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

You are hereby put on NOTICE. 

Your credit reporting agency is reporting incorrect / inaccurate information my status of the charge off XXXX account has been filed with my 1099C and its now considered income. 

The status has changed of this XXXX account. It was charged off and I filed the 1099C and it's now earned income and income isn't reported on my consumer report. 

REMOVE IMMEDIATELY. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal purposes. Your credit reporting agency is inaccurately reporting has damaged my livelihood and my financial reputation. 

As defined, by the IRS. Even if you didnt receive a Form 1099-C, you must report cancelled debt as GROSS income on your tax return. 

The IRS clearly defines a charge off as GROSS or Ordinary Income, INCOME DOES NOT GET REPORT ON MY CONSUMER REPORT! Which in fact, makes your reporting of this account inaccurate. By definition, the IRS clearly says a Cancelled or Charge Off is income. The reporting of this account as a debt is inaccurate. I DEMAND you to Cease and Desist the reporting of inaccurate / incorrect information immediately. 

I've included and attached my 1099C on my income taxes which is now considered income. Income does NOT get placed on my consumer report. 

Charge Offs The IRS says if the amount of over {$600.00} 1099C cancellation of debt. 
I filed taxes as realized as Earned income with my 1099C. 
Income doesnt get reported on my consumer report. 
So if I got my 1099C how is it being reported as a debt. 
So if I file it as income the status of the account has changed. 
It's not debt anymore it's income I filed my taxes. If it's income it's an inaccurate account. 

According to as it pertains to FCRA is inaccurate you must take it off my consumer report. 
15 U.S. Code 1681e ( b ) - Compliance procedures | Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Note : The status has changed what you reported is inaccurate. So how is your consumer reporting agencies maintaining maximum possible accuracy when in an incorrect item. 

DELETE this XXXX account immediately. 

I demand XXXX and Equifax to follow the law. XXXX recently removed it or I will have to enforce in monetary with state attorney. 


I've also included a factual dispute chart with discrepancies : High Credit : XXXX {$16000.00} vs. Equifax {$30000.00} Date Last Active : XXXX XX/XX/XXXX vs. Equifax XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX vs. Equifax XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now
Complaint sub-issue: Their investigation did not fix an error on your report

Over the course of the last month, XX/XX/XXXX, I have been attempting to have an erroneous collections account created by XXXX removed from each of the three credit reporting agencies. This account was created on XX/XX/XXXX in the amount of {$130.00}, and is currently noted as charged off with Equifax. 

However, after many phone calls with XXXX in XX/XX/XXXX, during the creation of a new mobile phone account with them in my name, it was discovered, and stated by their representatives, to have been created by XXXX in error, and further advised that it would be deleted from my report. However, after several months waiting, XXXX has not followed through with that statement and the erroneous account remained on my credit report. I subsequently filed disputes with each agency, XXXX, XXXX and Equifax to have this removed, as XXXX had not taken appropriate action. 

As noted in the enclosed investigation findings from XXXX and XXXX, the account was clearly found to have been invalid and was deleted from my report without further question, however XXXX  has stated on multiple occasions that their own investigations have deemed this account valid and that it would remain on my account. It is unclear how two of the three credit agencies could come to one result, while the third agency remains staunchly convinced of their own completely inverse investigation results. 

These investigation results from XXXX  and XXXX  were even faxed to Equifax as proof on XX/XX/XXXX at XXXX, as shown in the attached cover letter and fax transmission confirmation. Despite this, they have thus far only updated comments on the account and subsequently reduced my credit score by 14 points, in what appears to be a suspiciously retaliatory act. 

In multiple phone conversations with Equifax ( phone numbers XXXX and XXXX on XX/XX/XXXX, XXXX ; XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX ), I was advised that " Equifax has their own investigation process '', and that I would need to obtain a deletion letter from XXXX. 

In a subsequent call to XXXX ( XXXX on XX/XX/XXXX ; XXXX ), I was advised that due to the FCRA they do not send deletion or " pay to delete '' letters, and would be unable to assist further, despite my stating several times that I was previously advised the account was created in error. 

