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

Medical debt under XXXX is reported on my credit report. I have disputed the collection accounts that are open with XXXX systems, and one with XXXX XXXX XXXX that is XXXX. Equifax makes you choose from a drop down box the issue with the collection. The choices do not include medical debt under XXXX. So I chose about was wrong. You can not complete the dispute process without choosing from this box. All of the collections remain as correctly being reported although the written description stated they were medical bills under XXXX and should be removed.. the last dispute was completed this month without being resolved and removed. I called and spoke to an associate on XX/XX/2023 who insisted they would not be removed because they were over a year old. I asked for a supervisor and was on hold never getting to speak to a supervisor. The associate came back on stating the supervisor was busy. My complaint is there is no way to dispute these with Equifax and calling and directly speaking with someone does not resolve the issue. How are you to get medical debt removed that falls under the criteria of under XXXX if you can not get the agency to comply with this mandate.
Complaint sub-issue: Other problem getting your report or credit score

I am trying to get a copy of my Consumer Report. Every time they do an update I am suppose to receive a copy of the updated Consumer Report. They never send me anything showing any updates. I am demanding copies of my Consumer File and Consumer Report. They are not the same.
Complaint sub-issue: Information belongs to someone else

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}
Complaint sub-issue: Debt resulted from identity theft

This account was opened in my name in XX/XX/XXXX the debtor saying I opened this account in XX/XX/XXXX a a false statement I been fighting with this for XXXX years. Jeffcapsys {$3500.00} Opened XX/XX/XXXX
Complaint sub-issue: Problem during payment process

I turned in my payment to the processing center and they are acting like they never got it. I sent the payment certified mail, which it said it was delivered to the correct XXXX XXXX XXXX I has been a whole month and they are trying to let fees accrue while they play XXXX. They payment says it was delivered XX/XX/2022. It was in the form of a payment coupon. According to XXXX " '' Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, thatthey, may be separated from the bonds and other instruments to which they are usually attached, it is held that they are negotiable and that a suit may be maintained on them without the necessity of creating bonds. '' Aurora v. West, 7 Wall. S8 19 L. Ed. 42 '' it's taken in good faith with intent to accept unconditionally for value upon only minimal due diligence allowed, cautioned, and required by law, implied contracts in place, constructive trust involved, and contacts. 
My fiduciary responsibilities include specifically, the duties of care, confidentiality, loyalty, obedience, and accounting. Above all emphasis is on accounting as " the Undersigned '' can not be held financially liable for anything he did not personally sign by his hand and which can not be presented & /or exhibited upon request for inspection for authenticity, terms, conditions, and to view all contents as to possession reflected on fronts and backs. 
XXXX XXXX is suggested as to owing payment or performance. The Undersigned is XXXX XXXX XXXX and is not guarantor for payment nor guaranntor for collection for XXXX XXXX however as POA facilitator you have a duty of due DC diligence to verify authenticity and positive identity if demanding party claiming a right to payment or performance.
Complaint sub-issue: No notice of investigation status/result

Equifax how do you know which accounts I referring too? if your company said on all investigation that you had verified these accounts earlier in your reply you stated to me but when you replied back you stated Response disputed how did you verify the accounts and who did you talk to seen me proof of who you talked to or to closed the horses mouth JUST SEND THE ORIGINAL SIGNED DOCUMENTS??? IF YOU HAVE THEM SEEM LIKE I 'm the only one that sending proof I have been asking for this info since the beginning of XXXX and all I got from you were we have verified these account I have n't seen who and what you have did to provide the info.. please send asap Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. 
That 's a lie Equifax You sent out another letter saying contact the creditors by name per your company name How did you Know that If I did n't disclosed the items?
Complaint sub-issue: Information is not mine

I have disputed this Bankruptcy Dismissal with Equifax many times. I have never file or attempt to file bankruptcy. I believe Equifax has reported someone else information on my credit file. Please assist me in getting this matter resolved. I am tired of informing them of this issue and they have not done anything.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Vance and Huffman would verify the debt. So I took it upon myself to ask Vance and Huffman for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are 2 credit inquiries on my credit report with all 3 credit bureaus. I have never had an interest in credit cards nor do I have a credit card. These inquiries were not authorized by me. I have contacted XXXX XXXX who in return told me to contact the credit bureaus. Each credit bureaus has advised me to contact XXXX XXXX to have them removed. I have sent out multiple inquiry removal letters to each credit bureau via certified mail and to no avail of deletion. The dates that these inquiries were posted to my report is XX/XX/XXXX & XX/XX/XXXX. These inquiries were not authorized by me and I would like to have them removed. 

