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

Equifax is still reporting this collections accounts XXXX XXXX XXXX as verified and accurate. How can that be? This collections account shows an PAST DUE balance of {$830.00} and an OPEN status.This is illegal and in violation of several 15 U.S.C. laws.This is my 3rd attempt disputing this account with Equifax, this collection 's account CLEARLY is in violation of my rights as a Consumer and MUST be deleted from my credit report ASAP. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1681a 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) 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 ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Account status incorrect

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This account is showing late payments when clearly the status of this account is PAID. This damaging item is causing my credit scores to drop. Please investigate this matter. Otherwise, kindly fix this issue. Stated below is the erroneous account that is still reporting on my Credit Report : XXXX XXXX XXXX  XXXX Balance : {$200000.00}
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XXXX XX/XX/2019 I purchased two tickets from XXXX  against {$200.00} offered on the statemen on credit card # XXXX. Also, purchased the insurance coverage from XXXX XXXX in the amount of {$100.00}. XXXX They debited all the charges from my previous credit card # XXXX When I received the statement of the new cc applied XXXX from XXXX no credit of {$200.00} was applied. Enclosed the similar promotion was offered. I Contacted them, spoke to several employees, in some cases they hanged my call and have no intention to resolve my problem. Finally, one employee told me to dispute the {$200.00} later they sent me the denial letter by mail of the {$200.00}. At the same time, I placed a claim for the lost of my old gold weeding rings in the amount {$850.00} at the XXXX airport. 
After more than 3 months, XXXX is telling me still in process the claim. I provided all the pertaining documents, 8 pages and still waiting from XXXX.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap 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

There are several inaccurate items reporting on my credit report : I was never late on the following accounts : XXXX XXXX XXXX  - Open date XX/XX/XXXX XXXX XXXX XXXX - Open date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX The following account is not mine : XXXX - Reporting XX/XX/XXXX Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX  XXXX ( Equifax ) Unauthorized Inquiries : XXXX ( 2 TIMES ) EQUIFAX MTG ( 4 TIMES ) XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XXXX I went to the bank to apply for a loan to expand my business and I was made aware that I had accounts that were not in good conditions for any lending loans. I look at my credit reports every other day and I knew that could not be true on any new or late payments on any accounts I have on my credit report. I do not have any beneficial interest in these accounts nor did I sign my signature for them, Please remove them immediately from my credit files ''.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account name : XXXX XXXX XXXX XXXX number : XXXX Account name : XXXX XXXXXXXX Account number XXXX XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681 section 602a states I have a right to privacy. 

15 U.S. Code 1681 section 604A section 2 It also states that a consumer reporting agency can not furnish any account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Section states know, consumer reporting agency may make any consumer report containing any of the following items of information, other than records, convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 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: Report improperly shared by CRC

I purchased a vehicle on XXXX XXXX, 2015 from a local dealership. During the purchase, I authorized the dealership to access my credit report to determine finance options I would be eligible for. The contract was finalized on XXXX XXXX, 2015 and I left with my new car. When I checked my credit reports some months later, there were duplicate hard inquiries on my credit reports for a number of the auto loan companies on both XXXX/XXXX/2015 and XXXX/XXXX/2015. I initiated a dispute with each credit bureau and sent a letter asking that the XXXX/XXXX/2015 duplicate inquiries be removed from my credit report because there was no reason these companies should have been accessing my credit report for a second time after the purchase had already been finalized. I contacted the dealership and they said we should contact the credit bureaus. Equifax ( Confirmation # XXXX and XXXX ) has refused to remove the XXXX/XXXX/2015 hard inquiries, instead identifying them as " factual record of file access. '' Their investigation report told me I should contact the creditors directly. I contacted the following creditors : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. The creditors told me that they could not do anything because I was not a customer with them and I should dispute with the credit bureau. I am requesting that Equifax remove the duplicate and unauthorized credit report access on XXXX/XXXX/2015. My vehicle contract, including financing, was completed and signed on XXXX/XXXX/2015 so there was no reason for my credit report to be accessed a second time the next day.
Complaint sub-issue: Other problem

