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

Circa XX/XX/XXXX, I originally wrote to the company Equifax in regards to disputing/verifying several collection accounts that were being reporting in my credit file. Some of the disputing accounts included XXXX XXXX   reference number XXXX and XXXX XXXX XXXX XXXX reference numbers XXXX and XXXX. 

Equifax responded by writing back to me stating that the account belonged to me. I then responding back by writing them back on XX/XX/XXXX to inform Equifax that the accounts had been investigated and deleted/removed on my other credit reports. The investigations from the other credit bureaus resulted in the accounts being removed/deleted. Supporting documents were provided as proof that the accounts had been investigated. After 30 days the accounts were still being reported in my credit file. I then wrote Equifax again on XX/XX/XXXX requesting their method of verification for the said accounts. Please note that Equifax at no point in time ever provided me with any account-level documents to verify disputed accounts. Later Equifax begin reporting another account XXXX XXXX  XXXX reference number XXXX**, be advised that this company XXXX XXXX XXXX never provided me an initial notice of debt. I disputed this account originally circa XX/XX/XXXX ( see. Attachments ). I also requested method of verification from Equifax for this account on XX/XX/XXXX after Equifax claimed the account was verified ( see. Attachments ) but no verification was ever provided to me. 

I then requested that the disputed accounts be deleted from my credit file immediately. It has now been more than 30 days from my last dispute correspondence with Equifax. Please be advised that Equifax has not responded back within the 30 day timeframe and is not in compliance with the FCRA guidelines. Also I request that CFPB step in as a liaison to assist in resolving this matter. 


I request that Equifax comply with the FCRA, by removing this aforementioned inaccurate unverifiable accounts from my report. These accounts are incomplete, inaccurate, and unverifiable. I have given Equifax more than 30 days to produce documentation to verify the account. In that time I provided documents showing that the accounts were investigated and deleted with other bureaus. Please be advised that all supporting documentation will be unloaded to support this complaints. This will include letters to Equifax, and copies of certified USPS receipt,
Complaint sub-issue: Reporting company used your report improperly

I have disputed these negative items and inquires multiple times. The information is incorrect and not accurate. The dates open and amount are different. All three Bureaus are reporting different information. I contacted the creditors several times. My personal information I provided did not match.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX {$18000.00} DEPTEDXXXX   XXXX {$2200.00} DPTEDXXXX XXXX {$3000.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX   XXXX {$6000.00} DEPTEDXXXX  XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$2100.00} DEPTEDXXXX XXXX {$1500.00}
Complaint sub-issue: Charged too much interest

The card I have a problem with is called Citi card. They will not lower my interest. They said this is because of my debt to ratio. I need some relief from these credit cards. If someone could help me, I would really appreciate it. 
XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX   XXXX   XXXX  is reporting that payments of {$320.00} on the months of  XXXX ,  XXXX ,  XXXX , and  XXXX  all as being 30 day late.   A formal debt validation request was sent out to  XXXX   XXXX   XXXX  on the dates of  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  with no response.   Calls were also made in  XXXX  of  XXXX  but I was told that they though they could see that the payments at that point were indeed not 30 days late there was nothing that they could do to help and that I would need to go through some other means to get the report removed from my credit report but could not give me the information on what that would be.
Complaint sub-issue: Information belongs to someone else

I obtained copy of my credit copy of my credit report and noticed a fraudulent account and name on my report.
Complaint sub-issue: Public record information inaccurate

