Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

Equifax has furnished inaccurate information on my consumer credit reports violating my rights under the Fair Credit Reporting Act ( FCRA ) & also illegally reporting false information not given with my consent nor the consent of the company in which it claims it came from and with doing so, has caused great damage to my life. Causing serious financial harm & in the process defaming my name. I have contacted Equifax for over a 2 Year plus time period in relation to inaccurate public records information ( cases number, XXXX & XXXX ) being displayed on my Equifax credit report. When I contacted them in regards to my dispute of inaccurate information they furnished me XXXX as being the bearer of information given to them. I then preceded to contact XXXX in regards to this information given to me. They replied only with a automated copy of their corporate response not giving me any specific information that was requested within the timely manner given each time on my behalf. I then proceeded to still contact XXXX with potential small claims action against them & they never responded. Sending certified mail every single time to Equifax they totally disregarded my inquiry to provide accurate information or information detailing their investigation into the pubic records themselves. Neither was done. The United States XXXX District Bankruptcy court Certified a letter in response to my inquiry of them reporting any information to the credit bureaus & they replied in a certified response claiming they do not report ANY information to credit bureaus or third party companies such as XXXX nor Equifax. I still have copies of this response they sent me.Therefore if they did not get the information from the Company in which they claim is reporting it or better yet if they are illegally obtaining and using my consumer information not in good faith I immediately urged the removal. I have provided them with more than enough information in my disputes to get this false information removed and they have not honor anything I have sent them nor requested of them with my rights under the FCRA. I then Contacted XXXX XXXX Directly & after several attempts with them they finally removed this inaccurate information from their data which I also have a copy of as well. So if the credit bureau claims to get their information from XXXX XXXX XXXX XXXX XXXX has furnished a response stating they have no such record in their system as well as the actual XXXX District Bankruptcy Court stating they do not report ANY information to Equifax why is this credit bureau reporting false & inaccurate information under my name and social security number.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I'm writing about the dispute letters and documentation that I've sent and have not heard back. First letter was send XX/XX/2018 with proof of a shut down by the FTC and the paper work of XXXX  XXXX that I purchased no action. Sent 2nd letter XX/XX/XXXX, and third letter list products not received XX/XX/2018. 

Here is the and services description of products and the dispute : -Description of Services/Products : XXXX  is a business education platform. I paid and registered for a training program, sponsored by XXXX XXXX, to learn about online business practices and marketing techniques. XXXX XXXX which were 3 live training events ( XXXX, XXXX, and XXXX XXXX ), where I had to travel to XXXX XXXX or XXXX at a future date I choose to be trained and coached by the best in online marketing and advertising. Cost covered hotel stay, food, amenities and live trainings. This cost also includes continuous online training through XXXX websites and online coaching sessions that I could access whenever I want at my pace, and that new and fresh training will be posted continuously on the companys websites. I could choose any future date ( whenever listed by XXXX ) to attend the XXXX, and I could contact the coaches to receive online training via scheduling. 

-REASON for DISPUTE : I made prepayment for these services/products listed above, but I have never received ( DID NOT attend any XXXX   ) nor will ever receive in the future my goods or services due that this company ( XXXX XXXX ) has been under investigation and shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent company. 
All XXXX sites have been halted by the FTC. They have a Temporary Restraining Order and all the company and its subsidiaries have been taken over on/about XX/XX/2018 by a Receiver named XXXX XXXX XXXX. There is no way I can contact the company in good faith for a reimbursement of my money. All communications in and out of XXXX have been cut, and they are legally not allowed to handle anything like this during the investigation -Documentations : You can find more information about the company taken by the FTC at : -The Receivers name, XXXX XXXX XXXX , website at : XXXX  Specifically, the following documents ( # 1a-3 can be found at the above XXXX site ) about the case listed below : 1a. XXXX Appointment : XXXX XXXX XXXX 1. Initial Order : XXXX XXXX XXXX  2. Complaint : XXXX XXXX XXXX 3.  Temporary Restraining Order : XXXX XXXX XXXX 4. An Article on the FTC website www.ftc.gov : www.ftc.gov/XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/2013 Account Status Closed
Complaint sub-issue: Account status incorrect

I am not disputing the validity of this account number XXXX or asking you to perform any verification but rather requesting you to correct the way this account is reporting to EQUIFAX and XXXX  XXXX Please note, this account is reporting accurately on XXXX. The Current STATUS is still reporting a delinquency " STATUS '' XXXX days past due. This reporting is inaccurate as the current STATUS should reflect that this account has been PAID or Pays As Agrees. Please see the inaccurate reporting of the current " Status '' of this paid closed account on the attachment 1.Per the Credit Reporting Resources Guide, current STATUS is clearly defined as a snapshot of the account status as the last reporting and does not reflect any prior historical status. A delinquent account will show its current delinquency as the current STATUS. However, when Paid or Settled, the current STATUS is bumped to PAID ( or paid/settled for less ). It is no longer a delinquency STATUS. The current STATUS of XXXX Days Past Due is not reporting correctly. Please see the Status on the attachment 1a ) Current STATUS should and must be updated to PAID or Settled to reflect the current STATUS. If an account shows a delinquency STATUS, such as a monthly delinquency STATUS or a STATUS XXXX Days Past Due, is then PAID the current STATUS is then UPDATED to PAID ( or paid/settled for less ) and is no longer once of any delinquency but rather now shows PAID. The prior delinquency is then shifted to ACCOUNT HISTORY WITH STATUS CODES. Please see Account History with Status codes. 
2. FCRA 623 ( a ) ( 2 ) requires creditors to promptly update their reporting to show a new current STATUS of PAID ( or paid/settled for less ).

