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

For the last 8 months I have been trying to get inaccurate information corrected and updated on my two XXXX accounts. These accounts are showing I was 120 days past due in XX/XX/2016. I have sent copies of my entire XXXX  payment ledgers I received directly from XXXX that validate i was never past due. Each time Equifax has said these accounts are being reported accurately. That is impossible as 1 : the payment ledgers I have submitted are directly from XXXX. I contacted XXXX to ask why they are reporting the late pays as accurate to which they responded they do not respond to disputes once the loan is paid off. I have asked Equifax on three separate occasions to tell me the manner of investigation and to send documentation they received from XXXX that made them disregard the Ledgers I sent to them I received directly from XXXX - Equifax has failed to send this.. 

I also have a collection placed on my Credit Report I sent Equifax a copy of the the letter from the collection agency that said the account is to be deleted XXXX to from my credit report - I sent in the letter and XXXX would not delete it. I asked the Rep at XXXX why this wasn't being deleted and the response was its illegal for XXXX  to remove items from a persons credit report. They are in possession of the letter stating it is to be deleted and are knowingly & willfully keeping inaccurate information on my credit report. 

I don't know what to do or how to get Equifax to remove this inaccurate information when they are in possession of my entire payment history with XXXX and XXXX  is communicating they are not confirming the information as accurate and their right out refusal to remove a collection account when they are in possession of a letter from the furnisher stating it is to be deleted except to seek legal action against Equifax. 

Equifax is in violation of the CFRA and I will be seeking legal action against them
Complaint sub-issue: Didn't receive advertised or promotional terms

I had a Citi account closed without my knowledge or consent in XX/XX/XXXX. I had received an offer for XXXX bonus miles for opening a Citi AAdvantage card in XXXX XXXX. I had called and confirmed with a Citi representative on XX/XX/XXXX that the account closure would not disqualify me for the bonus I was being advertised. I was ensured that it would not disqualify me. The representative left specific notes about our call referencing the offer. I followed up on XX/XX/XXXX as I did not receive the bonus offer as of yet. The representative I spoke with was easily able to track down the notes from my XX/XX/XXXX call and, after reviewing the notes, reconfirmed that I would be eligible. She submitted a request for an investigation. I received a letter dated XX/XX/XXXX that stated I would not be awarded the bonus points advertised to me and promised me. I followed up on the letter today, XX/XX/XXXX to attempt to resolve this issue. I am now being told no record can be found of the XX/XX/XXXX call and that I would not be eligible. 

I attempted to contact XXXX XXXX, the VP responsible for the AAdvantage credit card program, at Citigroup on XX/XX/XXXX as well and did not receive a reply.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I advised XXXX  and Equifax that I was a victim of identity theft during Covid 19 and I have lived in XXXX XXXX, NV only in Texas all my life Account Type Collection Department / Agency / Attorney with a Balance of {$4200.00} from XXXX XXXX XXXX creditor : XXXX XXXX XXXX NV and placed on my on XX/XX/2020, I requested that XXXX  and Equifax provide with methods used to verify that this account belongs to me which they did not this account is a fraudulent account on my report and should be deleted immediately and not sold to any other collections agency that I do not have a contract with this information is not accurate and they should report accurate information only but I find that most of the time they do not and therefore are not protect the consumer I have worked and lived in Texas all my life
Complaint sub-issue: Their investigation did not fix an error on your report

I have an account with XXXX that has now been closed for over 2 years. Ive attempted to contact XXXX and pay the outstanding balance, to no avail I was told that the account was moved to collections. So I contacted the collection agencys phone number XXXX once I got ahold of a rep for this agency I was told that the account is so old that I can not pay the balance and he can not help me pay off the XXXX $ balance. After that I filed a dispute with XXXX  and they did nothing to help my report or the situation. Ive tired every route.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX account number # XXXX has violated my rights.

15 U.S.C 1681 section 602 A states that i have the right to privacy 15 U.S.C. 1681 section 602 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  A - Account # XXXX-XXXXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Reporting company used your report improperly

The creditor Klarna is misleading consumers with the option to pay for an online purchase in installments using a card and asks for address, date of birth and without consent or warning attempts to pull your credit report ( which mine is locked ) and then declined the purchase with the reason " report is frozen with XXXX  '' How can Klarna even verify they have accessed the correct report with having provided them a ssn. Its very misleading and there should be a disclaimer so consumers are well aware. Had I known I would not have entered my information. They are acting as though this is a buy now pay in 4 payments like XXXX and that is false. See supporting screen shots.
Complaint sub-issue: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A )., I am sending a complaint today XX/XX/XXXX to request that the account US BANK XXXXXXXX Balance {$0.00} ( Date opened XXXX XXXX, XXXX ) which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. This account was closed, paid as agreed and past due was XXXX  but still reporting 30 days late specifically XXXX, XXXX.
Complaint sub-issue: Account status incorrect

