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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft, and I refuse to be held for something that is not my responsibilty
Complaint sub-issue: Other problem

This company is my only credit card agency that failed to secure customers ' security and privacy. It did not implement XXXX step/factor authentication. My repeated calls, emails, secure messages requesting implementation of XXXX have been neglected and appeared to have refused.
Complaint sub-issue: Account information incorrect

I am requesting verification of information for my account. 
Please provide the following details for each credit bureau ( XXXX-XXXX-XXXX  ) 1. The Account Date Opened 2. The Final and Last date account was Updated by your company 3.The Date last payment made on account 4. The Date account sold and company sold to 5. The dates you responded to any investigation verification for any of the 3 credit bureaus 6. The credit details and information you reported and account details you reported on those dates 7. The amount of 30-60-90-120 payments reported on this account I am requesting this information for XXXX   XXXX  and XXXX
Complaint sub-issue: Confusing or misleading advertising or marketing

XXXX XXXX car max -- ran my credit report without authorization. 

On XX/XX/2019, they ask if i wanted to see how much the loan was and if I qualified. 
THey had not looked at my trade in and the sales person simple ran my credit report without my permisssion.
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 XXXX {$450.00} XXXX   XXXX {$3200.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX {$120000.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Complaint sub-issue: Debt was paid

I noticed this company attempting to collect a medical bill in XXXX of XXXX. The date of the medical visit was XX/XX/XXXX. My insurance company paid the claim submitted and then denied an additional claim for the same amount as it was a duplicate. I made a call to the company AR Resources and they advised me to email to have the collection removed and updated. Since then there has been no action and I again emailed them asking for immediate resolution and have yet to hear anything back. I am attaching supporting documentation to this complaint from the insurance company and my attempts to reach this company for resolution
Complaint sub-issue: Received bad information about your loan

I had been receiving calls for months from ECMC about bringing my student loan to current standings. Whenever I would call and attempt to work the issue out they would give me a link to a website to go to to electronically sign the papers with the last XXXX of my social. After multiple attempts at putting in my social it would lock me out. I would go through the process multiple times and explain to them the issue with no reason as to why I was n't able to log in and fix the problem. I continue to receive multiple calls a day from ECMC. Eventually I received paper work at my job for a wage garnishment. They have the wrong social security number and the wrong amount for my loan. When I called to tell them that they said y that I have to send them a copy of my social and it would take XXXX days for it to be updated in the system and in the mean time legal action would continue and I would keep receiving multiple calls daily. They could n't change it in the system or stop the harassment until I fixed their problem, their mistake. Absolutely unacceptable.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

XX/XX/2022 approximately XXXX XXXX a man left two voicemails using intimidating implications of my arrest or worse with my two elderly parents. They were so very upset and contacted me. I called the number given and gave them the case number and the lady couldn't tell me anything about the claim. She wouldn't identity the one filing the complaint and wouldn't tell me what the claim number brought up as in information to claim filed. I have not received anything in the mail about this or any telephone call.
Complaint sub-issue: Was not notified of investigation status or results

In XXXX of XXXX, I disputed several collection items with XXXX, XXXX  and Equifax. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XXXX of XXXX  and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks
Complaint sub-issue: Other problem

On XX/XX/22 I applied for a Ally XXXX XXXX and was approved. I received an email that I would get my card in 7-10 business days. After the initial 10 business day wait time I reached out concerned because I had not received my card still. The representative that I spoke with said that they were having a issue printing the cards and to give it to the next Monday and if I had not received it to call back. I waited that time frame and then some, I ended up calling that next Wednesday as I still had no card come in the mail. When I called that time the representative was not very helpful, she said the same as the other lady that my card had been shipped but she could not give me a tracking number. I told her this made me uneasy and that I was beginning to worry about the validity of their company. She stated they were having issues making the cards and this was causing issues for customers to receive them to which I said but my card is already made if it has been shipped so I am not understanding. She said that all she could tell me was what she already had and that if I wasn't satisfied she could escalate me to a supervisor which I asked her to do because I was very uneasy with how this was all going and that it sounded very scam like. She placed me on hold for sometime and finally came back and said that her supervisor would be busy for quite a while and she couldn't keep me on hold that long. She said that he would call me once he was freed up from his current call. He never called. So this has now hit my credit as an account but I am unable to get them to produce a card or account that I can use. Any communication is met with the same response and I am left back at the same place I started.
Complaint sub-issue: Other problem getting your report or credit score

