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

On XX/XX/XXXX I filed a dispute with Equifax, XXXX and XXXX for XXXX XXXX XXXX and asked for a debt validation letter and was told that it would take 30 to 69 days to provide a letter. I asked for the Collection to be removed form my report during the investigation and was told tha5 it can't be removed. I received a notification stating that the collection investigation was completed and that the information was verified. I asked XXXX and Equifax to provide in writing the information used to verify the accuracy of the debt and was told that they don't have to provide that information to me that I needed to contact the collections agency. The Collection agency stated that they would send the information but ut takes up to 69 days to receive the information. XXXX deleted the Collection after stating that the collections could not be validated and that they had no proof provided from XXXX. In the midst of the collections being removed from XXXX XXXX XXXX who is believed to be a sister company of Resurgent added a collection for XXXX dollars, because they stated that my insurance didn't pay the entire bill and that I owed XXXX XXXX because of that. I never received a letter from XXXX or XXXX XXXX. XXXX finance stated that they emailed me to notify me of the bill but that they can see that there has been no activity on my email address inbox. XXXX also stated that the statue of limitations will be up in XX/XX/XXXX. A XXXX supervisor stated that they do not adhere to the Fair Crefit Reporting Act when I asked about the items being removed until the investigations are complete. Equifax and XXXX also allowed XXXX XXXX to continuously update my report monthly until I disputed the collections and proved that I didn't owe a bill due to incorrect insurance filing on the original debtors part. I was also told that even if I submit the request for debt validation in writing that it would nit make a difference because XXXX and Equifax does not provide validation of debts.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Complaint sub-issue: Unexpected increase in interest rate

I applied for a interest free 24 month credit card with Best Buy and after the 24 months they are charging me back interest from the date 24 months ago, I was told the credit card was interest free for 24 months and now Citibank Best Buy is trying to charge me {$3700.00} in back interest.
Complaint sub-issue: Information belongs to someone else

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has listed an inaccurate item on my credit file and I have requested on numerous occasions to have the item removed as soon as possible, yet it is still being reported inaccurately. Equifax sends a response stating that they have verified the account belongs to me and continues to report the inaccurate item. This inaccurate item ( listed below ) is affecting my credit score and livelihood. Both XXXX  and XXXX have deleted the same erroneous account from my credit file. 

Here is the erroneous account Equifax has listed. Please delete this immediately. 

1. XXXX XXXXXXXX XXXX, XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down. They are taking advantage of XXXX XXXX like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to few a home but XXXX XXXX XXXX is making impossible by reporting misleading and inaccurate information or my credit report.
Complaint sub-issue: Debt is not yours

I have written to ERC several times asking for validation of the debt. They have yet to furnish an agreement between myself and ERC explaining that I owe ERC any money.
Complaint sub-issue: Their investigation did not fix an error on your report

I have multiple accounts, names, addresses, socials, and phone numbers on my credit report that do not belong to me. I did lose my wallet with all my personal info around 9-10 years ago but did not know it was being used until recently. I have filed a police report and disputed it with the bureaus and they said it was proven to be valid which can't be true and have shown me nothing to prove it to be true.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit File XX/XX/2021, Confirmation # XXXX, Credit File XX/XX/2021, Confirmation # XXXX, Credit File XX/XX/2021, Confirmation XXXX. 

Equifax is reporting the XXXX XXXX account which is identified as an installment loan which is factually incorrect. The true account type is a credit sale agreement. I have a right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file. 

XXXX XXXX is required to report accurate information. The continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Complaint sub-issue: Public record

I have attempted numerous times to give Equifax the opportunity to delete these XXXX accounts that has not been verified nor did they respond to my request for method of verification per FCRA Section 611 ( a ) ( 7 ). The accounts in question are : XXXX, XXXX, and a public record XXXX. These accounts are NOT MINE and they have not been verified. I will also be sending this same complaint certified mail for the last time. If no resolution I will be sending a letter of intent to sue.
Complaint sub-issue: Investigation took more than 30 days

I originally sent XXXX a complaint about unverified items in my credit report, and they failed to respond within 30 days on 2 separate occasions. Please see the attached letters for details. I have sent the company 3 separate letters and I am under the impression that as of the date of the last letter that I sent out, The 3rd letter was sent on XX/XX/XXXX. 