ON XX/XX/2019 I SPOKE WITH EQUIFAX REGARDING A DISPUTE FOR PUBLIC RECORD-BANKRUPTCY THAT CAME BACK AS VERIFIED. EQUIFAX INFORMED ME TO CALL XXXX XXXX WHOM REPORTED THE INFORMATION TO THEM. I CALLED THE DISTRICT COURT AND WAS TOLD THAT MY FILE WAS IN STORAGE AND NOONE COULD RETRIEVE IT. I SPOKE WITH XXXX XXXX ASKED FOR MY DISCLOSURE REPORT # XXXX, INFORMED THEM TO DISPUTE THE PUBLIC RECORD BECAUSE IT IS SHOWING INCORRECT INFORMATION, AGENT CONFIRMED INCORRECT INFORMATION THAT IS REPORTING.
Complaint sub-issue: Reporting company used your report improperly

department of education in accordance with the fair credit reporting act XXXX  acct # XXXX # XXXX # XXXX I have the right to privacy 15 u.s.c 1691 section 604 section 2 states a consumer can not furnish an account without my written instructions rights under 15 USC 1681 15b us code 1679c # XXXX # XXXX # XXXX
Complaint sub-issue: Account status incorrect

The XXXX XXXX XXXX account # XXXX updated with a delinquent status of " NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE ''. or " 30-59 Days Past due '' This update took place after 7 months since the account was paid to XXXX and closed. The account was paid to zero with a payoff check which was issued and dated and processed by XXXX. 

XXXX received the payoff check prior to the months due date at the initial week of XX/XX/2021 which was confirmed by the dealer. 

i spoke with XXXX twice between the ending of XXXX, well into mid XXXX and confirmed the dealership in which the check came from. These calls were recorded and I still retain a photocopy of the check issued to XXXX XXXX which also has the issue date and mailing date attached. 

However, to my dismay XXXX took over a month to process the payoff check and now 7 months later falsely changed the status. This account was never paid late. Furthermore, this account was paid in full by XXXX of 2021 and is falsely reflecting a 30 days late and the closing date as XX/XX/2021. 

The account was closed in XXXX of 2021 and paid in full and NEVER late.
Complaint sub-issue: Account information incorrect

On XX/XX/2020, DISCOVER STUDENT LOANS was contacted asking proof that I am a co-signer on this loan. I asked if I can inquire how they VERIFIED WITHOUT ANY PROOF, BEARING MY SIGNATURE.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I attempted to make an online purchase on XX/XX/2022. US Bank sent me a text asking if it was me that use the card and I texted back yes. Well they did not let me use the card again so I called customer service for XXXX XXXX XXXX  They informed me that there was nothing they can do. They couldve picked me randomly to put a hold on my card. Unless Im mistaken, they can not put a hold on my card. That was not used for fraudulent activities if I was the one using it. Now they are holding my money till Tuesday. Its the only money I have its my unemployment card for XXXX XXXX thats the only income I have in the winter time because I work part time in the summer. They were said theres nothing they can do to help me I sent in my ID on Friday night I sent a selfie like they asked me every person Ive talk to you there said too bad theres nothing they can do. So Im left with no money at all and Tuesday when they said it might be fixed I get my next check in and I couldnt pay the bills. I have today with last weeks check. Since when can a financial institution hold your money for no good reason. What are the girls said it mightve been my change of address well let me tell you about the change of address their company their bank made me change my address. They said there was something wrong with the address I gave them and they wanted a new one, so I gave them a different form of the way my address was. I did nothing wrong here and Ive gotten nothing but rudeness and ignorance from these people. What am I supposed to do whos gon na pay my bills this week and they froze it over the holiday weekend. This is absurd. I want to file charges against his bank for holding my money. There is no reason in the XXXX constitution that they could be doing this to me.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018, I discovered multiple unknown accounts on my credit report, right after I had no other reason but to believe that I was a victim of Identity Theft, so I filed a Police Report and started disputing the inaccurate information on my credit report. Some months went by and I was able to remove the accounts that were not mine. Not too long ago I started receiving collection letters regarding one of the accounts that were on my report and obviously part of XXXX, I disputed with the collection agency and they stop collecting on it, unfortunately, just a few days ago I did my regular review on my credit report and found out that a new collection came up trying to collect on the same account that I had been dealing with in the past, the new collection name is XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax refuses to update my credit score to reflect what it was before XXXX falsely reported I was 30 days late. XXXX corrected the information with Equifax, but Equifax refuses to correct my score. They have been provided with the correct information, but refuse to correct my score. This is entirely Equifax 's problem. Equifax needs to correct my score to where it was prior to XXXX issuing the adverse information.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5700.00}. XXXXm attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I was never eligible to receive a credit card before till recently yet on my XXXX XXXX it says I have an open account with CBNA since XXXX XXXX, 2017. I 've never heard of that bank ever and I got a phone call saying I have a {$3000.00} debt to pay off but when I told the operator I had no debt or card with that problem he hung up on me. Immediately I was suspicious of the situation. The pictures below show I have a XXXX XXXX card that I just got approved for and the other is the cbna which I have no idea about.
Complaint sub-issue: Information belongs to someone else

