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

1. I sent a letter dated XX/XX/XXXX and addressed to XXXX to the following address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX in regards to incorrect personal information on my credit report. In the letter, I informed XXXX of the incorrect personal information. 

I requested the information be removed to display only correct personal information. I received a response letter dated, XX/XX/XXXX from XXXX stating the following : " We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party ... ... ... ... ... .. '' In their letter, they also requested a credit repair company identify themselves by providing proof that I gave authorization to a credit repair company to communicate on my behalf. 

There is no credit repair company or third party. As I sent the letters, it appears XXXX responded to my request to buy themselves some time and declined to correct or remove the information. 

As I reviewed my credit report today, XXXX recently added and updated my name as it is on the letter I sent to them and also did not remove the other incorrect information. My name is incorrectly spelled and I only go by one name. I want my personal information correctly reported. 

XXXX. I sent a letter dated XX/XX/XXXX and addressed it to Equifax to the following address, Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX in regards to an outdated address on my credit report. In the letter, I informed Equifax of the outdated address and requested it be removed. As I reviewed my credit report today, the outdated address is still on my credit report. I want my personal information correctly reported including current information, not outdated information. 

It has been well over 30 days and neither credit reporting company has corrected the errors as I have requested.
Complaint sub-issue: Information belongs to someone else

Equifax did not update my address. My address is XXXX XXXX XXXX XXXX, TX XXXX please update this. On second note equifax has not corrected the identity theft on my report. There is XXXX XXXX bank line of credits that are fraudulent XXXX limit {$XXXX} and XXXX limit {$XXXX} and additionally a fraudulent XXXX line of credit with a {$XXXX} limit I have not opened any accounts at XXXX, nor XXXX a thief has opened these as a result of identity theft. Lastly there is two inquiries I did not authorize XX/XX/2019 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas please block these fraudulent inquiries and accounts opened by a thief.
Complaint sub-issue: Account status incorrect

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my Auto Payment is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Reporting company used your report improperly

Explained to Equifax through several disputes online and by mail, last sent XX/XX/2022 that many derogatory accounts such as chare-offs can not be reported if the Original Creditor charged off the debt but I did not receive a 1099c to recoup any finances. Thus indicating their removal from my profile. Also indicated that neither Equifax nor XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX which all identify as charge-off accounts. Equifax was also notified about the fraudulent use of my name in various ways, addresses that I have never lived, and other fraudulent use of my profile in which they furnished without my consent and verified without my consent. Equifax has fraudulently assumed the role in my trust and personal identity against my will and acknowledgement and still continues to furnish such derogatory information against my written, oral, and otherwise requests to delete such information which has been a hindrance on my life.
Complaint sub-issue: Was not notified of investigation status or results

Submitted XX/XX/2022 Completed XX/XX/2022 Confirmation number : XXXX Equifax have failed to provide description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Equifax have failed to maintain reasonable procedures to assure complete accuracy in the information they publish on my consumer report. Equifax must comply with the law by providing the requested information within the 15 days allowed.
Complaint sub-issue: Information belongs to someone else

I am requesting proof of ownership. I did not sign off on this loan. 

This account was opened without my consent by my ex. I only found out it was in my name after legally separating. My ex missed a payments and later totaled the vehicle. I was left to settle and pay on the account off and legally go after my ex for the funds paid. I was forced to pay off this account because I was getting a mortgage. I have yet to recoup my funds and on top of that XXXX XXXX does not have the original documents signed in my name nor does it have records of the last payment I made to close the account on XX/XX/20. I have the receipt to prove I paid it yet they have no record on file when I call. Ive talked to various managers and always the same answer. They will not take this account off of my credit report even though I did not open it and they can not produce Proof of Ownership with my signature on it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize my credit to be pulled by this company
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX.Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute DEPT OF EDUCATIONXXXXDispute XXXX XXXXDispute XXXX XXXXDispute ftc violations filed
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I sent a request to Equifax, asking them to correct mistakes on my credit report. They were supposed to respond within thirty days, but I haven't heard back from them.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Complaint sub-issue: Debt is not mine

MRS BPO , L.L.C . contacted me by mail, on XXXX XXXX, 2016, and identified the debt as {$1800.00} owed to XXXX, MRS ACCT # : XXXX ; Current Creditor Account # : XXXX ; Charge off Date : XXXX/XXXX/2016. 
I do not have any responsibility for the debt, have never owed XXXX any money, and confirmed this with XXXX
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I have a Washington DC US Bank reliacard account in which it doesnt seem that the retained earnings from previous months are carrying over into the next month. I know that is {$11000.00} in the account based on income versus expenses but theres nothing left over like can I complain earnings. Even though Ive done the math on the competitions they are refusing to add back the code saving everything I need that work or should essentially be in the bank.
Complaint sub-issue: Information belongs to someone else

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Discover Financial. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Complaint sub-issue: Transaction was not authorized

I purchased a flight via XXXX  on my Citibank debit card. After flight cancellations, I was unable to take a flight to XXXX to be with my family for Christmas. After contacting the airline, XXXX, and Citibank, I disputed the transaction. 

