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

I filed XXXX  XXXX Bankruptcy on XX/XX/2022. XXXX XXXX was notified on XX/XX/2022, see attached document. Equifax was notified of my Bankruptcy filing by my dispute on XX/XX/2022, see attached document. Equifax failed to update both of my XXXX XXXX accounts to the accurate balance of {$0.00}, XXXX  XXXX date of XXXX, no latest prior to filing chapter, no past due, no 22 times of 90 days late and further failed to report the accurate history of the account. The account number itself is inaccurate as this was not my XXXX XXXX credit card account number. This is a FCRA violation as well as a violation of the automatic stay provided by Bankruptcy. On XX/XX/2022 Equifax sent me a letter that my dispute was processed and the information of charged off Credit card account, balance of {$13000.00}, with 1- 30 day late, 1-60 day late and 22- 90 days late was accurate ( this is NOT ACCURATE ). This is FCRA VIOLATION as Equifax had a copy of my bankruptcy petition which included both XXXX XXXX accounts, the credit card account and the personal loan account. Equifax failed to conduct a reasonable investigation of my dispute! Equifax has continued to report inaccurate information for both of my XXXX XXXX accounts since XX/XX/2022 all the way up to and including today XX/XX/2022. Since Equifax failed to conduct a reasonable investigation and has continued to report inaccurate information since XX/XX/2022, the XXXX XXXX credit card account should be deleted from my Equifax credit file or at the least, Equifax must report accurate information in my credit file.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hi, I have had the exact same credit score with Equifax for over 2 years, which is extremely abnormal considering my contined score improvement with the other bureaus. I've looked at my report and I don't see anything out of the ordinary, all great reporting from creditors. I called Equifax and they will not help me or tell me how my score could be the exact same number for years. The guy I spoke to today, XX/XX/2021, said he can only see what I see when I pull a report. I repeated multiple times that the trouble is not with the report but something to do with my account because it's not updating. He continued to refuse to help. I can not dispute credit items because there is nothing to dispute. This is keeping mid range score ( from the three bureaus ) down and affecting my ability to refi for a better rate. 

I have gotten new cards over the past couple of years and they use them and pay them off regularly so I know my score should be going up. 

I hope you can help.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an Bankruptcy on my Credit File with XXXX, and the ending results they admit to violating the Fair Credit Reporting Act. The information they received was incorrect and also obtained illegally from a third party.
Complaint sub-issue: Need information about my balance/terms

AES is incorrectly reporting XXXX student loan accounts as derogatory to XXXX and XXXX ( Claim Submitted with Government in XXXX XXXX for all XXXX ). I have attached credit reports from XXXX XXXX, XXXX and XXXX XXXX, XXXX. On XXXX XXXX, the XXXX accounts were included in Chapter XXXX Bankruptcy from XXXX XXXX. This reporting was correct, but I disputed it because the the reporting was scheduled to continue past XXXX XXXX, which was incorrect. On XXXX XXXX, the accounts were updated to read Claim Filed in Government in XXXX XXXX. This is grossly incorrect reporting.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act this creditor has violated my right under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit on a credit account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Debt was paid

The debt collection company is reporting negatively to the XXXX credit bureaus regarding a debt that was settled with the original creditor. I have submitted enclosed copies of proof of payment and sent both by fax and mail that the debt was no longer collectible and requested the account be removed from all XXXX credit bureaus.
Complaint sub-issue: Problem with fees charged

LGM financial had previously charged my account without authorization on XX/XX/XXXX. The loan payment is late, however, they are contacting my references for payment. The payment has been mailed in. Both myself and my references are being harassed by this company. The lack of respect this company has is out of control. They are intrusive and completely disrespectful.
Complaint sub-issue: Other problem getting your report or credit score

Ive been waiting for my report to update since XXXX. I keep getting an error message everytime i try to access my report. They also direct everyone to input the last 6 digits of our socials on a phony site. I found out on the XX/XX/XXXX that my info was breached. I have yet been able to speak to any one due  to the busy phonelines. I submitted a dispute with them and can not view the results online. They finished my dispute within days of recieving my letter which im sure ill be filing another complaint about that because the info i was requesting needed more than 5 days to collect.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX of 2016, I have a derogatory mark from XXXX XXXX for {$250.00}. I told them I was going to cancel my service and they said it was fine. After I ended my service, they kept charging me for even more months after I have cancelled my service with them. 

