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

On my last correspondence to you last XX/XX/2018 I disputed several items which are incorrect, inaccurate and violating FCRA. After more than 30 days, I do not believe that proper investigation took place as there are several violations visible of how the items where reported. Information showing the account was re-aged and missing information from the report. I disputed XXXX ref # XXXX, XXXX XXXX ref # XXXX, PORTFOLIO RECOVERY ACC # XXXX and XXXX XXXX   XXXX/XXXX ACC # XXXX. All these account shows violation of FCRA. Some reports incorrect late payments, some have missing/incomplete information, others are re-aged and reporting misleading information such as creditor type and so on. This is my last resort before taking legal action. So I am giving you another 30 days to remove these items from my credit report. Attached with this complaint is a copy of the letter sent to you last XX/XX/XXXX and some info I found on my credit report that proves the violations.
Complaint sub-issue: Account information incorrect

XXXX   XXXX   account showed a late payment in  XXXX / XXXX . This information is inaccurate. Payment was not late. Balance was paid. And   XXXX   XXXX   credited all late fees. This item was incorrectly applied to my report and should be deleted immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

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 THESE ACCOUNTS ARE REPORTING BALANCES AND PER FCRA THEY MUST BE DELETED WHEN REPORTING INNACURATE AND THIS BUREAU HAS DONT NOTHING ABOUT IT. 

INCORRECT NAME OF XXXX XXXX REMAINS ON MY REPORT INCORRECT ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Complaint sub-issue: Report improperly shared by CRC

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by JP MORGAN CHASE BANK on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Complaint sub-issue: Contacted your employer

LexisNexis is reporting fraudulently reported information. They refuse to take down information regardless if it's fraudulent, and older than 8 years old and in violation of reporting negative information beyond 7 years One of mant reference # 's XXXX Case # XXXX Case # 2 -- XXXX Consumer # XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed a cyber security breach that enabled access to 100 % of my personal information and exposed me to the threat of identity theft both now, and at any point in the future. I 'm one of 140 million vulnerable citizens and I demand justice!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

on XX/XX/XXXX I had decided to purchase an XXXX watch in the amount of {$750.00}. 
I was given an order number and notification that item was shipped via XXXX 2nd day air with an expected delivery date of XX/XX/XXXX. 

On XX/XX/XXXX, rhe package tracker stated it was pushed the following day. 
XX/XX/XXXX, XXXX claims package was never on the truck pushed date further out. I contacted both XXXX and Bestbuy to find out whats going on. I was informed that since it was season i will have to wait till the XX/XX/XXXX before i cam receive my package. 

XXXX failed to deliver the package on the first and when asked i was given a response the package is missing or lost contact sender to resend When i called Bestbuy i was informed that they can not send another item because its not available, but i can proceed for a refund and see of i can aquire it from a store On XX/XX/XXXX the local store has a small stock of the exact item and i went ahead and purchased it per Bestbuy request. 

it has been more than 5 business days and i yet to receive my refund.
Complaint sub-issue: Public record information inaccurate

This Complaint is directed towards Equifax, XXXX  and XXXX. On numerous occasions I have sent disputes letters regarding a fraudulent Bankruptcy on my credit report on XX/XX/XXXX. The Bankruptcy reports being dismissed on my report, I explained it must have been an error. I sent a document from the court that they did not give them any information on a Bankruptcy case. On XX/XX/XXXX Equifax removed a Bankruptcy off of my credit report and added the same day. I have enclosed screen shots from XXXX XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX XXXX There was a gas transaction initiated at the pump, Which put a {$75.00} hold on the card, but before the transaction was started, it was canceled at the pump, at {$0.00} I then made another transaction conpleting a gas purchase It appears it was XX/XX/XXXX when I 1st noticed that the {$75.00} was never put back into my available balance by available abolence, after looking at it, it was no longer marked pending, in fact it was marked completed I contacted cash app That is when they referred me to contact XXXX XXXX XXXXXXXX, the gas station where the transaction took place, I then contacted XXXX XXXX  XXXX, was able to speak to a representative who has encountered the situation with cashapp previously, he sent me documents confirming that the transaction was closed out with a {$0.00} balance from XXXX XXXX  XXXX, very shortly after the transaction was 1st initiated. I then reached back out to cash app relax relaying the information from XXXX XXXX, also submitting copis so submitting copies for verification And have continued to get the run around with robotic responses An avoidance of finding a resolution, I have continued to be passed on from representative to representative from representative to representative to representative to representative over and over, i was given a case # XXXX And have repeatedly been told that they have escalated my case to the proper division, it's division, but when I try to reply through email I get a response stating we closed your case because the response was provided and it's been more than 3 days since we've heard from you, there was never any response necis any response necessary or even an email for me to respond to, adding to their avoidance and closing a case that is obviously not is obviously not resolved
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, FLAGSHIP CREDIT ACCEPTAN add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Information belongs to someone else

