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

Equifax has an account listed in collection on my account. The company reporting has yet to contact me regarding the debt. It has been listed since XX/XX/2020 on Equifax. A dispute was filed, they investigated and reported to me the debt was accurate. How can Equifax determine if a collection account is accurate if I was never notified and have not received written notice from the debt collector to verify it??
Complaint sub-issue: Information belongs to someone else

Cash call is showing up on my XXXX credit report. This is not my loan, I have disputed this several times and it is still showing up on my hard credit pulls. It is dragging my score down. I need to get this fradulent pay day loan removed from my credit
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting that I have an unresolved collection balance with them for {$9900.00}. I am attaching a copy of the settlement I arranged with them back in XX/XX/2018, and also a copy of the wire-transfer that shows I funded the arrangement. Despite the fact that this debt has been resolved for 6 months now, XXXX XXXX will not report it as such on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Procollect is still reporting negatively on my credit report, and the balance was paid in full. I was in constant contact with XXXX Apartments and their regional management staff. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. Procollect somehow became involved, and Procollect did not do their due diligence to investigate the facts of the issue. XXXX is reporting the account is still open, and it is not. It is an apartment that I no longer live in and a company that is no longer in existence yet ; my credit profile is reporting negatively? The account shows paid in full but categorized as a charge-off, and it was not. I need this account to be removed from my credit report.
Complaint sub-issue: Account status incorrect

Good evening, I submitted a complaint to resolve an issue with my mortgage company XXXX XXXX. I did not make a late payment in XXXX. I have made disputes with equifax, XXXX and with the mortgage company. XXXX XXXX realized where the missed payment report fell through the cracks. I did not miss a payment with XXXX XXXX and have been making my payments on time before and even after the month of XXXX. XXXX  has removed the late payment record of XXXX XXXX from my report. I am asking for Equifax to do the same. Please understand this unique circumstance.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX  ) XXXX ( Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX REC has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Public record

I had an issue with my credit profile so I called customer service at Equifax, I was transferred oversea 's to a speak with one of their customer service reps. I told them that there are a few credit cards that are not reporting on my credit report. I explained to Equifax that they are the only credit bureau that those credit cards not showing up on. The customer service rep said she would take care of it. I am in the middle of getting a new mortgage when I was alerted to this mind blowing actions this customer service rep did to my credit profile. I repulled my credit report today in disbelief what that customer service rep did. She removed my current address and replaced them with XXXX addresses that do n't belong to me, she added a tax lien tradeline on my credit report that does n't belong to me. She basically destroyed my credit rating in a single day. I want my credit profile back that I had several days ago. I am about to blow the top of my lid off and file a lawsuit against Equifax if this is n't taken care of ASAP.
Complaint sub-issue: Their investigation did not fix an error on your report

While reviewing my credit report I noticed some inconsistencies. I noticed that listed there are 8 open accounts when there should be a total of 9. The XXXX XXXX account XXXX is missing. I also noticed there are closed accounts which is student loans from XXXX which I asked that they be removed because they were opened 12 years ago.. Also a violation may have taken place because the same loans are reporting as re-opened or Re-aged in XXXX I am asking that a full detail investigation is completed and that the accounts are removed as soon as possible. Per FCRA accounts over 10 years max should can be removed ... I also see inconsistencies with XXXX XXXX account XXXX and due to that I am asking that all late charges be removed or the account altogether be removed.. On XXXX the balance is being reported as {$9800.00} while on XXXX and Equifax the balance is reporting as {$15000.00}. 
Also inquiries that include XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX asking that they all be removed because I did not request credit with these creditors.. 
Thank You XXXX XXXX
Complaint sub-issue: Right to dispute notice not received

I had an recent open collection with XXXX. I contacted Enhanced Recovery Company, LLC and told them that I want to pay collection amount in full which was {$160.00}. I provided them my debit card information an authorized to charge me the full amount owed. They provided me reference number as a transaction confirmation and told me that will update all credit report that collection paid. Instead they reported new collection account for XXXX XXXX that is more than 8 years old for amount {$380.00}. 

