Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

In XXXX of this year I applied for credit with XXXXXXXX XXXX a week are two later I received a call from a lady name XXXX telling me I had been approved for XXXX. I told her I'd come in that following weekend AndWhen I did make arrangements to go in I called XXXX from outside to make sure she was correct about what she had told me bout the credit amount for me. She assured me it was correct. When I got inside she greeted me and told me to look around. I finally chose a freezer which was XXXX she went to check her numbers I was just trying to establish a credit line.When she returned she told me the credit line would be from someone else in the store Preferred lease but nothing about a change in price are anything.They tried to go up on what I had decided to get but I didn't. Now after in being hospitalize in XXXX and being late with my payment I find out that are charging me {$940.00} for the freeze.I have the invoice I was given say 's chest freezer XXXX and XXXX deliver.Now I see they're on my credit report for XXXX. So not fair. Help me please Im on a fixed income and I never would have gotten this I could have bought a freezer for XXXX at XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On or about XX/XX/2020, I submitted a dispute letter disputing information on my credit report to Equifax. Then, on or about XX/XX/2020, I submitted another dispute letter disputing the information on my credit report that was not resolved in my opinion. Finally, on or about XX/XX/2020, I submitted a dispute letter disputing the results of the investigations. I had supporting documents from the company they said that they received the information from. It was a third party company called XXXX. I contacted XXXX, they said that they did not have ANY information on me. I also contacted the court who also was to have supplied information about me. The court DOES NOT supply any information to credit reporting bureaus. I do not feel that Equifax resolve this dispute.
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting act. The list of account below has violated my federally protected privacy and confidentiality under USC 1681. 
Account # XXXX XXXX 15 U.sc 1681 section 602 A. States I have to right privacy 15U.sc 1681 section 604 A section 2 .it also states a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1681 c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following form of information any other adverse item of information other than record of conviction of crimes wish antedate the report by more seven days 15 usc 1681s-2 ( A ) ( 1 ) A person shall no furnish any information relating to a consumer to any information reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

Car loan from XXXX XXXX. They are in correctly reporting a missed payment on XX/XX/2017. Account was on automatic payment. Was told by representative they would fix it 3 years later it has not been corrected. 
Representative has not returned phone call in 3 months. This " late " payment is effective my life. 

Also XXXX has not been reporting proper score neither has Equifax. I have reached out to both companies to correct mistake they say they will but do not. 

XXXX XXXX XXXX has opening a collection on a account that was fraudulent create m Equifax has not remove it after submitting paperwork. 

Please help
Complaint sub-issue: Other problem getting your report or credit score

The Equifax website at https : //www.equifax.com ( and all pages therein ) are stylistically and programmatically broken allowing no way to access account information, review freezes/locks, file/check on disputes, and more. 

This has been the case for over a week yet Equifax is unavailable for commenting. 

They appear to be using XXXX as a customer support and ticket service judging from the number of recent tweets from general users and responses by the company. 

This can be observed at XXXX XXXX XXXXXXXX  where there is a constant stream of users seeking assistance for issues they'd otherwise resolve via equifax 's own website. 

With that said, I have been unable to file a dispute with the company nor access my annual credit report for over a week. 

How is this company still in such a position to report on and maintain critical financial histories on US consumers??
Complaint sub-issue: Their investigation did not fix an error on your report

4 items being reported exceed 7 years and do not qualify as reportable beyond this time frame.
Complaint sub-issue: Information belongs to someone else

While checking my credit report, I notice an account from IQ DATA INT'L that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/XXXX, which included a Request for Dismissal ruling from The XXXX XXXX of California. ( See attached ), again requesting that they remove the negative remarks that were showing up on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that IQ DATA INT'L is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me with this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

As of XX/XX/XXXX XXXX  XXXX XXXX updated my credit report by continuing to report a 90 day late for XX/XX/XXXX. The issue here is that all of my loans were placed in forbearance during the time that the 90 day was reported. 

Facts : Employee ID # XXXX completed a forbearance on my account that started XXXX and ended on XXXX. 

Employee ID # XXXX completed another forbearance on my account that started on XXXX. 

A forbearance is a LEGAL AGREEMENT that allows the account holder to temporarily stop making federal student loan payments. 

Later on XXXX a 12 month IDR plan was placed on my account. 

In accordance with The Fair Credit Reporting Act ( The law intended to protect consumers from misinformation being used against them ) XXXX   XXXX XXXX is not in adherence due to reporting a 90 day late on my credit file and continuing to keep reporting it even though they are fully aware that my account was under the XX/XX/XXXX - XX/XX/XXXX forbearance completed by employee ID # XXXX. 

XXXX XXXX XXXX has not provided any information that states that they will report negatively to the credit bureaus while under an approved forbearance. I have faxed in documents, called in, and emailed regarding this issue.
Complaint sub-issue: Account information incorrect

Equifax ; XXXX and XXXX should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Account information incorrect

I sent a let out on XX/XX/XXXX to XXXX, and Equifax. .Here are my tracking numbers : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have also previously submitted a complaint for the account via CFPB XXXX XXXX  However, the credit bureaus said the completed investigation, and everything was accurate. 

