Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi -Sears XXXX , will not issue my refund to my credit card. The item was returned to Sender-Merchant on XX/XX/2022 who is XXXX. XXXX issued the refund which is confirmed by their " Email Confirmation '' but Citi Bank is keeping my refund which is illegal and will not give the credit back to me. I provided the USPS Tracking Number to them which Citi Bank -Sears can see the XXXX item was returned back on XX/XX/2022. 

On XX/XX/2022 Statement attached, according to my Citi Sears Statement, this XXXX item is back on my statement twice as {$130.00} as recharge when the item had returned and refunded by the Merchant months ago. This is not right, plus I am double charged for a item I don't have and was refunded by the Merchant. 

Then on XX/XX/2022, Sears sent me a letter ( attached ) stating I have to unfairly pay for the XXXX Item that was returned to the Merchant UNOPENED since XX/XX/2022. 

This is not right and not justice. I feel like I am being SCAMMED by Citi Bank XXXX to keep my refund and to double charge me with interest for a item I properly returned months ago.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries being reported on my credit file that do not belong to me
Complaint sub-issue: Credit inquiries on your report that you don't recognize

called and sent letters to Equifax on numerous occasions to no avail they will not remove the fraudulent inquiries.
Complaint sub-issue: Personal information incorrect

All 3 Credit bureaus are reporting a wrong address on my credit report. I never lived at this address and this address is not a previous address : XXXX XXXX XXXX XXXX XXXX, Pa XXXX Please delete this address. 

Please add my address that I always lived at all my life at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Please open attachment for my ID, SS, bank statement
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX I paid rent to the leasing office of The XXXX apartment complex in XXXX, KY. The leasing agent lost the check. It was quite the ordeal. The office staff went back and forth with me for several days before admitting that they in fact lost my rent check and would make it right and would not charge me rent due to the mishap on their end. I left the apartment in XX/XX/XXXX. I turned in keys on XX/XX/XXXX. They apparently didnt update their records until months later because they served me an eviction notice and attempted to serve me forcible detainer for an apartment I didnt even live in or have possession of. I have continuously contacted the leasing office, the apartment communitys management company and the collection agency I now have an alleged debt with for over {$700.00}. The leasing office intentionally leaves me on hold for long periods of time. The management company based in XXXX, GA. gives me the run and around, and the collection agency continues to try to collect money from me that I simply do not owe. I cant get anyone to call me back or help me resolve this matter. It is damaging my credit and prohibiting me from obtaining housing. This is all started with one rouge leasing agent in the leasing office that will not take accountability for their mistakes and now Im suffering the repercussions of their blatant carelessness.
Complaint sub-issue: Information belongs to someone else

I only became aware of an identity theft issue on XX/XX/19, when my FICO score suddenly tanked to XXXX instead of XXXX. An account was opened with XXXX XXXX ( whom I'd never heard of until this issue came to my attention ) in my former married name ( that I have not used for over 20 years ) and with a XXXX address ( that I haven't lived at for over 10 years ). Credit reporting agencies deny any responsibility to disclose that the information sought is old data, to creditors. Shame on them ; the whole point in creditors inquiring with those services is to be able to determine if it is a legitimate individual or an identity theft ( which it was ). 
As you are the overseeing institution for the big three, isn't there some protocol that can be put into place that requires the reporting agencies to clarify that former names and addresses are no longer in use, so the creditors and debtor have half a chance at not getting swindled? 
On top of that, XXXX XXXX cleared it up within a week, reported it twice on XX/XX/19 and again on XX/XX/19 ( at XXXX ). All 3 agencies are still saying they've not been informed. Not true.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 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: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Complaint sub-issue: Attempted to collect wrong amount

I would like to file a complaint against XXXX and Enhanced Recovery Co. XXXX. 

We notified the cable and internet company XXXX that we would be moving from XXXX XXXX to XXXX XXXX XXXX in XX/XX/2017. They informed us that we had signed a 2 year contract for their services. We mentioned that we would happily either move our services to our new home in XX/XX/XXXX and or switch our account in XXXX to our new tenants renting on premise. 