I erroneously made a payment of {$11000.00} on XXXX/XXXX/XXXX to the wrong Citibank card XXXX an old citi 'double cash ' card ) rather than the intended recipient XXXX XXXX XXXX. When I realized the error I called Citibank on XXXX/XXXX/XXXX who advised the funds would be refunded into my checking account in 3-5 business days. I waited patiently then I spoke with an agent at Citi, who was unhelpful. I asked to escalate the matter, then spoke with a XXXX, XXXX ( 'I cant give you my last name ' ) at XXXX XXXX XXXX XXXX ( XXXX ) on XXXX who advised the refund had to be 'cleared by a manager '. She proceeded to make excuses, then called XXXX to verify the payments previously made in error had 'cleared '. Then she supposedly processed an 'expedited review '. I am still awaiting my refund!
Complaint sub-issue: Personal information

The reason for my complaint today is because I have faxed Equifax on several occasions my drivers license and Tax returns in an attempt to Permanently remove the Extended Fraud alert on my file and to update my current addressXXXX XXXX XXXX XXXX FL XXXX. 

They claim that they have not received my fax and are asking me to re-fax the information to them. I am attaching my Tax returns to this complaint and my drivers license that shows my current address that I am wanting to be updated.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX contacted me to find out what I disputed on my credit report regarding their entity. I advised the woman that my credit report with EQUIFAX INCORRECTLY states that the last payment was made in XX/XX/XXXX. I have paid EARLY and EXTRA money each month since XXXX. The woman advised me that she would look into the matter and make sure that the updates are correctly showing that I HAVE in fact made the payments. On XX/XX/XXXX, I received and ALERT stating that XXXX XXXX XXXX updated and left a remark on my account. Upon investigating, I discovered that the REALLY made things MUCH worse. My credit reports STILL do not show that the months of XX/XX/XXXX, XX/XX/XXXX AND XXXX of XXXX have been PAID IN FULL. ALSO now on my credit report there is a remark that says " NO DATA. '' for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX has not even been entered as a payment EITHER. Not only is the information that XXXX XXXX XXXX   reporting INCORRECT, from their latest entry, my credit score went DOWN two points JUST due to XXXX XXXX XXXX. I have ALL of the documents ( contained in snippets ) to show PROOF of what I have been trying to get across.
Complaint sub-issue: Account information incorrect

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX-XXXX  XXXX, XXXX XXXX XXXX, XXXX-XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is in accurate as well. I have requested to have my addresses, phone numbers and names corrected on my report as this is a violation of my consumer protection right.
Complaint sub-issue: Personal information

An address which I have never lived at has appeared on my credit report and apparently some collection documents have been sent there. The person who lives at the address which has been incorrectly added to my file has informed me that they are still receiving my correspondence at their address.
Complaint sub-issue: Their investigation did not fix an error on your report

Account name : PNC BANK, N.A. Account # : XXXX. Delete PNC FOR REPORTING AN ACCURACIE. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and XXXX did not and are in current violation of my rights! XXXX and XXXX, did not complete the investigation in the allotted time of 30 days, I sent a CFPB COMPLAINT and they still did not delete it in the allotted time this is HARMING me and it is {$1000.00} violation from each company, respectively. In addition to that they are not reporting the same information which is a VIOLATION in itself because everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. 1. ) Date of last active illegal {$1000.00} violation XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX See Red marks on Attached. 2. ) In a separate dispute I demanded they prove proof of payment for the month of XX/XX/XXXX which they are reporting on the XXXX as OK which is inaccurate which is grounds for the entire account to be deleted I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Complaint sub-issue: Information belongs to someone else

Hi, I am a bit concerned about account I have in my credit report. The point is that this account is not mine and I do not recognize this transactions and only two bureaus reporting this error. I am kindly asking you to remove it once and forever. Thank you in advance
Complaint sub-issue: Having problems with customer service

I just received a notification indicating that I need to re-certify my income-based repayment plan. I ALREADY DID THIS. On XXXX/XXXX/16, I submitted a request to change my repayment plan ( currently IBR ) to REPAYE ( ref # XXXX ). I provided all of my income information as requested for this process. I do n't understand what they want from me. Are they now asking me to do something entirely different from what I 've already done in terms of providing my information? Their letter indicates that if I do n't do more paperwork I will be getting a bill for almost {$2000.00}. I 'm confused. Did I or did I not already do what was required of me?
Complaint sub-issue: Denied request to lower payments