I had a charge card with XXXX XXXX XXXX XXXX card number XXXX XXXX XXXX with a {$4600.00} balance that was charged off. I attempted to settle this debt with XXXX XXXX but was told the debt was " cancelled ''. They sent me a XXXX ( which I have attached ). A cancelled debt that I am unable to pay can not remain on my credit files. I can not be held in jeopardy for something that I am unable to correct. 

I disputed this with Equifax, XXXX XXXX and directly with XXXX XXXX and they left the item on my file.
Complaint sub-issue: Debt is not yours

Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. 

EOS CCA / XXXX XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. 
I've been asking for verification for 6 months. 

They replied twice. OnXX/XX/XXXX the letter stated " based on the information in our records this letter serves as verification. '' The second letter which came days later was a settlement offer {$560.00} from {$800.00} plus all three credit bureaus are come back verify without any documentations besides there company letter stating verified. 

Please help me.
Complaint sub-issue: Debt was paid

I had service with XXXX XXXX a few years ago. We decided to go with another compan XXXX XXXX which is now spectrum. Myself and My adult daughter took all the equipment to the store at Located in : XXXX Mall Address : XXXX XXXX XXXX, XXXX, OH XXXX Which has now since closed. All the equipment was returned as it was not longer needed. Now something shows up on my credit report almost 4 years later stating I owe this. I do not owe this, all items were turned in. I did a dispute with the credit reporting agency and it came back the company stated I owed this debt. I have contacted XXXX XXXX directly and of course no one can help me. The store is now closed, but this is not a valid collection. I returned everything to the store directly with a witness.
Complaint sub-issue: Personal information incorrect

Inaccurate information on my credit report.
Complaint sub-issue: Account information incorrect

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : Placed for collection:XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX Loan Type : DEBT BUYER **This company is reporting on my credit report that I reaffirmed this debt. This is incorrect and they are violating HIPPA rights with this misinformation. 
Placed for collection:XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX This company is reporting that this account is correct and is not consistently reported across the three credit reports. This debt is incorrect and needs to be removed. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please Delete Telephone numbers that do not belong to me as well.
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current employer is XXXX XXXX, XXXX XXXX XXXX. I am a victim of ID theft, I was going over my credit report and discover that someone has been using my personal id to open up accounts for credit and business. The following addresses are not mine please delete remove them from my file : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX , XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX
Complaint sub-issue: Problem with customer service

Can not get through to a person and when I do I am given the wrong information.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... AVANTE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXXXXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted the said company to dispute account and was sent paperwork to fill out a fraud report. On XX/XX/2015 this account was opened without my knowledge. In the amount of {$3100.00}. I didnt authorize this account. I didnt purchase anything ever from XXXX XXXX XXXX. Ive had only one phone company for 15yrs and that is with XXXX not with XXXX XXXX XXXX or XXXX.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax about XXXX having an unauthorized inquiry on my report and also having incorrect addresses on my report. They have had ample time to investigate as I have been asking for them to remove this data since early XXXX. Please urge them to remove this incorrect DATA please.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXXs listed on my credit report. My loans have been consolidated with XXXX XXXX since XX/XX/2014.
Complaint sub-issue: Not given enough info to verify debt

Threatening to report to credit agency amount in dispute. I have asked the the debt collection agency what the amount due is for and they tell me to call the hospital. Since they have no billing info there is nothing I can call the hospital about. Spoke to Supervisor XXXX XXXX, on XXXX/XXXX/15 who said he would contact hospital and find out what the amount his office is billing is for and call me back on Monday XXXX/XXXX/2015. A week later and he still has not called. I tried to call him today and was unsuccessful in getting him to the phone.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

FICO PROBLEMS ... .FILLED OUT ONLINE FORMS TO REMOVE ITEMS FROM CREDIT REPORT FROM XXXX XXXX WHEN IT WAS SUBMITTED, THEY SAID CAN NOT SUBMIT AS IT WAS DONE ONCE BEFORE..THE FICO IS KILLING POOR PEOPLE. ALL THREE REPORTING AGENCYS ARE CHANGING DATES BY PINGING OLD CLOSED CONTRACTS. IF YOU CAN NOT SUBMIT AN ITEM FOR CHANGE OR REMOVAL, THEY ARE IN CONTROL OF THE GOVERNMENT AS WELL AS THE BANKS. 