My insurance company raised my rates based on the CLUE report provided by Lexis Nexis. I requested a full report and received it in XX/XX/XXXX. I sent an online dispute, disputed 2 erroneous errors on my report : Consumer Number XXXX Reference Number XXXX 1. XXXX Claim on XX/XX/XXXX. This claim is completely false. We have never had PA XXXX XXXX XXXX XXXX, and have never made a claim on this vehicle. 
2. XXXX Claim on XX/XX/XXXX. This claim is completely false. We have never had XXXX XXXX XXXX XXXX XXXX, and have never made a claim on this vehicle. 

XXXX XXXX then sent a letter saying that they verified these claims were true, but did not provide any method of how they validated it. I sent another dispute on XX/XX/XXXX requested validation information, mainly, the contact information of XXXX  XXXX XXXX XXXX XXXX, and the method of verification. It was not provided, and to date, I have not received a response. This is a violation of my rights as a consumer, per the Fair Credit Reporting Act.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was contacted by a dunning notice soliciting collection of {$120000.00} from Fed Loan Servicing on XX/XX/2021 that I owe a debt. After responding with a direct dispute on XX/XX/2021, they began reporting negative and defaming information on my credit reports around XX/XX/2021. I have been denied credit and my credit worthiness has been compromised. I do not agree with the accuracy and integrity of the information. I have research the CFPB Website and found that : 12 CFR 1022.41 ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 d ( 1 ) ( 2 ) ( 3 ) ( 1 ) i Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Complaint sub-issue: Billing problem

Bought a new XXXX XXXX from XXXX XXXX in Texas in late XXXX. Was pushed to finance at least 4 months with XXXX XXXX XXXX to get a {$2000.00} rebate. On XX/XX/XXXX made my first and only payment of {$10000.00}. Noticed it never posted so made numerous calls and was told account number inputted wrong but it was corrected and properly applied and would reflect so in my XXXX account. This never happened so i made numerous calls over the next few weeks to follow up. No hint of any problem from XXXX and all was well just taking longer than expected ... .... Today I was told XXXX returned the money on XX/XX/XXXX and it, whatever it is, was cashed on XX/XX/XXXX. This is the first time I was told this. All my other inquiries all was fine and just taking time to get the payment to its correct home. I had another $ XXXXpayment set for today but had the bank cancel it. Now I am out {$10000.00} and left to deal with an inept XXXX that every phone call tells me a new story. My bank says the payment was an electronic transfer to XXXX and they have no idea why a paper check would have been cut if in fact it was. Bottom line, my {$10000.00} is missing and I am left to deal with incompetents.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered several fraudulent and inaccurate accounts on my consumer credit file.
Complaint sub-issue: Account status incorrect