I never received single phone call nor letter from collector regarding this both collection accounts. I know under The Fair Credit Reporting Act debt collectors must notify in writing about attempt for collecting debt. They are not allowed to report a debt to credit agencies if it is more 4 years.
Complaint sub-issue: Didn't receive notice of right to dispute

I received a notification that I had a collection on my account. I view the notification to find out that a company had claimed that I owed the outstanding balance of {$59.00}. I called and was told that they had sent collection paperwork to my address. That address was an address I had four years ago. I am an XXXX XXXX XXXX XXXX who XXXX in 2016 when I had the company XXXX. Before deploying I returned all of the necessary equipment. I called the company and asked about the charge and the company could not find an account that I owed them.
Complaint sub-issue: Debt was paid

I lived in South Carolina XXXX years ago and had XXXX cable. I paid my final bill and then never heard another word from them. Now, XXXX years later in another state that does n't even offer XXXX, I am getting hounded to pay a debt not only that I do not owe, but they are now reporting this debt on my credit report. I do not know how to make this stop or go away, Enhanced Recovery Services seems to have a habit of buying off bad debts and trying to collect on them. Please, please, please help me resolve this so I can buy the home of my dreams!!
Complaint sub-issue: Problem with customer service

I initially contacted MOHELA on XX/XX/22 to receive reimbursement for my student loan payments made during forbearance. I was told my reimbursement would be received via direct deposit up to 30 days. Currently as of XX/XX/22 I have not received any deposit to reflect my request. 

I have been attempting to contact the servicer to request an update on this matter but customer service is unreachable due to unrealistic wait times. The call menu is a blockade of automated messages followed by confusing selections to be added to the waitlist of callers. Once added to the waitlist the wait times have been XXXX minutes or longer. I have had no ability to speak to a representative due to this.
Complaint sub-issue: Was not notified of investigation status or results

i have contacted Equifax several times about a collection account on my report from XXXXXXXX XXXX XXXXXXXX. i Filed a dispute on The account but it was not removed, not only that but it is on my report twice now as an additional collection account. When i contacted them about this they opened another dispute but never fixed it or even contacted me with the results. I need this collection account removed from my report along with these inquiries that i dont recognize and cant get them to remove Collection Account to be removed it is on the report Twice XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

XXXX XXXX, XXXX I tried to get all XXXX of my credit reports at XXXX. It only gave me XXXX report even after I tried XXXX times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.
Complaint sub-issue: Debt was result of identity theft

ACIMA DIGITAL FKA SIMP is showing collection and late. I didn't open up a debt with this company.
Complaint sub-issue: Card opened as result of identity theft or fraud

I have had several calls and mail correspondence about credit cards from XXXX, Best Buy, Home Depot, XXXX, XXXX XXXX, XXXX, and XXXX. XXXX and Best buy have been approved despite me not ever having talked with the company. I'd like to end all credit cards taken out in my name in the past month.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I have gotten my unemployment benefits on this card and have not had a problem till now i changed my address online and us bank puts a hold on my card its been 3 weeks plus and have my unemployment benefits for a 2 week period they asked me for id verification i have send documents 5 times and every time its something else u told them about my id situationand how dmv in texas is by appointment only n all i had was a copy in color of my dl to today I have no access to my money I was not able to pay my bills cause i have no way to them this really frustrating n us bank has no action on they part every time i call they verify my identity so why cant they verify submitted documents thanks and any help will b appreciated ps.

Im attaching all the documents i send us bank
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I opened sears credit card on XX/XX/XXXX and was given a credit limit of XXXX.On XX/XX/XXXX, sears reduced my limit from XXXX to XXXX without any warning and no good reason.My credit score was under 600 when I applied and I do have a bankruptcy on my credit file currently and when I applied for credit.Because of this reduction in credit, It has hurt my credit score and credit overall.When I received the letter from sears it states under PLEASE NOTE '' the reporting agency played no part in our decision and is unable to supply the specific reasons why we have reduced your credit limit '' .Prior to this letter and in XX/XX/XXXX, I disputed a sears auto charge regarding some work they did on my vehicle that wasn't needed.I was reimbursed by sears for the charge after a long dispute and letters with sears credit.This has hurt my credit score and my credit overall.
Complaint sub-issue: Account information incorrect

The account XXXX XXXX / XXXX XXXX # XXXX owned by XXXX XXXX XXXX ( XXXX ) remains on my credit report despite numerous requests to have it removed over the past year. This account was originally sold to XXXX for collection by XXXX XXXX / XXXX XXXX This account was settled with XXXX after paying them directly six payments totaling {$3400.00}. XXXX has issued directly to the XXXX  credit agency multiple letters in both XX/XX/XXXX and XX/XX/XXXX requesting that the account be removed from my report. This is in addition to the multiple copies I have provided. XXXX has refused to comply with XXXXs request. I have now filed an action with both the CFPB and the Massachusetts States Attorney General office requesting assistance in this matter. I have provided a copy of one of these letters.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed inquires for things I didnt apply for.
Complaint sub-issue: Was not notified of investigation status or results