Before that date, the other 2 letters were sent on XX/XX/XXXX and XX/XX/XXXX. XXXX did send a card back saying that they received my complaint on XX/XX/XXXX, but they provided zero communication that an investigation was taking place regarding these inaccurate, unverified negative remarks in my credit report. 

I had similar issues with Equifax and XXXX as well, which I will share in attached files. For instance, Equifax originally removed an item that I disputed, and then they re added it ( See Figure XXXX in XXXX ). in a window of time greater than 5 days in violation of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii )
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Not sure who's they are. Please remove them.
Complaint sub-issue: Trouble using the card to pay a bill

On XX/XX/2018, a call was placed to XXXX XXXX XXXX XXXX at ph # XXXX at XXXXXXXX XXXX central standard time. The bank agent told me electronic checks ( ending account # XXXX ) and credit card ( XXXX ) come be done by phone and she gave routing and account number for transaction. Yesterday, I received a call from ( XXXX XXXX XXXX which manages -XXXX  XXXX XXXX ) that the check was insufficient and ask if I could do a credit card payment. XXXXXXXX XXXX  continued to do the transaction by visa 123 credit card own by XXXXXXXX XXXX  XXXX only be declined. XXXX XXXX called me once again and told me about the declined transaction and advised me to proceed to XXXX using their account number ( ending in XXXX ) and Id ( XXXX ). While XXXX XXXX Rep was ( XXXX called from XXXX at XXXX, I was able to view their app on line ( XXXX-power by XXXX ) per the app showed XXXX charged me an INSUFFICANT of {$50.00}. I told XXXX, insufficient is no money in the account that is false and misleading information and therefore, per the bank the pay address was incorrect when XXXX XXXX XXXX the payment and credit card transaction. XXXX advised me that It would be corrected for the NSF charge tomorrow but, she could not do it today because she had to leave the office immediately but, to get to XXXX to avoid the late payment charge on the tomorrow. I proceed to go to XXXX location on XXXX XXXX XXXX XXXX, Texas ph # XXXX the XXXX agent tried three times to process the account number given by XXXX XXXX ( XXXX XXXX XXXX ) Per XXXX I am not listed as a resident in their system and payment could not be processed. I proceed to get a money order for ( XXXX XXXX XXXX which state they don't take money order anymore as of four months ago and payments can only be made through their ( ENTRA XXXX   app or XXXX ) neither worked I sent an email and left a message about the related issues to XXXX XXXX XXXX ( XXXX XXXX XXXX ). I then called US Bank to find the reason behind the errors spoke with supervisor XXXX and he advised that his agent made a mistake because they don't do electronic checks only deposits. I told XXXX they owe me for the {$50.00} insufficient fee and he stated, " Sorry -the bank is not set up to pay for errors on our part! He stated, You address was incorrect that is why your credit card payment didn't go through. I told XXXX ( agent # XXXX ) my account had my new address on file what is going on. He stated, I can get that address update! This is FRAUD! So, both XXXX and US Bank proceed to defraud customers
Complaint sub-issue: Account information incorrect

I recently reviewed my credit profile and noticed inaccuracies and/or incomple

te information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, I
NCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : Accounts- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

Pnc bank is blaming me for an ach deposit being recalled after 3 months. The have locked my account and told me there is nothing more they can do till the investigation is over. Meantime direct deposits continue into the account. And my bills dont get psid and i cant get to work due to no fuel in my car. Totally unfair that PNC makes consumers feel like the criminal instead of going after the criminal. And as of today no offer to fix the prblem.has been offered.
Complaint sub-issue: Didn't receive notice of right to dispute

Jefferson Capital Systems has violated my federally protected rights under the FDCPA. I never received dispute notice. Jefferson Capital is using my consumer report with extortionate means to coerce and swindle me into an payment which is an violation of 18 U.S.C. 892. You are also collecting on an time barred debt. I am not paying the alleged debt and I am putting you on notice to Cease all communications from me from all mediums including my consumer report within 15 days or I will proceed with legal matters or all violations and damages this injury caused.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : 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: Their investigation did not fix an error on your report

U.S. DEPARTMENT OF EDUCATION ( XXXX ) U.S. DEPARTMENT OF EDUCATION ( XXXX ) Hello, I have two federal students with Great Lakes. The account numbers are listed above. I had submitted a 6-month deferment request for XXXX XXXX- XX/XX/XXXX to temporarily postpone payments due to financial difficulties. For some reason, during this time, my credit reports reflect late payments instead of the deferment status. I have tried to correct this via credit bureau dispute process but have been unsuccessful and need your help. I work hard and have even made payments during the pandemic while payments were on hold to help pay down balance. The credit bureaus have not been helpful. Great Lakes has not updated my account and I need further guidance as this is becoming a hinderance for me. 

Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy. 15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX i turned in XXXX orders to the housing department at XXXX XXXX. I moved out XX/XX/XXXX. I am now being charged XXXX $ for rent and XXXX $ in cleaning fees. I told them to keep my deposit for cleaning fees. I called and spoke with IQ data international and they said i owe rent for XXXX because its 30 days from next rent day which is XX/XX/XXXX. Rent is due XX/XX/XXXX. That is 31 days. That was incorrect. I should have not been charged for XXXX and my deposit should have covered all cleaning fees. I was then told my deposit was given as a gift to the apartment company and it does not cover cleaning charges. The apartments only accepted money orders which i have proof taking it out XX/XX/XXXX. Please help me to take care of this for my credit. I feel like i have been wronged. I asked for proof from the apartments that i paid and they told me there under new management and have no proof of my orders and what i paid.
Complaint sub-issue: Account status incorrect

COVID19 CARES ACT PAUSED STUDENT LOAN PAYMENTS XX/XX/2020 TO XX/XX/2020. I PLAN REHAB AFTER UNSUCCESSFULLY DISPUTING WHAT IS OWED. ONCE I BEGAN TO PAY, THEY BEGAN TO RUID MY CREDIT SCORE FROM DECREASED BY 107 POINTS FROM NEGATIVELY RUINING MY CREIDT. CARES ACT WOULD ALLOW ME NOT TO PAY UNTIL ORIGINALLY XX/XX/2020 TO XX/XX/2020. IT HAS NOW BEEN EXTENDED UNTIL XXXX 2020. I NEED MY CREDIT SCORE REPAIRED TO THE GOOD STANDING THAT IT WAS IN PRIOR TO REHAB PLAN. THIS IS DECEPTIVE AND FRAUD.
Complaint sub-issue: Old information reappears or never goes away

The information on my credit file states that the account was closed at the consumer 's request which is inaccurate. It also states that a settlement was accepted and the account was charged off. These are XXXX different things. This account keeps reporting to my credit file from XX/XX/18. This information is all incorrect and needs to be removed from my file.
Complaint sub-issue: Billing problem

SST Systems phone XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX Amounts {$9300.00} added to account for forced insurance without contact or knowledge they said they had the wrong address but there records were correct. 
they were sent the insurance and failed to credit the account when asking for payoff they added it to the account and i was never aware of it except for going back and asking for a statement which they have failed to produce. 
they illegally back dated insurance policy and wont produce the policy. 

total scam they add money to the payoff and nobody knows when you ask for a payoff it is all included and never disclosed.
Complaint sub-issue: Was not notified of investigation status or results

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus continue to report inaccurate items after there investigation. Im attaching my dispute letters with all of the information.
Complaint sub-issue: Debt is not mine

This was opened by XXXX on XX/XX/2016 but I did have this service for over 2 years and when the account was closed I had no pending payments.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed this inquiry XXXX XXXX XXXX and never was removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX on XXXX violated my rights to privacy. 15 U.S.C 1681 section 602A states I have a right to privacy.

In accordance with the fair credit reporting act convergent account, XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states have a right to privacy.

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX violated my rights to privacy 15 U.S.C.1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604A SECTION2 ALSO STATES IF ANY CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX CARD-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Complaint sub-issue: Information belongs to someone else

Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX, GA XXXX I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis inquires regarding all personal information. 

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.
Complaint sub-issue: Public record information inaccurate

As shown in the attachment, I had two XXXX I was XXXX of way back in XXXX. I have waited 7 years for the grace period in Texas which blocks agencies from reporting any XXXX   more than 7 years old. I finally got a job I enjoy last year in XXXX and only because they were not able to see my XXXX, so I am not sure why Checkr went out of their way to report the records. I feel I am being treated unfairly and with great prejudice. Please reach out and try to have this corrected for me. Thank you.