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

I realized my credit file was mismerged with a close relative, who, happens to have a similar name and middle initial. While the relative has a comparable name, their gender, birthdate and SS number are entirely different from my own. Furthermore, my relative 's address differs from my own as well. 

I filed a online dispute with Equifax. On the same day I dispatched a dispute email to the credit reporting agency. Shortly after I initiated the dispute, I received notice the reinvestigation was " complete. '' The notification from Equifax stated my ( new ) report was available for " review. '' After I reviewed the ( newly issued ) credit file I was surprised to learn the CRA failed to delete the inaccurate information. Simply, my family members personal identifying information continues to linger in my ( mixed ) credit file. 

I notifed Equifax on several occasions my file was " mixed, '' however the CRA ignores my claims and fails to delete the inaccurate data. Equifax reported, shared and continues to spread unreliable data for a fee. Instead of verifying the information and creating a new file, Equifax muddled our data together. 

I have evidence of the merged data, the correspondence of both parties, as well as the confirmation numbers pertaining to the disputes.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Dear Madam/ Sir, CFPB : This matter is in regards to a loan that was purchased on/or about 4 to 5 months ago to pay most of my medical coopayments that are not covered by my insurance company. And Also medications need it, for me, in and out of the counter. Also to pay some of my car payments and also to pay my rent. This debt collector is calling me day and night harrasing me and thretening me to pay the loan. Do to my XXXX and do to the Covic 19, rules and regulations. I dicide it to settle the loan, in {$1.00}, that is as much as I can pay, .I cant pay any more. This debt collector is abusive in language. And this is against the consumer protection laws. Thank you. Respectfully yours : XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX, DE XXXX Per my credit report, this organization has ran my credit 7 times in the last 8 months. I've never heard of XXXX and have not provided them my personal information to allow them to run my credit. This are fraudulent inquiries and must be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, 2021 {$840.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$97.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no valid claim, no contracts exist ... accounts were settled with original creditors and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I opened a new Citibank credit card in XX/XX/2022. It had a low credit limit I was not aware of, much lower than any other credit card I have been issued in XXXX years. Our family took a vacation and we used the card to its limit. By the time we got back, XXXX services I have on auto-pay on the card were sending me delinquency notices. So I phoned Citibank to request an increase in the credit limit and they declined, sending me a written note saying XXXX had told them I had problems with other creditors. I prepaid the bill so the auto-pays would stop bouncing but Citibank told me it might take XXXX days for my ACH transfer to clear the bill. I called XXXX and verified that I have no freezes, locks, delinquencies or outstanding debts. XXXX told me it was okay to tell Citibank that XXXX could see no reason to deny me more credit. I called Citibank twice and relayed this news to them, and twice again Citibank denied my request and sent me the exact same form letter pointing to XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I purchased a XXXX XXXX in XXXX and was persuaded by the dealership to purchase GAP insurance at the time of the purchase because if something were to happen to the vehicle the insurance would cover the difference between my insurance and the cost of the car. 

I did not expect to utilize it however I was in a car accident about a year later and the car was deemed a TOTAL LOSS. My insurance company paid for the vehicle, however, their was a remaining balance left on the finance for the GAP Insurance that I financed in the loan. 

There was no reason GAP should not have covered the difference and I feel I was scammed and cheated for even financing gap with the car, as my insurance covered the full amount minus the gap coverage. If you look into the paper work you will see the remaining balance on the loan was for GAP! 

That being said, XXXX XXXX reported negative on my credit report, so I reached out to resolve the issue. I reached out to them and was told if I made a payment the negative information would be removed from my report. I settled for slightly less then the amount, and they marked it as PAID with XXXX, but Derogatory with XXXX and Equifax. Adding insult to injury I reached out to them with no resolution.. 

I have reached out to them several times and have also reached out to XXXX, XXXX, and Equifax with no resolution. 

At this point I am becoming disheartened because I feel I was scammed into purchasing GAP insurance, and financing it with the car. Only to be cheated. They financed the gap, it did not cover my loss, left the gap insurance on the cost after the car was totaled and now are reporting negatively on my credit for the amount of the gap insurance. 