2a ) CLOSED STATUS is not sufficient to inform FICO that this account is no longer delinquent as delinquencies can continue to accrue and be reported on closed accounts.

2a ) To purposely and willfully report inaccurate accounting is a violation of the law.

2b ) Correcting the inaccurate reporting of the STATUS is an easily correctible matter.

2c ) This inaccurate reporting is causing me harm and is causing mortgage lenders to view the account as if the current STATUS is XXXX Days Past Due and has caused my mortgage scores on both Equifax and XXXX   to be significantly lower than XXXX because the current STATUS do not reflect the accurate reporting of PAID or Pays As Agreed. Please see highlighted area. 
2d ) Updating the account under ADDITIONAL INFORMATION ; Account Transferred or sold is not sufficient to inform FICO that this account is Paid and Closed under Current STATUS.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I have three transfers initiated from my key2benefits card that I never received. One on XX/XX/XXXX for {$200.00}, one on XX/XX/XXXX for {$470.00} and one on XX/XX/XXXX for {$500.00}. After the first wasnt received a filed a fraud complaint ( which was what I was instructed to do ) and they rejected it stating the funds had been delivered. My receiving bank has zero record of these 3 transactions. I have since followed up and been put on hold for very long periods of time just to get told they cant help me and dont have any way to track the money.
Complaint sub-issue: Their investigation did not fix an error on your report

Complaint against : XXXX, XXXX and Equifax. 
In XXXX, XXXX, my mortgage company, XXXX XXXX XXXX XXXX XXXX, erroneously reported to the three main credit reporting agencies that my XXXX, XXXX mortgage payment was 30 days late. 
XX/XX/XXXX, XXXX XXXX XXXX, XXXX, acknowledged the error and sent a notice of correction stating the XXXX, XXXX mortgage payment was made on time and was not 30 days late, AUD  XXXX. ( attached ) All three agencies updated and removed the inaccurate information in XXXX, XXXX. 
In XXXX, XXXX all three credit reporting agencies once again began reporting the incorrect 30 day late mortgage payment for XX/XX/XXXX. I disputed again and contacted XXXX, again in XXXX, XXXX. 
XXXX XXXX XXXX, XXXX was very helpful and acted immediately, they filed a second correction AUD XXXX on XX/XX/XXXX. ( attached ) and sent the second AUD. 
All 3 credit reporting Agencies : XXXX, XXXX and Equifax sent me notice on XX/XX/XXXX that my dispute investigation was completed and the 30 day late report was found to be accurate and would remain on my credit report. This was incomprehensible to me considering XXXX confirmed the 30 day late report was incorrect. 
I contacted XXXX again and XXXX filed a third correction stating my mortgage payment was NOT late for XX/XX/XXXX that my payment was received on time. On XX/XX/XXXX XXXX sent AUD XXXX to all 3 credit reporting agencies. 
I attempted to dispute this error for the third time with XXXX, XXXX   and Equifax on XX/XX/XXXX. Today XX/XX/XXXX all three credit reporting agencies refused to open another dispute or correct the error.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 Ay 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: Attempted to collect wrong amount

The collection Agency has failed multiple times to send me the requested documentation to verify the debt according to USC Section 809 of the FDCPA, USC Section 623 of the FCRA, and the Code of Federal Regulations 16 CFR Part 660. I have requested documentation to verify the debt in XXXX  of XX/XX/2020and of XX/XX/2020in which this company is now in violation. I did a final request in this month of XX/XX/2020   requesting the items below :

1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide complete payment history, starting with the late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. Copies of all documents and financial instruments used to pay on this debt. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants you the authority in your local State and the State of North Carolina to collect on this alleged debt, and proof of acquisition by assignment or purchase. 6. If this debt was purchased a copy of the purchase contract from the original creditor. 7. What did you pay for this account, and how did you calculate the current amount owed? 8. Finally, please provide a detailed list of services performed that represent your alleged balance of {$390.00}. Therefore, due to their lack of compliance of beyond 90days without forwarding the properly requested information I'm requesting to have the item removed from my credit report or I will obtain an Attorney for legal action.
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX  XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX Acct # XXXX, violated my rig

hts 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report
containing any of the following items of information Any oth

er adverse item of information, other than records of convictions of crimes which antedates the report by more than s even years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reportin
g agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem with personal statement of dispute