Sometime in  XXXX  I had a water main burst on my property, which caused my crawl space to flood. This caused quite a bit of damages, which my homeowner 's insurance refused to cover. I had several companies give me quotes for repairs, and settled on  XXXX   XXXX   XXXX  because they were the only ones who offered a payment plan.     I first had my load processed with  XXXX   XXXX , and my payments started on  XXXX  of  XXXX . The interest rate was something ridiculous, ner 18 %. I paid a large lump sum payment on my first payment, and my plan was to refinance the loan with another company for a lower rate. This large payment essential paid my account forwa rd 2-3 years as we ll. The first problem arises on m y CBR, sh owing a debt of ove r 20k, whic h is incorrect. My loan was only for  XXXX . I have attached a document with a screenshot of this information. I have filed a complaint on this with the CO Attorney General on this matter.     Aft er 4-5  months,  XXXX  transferred or sold this loan to  BB & T, w ho claim I mis sed 3 pay ments, and then charged off my loan. I have attached a second document showing this on my CBR as well. Loans I thought were only to c/o a fter 180 days  of delinquency? This loan only show s 3 m issed payments, which I do not believe were missed as the lump sum payment I made in the beginning should have still covered the period when the loan charged off. Showing  XXXX  of  XXXX .     I have been trying to get this issue resolved for almo st 2 yea rs. I have n't received a bill in near ly 3 ye ars, and in the past it had been nearly impossible for representatives f or BB & T t o locate my acct when I called in etc. In the time since the loan charged off I finally received a few phone calls, and set up a payment plan with the company ; however after months of being on the plan I received a letter stating, they can no longer auto debit my acct. I tried to contact the company and had the same issues locating my acct. Until recently I have n't heard from  BB & T  until recently I began getting calls again, and the loan is showing delinquent on my  CBR a gain. The loan has not been sold to a  3rd party , its still w ith BB & T an d when I spoke with a supervisor they said there was nothing on my account in regards to the payment plan I had been on for months.     I think this is wrong, and I need someone to help me with this issue. As I said earlier I have been trying to rectify this for quite some time, I have n't received a bill in ne arly 3 y ears, and never received a final demand letter etc. As you look into this I think you will find some wrong doing or negligence on  BB &  Ts part, along with incorrect  CBR  reporting. Any help or advice would be much appreciated. On the attachments I have provided you can see the incorrect balance reporting ( difference between  XXXX  amount an d BB & T )  and where it shows I only missed  3 p ayments, then the loan C/O.
Complaint sub-issue: Public record information inaccurate

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information INDIVIDUAL BANKRUPTCY DISCHARGE XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 Section 604 ( a ) Sec ( 2 ), it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax fail to remove the old address on my report which I stated to them to remove the information on my report, its still on my report. They refuse to move the items off my report thats against my rights.
Complaint sub-issue: Their investigation did not fix an error on your report

CREDIT BUREAUS ARE NOT VERIFYING OR VALIDATING DEBTS AS REQUIRED UNDER FAIR CREDIT REPORTING ACT. THEY HAVE NOT FURNISHED ANY AUTHENTICATED DOCUMENTS AS REQUIRED PER THE ACT. THEY HAVE INGNORED MY REQUEST FOR W9 'S AND COPIES OF THE SSA 89 FORM WHICH GIVES THEM AUTHORIZATION TO DISCUSS ANY INFORMATION REGARDING MY SOCIAL SECURITY NUMBER. Notice, it is a fact, I am aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.
Complaint sub-issue: Information belongs to someone else

I am a Fraud Victim and someone stole my Identity many years ago. I never signed any documents nor have I spoke to anybody from XXXX XXXX and nor did I give them permission to touch my credit report. I am demanding Justice be done and they clear my name from any wrong doings of requesting a LOAN. I have not given XXXX XXXX   OR CREDCO Permission verbally or electronically or written permission to touch my credit or request a loan. I demand they contact all three credit agencies and remove this credit pull from my account. I also want a letter of deletion sent to me for proof of records If this is not done within the 30 day time frame I will contact a lawyer for damages for pulling my credit and damaging my credit. 

Thank You, XXXX
Complaint sub-issue: Debt is not mine

I previously disputed this debt with   XXXX   XXXX   on   XXXX   XXXX   via certified letter to the Credit Bureau and   XXXX   XXXX  . I received the letters from  XXXX  and  XXXX  that this debt was DELETED! Now ERC which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!
Complaint sub-issue: Investigation took more than 30 days

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.