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

XXXX XXXX is supposed to remove all 3 tradelines from the 3 major credit reporting agencies as part of a class action lawsuit settlement. I submitted the lawsuit paper to all 3 credit bureaus and they will not remove the tradelines from XXXX. I contacted XXXX XXXX several times to remove the tradelines with no sucess at all. It is part of a settlement regarding repossessed vechicles with balances being reported on the credit bureaus. XXXX XXXX XXXX is supposed to remove the information on all 3 major credit bureaus. Ive disputed st least 3 different times to all 3 credit bureaus and they will not remove the information.
Complaint sub-issue: Debt resulted from identity theft

I never had a XXXX account of my own. My cousin had opened the account in my name using my social security number that he stole from me.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax still reports a collection account even after I submitted proof of payment from the original creditors. I opened up an investigation and attached the proof of payment and they came back saying the information reported is correct. How can they do that? Dont I have rights over my own credit file vs a unreputable collection agency. 

Also they dates reported as the actual debt are wrong. Debt was from 2014 and shouldnt even be on my file.
Complaint sub-issue: Information belongs to someone else

I was one of the millions Who Equifax was sending false scores & reports. Meaning Equifax did not exercise their grave responsibilities.. Equifax was unfair, was impartial, And did not respect my rights to privacy! 15 usc 1681 A ( 4 ).

Equifax never had permissible purposes, I never instructed Equifax to furnish these accounts. I never consent to these accounts in the first place. 15 usc 1681 b ( 2 ) with the accounts listed below XXXX  XXXX XXXX account number XXXX balance XXXX XXXX  XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I have sent my FTC report as well as proof of my identity.

Failure To Reinvestigate inaccurate information can result in credit reporting agencies being sue under 15 usc 1681 s ( 2 ) ( b )
Complaint sub-issue: Was not notified of investigation status or results

I was recently looking at my credit report and I noticed a bunch of negative Inaccurate information on my report I disputed this information with the bureaus XXXX equifax XXXX. It has been over 60 days sense I sent those letters out containing where I want investigated and removed I still have not heard anything from either one of them. Ive been more than patient due to Covid in the election going on. I sent these letters on XX/XX/2020 Im reaching out to the CFpb to get this done please get this done
Complaint sub-issue: Information belongs to someone else

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXX XXXX  '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$420.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act- XXXX XXXX  XXXX, Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to privacy.

15 USC 1681 Sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Complaint sub-issue: Didn't receive notice of right to dispute

The National Recovery Agency has placed a balance of {$460.00} on my credit reports. They never sent me written notification of the debt, allowing me to dispute. They claim to have mailed it but I have mail forwarding from my old address and never received it, Furthermore, the bill is for the XXXX XXXX. XXXX XXXX bills me every month. They never notified me in writing that this bill was due despite them having no comprehensible reason to not know my address as I TRANSFERRED service to my new address. The first time I actually spoke with National Recovery Agency was just last week and it is already on my credit report. They have not even validated the debt before placing it on my report because they never gave me a chance to request validation. The debt being placed on my credit report is not validated debt! Moreover, I had this whole conversation with National Recovery Agency without confirming who I am. They did not know if I was myself or a third party.
Complaint sub-issue: Debt was paid

XXXX/XXXX/2016, I 've sent a dispute to IC System regarding an XXXX account XXXX that has been paid. The agent name XXXX XXXX told me to send the letter and they will forward it onto XXXX to resolve this account I have been disputing for years. On XXXX/XXXX/2016, I called IC System at XXXX to get an update of my account, but the rep transferred me to an XXXX account receivable rep. name XXXX. XXXX asked for my name, account number, social security number, and address. XXXX with XXXX stated she do not show that I owe anything with XXXX for a u-verse account. I asked her please help me with IC system because they keep telling me that they are collecting these funds on behalf of XXXX. This has been a constant battle and I feel it is unfair for them to report on an account that has been paid and resolved. 

On XXXX/XXXX/2016, I asked the gentlemen at IC System to provide the XXXX Dept. name and XXXX phone number that is consistently reporting this XXXX Account balance of {$270.00}. The rep at IC System stated that he can not provide the name and number ; they only contact with XXXX is by me sent a dispute letter to forward to XXXX. I have sent a letter of dispute on many occasion, but it does not seem like IC System is forwarding the information to XXXX to resolve my account. Here I go again with the same run around by IC System ; IC System has not provided proof they have contacted ATT to delete the account that has been paid and resolved.
Complaint sub-issue: Old information reappears or never goes away