They are also not reporting the information incorrectly. XXXX XXXX XXXX is reporting a last payment date of XX/XX/XXXX with XXXX and XXXX, but XX/XX/XXXX with Equifax.
Complaint sub-issue: Account information incorrect

My due date is the XXXX & close date is the XXXX for XXXX Last month equifax reported INCORRECTLY & they did it AGAIN just prior to midnight dropping my score 36 points! More than last month. I just got off the phone with XXXXXXXX XXXX and they verified that its definitely not nfcus doing. 
ALSO equifax has been pulling my XXXX  TWICE a month! DROPPING MY SCORE TREMENDOUSLY! The due date for that is the XXXX and close is the XXXX. 
Equifax has me reported at 36 percent usage and I am WELL BELOW 10 percent, in fact Im at about 5.3 percent BY CHOICE!! 
Im requesting they remove this damage to my report IMMEDIATELY! 
Ive had issues with them several times over their horrible reporting antics and I will be drafting lawsuit papers for them in the XXXX 
Consumers have rights and are protected by laws that are put in place and they have broken your guidelines and laws too many times to go without paying me what Im due.
Complaint sub-issue: Frequent or repeated calls

This account was sold to a collection agency who does not have an account with me. I am not responsible for paying this creditor company anything. This collection should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.
Complaint sub-issue: Public record information inaccurate

Hello. This was CFPB Complaint XXXX for Equifax and now it is this CFPB Complaint ... Just so you know, that is. With that said, upon trying to mail Equifax at XXXX today, XXXX21, I found out that I can NOT mail ANY information to Equifax because they have provided me with NOT a thing other than a XXXX XXXX XXXX which is 100 % UNacceptable. In other words, know I require a Mailing Address for Equifax and have yet to be given one.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and 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
Complaint sub-issue: Personal information incorrect

I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Elan Financial ( US Bank ) Pulled a hard credit on me through the credit reporting agencies and lowered my credit score. They did not have any approval to do so. I have ( had ) a card with little to no balance that was good from XX/XX/XXXX through XX/XX/XXXX. 
My card ended in XXXX
Complaint sub-issue: Debt is not mine

Another payday loan scam threatening legal action. A company called  2  or 3 months ago stating I owed a supposed debt from 4 years ago. I knew I did not, scoured bank records to prove it, and proved the debt never existed. The company that called today said it was a debt from the same day, but a company with a completely different name. I stated my stance, that its already been researched and proven nonexistent. I asked for company information to pursue formal complaints, "  XXXX   XXXX  '' refused to give me any information, threatened me and hung up. I filed multiple complaints with the  XXXX  and state attorney generals and this company called again. I warned them that I had already filed complaints against this false debt and to remove my number from their system.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal data and allowed my data to be distributed in a data breach.
Complaint sub-issue: Debt is not yours

On XXXX XXXX I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request. 
XXXX XXXX XXXX, in the amount of {$10000.00}
Complaint sub-issue: Investigation took more than 30 days

I was taken advantage of due to Malpractice by this credit reporting agency while several laws were being broken under the FCRA by this company. This has called me financial injury, defamation of character due to their willful non-compliance. I have been denied credit from multiple lenders, I can not get a Job & have not been able to qualify for a SBA Loan due to the coronavirus pandemic because of my credit.
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX HWARFIELD XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious HWARFIELD XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and I didn't get a response within 30 days. 

Y'all are required by law to do so. 

Please investigate my disputes please. 

Thank you
Complaint sub-issue: Account status incorrect

In response to CFPB:XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX , FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is a late payment, as reported by XXXX. 

This delinquent account record is inaccurate because in XX/XX/XXXX and XX/XX/XXXX fraudulent charges where made which followed to XX/XX/XXXX. They have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XX/XX/XXXX there were a lot of charges made on that month you charged me for. the money they said i owed for XX/XX/XXXX, I did not owe. They owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe XX/XX/XXXX because they didnt know what I owed for XX/XX/XXXX. I had fraudulent charges in which they agreed to in their investigation. they are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what they are replying to has nothing to do with my dispute.. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

I have included copies of them agreeing to credit my account back for charges made in XX/XX/XXXX month ( in which theyve recorded i did not pay for charges that were not made by myself.

