXX XXXXXXXX, so I opened a chat with Citi Bank, explained the situation and was told it would be fixed. The next day the transfer went through - to XXXX XXXX. I am being told by Citi Bank that there is nothing they can do to fix it - essentially adding an additional XXXX to my debt. They advised me to call XXXX XXXX, which I did, but they would not help as the account the transfer went to is not mine. It turns out the image taken read the beginning card number as a XXXX when it is in fact a XXXX. This was an error on their behalf, not mine.
Complaint sub-issue: Received bad information about your loan

I have been employed in XXXX  XXXX since XX/XX/XXXX( FEMA  ) and have been paying my qualifying student loan every month using Income Contingent Repayment or Income Based Repayment plans since XX/XX/XXXX. I have paid every month and my loan is in good standing. I meet the two qualifications for the Public Service Loan Forgiveness ( PSLF ) Program ( 120 monthly payments and working for qualified employer ), yet I was denied. My employer was determined to be qualified. XXXX is not counting my long history of on time loan payments with my previous two servicers. I have attached a data pull from NSLDS on my loan showing this and I have attached XXXX 's loan payment data. 

DESCRIPTION OF QUALIFICATIONS - PAYMENT HISTORY AND ELIGIBLE EMPLOYER 1 - I have made 120+ qualifying payments >Between XX/XX/XXXX and XX/XX/XXXX. Consolidated loans in XX/XX/XXXX with XXXX XXXX XXXX , XXXX XXXX XXXX. Began payment as ICR, then switched to IBR. Maintained loan in good standing by paying every month, made 53 payments after XX/XX/XXXX. 
>Between XX/XX/XXXX through XX/XX/XXXX. Loan held by XXXX, a XXXX XXXX XXXX   Servicer. I paid every month, note several short ( <30 day ) deferments while XXXX worked out the yearly amount for IBR payments. Record of 65 payments made to XXXX attached. 
> From XX/XX/XXXX through present. Loan switched to XXXX after requesting PSLF. To date, made 8 payments. 

2 - I am a full-time employee at a XXXX XXXX ( XXXX ) from XX/XX/XXXX through present, when I made each of the qualifying payments CORRESPONDENCE DATES : >Submitted Employment Certification Form to XXXX in XX/XX/XXXX. 
>XXXX received my Application for PSLF XX/XX/XXXX >XXXX denied my Application for PSLF on XX/XX/XXXX. Denial based on not eligible yet because I have not yet made the required 120 qualifying payments XXXX acknowledged 8 qualifying payments, only the payments made to XXXX. 

Qualifying Payments = payments made during periods of qualifying employment that your employer has certified via an Employment Certification Form.
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 .This 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Overcharged for something you did purchase with the card

When I received my XX/XX/2018 statement, I noticed a charge from XXXX XXXX XXXX XXXX had been posted to my account on XX/XX/XXXX. I did travel on XXXX XXXX in XX/XX/XXXX, but not in XX/XX/XXXX, and I definitely did not authorize any charges for {$1400.00}. I reported this to Citibank, and that account number was closed.

As a result of my report, representatives from XXXX XXXX contacted me. They explained that this charge was for an online flight upgrade on my flight in XX/XX/XXXX. They explained that I had authorized an upgrade in the amount of XXXX XXXX Rupees. Unfortunately, this amount was not properly converted this to US dollars. Instead of XXXX Rupees, I was charged XXXX dollars. They were unable to explain why the charge was posted in XX/XX/XXXX, rather than XX/XX/XXXX. They said that I should check with Citibank.
Complaint sub-issue: Can't close your account

On XX/XX/2018 I submitted a request to close my account. Available balance in my account is XXXX. Everbank, which now XXXX has put a block on my account to prevent it from being closed. I've called customer service several times and got no actual reason as to why I cant close my account.
Complaint sub-issue: Attempted to collect wrong amount

I Sent them a validation of debt, letter of demand and notice of dispute they told me I owe a debt I sent them those letters and got no response.
Complaint sub-issue: Information is missing that should be on the report

Greetings. 

I sent a disputes letters to the credit bureaus sunch asXX/XX/XXXX, Equifaax and XX/XX/XXXX but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Complaint sub-issue: Didn't receive notice of right to dispute

In an attempt to refinance my home loan it was brought to my attention that I had a negative account on my XXXX credit score. I was not notified that this was still active on my account, as I have now found out that a new debt collection agency had purchased this debt. I was not notified by them via mail, and if they called I have not answered and spoken to anyone involving this. This debt is not valid, so I would have fought this debt, as I have in the past, which I am now doing since my discussion with my mortgage company brought this to my attention.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. I have paid all my payments on time. 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Attempted to collect wrong amount

Hello, I received a letter from Pro Collect Incorporated, with a settlement offer for 50 % of the original debt amount. I called because I wanted to pay the settlement amount of {$550.00}. The original balance is {$1100.00}. The settlement offer was good if received by XXXX When I called to make the payment, the representative indicated they would add an additional {$8.00} to the settlement balance. I indicated that this amount was not indicated on the settlement offer. ( If I had not called and just sent in a check for the amount {$550.00}, there would still be a balance on the account of {$8.00} ) I indicated to two representatives that the settlement letter only indicated {$550.00} due and that they would send a deletion to the Credit Bureaus, one of the representatives stated that I would have to send the letter to the XXXX to have the deletion completed. I indicated to the representatives that the letter is indicating verbiage differently. The supervisor said she wasn't going to argue with me and hung up the phone. I would like CFPB to look into this company for sending a settlement letter with one amount however trying to collect an additional amounts not indicated on the letter. Also, for including on the letter that they would delete the account from the XXXX, but when i called, I am being told it is my responsibility to do so. Thank you in advance.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I spoke to XXXX XXXX XXXX XXXX and they confirmed that they would be removing these incorrect late fees ( XX/XX/2017 - XX/XX/2017 ). They said for me to dispute the payments with the credit agencies and when the agencies contacted them, they would confirm they could be deleted. I have disputed with the late fees withe agencies, however the agencies reported them as valid. They are not completely investigating.
Complaint sub-issue: Fraudulent loan

In XXXX of 2018 a loan from DEPTEDNELNET was opened in my name. This loan was opened without my authorization. I have disputed this issue and I am still waiting for this to be resolved. This is now on all three of my bureaus and has greatly lowered my score.
Complaint sub-issue: Problem with the interest rate

DriveTime from XXXX, Florida ripped me off. My car is {$8000.00}. I literally bought this car 3 weeks ago. Why does my loan say I'll pay {$25000.00} at the end of my loan. My interest was 25 percent. Like they say, " Never let a crisis go to waste. '' I am on XXXX and they refuse to assist neither did the loan company XXXX wanted to assist or change the terms. They made is so that I could not trade in my car because I had alot of negative equity. If I wanted to trade in my car at another dealership, I had to put {$10000.00} dollars down. My car was only worth {$3000.00} as a trade in. Don't go here. Drive Time XXXX used this crisis to prey on people like me. Beware.
Complaint sub-issue: Other problem

I have a credit balance on my rewards card. I called to have it transferred to my Citi savings account. Instead Im told I must mail in a request for my own money to be put in my account. Citi needs to do this over the phone or at least give me an email address to get this deposited into my savings.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX - XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX  XXXX - {$2700.00} XXXX XXXX XXXX XXXX  # XXXX - {$5400.00}