I have filed several disputes and never received answers to my disputes.
Complaint sub-issue: Information belongs to someone else

inaccurate information reported to all 3 credit bureaus, submitted ftc and po reports already, over 45 days
Complaint sub-issue: Other problem

CITI credit card will not remove pending charges even after a three way call from XXXX that put three charges on card that was not autorized. It was CITI request to do three way calling they claimed that my card was a gift card and not a secured card? I am stuck paying XXXX due to false charges.
Complaint sub-issue: Public record information inaccurate

I sent letters to XXXX and XXXX on XXXX/XXXX/XXXX with information from the courts that they do not/ nor did they verify a bankruptcy. I requested information from the credit bureau asking who verified this information, the date as well as the proof that was furnished. It has now been almost 2 months and both bureaus have failed to provide this documentation. XXXX is reporting a charged-off account from XXXX XXXX that they maintain was verified. I requested a copy of the alleged contract. Also the person who furnished this information. I have not received a response on requested documentation. Equifax is reporting an account that is not mine. They stated in complaint # XXXX that the account was removed from my credit listing. The account was never removed and is being reported incorrectly. This account needs to be removed. The credit bureau continues to say that the account was verified but has yet to furnish the requested ( original contract, person who furnished information, date info was provided )
Complaint sub-issue: Account information incorrect

This complaint if being filed on the advice of my attorney who has indicated it is the last step before she files the complaint against  Macys in US District Court and is meant to reflect my attempt to mitigat e my damages.    Macys  failed to deliver a statement to the cor  rect causing a 30-day late to appear on my credit report, the only such late in a 28-year payment history.
Macys also violated   privacy laws by faxing a copy of my account statement to a fax number which appeared on a letter that was  XXXX   XXXX  directly to  XXXX   XXXX , the  Macys Chairman a nd another letter to the CEO.   I placed no less tha n 67 phone calls to the executive offices, and despite promises by three individuals that the matter would be escalated and addressed, all communication was  handled by an individual who took pride in upsetting me with her  XXXX  attitude.   In addition, this  30-day late dropped my credit score  by  XXXX  points causing a bank to withdraw an offer of a large commercial loan resulting in the economic loss of over {$200000.00} to my firm.   Macys management is a disgrace to the business world and while this company will continue to shrink, t he fact that Macys would indicate they are " reviewing '' why they sent my statement to an un monitored fax without my permission is mind numbing, especially because I am already an identity theft victim.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Complaint sub-issue: Can't get other flexible options for repaying your loan

No matter how many payments I make in addition to the extra I give them each month my balance does n't move. They say that the extra will be applied to the principle but it is n't. It 's a rip off! I had a hardship and needed to reduce my payments but can not do so because it 's based solely on my income. They knew I could n't afford to pay this loan when they approved me for it. Just like the mortgage companies with the preditory lending. These loans are designed to keep us in this long term repayment system!! I 've tried to pay but can not and they refuse to work with me in getting some type of payment each month.
Complaint sub-issue: Deposits and withdrawals

I tried to transfer out {$5.00} from my Discover savings accounts to my checking account at a different bank. I received this message, " Your transfer must be greater than or equal to {$25.00} ''. I have not had this experience with other banks savings accounts where a minimum amount is required to set up a transfer without using a bank representative. Is this allowed under bank regulations to prevent access to funds if less than {$25.00} is available?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX XXXX  Account : XXXX XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Complaint sub-issue: Their investigation did not fix an error on your report

this account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP..
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a restaurant charge at a restaurant called XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX. 

The charge was billed to me in dollars after I requested the charge to be in pesos - the local currency. The exchange rate  the restaurant charged was {$200.00} over the going exchange rate. When I asked multiple times for the correction, it was refused. I consider the exchange rate scheme to be FRAUD by the restaurant. 

I disputed the charge 5 times or more with CitiBank [ the issuer of the credit card ] and they refused to make an adjustment because they said that the charge was correct. I explained that the charge was not correct because they used a fraudulent exchange scheme. Citi refused to be helpful. I tried to reason with them and said that I would file a complaint with the CFPB and they offered me a {$100.00} settlement. I said that I would not accept the settlement because of the fact that the restaurant would get away with the fraud and that I was disappointed that the bank would not support its customer after I made the argument.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I submitted a dispute about incorrect information on my Equifax Credit Report ( Case # XXXX XXXX. In fact, this was the third time I submitted a dispute, after the first two filed disputes for the same item resulted in their removal. On XX/XX/2019, I received notice from Equifax that the disputed item has been investigated, shown not to be owed and removed from my credit report ( Confirmation # XXXX ). 