I also have a credit inquiry on my report from XXXX XXXX on XX/XX/XXXX that I did not authorize & I received the same feed back from both the company & the bureaus. I have been a XXXX cell phone customer since XXXX & I have no need or use for XXXX XXXX XXXX. 

I am not sure what XXXX XXXX is or the reason for them performing a Credit Inquiry on me but there is an inquiry on my report from this company on XX/XX/XXXX that I did not authorize. 

I have not authorized any of the above inquiries & I have not been successful in reaching a resolve with these companies or bureaus one on one. 

Their reportings are in violation of the FCRA.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is a collection company trying to collect a debt showing it was opened on XXXX/XXXX/2015. 
The information in the Equifax report contains wrong and false information. 
Attempts to correct/delete the subject account have been made but the Equifax web site does not allow me to dispute the entry.
Complaint sub-issue: Their investigation did not fix an error on your report

DEAR CFPB For the past 10 months I've been trying to dispute unverified items on my credit report. I have not got any results of verification that account belongs to me by documents such as a my signature and my social security number on it. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract Any and all accounts you Accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$560.00} XXXX  XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX is hitting me with 2 hard inquires for XX/XX/XXXX and XX/XX/XXXX. I should only be hit with 1 inquire as both were done on XX/XX/XXXX. The confusion is it took an additional day to process the other part. I have spoke to them on the phone around XX/XX/XXXX about the situation and they agreed to remove the Inquiry on XX/XX/XXXX. 

Since than I have noticed no changes and I have put in 2 separate cases/complaints about the matter which both have passed the 30 day rule. 

I than called up XXXX XXXX again and they were unsure what to do and could not find my agreements in the files. I just hope they follow there original agreement as I have been a good cardholder with there company and plan to continue to be.
Complaint sub-issue: Problem getting my free annual report

Some of the questions referring to my credit history asked about mortgages that I have never had, in or around XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I check my credit report a few months ago around XX/XX/XXXX and notice a fraudalent account that being falsely misrepresented on my credit report. I contacted this company via phone and also wrote letters.I sent numerous letter, one dated XX/XX/XXXX. Another on XX/XX/XXXX and most recently I sent a letter dated XX/XX/XXXX certified mail. The company reporting this is XXXX XXXX XXXX and they are using EQUIFAX and XXXX. There is also a unknown fraudalent hard inquiry on my Equifax report, please remove this XXXX. This inaccuracte and false reporting has caused me great harm in my life, it has prevented me from getting apartments and access to credit. This fraudalent account is still being reported on my Equifax and my XXXX credit reports. Please help me resolve this manner I dont know what else to do. 
Thank you, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have a paid XXXX XXXX reporting on my credit file that should have never become a XXXX, as it was paid prior to being placed in XXXX status. I have disputed this reporting with the other two credit reporting agencies and after investigating, they ( XXXX and XXXX ) both removed the inaccurate information. I sent a total of for letters to Equifax, certified with return receipts requesting this inaccurate " paid XXXX XXXX '' be removed from my credit file. After the first two letters, they responded stating the information was correctly reporting. On the third and fourth letter, they stated XXXX confirmed the XXXX XXXX was in fact reporting correctly. In my letters, I clearly referenced section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Specifically, their obligation to physically verify through through signed documents from the original creditor that validity of this XXXX ; not another reporting agency like XXXX. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. After almost four months and four letters later, they are still in violation of the FCRA.
Complaint sub-issue: Billing problem

I have tried to get Flagship Credit Acceptance to reset my online account so I can see what I owe and track my payments for 3 months and they continue to give me the run around saying they can not fix it. They call me and say the same thing over and over again. A Representative called me today and had me on the phone again during my work hours to accomplish nothing. It should not be this hard to reset an account so I can access it. This totally unacceptable and I am out of patience.
Complaint sub-issue: Debt was paid

I was contacted by Jefferson Capital Debt Collection company about a XXXX account that I had been in arrears, and was recently paid off in the last 60 days, from phone number XXXX. 

The debt collection company representative disagreed with me about the fact that I had paid the account off, and further stated that due to the age of the account that they knew that they could not sue me for the amount in question by them. 

They further continued to argue abusively toward me that they had never received the settlement amount that they purposed via the U.S. Mail. 

I advised them that they were or could be ... in violation of the T.C.P.A. laws for calling my cell phone, and to not ever call me again, because their telephone operator/representative kept yelling in my ear lies about me not paying their account they represented in full.
Complaint sub-issue: Seized/Attempted to seize property

I have just received notice today from our payroll dept. that Nelson and Kennard filed a lawsuit against me and have won a judgement against me to garnish my wages. I am going thru a divorce and have half my GROSS wages withheld for CURRENT child/spousal support. How can I stop this? When was the hearing????
Complaint sub-issue: Reporting company used your report improperly

XXXX allowed companies to access my credit report and place hard inquires with out my permission and now they blame me and will not remove them. 