I would like the CFPB to investigate and remove this account from my Equifax report as soon as possible. This account was stated to have been created in error by XXXX representatives, and confirmed to be an error by XXXX and XXXX 's independent investigations. I have received no assistance of any kind from either Equifax or XXXX, despite these errors being of their own creation, errors which have had a significantly detrimental impact to myself and my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account Number # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Old information reappears or never goes away

i have disputed this account multiple times with Equifax. I was told it would be deleted, but the same XXXX XXXX account continues to be re-reported under a slightly different name and amount. i am a victim of identity theft and this fraudulent account is harming me financially.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute a while back ( XX/XX/XXXX ), and another one before that ( XX/XX/XXXX ), regarding a hard enquiry ( XXXX XXXX ), that was place don my CR and I did not authorize a credit application to be submitted in my name with XXXX XXXX. I filed a complaint with XXXX XXXX, and with Equifax, and with CFPB, and nothing has been done to have the unauthorized enquiry removed from my credit report. I received a letter to date, dated XX/XX/XXXX, from Equifax showing no changes were made ( no explanation given ), and I received a letter from XXXX XXXX Dated XX/XX/XXXX stating that Equifax had been requested to remove the enquiry from my report, by the creditor, and that it would take 4-6 weeks to do so, but Equifax has not removed the enquiry, and XXXX XXXX states in the letter that it does not control the conduct of the credit bureau in removal of the enquiry, so apparently it is Equifax not removing it. I want it removed as it has lowered my credit score and will be on the credit report until XXXX of XX/XX/XXXXif it is n't removed. I have included a letter from XXXX XXXX, as well as an updated letter from Equifax that shows nothing has been done in accordance with XXXX XXXX request to remove unauthorized hard enquiry from my credit report, as it has lowered my FICO score as a result. Why do I have to continually ask that my request be honored? I have been trying to get Equifax to remove the item in questions for some time now. I 'm fixing to file suit in Federal court against all those responsible for not doing what is suppose to be done regarding this issue.
Complaint sub-issue: Information belongs to someone else

Equifax is refusing to remove FRAUDULENT information from my credit report. This is a direct violation of FCRA 605B, Equifax received my FTC Fraud Affidavits attached to this complaint on XXXX, ( 14 ) days ago. 

FCRA 605B states the following, ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt How can a consumer reporting agency blatantly ignore laws they are required to follow? Remove this information now, or I will file suit and pursue this in the court system.
Complaint sub-issue: Information belongs to someone else

I have submitted letters in XXXX 2017, XXXX  2017, XXXX  2017 .... These companies still have fraudulent information on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. I have already contacted the companies listed below and they have nothing on file under my name. 

XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021
Complaint sub-issue: Account status incorrect

On XX/XX/2020, I filed a complaint against XXXX XXXX XXXX ( XXXX ) also doing business as a part of XXXX XXXX XXXX. Please refer to CFPB complaint XXXX. As a resolve to that complaint, I requested the following : " I need XXXX to correct the error to my account to show {$0.00} balance, correct any erroneous information reported to the credit bureau ( s ), and send me documentation designating this account has been paid in full along with the title to the vehicle. '' XXXX did NOT correct the erroneous information reported to the credit bureau ( s ) which caused my credit score to drop 93 points from XXXX to XXXX. I have filed a dispute with XXXX. However, the onus should be placed on XXXX to correct the messes they have created. I should NOT be required to file disputes with all those to whom they have reported erroneous information, especially since I have no idea to whom that may be. I just happened to have the XXXX account and received notice of the error. 

Please help, again. 

Thank you!
Complaint sub-issue: Problem using a debit or ATM card

Disputes were filed for two fraudulent charges in the amounts of {$5.00} and {$800.00}, both from XXXX XXXX XXXX XXXX on same date, do not have date available to me at this time. According to live chat rep, XXXX, the dispute amount of {$5.00} was closed out in my favor. However, the additional disputed amount of {$800.00} was closed in favor of merchant. I requested copies of both notices for respective charges, the rep stated he does not have an option to resend to me. I need copies of these notices for my record and police report ASAP. If copies are not available, a letter from Citibank detailing both charges and respective outcomes will suffice
Complaint sub-issue: Account status incorrect

I settled my account to be paid in full with XXXX  XXXX around XX/XX/2021. The balance is reporting as {$0.00}, however, the account status is still reporting as " derogatory '' and I would like this to be reported as " paid ''.
Complaint sub-issue: Didn't receive advertised or promotional terms