Now I have recently received notice that the disputed item, has been placed back on my credit report, for a fourth time. I called Equifax and spoke to XXXX # XXXX, who stated that I would now have to file another dispute to get it removed from my Credit Report for the fourth time. 
Even more concerning ( besides her not my problem attitude ) is that she states that each time a collection company reports the same disputed item, regardless of the fact that they know it is fraudulent, that I would have to file another dispute. Considering there are hundreds of collection agencies, it could result in hundreds of disputes being filed for the same fraudulent item. 
I am requesting that the item be removed for the fourth time and that the Consumer Affairs Division investigate Equifax for what appears to be an on going practice to extort money from people, who don't owe the money. This is exactly what the Consumer Affairs Bureau was designed to guard against. Please take action.
Complaint sub-issue: Received bad information about your loan

My federal student loans were held with Fed Loans. I submitted the paperwork as instructed for the PSLF program. However with each submission/recertification, my date for loan forgiveness was pushed back 6 months, for a total of 18 months from the original date ( XXXX XXXX  ). I was never given an explanation for why this happened, nor was the date corrected in spite of making payments on time as instructed. However now Fed Loans has been found guilty of misleading customers. I, as one of those customers, refinanced my student loans privately to prevent interest accumulation due to the dates changing. Yet I did so on false information. Now that Fed Loans has in fact been found guilty of defrauding customers, and customers are now getting credit for payments with corrections made, I would like for Fed Loans to reassume my loans so that I may have the benefit that I was promised initially.
Complaint sub-issue: Information belongs to someone else

The XXXX XXXX XXXX Date : XX/XX/2021 company made unauthorized inquiry on my personal credit report. Since I did not authorize this company to obtain my credit report, I demand that this inquiry be deleted as soon as possible and my credit score be adjusted accordingly.
Complaint sub-issue: Old information reappears or never goes away

Under the consumer finance credit laws I have 9 to 20 items on my credit report that the bureau keep recycling and all of these accounts are past the status of limitation but the bureau is reporting thes balances as recent. I am also using a credit repair company to get them off but the bureau keep recycling old accounts as new.
Complaint sub-issue: Account status incorrect

Equifax, XXXX, XXXX XXXX, and XXXX are proposing the account details of my XXXX  XXXX bankruptcy, in addition they are reporting the XXXX XXXX car agreement with XXXX XXXX as not paid off. I paid off the vehicle and am in good standing with XXXX XXXX. 

Please, fix these two issues.
Complaint sub-issue: Investigation took more than 30 days

I had mailed a letter to Equifax back in XX/XX/2021 regarding fraudulent reporting on behalf of XXXX XXXX regarding payment dates on a closed Collection account which is still affecting me negatively. I called in to Equifax to check on the status and went and filed a dispute over the phone with one of their representatives. It has been over 30 days and this has not been removed from my Credit Report nor has it been updated yet.
Complaint sub-issue: Attempted to collect wrong amount

I do not owe this debt its been over 5years on an apartment they claim I owe when me and the company went to court and the case was dismissed without judgement. They are threatening to take me to court when its over the statutory limitations/ and the issue was dealt with in 2014.
Complaint sub-issue: Account information incorrect

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Reinserted previously deleted info

XXXX was previously deleted from my credit reports due to the account not being mine. The account has now reappeared to my Equifax as a delinquent account. This account is not mines. The balance on the account is XXXX.
Complaint sub-issue: Old information reappears or never goes away

I am infuriated with the credit system we have in place. Paying off a loan should not be a PUNISHMENT and it is to my credit score EVERY TIME I PAY IT OFF! My credit score dropped XXXX points and I am struggling against it when trying to rent a new home. 

I already have a bankruptcy on my report and this is the second time doing the RIGHT THING ( Paying off my loans ) XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I am trying unfreeze/lift a credit freeze on myEquifax online but I get an error on the website and it showed a number I should call. The agent I talked to can not find my record using my SSN or personal details ( birthday/address/phone number ). They recommended that I mail them a copy of my SSN, license, address to a XXXX XXXX which I am hesitant to do. Since I was able to create my account on myEquifax and see that my credit has a freeze on it, then I believe they should be able to find my record. I hope you can assist me.