The account in question is : XXXX XXXX XXXX : XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 

I would like to know who they talked to? How did they complete this investigation? 

Also, I have attached a copy of the last reported bill from the original creditor which does not have the same information as what is reported on my credit reports.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Company yet AGAIN rebilled me for a transaction that I proved to be invalid!!! 
For this particular one, I emailed them proof on XX/XX/XXXX. They sent a letter out XX/XX/XXXX stating they found the charge to be valid, completely disregarding my supporting documentation showing that I was already charged for the same transaction by my other bank ...
Complaint sub-issue: Public record information inaccurate

so I disputed a bankruptcy after allot of back and forth lexis Nexis agreed with me that it should be deleted this was over 2 weeks ago and they have not updated any of the bureaus I have called several times and they each keep telling me to call each other lexis Nexis is saying call the bureaus they will update and the bureaus are saying call lexis Nexis. I keep getting the runaround and I am the one suffering from this still on my credit I just want it off asap. they both already have said it would have been off already it has not I just want this updated and removed
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Attempted to collect wrong amount

The following agency Enhanced Recovery Corporation is not bonded in the state of Texas, therefore can not legally collect debit. Please remove from my credit report and confirm this debit is not owed.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they DELETE this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. It is improper to continue reporting this account as unverified information without creating proof within the time permissible by law. Only if Equifax chose to remove the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be DELETED is : XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}
Complaint sub-issue: Information is not mine

I have filed numerous complaints with incorrect information being on my credit report. I have had to get numerous addresses removed off of my report that I have never lived at and numerous telephone numbers that I have never had. I have been disputing these same accounts for the last 6 months and they refuse to remove them. I am exhausted and I have now filed suit. I will not amend it or cancel it until they remove those items on my intent to sue letter.
Complaint sub-issue: Threatened to take legal action

A collection agency ( Escallate , LLC. ) is threatening me with a negative credit report. 
A notice was received today that I owe {$140.00} for medical services ( XXXX and XXXX XXXX ). 

The bill for the services was never properly explained just sent out to me for payment. 

I have XXXX coverage and a supplemental policy through XXXX for the XXXX service. Payments were made by XXXX and XXXX and an unexplained remaining amount billed to me. 

I never received any explanation and have not paid the unexplained amount. 

Please help me resolve this abusive practice. Thanks.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to supply proof no verifications are being one when accounts are being disputed because of incorrect information. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute. According to FCRA 611 ( a ) ( 7 ), they are suppose to supply me with the proof. On XX/XX/23 I sent in a dispute which I have attached. I just received an email update that the dispute was resolved. First off, where are the documents, second off, the results are still wrong. I know this because the account was included in my bankruptcy file # XXXX. They updated my report and the account now says delinquent instead of included in bankruptcy. If this was verified they would have know it was in my bankruptcy. The account is XXXX.
Complaint sub-issue: Account information incorrect

XXXX XXXX  reported a charged off credit card in my name on XX/XX/XXXX and continued reporting this charge off every month until XX/XX/XXXX. For those months XXXX XXXX  reported the identical information, in other words there were no updates. Yet XXXX XXXX  continued to provide updates of the identical information every month for those 6 years to the credit bureaus XXXX, XXXX and Equifax. 
I have two questions ; Question 1 : Why did XXXX XXXX  continue to update this charge off from XX/XX/XXXX through XX/XX/XXXX with the identical information, there was no updated information to provide. 

Question 2 : Why did XXXX XXXX  stop reporting this account in XX/XX/XXXX. 

I believe the reporting of identical information although there was no need to do so, was to cause me more harm knowing that the FICO algorithm would score each update of the Charge off as a recent charge off. In other words XXXX XXXX  is aware that updating a charge off from XXXX in XXXX the FICO algorithm will score that as a charge off for XXXX. Causing serious harm to my credit score.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over a month and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 30 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Complaint sub-issue: Need information about your loan balance or loan terms

I have been making student loan payments dating back to the late XXXX 's. I retired in XXXX and have requested documentation of my student loan payments made to XXXX XXXX XXXX XXXX dating back to that time. I believe I started loan payments at least in XXXX, after I received my XXXX XXXX from XXXX. XXXX. However, my current loan holder, Mohela will not allow me access to the documentation of these payments without a " specific reason '' - as indicated in an email string ( attached page 2 of 3 dated XXXX ). Since student loans have a time factor ( years in payment ) - I need to know how many years I have been in payment status of these loans. I have been requesting this information from Mohela since XX/XX/XXXXand to date, have only received copies of my student loan payments made to Mohela ( attached documents received on XX/XX/XXXX ) and not XXXX XXXX. Additionally, they have indicated that my student loans have only been in payment to them since XXXX ( see attached page 3 of 3 in the email string dated XXXX ) ). I have been paying on these student loans for decades but can not get Mohela to release these payment records to me. I hope you can help facilitate this.
Complaint sub-issue: Was not notified of investigation status or results