I am in the process of clearing negative items that the are marked as " CHARGED OFF '' on my report. The reason being is that no credit reporting agency per the FCA has the written instructions from the consumer to include ANY information on a consumers file. I have disputed the items many times to no avail and without proper documentation per the FCRA. These items are negatively affecting my reputation and credit file which is hindering the consumer to partake in the natural course of banking which is advocated upon by Congress. These are written instructions and demand from the natural person to have these inaccurate and negative items removed immediately from the credit reports of the consumer XXXX XXXX- Status incorrect- account paid- monthly payment {$0.00} XXXX XXXX XXXX- No attached collections acct-still report 3 years after closed ALL EMPLOYMENT SHOULD BE CLEARED XXXX XXXX- still updating 1 years after close Lastly the consumer does not fit the criteria for any closed account per the FCRA
Complaint sub-issue: Card was charged for something you did not purchase with the card

Account was charged XX/XX/2022, for fraudulent transactions in the amounts of {$10.00} and {$2800.00}. We called to report the fraudulent charges. Citibank cancelled the card and issued a credit for the charges. However, when they transferred the balances on our old card to the new card, they added the XXXX charges ( {$10.00} and {$2800.00} ) to the new card. When I asked them why there was not a provisional credit for those amounts pending determination of the validity of the charge ( my understanding of the regulation ). 

They ( including a supervisor ) said that they do not make provisional credits. The only time there would be a credit would be if their investigation determined that the charge was fraudulent. Again, this is contrary to my understanding of the treatment of disputes and I told them I would be contacting CFPB.
Complaint sub-issue: Their investigation did not fix an error on your report

This is where I am today with  XXXX    XXXX   XXXX  , Equifax   XXXX   XXXX  ,  XXXX    XXXX   XXXX   very frustrated. I called and told them this. I did not authorized these accounts. Same accounts have been unverified and there is NO Contract.     I also said dont know what else to do. When the representatives said to just keep calling the credit companies. So, I sent 609 letters to dispute felt a since of no worries but have sent two rounds of 609 letters. Ready to send a third round of letters.     I have called these companies ;  XXXX   XXXX   XXXX  {$300.00},   XXXX   XXXX   XXXX  {$400.00},   XXXX   XXXX   XXXX   XXXX  - {$310.00} and   XXXX   XXXX  - {$300.00}.  Reporting  closed  Collection  accounts but currently open and over credit limit by {$1.00}, derogatory remarks, late pay and a s Charge Offs/  Bad Debt . All negatively reporting.     It was stated in their responses to my  2 di spute letters that you have verified that the items listed are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. To show my signatures on Contracts. The fact they have ignored my request to send me copies of the documents that was used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said would happen.     Failure to delete and remove the disputed accounts that they cant verify after two written requests is also telling me the evidence of their willful disregard of  Federal Law.  The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and a  Court  will order you to delete them.     You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of  1681 ( a ) ( 4 ).      I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation o f Federal Law an d evidence of your willful disregard of the law.     Please be advised that under Section  611 ( 5 ) (  A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am requesting that they do this immediately.     The law is very clear as to the civil liability and the remedy available to me  ( Section 616 & 617 ) if you f ail to comply with  Federal Law. I  am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.     This is my complaint and demands.
Complaint sub-issue: Problem while selling or giving up the vehicle

US Bank is the lienholder of my car loan. For the better part of a year, US Bank has refused to deliver the title to my car to the state I relocated to. I have been in regular email communication on this matter and have already submitted a complaint that was " answered '' but not resolved. I received a citation for expired tags because I am unable to register my car with the state-to-state title transfer. My car payments have not stopped but my ability to sell my car or legally drive has been interfered with by the business practices of US Bank. US Bank has a system of communication that prevents any meaningful attempts at problem-solving. Employees are only allowed to send a set number of form emails and can not actually problem-solve for customers. After you have been writing to US Bank for more than 90 days, the email you have been corresponding with expires and your only choice is to start over.
Complaint sub-issue: Their investigation did not fix an error on your report

To get Equifax to properly classify item below XX/XX/XXXX on my Equifax Credit profile. 
XXXX XXXX XXXX| xxxxx XXXX {$17000.00} 87 % Reported Balance Credit Utilization Now showing on my credit profile with them as a revolving account, to an installment account. Removing it from the revolving account classification once and for all. 

Equifax Im told has some Excuse or Rule that if the interest rate is below a certain percentage they classify it as a revolving account. Or at least that is the way I understood it. 

From XX/XX/XXXX thru XX/XX/XXXX My credit Union has had numerous conversations with them as well as a personal call from me and written communication to get them put it in its proper classification. It is destroying my credit utilization profile and ruining my chances at good credit. It is a fixed loan amount with a fixed monthly payment therefore meets the requirements of an installment account, as one of their supervisors revealed to me its obviously an installment account over the phone.

Both XXXX & XXXX are showing the account correctly. 

They did put the XXXX XXXX XXXX Account Now at {$17000.00} balance in its proper classification around XX/XX/XXXX but it only lasted a month and reappeared in XX/XX/XXXX. Unfortunately, I informed my Credit Union that the problem was solved at that time and they may have I fear, quit pursuing the fix. 