There is an eviction on my report being reported by this company XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX  AND EXQUIFAX HAS INQUIRIES ON MY CREDIT REPORT THAT IS NOT MINE : INQUIRIES : XXXX  XXXX  XXXX-NOT MINE XXXX/-NOT MINE XXXX  XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX  XXXX/XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX XXXX  XXXX -NOT MINE XXXX -NOT MINE
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX - Account # XXXX. The incorrect reporting of this account have violated my rights. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The credit bureaus are reporting this account as a charge off with XXXX late payments, which in INCORRECT. I have forwarded several certified letters to the bureaus with supporting documentation requesting a thorough investigation and they have failed to do so. This act is causing me unnecessary financial hardship.
Complaint sub-issue: Their investigation did not fix an error on your report

Date of last activity is incorrect and inconsistent between 3 bureaus. XXXX 's date is 3 months different from XXXX and the discrepancy will cause a delay in my homebuying. I've tried to dispute online and the dispute was rejected since I've disputed the account before. Prior dispute was for a different reason. I called XXXX  and they still allege the date they have reported. 

I do not think Conn 's has validated this debt with proper support. So they are in violation as well as the credit bureaus for not removing
Complaint sub-issue: Old information reappears or never goes away

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX, XXXX, XXXX  Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX XXXX, PDQ, XXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX  posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Complaint sub-issue: Old information reappears or never goes away

Vehicle disappeared without notice from creditor. I do not have any information on this vehicle on who took the vehicle or what happened to the vehicle after it was taken. I did not receive any documentation. Therefore, I would like to have the vehicle removed from my credit permanently. It is hindering my progress in moving forward. It is causing XXXX, XXXX XXXX and XXXX because I have been trying to get this resolved for years. With no resolution or answers.
Complaint sub-issue: Deposits and withdrawals

I have been a long-standing customer with US Bank and have been extremely satisfied with this bank. Unfortunately due to fraudulent activity I had to close one account and open a new one ( fraud department was extremely helpful and I appreciate it ). I submitted my new banking information to my employer to enroll in direct deposit unfortunately that is taking a while. On XX/XX/22 I deposited my paycheck and was informed by a customer service representative that the hold on my check would be released on XX/XX/22. On XX/XX/22 my account is overdrawn, I spoke to another customer service representative who informed me there was a hold placed on my account until XX/XX/22 but that I could speak with the bank manager as they had the authority to lift the hold. On XX/XX/22 I went into the branch and spoke with the bank manager who informed me the hold was placed by the fraud department and he would be unable to lift the hold until XX/XX/22. I have also been attempting to get in contact with the Regional Manager to no avail. Meanwhile my car payment will be returned and I will keep incurring fees until this is resolved. Bills are not understanding, they become due regardless of circumstance. Not only will I keep incurring fees but now my credit will also be affected because of this hold. I missed work today because I do not have money to put gas in my car. I would like this hold removed immediately. 

Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Hello, I had my installment loans and late payments deleted by the XXXX XXXX  XXXX XXXX and now my account Is in forbearance. XXXX deleted the XXXX XXXX XXXX   off my report due to the fair credit act. Equafax deleted the XXXX XXXX XXXX off my credit also but now there back on there. I have no current balance open with the XXXX XXXX XXXX nor do i have late payments open because my account is in forbearance. I will submit proof of every thing
Complaint sub-issue: Public record

Irs public Lein removed off XXXX but not off Eqifax n a car loan paid and closed in XX/XX/XXXX Also XX/XX/XXXX a {$3700.00} bill not mine handled in divorce XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

I have been attempting to fix errors on my credit report since XXXX of 2020. Since XXXX I have sent several letters to the 3 major credit bureaus asking for validation of several accounts. Since starting this journey I have not received ANY letters from the credit bureaus. When looking up the response times it states that the bureaus have 30 days to respond it has been over 75 days and I have yet to receive any notifications. I sent two letters asking for validation of the following accounts on my credit report ( XXXX, XXXX, XXXX, & XXXX  ). to this date I have not received a response from XXXX, Equifax or XXXX.
Complaint sub-issue: Information belongs to someone else

I have been contacting Equifax since XX/XX/2022 to have fraudulent inquiries removed, I have provided them with numerous sets of documents via both postal mail and fax on several occasions, including Drivers License, SSN Card, FTC Report and Police Report, they have continually assured me that the below list of inquiries will be removed, I recently received a letter from Equifax confirming the inquiries have been deleted from my report ( attached ) and upon checking they remain on my report. This is false information that is on my report, its fraudulent has been proven to be fraudulent and Equifax are not reporting correctly, the letter they provided confirming they have removed the information is a LIE and should be investigated by the CFPB.
Complaint sub-issue: Information belongs to someone else

both XXXX and Equifax have taken monthly charges for membership without giving me access online to view my reports. I have called multiple times requesting a refund for the months I was not allowed access and also advised them that as a victim of identity theft, it is my right to have access to my credit report. They have in fact told me, because I am a victim of identity theft that I will not be allowed to access online even when I paid. Neither bureaus has refunded me for the inconvenience.