ALL THREE REPORTING AGENCYS WILL NOT VERIFY CREDIT ACCOUNTS WITH CREDITORS. THEY DO NOT HAVE THE DOCUMENTATION REQUIRED.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX {$550.00} XXXX XXXXXXXX {$720.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$1100.00} XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX {$870.00}
Complaint sub-issue: Problem cancelling or closing account

Company ( Equifax ) auto-debited a credit card they were not authorized to use for an annual subscription on XXXX/XXXX/2017. When I called to terminate on XXXX/XXXX/17 when I noticed the charge, they refused to refund the full amount of {$190.00} ; instead offering a prorated refund of {$160.00}. When I disputed this, they indicated they could choose when to terminate and selected XXXX/XXXX/2017 and were due the amount between XXXX and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have items that apparently showing back up on my report that was included in a bankruptcy. and the items that was charged off was paid through another company i asked XXXX which is the credit bureau to remove the items and they refuse to telling me it will remain on until years ahead which to me I'm not being treated fairly. 
Equifax is also another company which is refusing to remove items as well that was included in my bankruptcy these were closed and a letter was sent stating that they had no authority or permission to place my bankruptcy on my file. this is destroying my life i can't move forward with anything because of it. it was gone and years later things pop back up on my credit. These Credit Bureau companies don't know that we as people have rights too. i will continue to pursuit these companies until they are removed.
Complaint sub-issue: Frequent or repeated calls

This company AllianceONE is non stop calling me and others they found numbers to that are related to me and they were sending the debt " owed '' to a address that does not exists. Once I contacted them I gave them the CALIFORNIA address and they conned my mother into paying. ( I DO NOT RESIDE IN CALIFORNIA ) All while I had the ticket and all documents submitted to the court house showing my hardship and my health condition. Once again they started harassing me saying I " owe '' more debt. The employees are rude and tell me I HAVE NO OPTIONS literally saying TOO BAD I HAVE NO CHOICE BUT TO PAY. I already suffer from XXXX and XXXX  and these company is SERIOUSLY THREATENING my health even more. I not only reside in a different state, but them threatening to take my license, send me to collection, BASICALLY telling me they dont care and my HEALTH doctors appointments and COVID are beyond cruel and inhuman. This is abuse.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX dba CEO of XXXX XXXX obtained and used affiant 's credit report for purposes that aren't allowed by law- FCRA and FDCPA permissible purpose. Hard inquiry, and Illinois State Constitution right to contract and privacy. Parties to this matter not permitted by law are XXXX XXXX dba CEO of Equifax and XXXX XXXX dba CEO of XXXX  Several attempts to mitigate this issue and have this hard inquiry removed is to no avail.
Complaint sub-issue: Reporting company used your report improperly

In Convergence with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX original creditor ; XXXX XXXX. 

XXXX The companies above have 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: Information belongs to someone else

XXXX XXXX promised to delete the COLLECTION from the credit upon payment. The account was settled on XX/XX/28 and the collection is still reporting on my credit. Please delete the collection in its entirety as promised Also ACIMA CREDIT was settled and yet the company didnt update the account as paid.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is not following the FTC, they are still not taking credit inquiries off that have solid proof that I did not authorize the companies to ran my credit. I am trying to purchase a home and the loan officer wants these hard inquiries off. Equifax is refusing and I need help because they are going against the law and not doing what is right. 

There are several inquiries on my credit report that need deleted immediately.
Complaint sub-issue: Account information incorrect

I received a car loan from Carmax XXXX XXXX and they have inaccurately reported many late payments on my account, as well as reporting other dates and payments wrong. My XXXX report has a different closing month of the account along with an extra month of payment reported. My XXXX report has a different late of last payment then the other reports. Even though the date of the last payment was reported on XX/XX/2017, they still reported account 30 days late for that month. XXXX reports a different date for last payment, but there isn't even a payment made for that month, the last month shows XXXX of XX/XX/XXXX. Most importantly I have obtained a full payment history from the Carmax website and it Cleary shows how I made payments every month they are reporting me late. Even the date of my last payment from their website is different than the report on my payment history. 

The problem is most of what this company is reporting is false, and even the information they keep on my account is different in different places. After speaking with them and trying to understand the payment history and how it could be reported late they couldn't provide me with any information and just said " This is what we have on our file ''. My records, which I obtained from their own website, is different then the information they have. Doesn't even seem possible. And They are reporting false and different information to each credit bureau.