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

I have sent information to XXXX on several occassions regarding a home that I sold in XX/XX/XXXX.They corrected it and then it appears back on XX/XX/XXXX .report # XXXX. They ( XXXX ) states that a creditor received a deed ( CRD  ) what creditor.Foreclosed I have never lost a house as XXXX XXXX XXXX was paid and also requested XXXX  and to take the word Foreclosure off my record. That was done by XXXX   XXXX  @ Executive Mortgage Complaints Office of Executive Complaints XXXXXXXX XXXX XXXX, ( see attached ) .Voluntary Surrender ( What ) as I have never volunteered anything. Repossession ( What ) I have never had anything repossessed ( paid by creditor ( WHO ) Insurance Claim ( WHO ) The only Insurance Claim I had was an illegal tenant that XXXX  and a joint company paid. The following jury trial I was awarded XXXX.I have never filed any claim against the government that I know of.Defaulted on Contract of ( What ). None of these current accusations have appeared in the past so what prompted all of this was it because I am involved in a Class Action Lawsuit.They show Collection ( What Collection and what time and date.Charge Off by who was it XXXX? ) for a tail light? .They say too many Inquires well XXXX   requested 4 times and 4 times for what as XXXX had a freeze on my account on XX/XX/XXXX that caused me not to be able to purchase a washer and dryer at XXXX XXXX on XX/XX/XXXX reference number # XXXX. XXXX XXXX phone # XXXX. ( XXXX I don't and didn't ask for this so why didn't they take the time to call when these inquiries are lowering my scores.The Collusion of these reporting agencies and the consumers inability to talk to someone should be curtailed. The Internal Revenue request and XXXX  says that they have no number. Come on The IRS.And XXXX  Inquiry on XX/XX/XXXX for what?.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Nothing! I tried to find out information on who, and why they were on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Countless times I have disputed items on my consumer reports. All three companies investigate and then they just take for the word of the actual company that is verified as accurate. None of those accounts are accurate. I have several companies that says that I owe thousands of dollars but Ive never ever had an account with them. Im not sure where theyre getting this information to say that I have, and they have addresses that are listed and those accounts and those addresses are not mine. Ive never lived at any address in Kentucky  and Ive never lived there any other address in Indiana, Texas, California, Maryland. I have lived in Ohio  all my life but there are three particular accounts that they take off my credit report because they figure out theyre not mine and the company adds them back immediately days later. This is causing me a lot of money to keep doing this over and over for over 10+ years and I need a series fix.
Complaint sub-issue: Information belongs to someone else

I had my purse stolen several years ago and filed a police report then. I noticed accounts and inquiries being opened in my name so I filed a report with the FTC and submitted another police report to help remove some of these fraudulent inquiries and accounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2019 Jefferson Capital Systems address XXXX XXXX XXXX. XXXX XXXX MN XXXX phone number XXXX. I was transferred four times! I was talking with a XXXX, XXXX, XXXX and the first lady I couldn't hear her very quick speech. No one could give me a fax number everyone had the same speech " that they used to have one ''. Im unsure about company 's they're working in an office no email no fax number. How do they stay in business. People cant get documents or anything more from clueless employees. We have the rights to send them this. I hate that I have to get on here for someone to get this out to this sad company that can't give out information that should be posted on paperwork on a website something. I have never received anything from these people. Never heard of them until I look at my credit report.
Complaint sub-issue: Was not notified of investigation status or results

XXXX  Equifax and XXXX  are all reporting multiple inaccurate information about me via my credit reports. I have sent them multiple certified mail pieces and called multiple times, seems to have a problem providing me with how they are verifying any accounts. my credit was hacked and i have been trying to get them to cooperate
Complaint sub-issue: Debt is not mine

XXXX charge me for service and product for that they erroneous duplicated. They sent me XXXX modems and XXXX different phone numbers. XXXX I used for year and half and other modem I sent back. I have tried to get this corrected since the service started om XXXX of 2013. They claimed I owe them {$350.00} for service I never had.
Complaint sub-issue: Delay in processing application

Pnc would not allow for my account to link! Its my money and my account, so I should be able to link my account to a card if I choose to.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2019 my sears and XXXX credit card statements were being sent to another address. I did not move and i do not know how this happened. I am worried i may be a victim of fraud or identity theft. I would like to know HOW this information was changed
Complaint sub-issue: Transaction was not authorized

After I notice my account was charge a wrong amount. I contacted the fraud number write away to let them know. I was told that a affidavit will be sent to my house. Fill it out and send it back as soon I can. I never gotten it and the XXXX was taken out again after a temp credit. No advance notice and no affidavit was ever receive. I did call to asked for another one sent out. Again never got one. I the file a complaint and with so many word. I was told now its because its past 60 and they are within the federal law and banking guide line. So as a bank member I did what I was so posed to do. The executive representative told me over the phone in the branch office of PNC. It was not going to be refunded .I believe it to be wrong and fraud on the behalf of big lot and PNC XXXX 
I even offer a copy of the recipe to the bank. At first they said they cant read it. Then it didn't matter. 
Thank you for your help in this matter My phone do not work write now
Complaint sub-issue: Reporting company used your report improperly