XXXX informed us that they do not service our current address in XXXX XXXX and that we could not switch the account to our tenants. We argued that " if you can not provide us service at our new home, how could you not release us from our contract? '' We believe that these business tactics by XXXX and their collection agency Enhanced Recovery Company ( ERC ) are unfair, unethical, and irresponsible. We have had multiple conversations with both entities to inform them that this charge of {$800.00} is unwarranted and bogus. As longtime client of XXXX our account was otherwise always in perfect standing with timely payments ( automatically paid every single month during a 5 year period ). 

As a consumer, the charge is now impacting my credit score and I would like to rectify the situation. 

Thank you in advance.
Complaint sub-issue: Information belongs to someone else

While recently getting my credit report to quality to buy a house, I noticed that there was a derogatory item from XXXX XXXX ( XXXX XXXX XXXX ) indicating the account had gone to collection and {$1200.00} was due. When I disputed the information online on XX/XX/XXXX, Equifax said it began an investigation. Equifax responded onXX/XX/XXXX they the debt had been certified by the debt collector and my credit report will remain unchanged. I have never had an account with XXXX XXXX ( I have always had XXXX  ). When I called XXXX XXXX to look into the account they had an address for me on a street where I never lived. This is not my debt and it is extremely unfair that Equifax only did a cursory investigation before ruling against me.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 need to be deleted from erroneous reporting 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
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 need to be corrected from erroneous reporting 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
Complaint sub-issue: Trouble with how payments are being handled

I had to consolidate my student loans with Fedloan Servicing to participate in the Public Service Loan Forgiveness program.

My account shows that I consolidated with them on XX/XX/XXXX. Payment records on Fedloans website shows a payment history beginning on XX/XX/XXXX. In order to qualify for the loan forgiveness, I must make 120 payments. I have made 44. They are saying I have only made 27. According to Fedloan, this past year has not yet been calculated, however, for the past three years, I have been arguing with them over what they are considering qualifying payments.

Including the past year they claim they have not calculated yet, I have made 44 payments and they are saying Ive only made 39. They have said they have disqualified the uncounted payments for the following reasons : I made two payments too close together. Both were disqualified. This is false. I get emails saying when my payment is due. Then I go on to their website and make the payment. Ive never paid when the payment wasnt due. I would be unable to as the amount in the box would be XXXX. In order to rectify this, they asked I make a payment over the phone. I had already made my payment that month, but they asked that I make a second payment taking me out of the pay ahead status. This was done on XX/XX/XXXX. However, those two payments are still not showing as qualifying payments. ( That is two payments not counted. ) They then said one month I paid a few cents too much and another month I paid a few cents too little. This is impossible because I use their internet site and phone app to make my payments. The amount I owe is auto populated. I do not change the amount. I only click on the date and click on my bank account and then submit the payment. It makes no sense whatsoever to change the auto populated amount by pennies. ( That is an additional two payments not counted. ) Another month they claim I was on deferment, which is false. ( That is one payment not counted. ) That brings to total count to five payments they claim are not qualifying payments.

I have disputed this with them on multiple occasions over the years. I have spoken to supervisors as well as other agents. The supervisors have been rude with one telling me that there was nothing they would do for me and to call the media and my local government representative. She went on to say that I wasnt going to win in a fight against them, laughed and then hung up on me. I have researched their practices and have sadly discovered that I am one of thousands of people they are scamming with the Public Service Loan Forgiveness Program.
Complaint sub-issue: Their investigation did not fix an error on your report

I BOUGHT A CAR FROM XXXX XXXX XXXX IN XXXX WV. THE DATE THAT THE CAR WAS PURCHASED WAS XXXX XXXX 2019.THIS WAS A USED CAR AND AFTER 2 WEEK I STARTED HAVING PROBLEMS WITH THE CAR. 

THE COMPANY TRIED TO FIX THE CAR BUT THE PROBLEM WAS STILL THERE. AN OFFER FOR ANOTHER CAR WAS OFFERED IN XXXX OF 2019. 

PLEASE NOTE THAT WITHOUT MY PERMISSION MY CREDIT WAS PULLED WITH SIX DIFFERENT COMPANIES. THE COMPANIES WERE XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. THEY WERE ALL INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES WERE ALL ON EQUIFAX. 