I contacted them and they said the only thing I could do is just pay it off. I do not want to pay for months I didn't use their service for.
Complaint sub-issue: Their investigation did not fix an error on your report

I have made numerous formal complaint through the consumer Financial Protection Bureau and via mail to report inaccurate and incomplete information reported by XXXX and XXXX accounts listed on my credit report. According to FCRA 611 ( A ) ( 1 ) ( a ) I am entitled to a re-investigation. I have provide documents given to me by both credit furnishers through a federal agency which shows the authenicity of the information. I request that these two files be deleted immediately as in the past they have your agency have reported them verified and accurate when clearly they are not Also your agency  has failed to state that XXXX purchased this account from XXXX as previous account
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions
Complaint sub-issue: Information belongs to someone else

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report0000 included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I was not late on these accounts and Nelnet, XXXX, XXXX, and XXXX  has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX I have attached the certified letter that was sent to all the parties mentioned.
Complaint sub-issue: Reporting company used your report improperly

Online XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Bank Account XXXX n accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Was not notified of investigation status or results

Greetings ; I sent 5 rounds of letters to the credit bureaus such as Equifax, XXXX  and XXXX  but they dont ' investigate about my problem beacuse I have not recieve any letters of them.
Complaint sub-issue: Didn't receive notice of right to dispute

Hello, I have an account on my credit from a company called XXXX XXXX XXXX XXXX. I sent them a dispute because I had never heard from them, nor had I ever heard from the original creditor about the alleged said debt. According to them they are collecting on behalf of XXXX XXXX?? 

There is currently and has never been an account on my credit from XXXX XXXX. I have never even heard of them before. However, I received an alert about my credit that XXXX XXXX XXXX XXXX placed account number XXXX on my credit in this regard. 

I immediately, contacted them by way of a certified letter which they received. They have failed to respond to me, it's has been over 45 days. The account remains on my credit and they changed the status to report as closed. The account doesn't not belong to me and it need to be removed.
Complaint sub-issue: Public record information inaccurate

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Chapter XXXX Bankruptcy XXXX
Complaint sub-issue: Reporting company used your report improperly

Account name : XXXX XXXX XXXX Has violated my rights. 
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: Information belongs to someone else

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. I DID NOT CONSENT TO AUTHORIZED NOR BENEFIT FROM ANY FOLLOWING. THIS FTC REPORT WAS NOT DONE WITH AN ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A XXXX XXXX XXXX THE PENALTY OF PEJURY.
Complaint sub-issue: Debt is not yours

CFPB + True Accord, On a recent review of emails, I received an email from True Accord saying I owe a debt. I am requesting validation of this debt. 

Attached to this email are : - copy of drivers license - this serves as ID as well as address - written complaint I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the CFPB as well as mail at the address I have provided herein. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Attorney Generals Office.
Complaint sub-issue: Debt was paid

I requesting validation of debt and never received an response. I do not owe a balance on this account.
Complaint sub-issue: Was not notified of investigation status or results

In reviewing my report from Equifax, I found unauthorized inquiries. I do not have any accounts with them under collection nor for review. I have made numerous attempts to resolve this matter via Equifax automated service, however, I had no success by phone. The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a copy of my credit report that does not reflect any accounts with these companies.
Complaint sub-issue: Debt is not mine