Citibank provided a credit then reversed it and refuses to honor the dispute or do their due diligence.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Husband XXXX XXXX probably XXXX XXXX XXXX XXXX accounts I've only had XXXX XXXX XXXX XXXX card and XXXX last purchase I made was {$72.00} I think of XXXX anything after that's not me or on any other cards
Complaint sub-issue: Information belongs to someone else

To whom it may concern, Under 15 U.S Code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX I was informed by my credit monitoring service that my Equifax score dropped XXXX points. I the only recent changes to me credit file was that I PAID OFF an auto loan. On XXXX I contacted Equifax by phone at which time I asked them what had caused my score to drop from XXXX to XXXX and I was told that my score was not XXXX and that I had been misinformed by my credit monitoring service. I then opened an Equifax account so that I could see my score directly from them ... ..and it was XXXX. I then called Equifax back and was told that they could not see anything in my recent credit file that would have caused my score to drop. They further stated that scores are calculated by their computer and there was no appeal process ... .so whatever score the computer assigns you, you're stuck with it. I am sure this CAN NOT be accurate information. I need to have a HUMAN to check my credit file and correct my score based on what's in my file.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Equifax, XXXX and XXXX have constantly abused power as far as reporting inaccurate information. Please remove these inaccurate items.. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Complaint sub-issue: Didn't receive advertised or promotional terms

This complaint is not related to my other complaint that I filed last week. 

I received an offer for a monthly payment plan when I logged in to my CLOSED account online. I accepted and it gave me two option to choose : 1. .9 % APR with a low monthly payment until balance is paid but " THE ACCOUNT WILL REMAIN CLOSED '' 2. 11.9 % APR with a low monthly payment and " KEEP YOUR CHARGING PRIVILEGES '' I selected option # 2 and accepted higher 11.9 % APR so I could keep charging privileges. I made the required payment and chatted with an online rep. He told me that my account will stay closed and will not have any charging privileges. I told him that it was DECEIVING AND FALSELY ADVERTISED and requested him to let me select option # 1 but he refused to do so.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

enhanced recovery CO. LLC XXXX XXXX XXXX. XXXX, FL XXXX. I contacted this company with a second written request requesting original creditors documentation, I do not believe this information is mine or correct. I have never had XXXX phone service! They have not provided me a copy of any original contract with my signature attached. I am requesting all information be removed from XXXX  and XXXX. Again, I have never requested XXXX or had their services. 

thanks, XXXX
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
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.US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural living man. I am a human being. I have rights under 15 U.S.C. 1681 XXXX and CITICARDS CBNA is governed by 15 USC 1681 and they have violated my rights numerous of times. I demand this account be removed due to the following reasons. 

XXXX and CITICARDS CBNA has erroneously since 2019 reported negative and false information to my credit report. 

This entity is reporting a charge off account monthly on my credit report. 

I have asked them on multiple dates to provide verification of account but they have ignored my consumer rights and requests and proceeded to report this inaccurate data. 

According to 15 USC 1681 : I have the right to accuracy and privacy and I did not give XXXX nor CITICARDS CBNA written permission to furnish this account. 

Account Numbered # XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX  XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  XXXX  no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  XXXX  no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Complaint sub-issue: Fee problem

Per my previous complaint against the bank I spoke with PNC bank corporate and was told that they were crediting the account and that I would have a balance of negative {$140.00} that I could bring back positive by making deposits when my social security hits which is on the first and third of every month. The representative told me that she would put a note on the account not to close the account since at the time of the initial complaint the account was over drafted for a while. 

PNC did not honor the terms previously discussed and agreed upon they instead closed the account and increased the amount from {$140.00} dollars to more than {$210.00} dollars so they just completed lied about the resolution terms and retracted the agreement previouslt agreed upon.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like i'm being really taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the wrong hands.
Complaint sub-issue: Investigation took too long

I contacted Equifax around XXXX XXXX because I had not received a response back from the alleged creditor. So I was disputing this inaccurate information pursuant U.S.C sec 1692g XXXX b ) : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

I called Equifax on XXXX/XXXX/2015 and spoke with XXXX. When I contacted the CRA they refused to remove the information and stated that I did not have the right to validate the debt because I was not the CRA which is not correct by law.
Complaint sub-issue: Deposits and withdrawals

first horizon bank is not keeping proper records of transactions and a deposit hold that they have placed on my account. the 2 monthly statements i have do not reflect the actual ongoing situation which is that my available balance has not matched my actual balance for 39 days now. they are unresponsive to my requests to close my account. they are cancelling scheduled payments and transfers without recording their actions in the permanent bank account statements or transaction record. this lack of the usual level of banking recordkeeping practice makes me concerned that their actions are more extra judicial than merely holding a deposit beyond the legally established time limits. they also tell me that there is no internal bank oversight that i can appeal to. they have other courses of action that they can take other than to avoid permanently recording evidence of an improperly extended deposit hold. if they corrected the error in my available balance by updating it to match the current balance today, there would be no evidence of a 39 day inability to use the funds in my account in the official account statements. and thats not right. they are doing this to perhaps thousands of customers who they say received business payments into personal accounts. i was told that some of these situations have duration of over a year. perhaps that was meant to discourage me. or to encourage my submission of this complaint. please help.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent a dispute via fax to Equifax to ensure compliance on an item on my credit report. I received a response dated XX/XX/XXXX stating the item was verified. On XX/XX/XXXX I faxed a request to Equifax asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Today I received new " dispute results '' dated XX/XX/XXXX from Equifax just stating the items was verified so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Equifax did not comply with this request within the time frame allotted they need to delete the disputed account.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected 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. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX XXXX Balance : {$430.00} Bankruptcy : XXXX XXXX Reference # : XXXX Asset Amount : {$0.00}