I HAVE NOTIFIED EQUIFAX THAT I DID NOT AUTHORIZE THESE INQUIRIES. EQUIFAX RESPONDED IN 2 DAYS THAT THIS WAS FACTUAL REPORTING.
Complaint sub-issue: Was not notified of investigation status or results

hi I'm just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over XXXX months, I thought I would get a response from your company after XXXX to XXXX days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.
Complaint sub-issue: Account status incorrect

On my Equifax credit report it is showing two collection accounts. I have made them aware on two different occasions that the contract was cancelled for these two collection accounts. They state that the accounts belong to me, but when asked they were not able to produce a contract that shows I 'm responsible for those payments.
Complaint sub-issue: Reinserted previously deleted info

This item has been on there over 15yrs. The company went out of business yet I faxed over canceled check to collection agency years ago showing I paid the balance off. They continue to report
Complaint sub-issue: Their investigation did not fix an error on your report

My lender XXXX XXXX XXXX, reports to all three bureaus at the same time every month. The information they report is a snapshot of the last statement bill. The information for the month of XX/XX/2021 and XX/XX/2021 was and is being reported incorrectly by only one Credit bureau which is Equifax. I have disputed the inaccuracy three times, the last dispute still in process. 
Both previous dispute resolutions are stating that XXXX is reporting a {$3000.00} balance on my {$3000.00} Line of Revolving Credit ... this is inaccurate. My statement balance ( which I forwarded to them and XXXX XXXX department confirmed to me ... is showing {$1.00}. I've also talked to a representative from eOscar which is the company ( data transmission ) that is used to report from the lender side and investigate disputes from the bureau side, there is nothing they can do apparently. 
Equifax has also had to remove and report several collections and other debt, all of which they have not increased my score at all. 

This is beyond problematic. We are entrusting our lives to faulty companies with little to no consumer empathy as to how they are affecting our lives. This is not fair and has caused more XXXX XXXX and it's not necessary.
Complaint sub-issue: Account information incorrect

I have already filed a complaint with the CFPB which nothing was done and my rights have been violated in accordance to 15 USC 1681. This company has and still is reporting INACCURATE/INFORMATION! They are reporting a charged off account for a phone as a vehicle lease WHICH IT WAS NOT. They have violated TILA as well I was not disclosed the actual and correct price for the property. I have attached evidence in my last dispute. I have been denied a apartment for me and my kids to live and this has caused stress and anxiety trouble at home. The Fair Credit Reporting Act as put in place to protect consumer from instances like this one! They are now reporting XXXX on my credit report which is false and has caused STRESS!! This is not ACCEPTABLE for this company Acima to do what they want with disregard for the LAWS, RIGHTS of a litigious consumer. I will be exploring my options with an attorney as well. I hope the CFPB enforce the LAW this company has violated me to the upmost. I have attached copies. They have not responded to my affidavit which was notarized. The tracking # for the USPS is XXXX which you received XXXX XXXX @ XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Complaint sub-issue: Investigation took more than 30 days

XXXX  continue to place a deficient on tradeline. Requested company to verified debt. Company failed to comply to FCRA Guidelines. Requesting removal off Credit file.
Complaint sub-issue: Old information reappears or never goes away

Equifax Credit Bureau consistently reports the collection as an OPEN ACCOUNT, which is not compliant with the Fair Credit Reporting Act ( FCRA ). It is deemed as inaccurate reporting and needs to be removed from my credit report immediately. The collection has appeared as an OPEN ACCOUNT since XX/XX/XXXX. The last reporting activity on the account is XX/XX/XXXX ; however, Equifax keeps re-aging the credit history when disputed. Re-aging is a severe violation of the FCRA. It makes the account in question look more recent and causes severe damage to my credit score. 

Equifax is reporting the account as an active retail account. Please see attached documents.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Was not notified of investigation status or results

Good Morning XXXX XXXX XXXX  Credit Card ... ... how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Contacted me after I asked not to

The person who identifies herself as XXXX calls every day and tells my boss that I " do n't pay my bills and that I am paying 390 % interest ''. I got on the phone and said I have asked over and over not to be called at my employer b/c its not allowed and she said " then pay your bills. Until then I will call you every day. ''
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from XXXX?
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX XXXX XXXX sent my pay off in late 35 days to XXXX XXXX XXXX