I WENT TO MACYS TO BUY SOMETHING, AND I WAS APPROACHED BY A SALES ASSOCIATE. SHE TOLD ME THAT SHE HAS A MACYS STAR PASS FOR 20 % OFF MY PURCHASE AND THAT I NEED TO GIVE HER MY NAME AND SOCIAL. I EXPLAINED TO HER THAT I AM NOT INTERESTED IN A MACYS CREDIT CARD, SHE SAID THAT IT IS NOT FOR A CREDIT CARD. THE SALES ASSOCIATE GAVE ME A MACYS STAR PASS AND I BOUGHT BABY CLOTHES AND A QUILT. A MONTH LATER I GOT A BILL OF A CREDIT CARD FROM MACYS. I HAVE NEVER RECEIVED A MACYS CREDIT CARD AND I WHAT I BOUGHT THAT DAY I PAYED IN CASH AND I USED MY MACYS STAR PASS. NOW MACYS IS SENDING ME BILL RECEIPT STATING THAT I OWE THEM. I WENT TO MACYS TO SPEAK PERSONALLY WITH THE SALES ASSOCIATE WHICH I WAS TREATED VERY BADLY AND I AM STILL DEALING WITH AND STILL BEING BILLED.
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report and I seen some un authorized Inquiry on my profile. They Include Discover, XXXX, XXXX XXXX, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

There are inaccurate items reporting on my credit report, most of which are negativley impacting. I contacted these companies over 60 days ago and havent gotten a response nor have i gotten a solution for my issues. I attached the letters for confirmation
Complaint sub-issue: Can't use card to make purchases

My account was locked because of  XXXX  purchases -  XXXX  for {$100.00} and  XXXX  for {$30.00}. I noticed my account was locked when I could n't log into my account. Then, it turned into a   XXXX   XXXX   XXXX   show becasue I was n't calling from my home phone. After  1 h our, I closed my account - they immediately locked me out of my data. I asked to receive my data and they said they can mail or fax it. This seem to be willfully uncoopertive to someone who 5 years of about a  XXXX  rolling balance.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX / CBNA, 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 open end consumer credit plan as late for any purpose.
Complaint sub-issue: Account information incorrect

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. 

XXXX XXXX XXXX  with account number XXXX has violated my rights : 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. 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 1681 section 602 A. States I have the right to privacy. Also you will see that there inaccurate payments listed on the XXXXXXXX XXXX  XXXX  account. On my equifax credit report for the year of 2020 it shows XXXX as current, XXXX as not current, and XXXX as not current. But on my other reports it shows the exact opposite. On my XXXX credit report it shows XXXX of 2020 as current, XXXX as XXXX, XXXX as current and XXXX as current. These are just a few that you'll see. Also for the year 2020 it shows XXXX as late on my XXXX report but on Equifax it shows current.
Complaint sub-issue: Account opened as a result of fraud

Discover bank cashed a check fraudulently through mobile deposit. Because of this I have not been paid for the month of XXXX.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXXXXX-Balance {$0.00} XXXX XXXX-Balance {$0.00}
Complaint sub-issue: Personal information incorrect

Equifax continues to report an erroneous address on my credit file. The address was removed and ADDED again as of XX/XX/2021. The address listed ends in XXXX XXXX XXXX I have never lived at this address! I have never been associated with this address! I have clearly mentioned in EVERY dispute I have sent this company that I only have ONE address and that this erroneous address DOES NOT belong to me.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX is reporting false information on my credit report for debt I do not owe. XXXX XXXX XXXX is reporting on behalf of Spotloan. I received a loan forgiveness and cash settlement from Spotloan due to class action lawsuit that was approved and finalized by a judge in XX/XX/XXXX. I received my cash settlement from Spotloan in XX/XX/XXXX. Spotloan was sued because they processed loans that were made at annual interest rates greater than what was approved by state law and the company did not have a license to lend in the state when one was required. As part of the class action lawsuit that was approved by the courts, Spotloan is to remove all negative information from my credit report and reflect the loan paid in full as I have received a cash settlement and therefore could not possibly owe the same amount this company is reporting. I have trie in good faith to reach out to this company and the number listed on my credit report is disconnected. I have sent proof of paperwork from judge showing details from class action lawsuit and credit bureau continues to report information accurate when they are not taking the time to investigate my claims. My intention is to file a claim every month until this is removed from my credit report as I will never pay something I do now owe. I have proof of court documents showing I was included in class action lawsuit along with copy of cash settlement payment received from Spotloan. Why does XXXX XXXX XXXX continue to report negative and inaccurate information? This is sp frustrating to the average consumer who has to continue to fight to remove incorrect information off of their credit report, however I will do so until this information is removed. It is expected to remove from credit report until XX/XX/XXXX, however I will continue to submit my claim until it is finally removed as this debt does not belong to me.