Please investigate this matter and correct the disputed item as soon as possible.

Sincerely, XXXX XXXX
Complaint sub-issue: Debt was paid

I was XXXX XXXX and since then had been struggling with keeping up with my bills. I owed {$920.00} to Ally Financial as of XX/XX/XXXX. I cashed out the remaining amount if my 401K to pay outstanding bills I had due to my being XXXX. I made an online payment to Ally on XX/XX/XXXX for the overdue balance of {$920.00}. Unfortunately my bank held my 401K cash out check longer than expected causing the funds to not be available in time for the {$920.00} to clear, causing the payment to Ally Financial for {$920.00} to be reversed on XX/XX/XXXX. I called Ally back XX/XX/XXXX and said I wanted to just pay the remaining balance owed not the outstanding balance of {$920.00} ( my 401K cash out had cleared at this point and funds were available ). The Ally representative said " I can not give you a payoff amount until you bring your account current your account is still showing a balance of {$920.00}. '' He also said " once your account is current call back and a payoff amount will be able to be provided. '' I made another online payment of {$920.00} and that payment did clear XX/XX/XXXX. I called back XX/XX/XXXX and got a payoff amount of {$2500.00}, since they my account was current they were able to provide the payoff amount. I made an online payment for {$2500.00} and that cleared as well. Weeks later I received a letter from Ally dated XX/XX/XXXX stating the balance was paid in full and they provided the original title of the vehicle in my name. At some point after my payoff Ally redeposited the first payment of {$920.00} that originally did not clear on XX/XX/XXXX ( even though I made a payment on XX/XX/XXXX to replace that returned payment AND paid of the payoff amount which cleared XX/XX/XXXX ). My bank returned to me the payment of {$920.00} that was deducted from my account AFTER I paid the payoff amount and received my paid letter with the title. Ally is now saying I owe them {$1000.00}. The account should be reflecting closed and paid in full as of XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX XXXX 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.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX reports multiple account numbers for the same account, some say XXXX balance & XXXX owed but account is over 120 days past due, another reports the balance has been charged off. Multiple calls to company. After I call to dispute, XXXX sends account to a different collection agency, and we begin the process over. It 's been since XXXX 2015 account is paid and closed at consumers request
Complaint sub-issue: Account information incorrect

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 2 months and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$10000.00}.
Complaint sub-issue: Debt is not yours

I have been contacted for 3 days in a row by a " Debt collection agency '' called XXXX XXXX XXXX from the phone number XXXX stating that I owed a {$780.00} to best buys credit card company. I told them I would not be giving them my information and I would settle this issue with the BestBuy themselves. 

I had previously closed my best buy account roughly 10 years ago and verified this by not being able to connect to their billing department because they did not have my social security number on record
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX acct 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.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CARMAX AUTO FINANCE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2021, I sent a letter to XXXX, XXXX, and Equifax to dispute to 2 public record accounts ( bankruptcy ), 2 collection accounts from XXXX XXXX and 16 inquiries in total which is in violation of FCRA 15 USC 1681b ( a ) ( 2 ) : ( 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 relates.

This is also a violation of FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681a ( b ) defines person as : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

I am the consumer in fact and I never gave anyone permission to furnish my information. No consent is identity theft. 
The person or persons who invaded my privacy are fault via FCRA 15 USC 1681 ( a ) ( 4 ).
Complaint sub-issue: Information belongs to someone else

EQuifax has on numerous occasions reduce my credit score Just recently I had XXXX Fraudulently established accounts removed ( XXXX XXXX XXXX XXXX ) as with an inquiry supporting XXXX of the accounts and in accordance to the algorithms referencing time established on the credit report which XXXX  was a new account XX/XX/20 but this was a Fraudulent account I disputed and my credit score should have been raised higher than XXXX XXXX being that one in both situation these were compromise fraudulently established accounts and duration of time left on my credit report subsequent to me notifying Equifax of fraudulent compromised documentation.
Complaint sub-issue: Information belongs to someone else

I noticed a wrong address on my credit report via Equifax. I sent a letter to Equifax letting them know there is an address in my report that has never belonged to me and I feel like there is an account being reported on my credit report attached to that address. I feel like it is negatively affecting my credit!