I XXXX XXXX am tried of reaching out to XXXX, XXXX, and Equifax and waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I am ready to file a complaint with the FTC and XXXX  because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 plus days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me. Thank You
Complaint sub-issue: Right to dispute notice not received

There is a collection account was reported to credit bureaus but did not recieve dunning notice from collection agency
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information and did not have adequate redundancies in place to prevent a data breach that affected myself along with 143 million others. They also failed to inform me immediately and I suspect insider trading occurred as a result of this. They must be held accountable.
Complaint sub-issue: Debt is not mine

I was notified by my auto insurance, XXXX, that my premiums were increasing {$120.00} annually partially due to a credit investigation by a contracted credit investigation company named Lexis Nexis. In XX/XX/2016 I was rear ended by a driver insured by XXXX insurance. All reports and actions were filed with both companies. The other driver was at fault. By XXXX I was asked to settle the claim by XXXX. They assured me that all claims to doctors and repair shops had been paid. I accepted. In XXXX I received a bill from XXXX for emergency services. I contacted XXXX and was told that the bill was never settled and to send it to them for payment. They would be suborned by XXXX. They were. In XXXX I was notified by XXXX that my premiums were going up in part because I made a collision claim. No one at the time I sent this bill to XXXX informed me that this would be a collision claim. I feel that XXXX failed to make me aware of this and also that Lexis Nexis never gave me a chance to look into this before they made a recommendation to raise my rates. This is deceptive practices to put an insurance customer in this situation without proper clarity.
Complaint sub-issue: Their investigation did not fix an error on your report

I opened a credit card with XXXX XXXX as the sales person offered a discount to do so. The charge was only {$35.00}! I had moved due to an environmental issue with our home and had mail forwarding but never received the bill to pay. I tried to pay but the account was closed due to late charges which I had never seen! I had contacted XXXX XXXX several times to pay the account off but told it was closed. I am very upset about this as it has severely affected my perfect credit score! This is the only XXXX mark on it! How terrible XXXX XXXX Citibank is! I now want a home loan and have to pay a higher interest rate because of this XXXX account! I would have gladly not opened the card if I had known how XXXX XXXX Citibank does this to people. Come to find out this is not the only case! People not receiving their statements and credit scores being affected! I am done with XXXX XXXX and Citibank. They need to be investigated!
Complaint sub-issue: Trouble using the card to spend money in a store or online

My name is XXXX XXXX, XXXX XXXX XXXX, XXXX Texas, XXXX My husband and I bought this prepaid Visa one year ago. We put {$100.00} on this prepaid Visa. We we tried to activate it we were told the company had no record of the card. We contactedU.S.Bank/U.S.Bankcorp/XXXX XXXX XXXXXXXX at the number on the back of the card, which was, XXXX, many times, but could never manage to get someone on the phone. After many frustrating months, and numerous phone calls We managed to speak with someone who informed us that the card had a {$0.00}. We weren't able never able to even activate it much less use it and again were told there was nothing they could do. The card value was {$100.00}, and is currently valid through XX/XX/2021, as stated on the front of the card. We are asking that CFPB please make others aware of this problem to prevent this type of fraud happening to anyone else! And, if in the process, CFPB could assist us is receiving our money back, we would be very grateful! Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas XXXX
Complaint sub-issue: Account information incorrect

On XXXX18, Equifax File number XXXX investigation was completed and informed me that the account has been verified belonging to me. The account in question is XXXX XXXX Credit Card. This information is inaccurate due to the fact XXXX XXXX no longer owns this account, and the account is currently owned by a collector by the name of XXXX XXXX. In addition, The account originated from XXXX XXXX, which has was previously removed from Equifax which makes it impossible for 100 % accurate verification to have been performed. Equifax has failed to provide reasonable determination and 100 % verification regarding this account.
Complaint sub-issue: Debt is not yours

XX/XX/2020 received a bill from LJ Ross stating that " XXXX '' owed {$870.00} to XXXX XXXX in XXXX Michigan. 
XX/XX/2020 Sent a certified/ return receipt letter stating the charge is not mine, my legal name is XXXX , I have never lived in Michigan , I  have never had an account with XXXX XXXX and asking for amount of alleged debt, full name and mailing address of original creditor, documentation that they have verified that I am legally liable for this debt and a copy of that judgement and documentation showing that they are licensed to collect debt in Washington State. 
XX/XX/2020 - Letter was delivered to LJ Ross and signed for by XXXX XXXX XX/XX/2020 - Received a letter for LJ Ross stating that XXXX owed money to XXXX XXXX, a copy of an energy bill from XXXX Michigan and nothing proving their claim that I owe this debt
Complaint sub-issue: Account status incorrect

My Student Loan is now current, however its still says delinquent and its affecting my credit score. My wife and I have been saving to buy our first home and my score is reflecting the delinquents. Please make it current so that I can move forward with providing a home for my family.
Complaint sub-issue: Information belongs to someone else

I have never given written consent to any company to furnish a consumer report on my behalf.