Someone make a fraudulent XXXX XXXX inquiry on XX/XX/21. I spoke with XXXX XXXX and they stated they would contact the company to have the inquiry removed.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2022 about inaccurate and unverifiable items on my credit report. It has been over 90 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 90 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.
Complaint sub-issue: Received bad information about your loan

I am a XXXX of students with XXXX for over a decade. I was assured multiple times by multiple people at FedLoan Servicing that I was signed up, on-track, and making payments towards the Public Service Loan Forgiveness ( PSLF ) I am eligible for. In fact, the only reason I am with this loan service at all is because I signed up for this loan forgiveness opportunity. But then I received an email on XX/XX/XXXX alerting me that my payments would no longer count towards my loan forgiveness if I did not update to a different repayment plan. I emailed and called customer service ( several times ) for next steps, only to eventually learn that I have not been signed up for the forgiveness plan since XX/XX/XXXX! Therefore, they told me none of my payments had counted! If that's true, I will end up needing to pay off my entire student loan before I would be eligible for forgiveness! But I had been reassured so many times that it was alright. When I went back to school in XX/XX/XXXX, my loans automatically deferred. I called back then in a panic thinking that this might ruin my loan forgiveness, but the representative then assured me that wasn't the case and even passed me on to a PSLF specialist to be sure. The customer representative I spoke to on XX/XX/XXXX, although professional, did not have anything to say for the company or for my astonishment and complaints other than he can not speak for someone else. How can it suddenly change like that? Why do none of my previous payments count anymore? Why did several representatives all assure me I was on track if I wasn't? I feel scammed and betrayed by this company.
Complaint sub-issue: Banking errors

I enrolled in the Citibank Accelerate High-Yield Savings Leveled Bonus Offer on XX/XX/XXXX and funded the account with {$55000.00} on XX/XX/XXXX. I met the requirements of keeping the balance above {$50000.00} to qualify for the {$450.00} bonus. The bonus was supposed to be paid to my savings account within 30 days of completing the required activities, which is either 30 days from XXXX or 30 days from XX/XX/XXXX. I contacted Citi via chat on XXXX and a representative named XXXX indicated I would receive the funds by XX/XX/XXXX. When I didn't receive the bonus, I had another chat, this time with XXXX on XX/XX/XXXX. He opened a ticket ( XXXX ) for me and indicated it may take up to 5 days to receive a response. I still haven't heard anything on XXXX. 
This savings account and my Citi credit card remained open and in good standing this entire time period. I've attached proof of the bonus offer, transaction history, statements and chat screenshots.
Complaint sub-issue: Account information incorrect

Greetings : After being released from bankruptcy, there was an attack on my finances. 1 ) During bankruptcy someone added their student loans to my account. I wrote the judge and Trustee 2 ) After being released my balance went from XXXX to over XXXX. I have NOT signed for any loans. I paid for school at XXXX XXXX XXXX XXXX. They wont correct that. I have NEVER signed for a private loan and I continuously see these small amounts like {$400.00} and {$600.00}. I asked in a dispute for the signed loan paperwork for all loans. I want an attorney to review all of them. I will not pay for some scrubs education. They one loan was for XXXX who attended some technical school. I have NEVER received a loan from ANY technical school. Recently I received a notice from XXXX saying a deposit was being made to my account from financial aid. I DO NOT receive financial aid ( have not for at least 10-11 years ).
Complaint sub-issue: Information belongs to someone else

I recently checked my Equifax credit report and I noticed XXXX XXXX XXXX is reporting on my Equifax report for the amount of XXXX XXXX  and {$890.00}. 