I have sent 2 separate letters on XX/XX/2020 and XX/XX/2020 asking for verification of multiple fraudulent and questionable items on my credit report and have not received back anything in over 90 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a major stress on my life and loss of wages.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}
Complaint sub-issue: Account status incorrect

I have had to exercise my option to defer ( extend ) payments to the end of my loan, in the summer of XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has reported both the XX/XX/XXXX and XX/XX/XXXX payments as over 30 days on my credit, both with Equifax and XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX to dispute the most recent reported late payment. After looking at the situation, they told me the deferment ( extension ) was processed after the payment was 30 days late. I reminded them that I had submitted the proper documentation and the payment to process in time. I called to follow up the next day, after submitting both the paperwork and the payment to ensure everything had been received. Their system was down that day ( Saturday ) and they could not tell me anything until the following week. I was assured it would be effective dated for the receipt date. The person in XXXX told me to file a dispute with the Credit Bureaus. I did that XX/XX/XXXX. The reporting for the XX/XX/XXXX was removed upon the resolution of that dispute. The next month, XX/XX/XXXX was reported again as late. I called XXXX XXXX on XX/XX/XXXX to, again, go through the long process of explaining everything to hear the same responses. Finally, a supervisor assured me she was going to review it with the credit reporting team and get back to me the following week. Last Saturday, XX/XX/XXXX, I finally had time to call to follow up, after getting absolutely no response in over a month. I had to, once again, explain everything to be told the same responses, along with another supervisor telling me what " I '' would have to do to correct it. I explained in very clear terms, my next action was to file a complaint through CFPB. I asked him the time frame he needed to get a response from the credit reporting team. He said Wednesday, which was XX/XX/XXXX. I have not heard or seen any response. I purposely waited another couple days, in case something came up, preventing a timely response. 

I, now, would like to have both XX/XX/XXXX and XX/XX/XXXX removed from my credit report as late payments, since both payments were placed at the end of my loan, causing me to pay additional interest on the loan, and delaying my payoff date. I have spent hours trying to get this corrected. I have been denied a personal loan, because of these reporting issues. That personal loan would have allowed me to pay off the last of the negative issues on my credit, therefore raising my credit score to the point I could effectively trade in the car and have XXXX XXXX paid off. I feel I have been more than patient and fair minded in my attempts, while being met with resistance, red tape and absolutely no follow up by XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiry reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$440.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX Balance : {$450.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Lending Club Account # XXXX for {>= $1,000,000} are the sole responsibility of XXXX XXXX XXXX, XXXX, SSN=XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Complaint sub-issue: Account information incorrect

On the 2 following dates XX/XX/2020 and XX/XX/2020 I wrote Equifax and requested that an investigation be made into the inquiry for XXXX. To date, I have not received a reply from them or any acknowledgment that an investigation has begun and/or what were their investigative methods. 

They also Have numerous wrong addresses which I also asked them to remove that still show on the credit report. this is my 3rd letter to them and this is why I am including the CFPB
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX did not appropriately investigate a falsely reported collections account from XXXX XXXX I do not owe any balance to the original creditor. I asked XXXX to have the original creditor provide the original contract and proof of balance owed. I have attempted to dispute this twice through the XXXX dispute process online. In addition, I have called XXXX to inquire about the investigation. I was told by the XXXX representative XXXX, that the collections company only verified that that I was the account holder by my name, date of birth, etc. They weren't asked to provide any other proof of the balance owed. I was told by the XXXX representative that they do not ask for any documents from the collections agency to prove the debt reported on the credit report. This collection attempt has already been removed from another Credit Bureau successfully.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to adjust immediately : XXXX  XXXX XXXX XXXX XXXX Balance {$2300.00} ; DEPT OF ED/XXXX XXXX Balance {$160000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} ; DEPT OF ED / XXXX XXXX Balance {$160000.00} ; DPT ED/XXXX  XXXX Balance {$160000.00}.
Complaint sub-issue: Information belongs to someone else

I FILED AN IDENTITY THEFT FTC REPORT DUE TO INACCURATE ACCOUNTS ON MY CREDIT REPORT AND NO ONE IS HELPING ME.
Complaint sub-issue: Was not notified of investigation status or results

I have taken a loan from XXXX XXXX on 2014 i have closed that loans and taken XXXX also but still showing in XXXX, Equifax, XXXX sites i have all closure letters