The law is clear when you can not prove that I gave you access to my a profile you MUST remove the incorrect info not just they have a wright to do anything they want and hurt my credit. 

XXXX XXXX dob XX/XX/1962 SS # XXXX
Complaint sub-issue: Reporting company used your report improperly

hey mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Complaint sub-issue: Didn't receive services that were advertised

In XX/XX/XXXX, I went to my local bank and closed my XXXX Credit Card account to avoid being charged another annual fee, because I no longer needed the card. I was told everything was handled and there was a {$0.00} balance. They removed the account from my viewing on the website, so I had no way to access the account in any way. The gentleman at the bank ensured me everything was handled. I assumed the account was closed, and it was noted on my credit report in XX/XX/XXXX. All of the sudden, in XX/XX/XXXX I saw a number 90 on my credit report. This signified that I was " late by 90 days for a payment ''. I have never gotten any documentation on this matter until this point. I attempted multiple times to contact XXXX to discuss. I went in circles talking to department to department about how to deal with whatever it was that was negative on my account. Nobody responded to my calls. I then was contacted by a third party collection agency who asked me about the situation and I told them honestly I was shocked that months after I closed the account, these charges showed up, but I was more than happy to work with him to figure out what happened. I called the gentleman back several times, and he never returned my calls. At this point I have no idea what to do, or how to get this off my credit report, but this is totally wrong and unacceptable. I have never had a missed payment in my LIFE. XXXX 's lack of direction, response, and responsibility has caused my future to be in jeopardy as now I am applying for a new job, and trying to secure a new apartment, and have this innocent scar on my record.
Complaint sub-issue: Information belongs to someone else

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$20000.00}
Complaint sub-issue: Don't agree with fees charged

This is the second time this has happened. My 3.120 % fixed interest rate was raised in error. Without looking at the promissory note, the agent insisted that it was variable. I had an extra {$3.00} showing as past due. This easily could have affected my credit if I did not catch it.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX company was included in my bankruptcy from XX/XX/2014. It was completely gone from my credit and now it has reappeared from XXXX XXXX XXXX as an open account in the amount of {$17000.00}.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. My first payment of {$120.00} was due on XX/XX/XXXX. I made XXXX payments of {$120.00} each from XX/XX/XXXX to XX/XX/XXXX for a total of {$980.00}. I assumed this was paid off since I no longer heard from them after my last payment was made. They have now sold my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX @ XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX has place a collection account on all three credit bureaus for the amount of {$1400.00}. I have disputed these amounts since I have already paid XXXX. This was a payday loan that I am now aware of as being illegal in North Carolina ; however, the main issue is that they were paid three years ago and they are putting an outrageous balance on my credit report that is incorrect.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

ACIMA XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Complaint sub-issue: Reporting company used your report improperly

Due to the recent privacy breach at Equifax, to properly secure my credit report I am required to pay to freeze and subsequently unfreeze my credit at a later time due to gross negligence of company that has my personal information without my consent and I have no opportunity to opt out of this. This is wholly unexceptionable and at a minimum their services to freeze and unfreeze reports for the 3 credit reporting companies should be mandated to be a free service provide by them. If it is profitable for the reporting agencies to secure individual 's information, this incentivizes them to not handle this data with the possible level of security. 

Additionally, the potential harm that can be caused to me as a result of the data breech in no way, could be possibly properly compensated by equifax with any possible monetary value short of a receiving an amount of money where I could be considered independently wealthy. Clearly this is not a realistic possibility. My future ability to secure credit for transportation and housing is at risk and thus my well being and lively hood are at potentially in jeopardy. 

I implore all powers that be to take action in a way that is fair to the consumer and protects them when the consequences of failing to do so are so dire. For me, the bare minimum of that would be the ability to freeze and unfreeze credit reports at no cost to the consumer. 

Thank you for your time.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to get this 30 day late payment fixed and equifax said it was verified by the creditor which is false and the creditor admitted the banking error and I am including proof of 2 payments with bank records of XXXX and XXXX so it is impossible to be 30 days late on the account described in the letter
Complaint sub-issue: Account status incorrect

I have disputed the late payments on XXXX XXXX XXXX   XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Problem with customer service

I submitted my employment certification for public service loan forgiveness on XX/XX/2021 and it has not been processed yet. I have tried calling several times over the past XXXX weeks and I wait on hold, the phone rings, and it hangs up.