XXXX XXXX XXXX sent Equifax a deletion letter I demand these items be removed from my report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 I placed an online order for a refrigerator at Best Buy. The order clearly states that delivery/shipping is free ; however, the day after the refrigerator was delivered on XX/XX/2020, I received an itemized order details statement showing that I had been charged a delivery fee of {$69.00} ( {$75.00} with tax ). I called Best Buy to get the " free '' delivery charge credited to my credit card but was told they could not issue a credit and offered me a gift card. I declined the offer and again asked that a refund be issued to my Best Buy Visa account. After repeated phone calls to Best Buy, on XX/XX/2020 I filed a formal dispute online and eventually filed a dispute with the Best Buy Citi Visa card account. 

On XX/XX/2020, I was notified the following by Best Buy Credit Services : " We are pleased to inform you that you have received a credit for the amount ( s ) below from BEST BUY. It has already been applied to your account and appeared on your billing statement dated XX/XX/2020. 
Transaction Amount {$210.00} We now consider this matter resolved and have concluded the dispute investigation. '' This is not resolved! The {$210.00} credit was applied as a " price match '' for the refrigerator I purchased, due to a lower price by a competitor. This credit has nothing to do with the {$75.00} " free '' delivery charge I am disputing! I have since tried to re-open the dispute but have not received a response from Best Buy Credit Services. Please help me get this matter resolved. I am asking for {$75.00} " free '' delivery charge be credited to my Citi Best Buy Visa card. Let me know what additional information/documents you require to make this happen. 
Thank you, XXXX & XXXX XXXX
Complaint sub-issue: Received bad information about your loan

This is a follow up from my last complaint that was submitted, but never resolved. Claim # XXXX. My private student loans were being serviced by XXXX  from XX/XX/XXXX. In XX/XX/XXXX, I got a letter from XXXX XXXX that due to the settlement of lawsuit, my private loan amount has been adjusted, and will be serviced through XXXX XXXX. However, instead of the account being transferred from XXXX, both XXXX XXXX and XXXX XXXX are billing me for the loan payment.

I have asked XXXX XXXX multiple times for the name of the servicing agent, that was servicing my private student loan from XX/XX/XXXX up until XX/XX/XXXX, when XXXX XXXX claims to have taken over my private student loan.

At the same time, I have asked XXXX XXXX for the Primissory note that I signed for the private student loan XXXX has been servicing since XX/XX/XXXX.

My loan should be serviced through either XXXX XXXX or XXXX, not both. However, I am currently getting bills from both agencies, and neither party is providing the necessary document.

I need to have the following information from XXXX : Primissory Note for my private Student Loan.
Complaint sub-issue: Received bad information about your loan

My annual income recertification date for Income Based Repayment was upcoming in late XX/XX/XXXX. There was a notice on my FedLoan account website stating as much, and I knew that a missed recertification would mean payments would increase substantially to the " standard '' payment amount. I followed the account notice 's direction and submitted my recertification paperwork on XX/XX/XXXX with the understanding it was required. 

My joint income had increase in XXXX so I was notified on XX/XX/XXXX that my recertified student loan payment amount increased by roughly {$120.00}, with payments beginning in XX/XX/XXXX after CARES Act expires. 

It was later brought to my attention that embedded within FedLoan CARES Act FAQs, that income recertification is NOT required and can wait until the following year, which in my case would be XX/XX/XXXX, and a new payment amount XX/XX/XXXX. 

I contacted FedLoans via phone on XX/XX/XXXX about the issue and requested that my payment amount be reverted back to XXXX levels per CARES Act. That representative sent a note to another unit. I followed up via e-mail on XX/XX/XXXX but did not yet get a response. I followed up today via phone, XX/XX/XXXX, and was told that they rejected my request and my new recertification amount will stand despite the CARES Act not making it necessary, and despite their mixed messaging on their website.
Complaint sub-issue: Public record

I disputed the inaccurate info about the judgement, case # XXXX, with Equifax and XXXX. Both stated the info was correct. However, as noted on the reports Equifax is showing a Paid/Satified date of XXXX and XXXX shows a Paid date of XXXX/XXXX/2013 I have included the excerpts of my credit reports showing how these accounts are reporting
Complaint sub-issue: Information belongs to someone else

Received notice of 'hard inquiry ' which was not made by me. Have not applied for any loan product or credit card.
Complaint sub-issue: Account terms

I have recently disputed some incorrect information numerous times on my Equifax report. 
*XXXX # XXXX XXXX XXXX XXXX *Accounts- XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX Equifax has stated they verified all these accounts but the account details continue to remain inaccurate. 