I already sent a validation of debt and creditor letter to these accounts which are violating my federally protected consumer rights. XXXX XXXX [ XXXX and Equifax XXXX, XXXX  XXXX XXXX XXXX [ XXXX and Equifax ] XXXX XXXX  XXXX XXXX XXXX XXXX XXXX [ XXXX and Equifax ], XXXX XXXX, XXXX XXXX  XXXX. Under the Fair Credit Reporting Act and HIPAA Privacy Rule, these accounts listed above have violated my rights. According to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Especially this account XXXX XXXX it is inaccurate and appears multiple times in my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have 4 XXXX student loans that are still being reported " past due '' after 2 months of being paid. Equifax and XXXX refuse to update these accounts and show paid as agreed or atleast current. Please help me this is killing my credit
Complaint sub-issue: Was not notified of investigation status or results

Hello my name is XXXX XXXX and on XX/XX/2021 I submitted a letter to the credit bureaus requesting that they verify some unrecognized inquiries listed on my credit report. According to law the bureaus have 30 days to investigate and if they do not investigate the items are to be removed from my credit report. As you can see I have been waiting for the investigation results for OVER 2 months. I ask for your assistance in encouraging the bureaus to abide by the laws.
Complaint sub-issue: Debt is not yours

job number XXXX inv # XXXX {$2700.00} previously I had a balance of XXXX and its been going up as I don't take care of it but I am not paying something that I don't owe!! people from XXXX knew my panels were never turned on!!!!! and yet they want money from me I tried taking care of this issue but it seemed they still want to steel my money they are harrasing me and my husband and even my sons they need to stop and now we received call saying to just pay {$500.00} and everything will be closed and some other representatives say pay XXXX and close account!!! I'm tired of them calling me and asking for money I don't owe at the same time being how could I have paid sp much electricity thru XXXX XXXX  XXXX and still owe them too why in the world would I think I OWE THEM! if I have paid my electricity bill thru XXXX XXXX XXXX I need a perfectional investigation to help out and see we are willing to pay them what is real owed to solar city if panels where on for what period of time and an explanation of why we stilled paid XXXX XXXX XXXX and if I need a reimbursement from XXXX XXXX  XXXX back. if you can see I did a claim already and nothing worked! you will find the original statement and balance its not fair to be harrassed like that and pay something you now you just don't owe! reasonable for the time fram saying that panels were on for what they said is $ XXXXNOT {$900.00} OR WHAT THE LAST LETTER IS ASKING FOR. 
nothing was explained thru them everything was more of a hurry to get us screwed in its all supposed to be for a better benefit and saving not money Steelers. they say we need to have panels remove they can come take them away anytime!! if they are just on top of my house for no use never turned on or anything wont make a difference but if they are will to do things right and turn them on and start fresh the correct way a company should specially them being such a big company I have neighbors that are also dissatisfied with them as well.
Complaint sub-issue: Their investigation did not fix an error on your report

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the inaccurate information from these accounts : XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I called the Equifax in reference to an account that was double reporting on my credit file, was inaccurate, was not mine and was past the statue of limitations in my state ( confirmation # XXXX ). I was told that the account was incorrectly reporting double and that the agent would dispute it and that I would be contacted about the results. As written in U.S.C. 1681i ( a ) ( 1 ) ( A ) " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... '' A reasonable investigation was not completed. I was not informed when the investigation was complete until I logged in and check the dispute results myself. Upon login I discovered Equifax had completed the investigation on XX/XX/2022, which was one day after the investigation was initiated. 

I did not receive anything in the mail explaining the procedure or notifying me that the investigation was complete.
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. US DEPARTMENT OF EDUCATION # XXXX XXXX,

has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. These are clear violations of my federally protected rights under the FCRA.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I hope you're doing well! I'm reaching out because of a dispute that has been challenging to resolve. I have been a Citi customer for years, but they have been incredibly difficult and frustrating to work with on a dispute that has taken 4+ months and counting. I have received contradictory information throughout the process.

I'm not sure who to trust ; the merchant has told me repeatedly that they approve the refund and yet behind the scenes, is telling Citi that they can not. Citi has charged me for this Covid test that I did not receive, despite assurances that they wouldn't. I would really appreciate your help. Below is the relevant documentation and some brief context, as the email exchanges are quite long. 