You would think with all the issues and breaches they ( Equifax ) have had they would endeavor to make themselves not only a little more consumer friendly but accurate. Still to date I have not received any of the services promised to me because of their data breach. But that is another story.
Complaint sub-issue: Attempted to collect wrong amount

I paid off {$170.00} to ProCollect debt located at : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX over a month ago and even after I submitted a dispute with XXXX for reflecting that the balance is still owed ProCollect still has not updated my credit report. I was under the understanding that once I paid off the {$170.00} it would be removed from my credit and it's still reflecting that I owe them which I don't since it was paid in full.
Complaint sub-issue: Debt is not mine

Enhanced Recovery Corporation has harassed me about a debt that appears to be for a month XXXX. I have explained over the phone and by mail that I have never had dealings XXXX ( I am a long time XXXX customer ) and I have never lived at the address or known anybody in the neighborhood where the service was allegedly provided. I thought the matter was settled, but have recently been alerted to negative credit information posted by them to XXXX against me. 

This is either a case of gross incompetence or outright fraud by Enhanced Recovery Corporation ( given the large base of customers XXXX it would be easy to send out mass mailings accusing people of missing a payment and scam money from them ). I think this deserves investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

So I sent a letter Dated XX/XX/2021 tracking number # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 usc 1681. I have the right to privacy. Also according to 15 USC 6802 No financial institution is not suppose to share my information to a third party. 

These are clear violations of my federally protected consumer rights!
Complaint sub-issue: Account status incorrect

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Complaint sub-issue: Debt is not yours

This involves my account with XXXX XXXX XXXX, and new returned phone XXXX and my entire account. My XXXX account was paid in full on XX/XX/2017 for a due date of XX/XX/2017. XXXX bills a month in advance of service. I closed my account with XXXX on XX/XX/2017. They actually owe me money. My Complaint is against Jefferson Capital Systems. They are reporting on my credit file for a debt that I do not owe related to XXXX. They report this in a way that is deceptive as if it is a current item, when it is not. it is 5 years old., This is not a valid debt as I owe no money to XXXX XXXX XXXX wrongly charged me fees, taxes, phone service for a phone I returned during the first 10 day grace period and XXXX also did not credit my account for charges related to the new phone that I returned to XXXX during the grace period. XXXX failed to reverse charges for service amounts and other charges. I paid in advance and XXXX did not credit me any of the charges they added regarding the new phone and they continued to charge me for a phone I didn't have- they had it. I was't using it but they were charging me anyway. XXXX continued to charge me month after month for service and phone number even a I closed the XXXX account on XX/XX/2017 a month and half later because they were not crediting me and were continuing to bill me wrongly and incorrectly. I decided to leave XXXX because they weren't correcting this after several attempts in contacting and speaking to them. I ported my phone number to XXXX and switched providers a month and half later. I didn't have service with them after XX/XX/2017. I owe nothing to XXXX. This is not a valid debt and this is also time barred.
Complaint sub-issue: Information belongs to someone else

While checking my credit report for accuracy, I noticed some fraudulent items on my credit report. I found that I am a victim of identity theft. Someone used my personal information to obtain a student loan and to obtain a XXXX  XXXX credit card. I have tried tirelessly to get the banks to act to remove these items from my credit report but with no success. I am extremely frustrated.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act convergent : XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 604 A section 2 states consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. 

The inquiries are : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX
Complaint sub-issue: Debt was result of identity theft

XXXX 's client XXXX XXXX is an identity theft victim. Her information was used to obtain medical services without her consent. Someone living in the state of XXXX used her information in XX/XX/XXXX to obtain services with local providers for medical services not known to my client. My client at one time did live in the state of XXXX however moved in XX/XX/XXXX to XXXX. BC Services was listed on her XXXX  credit report as a debt collector. We provided a debt validation request letter to BC Service in effort to have them verify the information on the credit report. BC Service sent back account information to which my client sent an official dispute of ID theft with police report, PII and FTC affidavit naming BC Services and the related debt as an issue of true named fraud XX/XX/XXXX. On XX/XX/XXXX BC Servcies mailed my client ANOTHER letter stating they have already provided debt validation, BC Services FAILED to review the dispute information provided and by sending this communication ( concerning payment of debt ) have violated the FDCPA and the FCRA.
Complaint sub-issue: Debt was paid

This Debt was Charged of in XX/XX/XXXX with Citi. In XX/XX/XXXX it went to XXXX XXXX XXXX. They were sued by the FTC.One of the nation 's largest consumer debt buyers has agreed to pay a XXXX civil penalty to settle Federal Trade Commission charges that it made a range of misrepresentations when trying to collect old debts. In addition, the company, XXXX XXXX XXXX XXXX, has agreed to tell consumers whose debt may be too old to be legally enforceable that it will not sue to collect on that debt They still have on my credit report and increased the balance from the XXXX Charge off to XXXX.