I do not believe that they are verifying the information with the creditors listed. Each time they just add new information and it still is inaccurate. 
I request to be provided with the dates and ID # of the person at the companies who Equifax claims reported this recent update. This is affecting my ability to get a home loan and should be removed.
Complaint sub-issue: Problem with personal statement of dispute

I have contacted Equifax on multiple occasions to discuss my dispute far as my bankruptcy. It has been on multiple occasion, where I have been lied to. I first reached out to Equifax on XX/XX/XXXX by a way of mail, to let them know that the reporting of my Bankruptcy is showing incorrect. Then they sent me a letter back stating that it came back verified and that they updated information. I was confused on how it can be verified so quickly as courts were starting to close due to Covid-19. I began to wonder if that had even contacted the bankruptcy court to begin with. 
So, I questioned Equifax and their validity to see if they even began to do their due diligence to contact the Bankruptcy court. So, I asked them how they verified this, who did they contact and how they contacted them. They told me that they did not verify it. I was in complete shock when I found out this as this could be a violation of the Fair credit reporting act. They told me that a third party by the name of XXXX XXXX has done it. I was still shocked to know they did not do a throughout investigation and then marked my bankruptcy as verified. 
So, I contacted XXXX XXXX to discover how they verified the information and did they follow the rules Equifax was supposed to follow. They then sent me a letter in the mail stating that the information they received was verified through the bankruptcy court in Tennessee. I was shocked that Tennessee court did such a thing, so I contacted Tennessee bankruptcy court along with the bankruptcy court of Illinois. 
I reached out to both courts to discover that Equifax and XXXX XXXX had been lying to me this entire time! The letters that I received back from both courthouses clearly shows a violation for both entities. The letters clearly state they did not provide nor verify information with these entities. Along with how these courts do not provide any information at all to the bureaus. When I had a phone conversation with the Clerk she expressed how she felt that these companies continue to fib to the American people ; and also Tennessee does not have my information on me because its not the state I filed with. She was so flabbergasted they did this because she could not even look me up in her system. All of which is a violation of the FCRA and is dishonest way for a major bureau such as itself to act.
Complaint sub-issue: Debt is not yours

In XXXX, I received a solicitation for XXXX XXXX XXXX from XXXX. The solicitation offered a " discounted '' rate for a set number of treatments. 

I purchased a set number of lawn fertilization services from XXXX # XXXX. I submitted payment in full for the specific services requested. 

I did not request or authorize any ongoing service beyond the package that I had purchased. Nothing on the solicitation form indicated that I was signing up for ongoing service or automatic billing. I explicitly did not want ongoing service. 

Without my knowledge or authorization, XXXX saved my credit card information and in XXXX they started charging my card repeatedly for service that I did not request or authorize. The unauthorized charge was roughly double the rate from the XXXX solicitation. 

When I discovered that XXXX had been charging my credit card, I contacted their customer service immediately. The agent agreed that I had not authorized the service, and assured me they would reverse the charges. The credit did not come. 

After giving them time to rectify the issue, I eventually contacted my credit card company to dispute the charges. My credit card company investigated and reversed the charges. 

I thought that the matter was settled, until XX/XX/XXXX when I received a collection notice from " IC System, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX '' The collection notice on behalf of XXXX # XXXX was in the amount of {$110.00}. 

I immediately wrote to IC System using their included form, and I mailed it back informing them that the debt was not valid and that I had not authorized these charges or services from XXXX. According to my understanding of the law, they should have stopped trying to collect the debt without sending me proof of the validity of the debt. 

I also called XXXX customer service to inform them that I had been sent to collections over a debt that I don't owe. I spoke to a customer service representative who informed me that she could see the notes on the account, but she needed to have a manager call me back to reverse the charge. She advised that someone would call back in 24-48 hours. Nobody ever called. It is not possible to reach a local representative, and it is also not possible to be transferred directly to a supervisor. 

On XX/XX/XXXX, I received a second collection notice from IC System for the same debt. This notice had a bold notice " VALID COLLECTION '' across the top. It offered no proof of the validity of the debt. I believe this notice was in violation of the law, as I had already disputed the validity of the debt with IC Systems, and they should have stopped collections until they could issue proof that I had authorized these charges. 

Also, on XX/XX/XXXX, I again contacted XXXX customer service at XXXX. Despite the number being a local number, it routes to a call center somewhere unknown. Again, I was told that a manager needs to call me back, but it is more than 24 hours later and no manager has called.