-- -- I have attached the relevant documents. As brief background, I went to get a paid covid test for {$150.00} on XX/XX/XXXX at XXXX in XXXX XXXX XXXXXXXX. Since, then : - When I reached out to XXXX initially on XX/XX/XXXX, they told me that they processed this refund on XXXX ( " XXXX  refund processing '' ) - When I didn't see anything returned to my Citi credit card, I reached back out to them ; they told me that they do owe me the {$150.00} but are unable to process the refund on their end due to XXXXXXXX XXXX policies and requires the dispute to close in order to do so - I shared this documentation with Citi to resolve the dispute, but Citi closed the dispute in the merchant 's favor - When I called Citi customer service to get more context, they advised that I should never close the dispute and have their team reopen and resolve it ; they advised to get in writing that XXXX approves of the refund and send that in, which I did ( " Proof of refund approval '' ) - Despite reopening this dispute, the dispute was againresolved erroneously in the merchant 's favor ; today, I received a letter from Citi today saying that they are " unable to continue your dispute as we have determined the merchant is unwilling to issue a credit '' ( " Citi denial '' )- I have just sent another email to Citi asking for them to resolve this
Complaint sub-issue: Information is incorrect

Credit,, they report I have numerous Alias names which is not correct. I have never ever submitted an alias name from my name I 've always used my one and only name I was born with that is all. I have received mail with wrong spellings and wrong names but I have never ever ever tried to use an alias never have never will it wo n't happen but yet when companies look at my background it looks like I 've been using many aliases and it looks like nefarious scandalous activities. I want that information to be correcting it taken off
Complaint sub-issue: Account terms

I received a credit card thru XXXX, and transferred a balance from a XXXX XXXX account to the new XXXX card. However, in my EquiFax credit report, they show the new XXXX balanxe, but did not deduct the transfer amount from my XXXX XXXX account. So it appears as though I owe apx {$3800.00} more than I actually owe.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been battling with Equifax for roughly 60 calendar days about inquiries that I have no knowledge of thats showing up on my credit report. I have emailed several high ranking officials of Equifax countless times, I have called tons of times, and I even sent in letters in which none was received allegedly every time. This is becoming very tiring and starting to be daily slap in the face as I try to use all avenues to force this company to do their job and remove these inaccurate items. I have a total of 10 inquiries that I would like to be removed immediately.
Complaint sub-issue: Funds not handled or disbursed as instructed

My bank money lion/roar money banking is my current bank Im using. I had both my state and federal return direct deposited into my account. My state went through just fine but when my federal that was about XXXX deposited they locked my entire account. I called the customer service to see what I could do and they said I needed to get a notarized statement from the irs along with a copy of the irss state issued id card saying that was the correct amount. After calling the irs they said it was impossible they dont do that and that the deposit is coded so the bank shouldnt have had a problem with it. I returned to calling my bank and then just repeating there was a specialized team handling it that they refused to let me speak to. I asked to just have them refuse the deposit and close my account and they said they couldnt do that even though in their contract that I signed when opening the account stated I could at any time for any reason. This bank is refusing to resolve the problem and holding on to all my money not just the suspicious deposit for an unknown amount of time. I would please like help with this situation and honestly would like to suggest this bank establishment be investigated as a whole. I have video evidence of the way they were talking to me and refusing to help
Complaint sub-issue: Account information incorrect

This company is still falsely reporting payments made in am attempt to extend the life the loan on equifax credit report. They are reporting that a payment was made XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT, in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act. 

Your company responded with " We are not reporting payments made on this account. The last payment we show reported was XX/XX/XXXX. She has disputed this account several times but we are reporting what our records indicate. '' Yet equifax is reporting payments made, as EVIDENCED BY MY CREDIT REPORT. Equifax does NOT report payments made UNLESS THE COMPANY CALLS TO REPORT IT!! Therefore im seeking legal counsel and start the process for a class action lawsuit And it was bro7ght up directly with XXXX and i showed him my credit report and he laughed and responded " oh i dont know how that happened '' EITHER FIX IT OR A CLASS ACTION SUIT WILL COMMENCE.
Complaint sub-issue: Personal information incorrect

I have a late payment showing on my credit report that doesn't below to me. XXXX XXXX authorized User account. This is a closed account that I am not financially responsible for please remove the negative item immediately. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Account status incorrect

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past XXXX Days before but I still didn't receive anything from Equifax. Per XXXX, without any response for XXXX  Days after disputing my accounts should be considered as deleted or removed. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00}
Complaint sub-issue: Information belongs to someone else

There is a credit inquiry from XXXX XXXX XXXX on my credit file ( from XX/XX/2019 ). I did not request any account openings with XXXX XXXX XXXX or their affiliates. XXXX XXXX XXXX assured me no accounts are opened or have attempted to be opened in my name. I was also out of the country when the inquiry was conducted so it is clearly an error. There is no suspicious activity regarding my identity or credit at this time. 

I have asked Equifax to remove this multiple times. The first time they denied it stating I needed to file a police report for identity theft ( but my identity was not stolen ). The second time they have not gotten back to me ( after 30 days ) and continue to " look into '' the problem.
Complaint sub-issue: Their investigation did not fix an error on your report

The mortgage was under going litigation with the permission for a payment plan from PNC. They marked each of the payments under the payment plan they offered late. Upon seeing the shady business practice the mortgage was paid off in full and they refuse to correct the mistake they made by marking as late.