I've opened card at citi bank branch on XX/XX/XXXX. I got their offer page for prestige card with XXXX points and annual fee XXXX as a gold client customer. I have their origin paperwork as proof. They helped me open and it was instantly approved. The banker told me she made a mistake, and the offer term got something wrong, so we went help with the citi gold manager to fix it. They confirmed me everything was fixed and I would get the right points and right annual fee rebate, however, the annual fee rebate would happen after several statements because it was a new card and the rebate would happen later. Now after several confirmation with the phone rep, I was double checked and triple checked I would have my rebate after XXXX cycle. But it did not happen, I called the phone rep again and they told me a different story, and the annual fee which citi agree on was not existed, and there was no notes from the previous several dialogue. I am frustrated that citi take back what they promised and told me that they would honour for me. Citi showed they failed to help me with the issue, and also they did not agree to do any investigation and believe I was talking nonsense. I feel sad and helpless for what citi tore away our trust.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

Last XX/XX/2021, I sent out my dispute letter to you and its been over 7 months now, and I havent received any response from you yet. As far as I know, under section 611A, you are legally obliged to respond to my dispute letter within 30 days. However, up to this day, I received nothing from you which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person and it's your obligation to fix all these errors.
Complaint sub-issue: Trouble with how payments are being handled

Great Lakes has not informed us appropriately about how income-driven payment options would allocate monthly payments for my wifes student loans. My wife has been enrolled in income-based and/or income-driven plans for student loans. We made {$1000.00} monthly payment for first year and than increased payment to {$1800.00} monthly in second year. Almost all of our payments were allocated to the interest, esp graduate plus loan payments. Therefore, our total loan payments increased by at least $ 18-20K since she graduated from the XXXX school. I have personally called them many times to pay the loan amounts in a greater portion to reduce the principal amount. During those calls, they never discussed about how we can pay on monthly basis to reduce the principal amount. It seems that greatlakes failed to discuss the minimum amount needed beyond the {$1800.00} we have been paying to reduce the principal amount. Therefore, providing very poor customer service, not looking into the best interest of the borrowers, pushing the borrowers into more debt amount. This is very unethical way of doing business.
Complaint sub-issue: Their investigation did not fix an error on your report

In correspondence dated  XXXX   XXXX ,  2017  I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Complaint sub-issue: Information belongs to someone else

XXXX XXXXXXXX XXXX.

Macy's/DSND XXXX XXXX XXXX XXXXXXXX Is a incorrect inquiry 's on my report that should not be there because I did not try to authorize this account and would like them removed!
Complaint sub-issue: Information belongs to someone else

I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

XXXX XXXX XXXX XXXX - XXXX - {$29000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I spoke with a representative of this company and I was promised that the inquiries made from 2021 would be removed from my credit reports This company never honored their promise to remove the inquiries that their representatives made to me on their behalf.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

So i reported to them and sent them screenshots of my messsages trying tonresolve charges where i was basically buying one thing and i either never received it or if i did receive it it wsd buy in no means what i ordered. They refunded 2 charges but not the main ones. I asked for there reasoning theyve failed to send me report number and any details about disputes.. as you can see from attached files i ordered items from an online auction which i either never received the items and if i did it wasnt what i ordered. So i was either charge as the website said a glitch in the auction cause as you can see. The sellers blamed it on the lag but didnt fix the issie that i was out money. Cash app didnt care. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. 
They didnt even ask me what happened. They did nothing except deny my claim.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Information belongs to someone else

Last year I discovered a false account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Complaint sub-issue: Was not notified of investigation status or results

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy XXXX XXXX XXXX XXXX / XXXX
Complaint sub-issue: Reporting company used your report improperly

I need some help this is my 2nd time reaching out, I did an investigation on my credit report which caused me to develop XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act XXXXt Account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 


has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Thank you very much for your time.
Complaint sub-issue: Debt was result of identity theft

Ive been sent a letter in the mail earlier this year I believe in regards to a debt made out to me as a result of somebody stealing my identity. Sent money to my account using the routing number and my account number and used my card to buy stuff which I did not authorize. I called to speak on it and was told Ill be called back but never was. This was I believe two years ago as well.
Complaint sub-issue: Their investigation did not fix an error on your report

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXXXXXX XXXX during COVID-19. Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our account status and not our responsibility from XXXXXXXX XXXX  during COVID-19.
Complaint sub-issue: Debt was paid

debt was paid on the telephone by original creditor and considered paid in full {$600.00} and will credit the other {$75.00} on XX/XX/2022 but debt collection still trying to collect on. the {$75.00} when original creditor already agreed it will repaid in full with thee {$600.00} amount