My name is XXXX XXXX and on XX/XX/19 at XXXX pacific standard time I had a field agent as he described from Flagship Credit Acceptance come to my door to speak to me about my vehicle. I currently was not home as I was tending to a family emergency. The individual was able to contact me through my intercom as it is linked to my cell phone. We exchanged phone numbers and he then called me at XXXX which is again well before XXXX the legal time to call or visit me at my place of residence. 

The field agents name was XXXX, very kind but he did break the FDCPA when he came to my place of residence at XXXX. He dialed from what i assume is his Cell Phone. 

I have been trying to refinance my car because the interest rate is to high and I have tried to lower my payments and have been denied. Flagship Credit Acceptance has violated the FDCPA when the agent came to my door this early and had me panicked. Something needs to be resolved as I know there are stiff penalties for this type of violation. Please look into this matter, if it is happening to me, its happening to others. 

Thank you XXXX XXXX XXXX
Complaint sub-issue: Can't use card to make purchases

I was forced to change from an Amscott card that I used for years without a problem to an XXXX Card which was trying to " be much more than a pre-paid card '' and for my first big purchase I put a large amount to my XXXX Card for a Valentines Day dinner last night I found out my card had been compromised that day and my dinner and my card where denied. 
This caused a huge embarrassment and loss of potential employment when my fellow diners saw that my card was declined. 
I called the number when I got home and found that a unauthorized purchase had been made that very same day. XX/XX/2022 which put my card below the very expensive dinner I had planed to pay for.
Complaint sub-issue: Account status

My name is XXXX XXXX XXXX and my husband is XXXX XXXX XXXX. I viewed my husband and my credit report and noticed that our mortgage was reported being paid late for XXXX 2014. I spoke with our mortgage company and I verified online that our payments posted on XXXX/XXXX/2014. XXXX did not have a record of our payment being late for 2014. I have documents to support this information and have attached them to this dispute. I also noticed that my date of birth was incorrect on the report. It is listing my husbands date of birth as mine. I would like to have this information reviewed and corrected on our reports. Please contact me at XXXX or via email at XXXXXXXXXXXX. 

Thank you
Complaint sub-issue: Old information reappears or never goes away

On today XX/XX/2018 i discovered that a previous fraud account that was labeled incorrectly reported and etc. was reinserted into my credit profile on XX/XX/2018. This same item, was deleted on XX/XX/2018 but before deletion, Equifax would unlawfully allow the creditor to damage my credit profile for a very long time by allowing the creditor to add and change unverifiable payment history, unverifiable amounts, unverifiable open/close dates, and unverifiable proof of ownership. I've had long stressful periods dealing with both Equifax and this fraudulent account. 

Accounting back to the deletion, the law clearly states it is a requirement that consumers be notified within 5 days of reinsertion of any previous deleted items. I did not receive any such notification. Please delete this item immediately.
Complaint sub-issue: Application denied

On XX/XX/XXXX, I got an offer from Upgrade saying I was pre approved for a {$3500.00} credit limit. I applied as I am building credit and need a higher limit than I currently have on another card. I was approved, and they extended a limit of {$1000.00} and the rest would be unlocked after I submitted my two most recent paystubs. I did this that same day, XX/XX/XXXX. I did not hear a single thing from this company until XX/XX/XXXX when I got an adverse action notice saying my application was denied because they didnt receive my paystubs. They gave me a support email and phone number if I had any questions. I emailed on XX/XX/30 and someone emailed me back saying they cant help me and I have to call. Ive called 3 times now today XXXX with a 20 minute wait time each and every single time the agent puts me on hold to research my account and then hangs up on me. I cant get a straight answer. I feel like I was lied to about the credit limit and they had no intention of giving me the higher limit and I would not have opened the account for the lower limit. It wasnt worth it to do it and I feel like I was part of a bait and switch. The fact that I keep getting hung up on is concerning.