Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

IC Systems has listed a collections account at all three credit bureaus. The account has been closed since XX/XX/2014 and all receipts are included in this document. IC systems requested my payment receipts. I provide all receipts of the balance being paid in XX/XX/2014. IC Systems refuses to remove this negative collection account from each credit bureaus and offering a settlement of {$100.00} to remove the debt. I told IC Systems that I don't owe them anything and refused to settle with them. They told me that the debt will remain until I pay the settlement. Please investigate and have IC Systems to remove this from my accounts.
Complaint sub-issue: Other problem getting your report or credit score

All my historical data was deleted from Equifax on XXXX XXXX this elimination reduces my score significantly and Equifax is unable to restore my data.... As of today, Equifax is reporting only 9 open accounts and they still missing 13 historical closed accounts ( including mortgage, auto, and personal loans ). The effect on " Vintage 3 '' ( the process to evaluate score ) reflects that due to a lack of history my score dropped over 23 points. affecting my opportunity to receive better rates and offers. 

XXXX Still reporting all my accounts ( open and closed ) with correct historical data. 

Every time that I call Equifax I receive the same answer that is " if they don't have data on the system they cant help .... 

Today 's customer service refers to an error of 14 different banks at the same time eliminating the data at once .... that does not make any sense at all. 

In addition, I notice Equifax is not following the document information retention policy, due to the elimination of loans with less than ten years of cancellation.
Complaint sub-issue: Account status incorrect

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX XXXX, XXXX, XXXX, XXXX  mortgage XXXX XXXX  XXXX  XXXX, XXXX as inquiries. Report # XXXX, XXXX, XXXX, XXXX. In accordance with the Fair Credit Reporting Act, XXXX  XXXX, XXXX, XXXX, XXXX  mortgage XXXX XXXX  XXXX  XXXX, XXXX Report # 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: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.
Complaint sub-issue: Information belongs to someone else

There are multiple multiple accounts on my credit report that are not mine I have tried going thru the ftc systema writing to the bureuas calling them going thru the furnishers and calling them and nothing is breing done this is criminal to have these items on my account when they dont belong to me!!!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : US DEPT OF EDXXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account
Complaint sub-issue: Other problem

Several weeks ago, when I tried logging in to my account on usbank.com, it said my username was disabled and to call their phone number for assistance. I called the number the website gave and the agent said my username would work again within 72 hours. Several weeks later, the website still said my username was disabled, so I called US Bank again on XX/XX/XXXX. The agent said my username should start working again the next day. It has now been 3 days since that call and I am still unable to login to usbank.com. I have been unable to access my US Bank checking account and credit card online for several weeks now.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

OnXX/XX/XXXXI received a " Notice to Home Loan Applicant '' stating that my credit score from Equifax was XXXX I was told that " key factors that adversely affect your Equifax credit score '' are " XXXX TOO MANY INQUIRIES IN THE LAST 12 MONTHS. XXXX AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH. XXXX PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH. XXXX PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS. '' I requested a free credit report from Equifax and received it XX/XX/XXXXI then called Equifax. I said that I wanted to understand why they thought I had too many inquiries. What was too many? In one year there have been 3, in two years 5. They would not explain what was too many or why. 

I asked what amount was too high for revolving accounts. She merely read me the current balances. I explained that I paid off all balances every month. What could possibly be too high? 

As for " proportions, '' she could not explain anything other than to say credit scores change every day. I went on to their site to start an online dispute. The only thing you can dispute is factual data, which i do not dispute. I want to dispute the credit score itself and can find no one to explain any " adverse factors '' on my report. 

When I asked to speak to someone else who could explain what information in my credit report was adversely affecting my credit score, she said I could call back and talk to someone else.
Complaint sub-issue: Was not notified of investigation status or results

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. 
Company Inquiries : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX still reporting to Credit Bureaus that I owe then {$26.00}, even after paying them full 40 days ago. 
" XXXX reported 10 points loss in my credit score, because of XXXX XXXX. ''
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX. XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX 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: Reporting company used your report improperly

equifax is showing on my credit report accounts that have been removed or not properly verified. 
XXXX- is an account that was disputed and deleted according to communication i received from equifax . 
XXXX XXXX XXXX XXXX XXXX are both unverifiable accounts that equifax refuses to abide by the law and remove the attached letter will show that equifax agreed to remove XXXX  from consumer report
Complaint sub-issue: Account status incorrect

I have a credit card with XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my XXXX, XXXX  and Equifax credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days twice in XX/XX/2017 and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

In XXXX of 2019 we were notified via email that there were upwards of {$2000.00} in charges on our account. The purchases were made online and picked up in person at a XXXX Best Buy. 1. we were out of town then and never ordered or picked up these products. 2. With a pick up order of $ 2000+ they SHOULD ALWAYS check ID on the person picking up. 

Obviously we reported these charges as fraud. Best Buy sent it over to their fraud department for investigation. After multiple calls and jumping through hoops they finally agreed that it was fraud, and we were told over the phone that ALL CHARGES WERE DEEMED FRAUD AND ANY CHARGES, AND FEES RELATED TO THE PURCHASES WOULD BE REMOVED. 

We received a letter from Best Buy on XX/XX/2019 saying " We are writing to inform you that we completed the investigation on your My Best Buy Credit Card Account. As a result, we removed the disputed charges and any related fees and interest charges from your account. 

I was so relieved to finally get this letter after getting the go around every time we called them and re-explaining the issue. Such a headache. BUT little did I know even though the letter said it was fixed and that XXXX, XXXX, XXXX  XXXX would all be updated. They were not. 

We recently pulled our credit while trying to get a home and THE CHARGES STILL REMAIN AND HAVE NEGATIVELY IMPACTED MY VERY HIGH CREDIT SCORE. I have never had any late payments or anything negative reported on any of my credit cards until this happened. 

I have continued to contact Best Buy and am always given excuses and I swear the call center doesn't even understand what I am trying to explain most of the time. I called today and they are closed due to Covid 19. I have reported disputes 3 times to XXXX  with proof of my letter from Best Buy. However when they look into it and contact Best Buy Citi Credit Card they are told, nope! The account is closed but fees and interest rate still applies! I AM NEVER PURCHASING FROM BEST BUY AGAIN. THIS HAS BEEN SUCH A HEADACHE AND HAS BEEN GOING ON MORE THAN A YEAR NOW. WE HAVE BEEN MORE THAN REASONABLE BUT NOW THAT IT IS EFFECTING THE LOAN ON OUR HOME THIS IS NOT OKAY! I NEED HELP FIXING THIS FOR GOOD. PLEASE PLEASE HELP! 

THANK YOU!
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Trouble using the card to spend money in a store or online

Hello. I recently tried to use a {$100.00} visa gift card issued by U.S. Bank National Association. The card was declined so I checked the website on the back of the card and saw that there was a {$100.00} transaction with XXXX on XX/XX/XXXX. This did not make sense to me because I had never used the card. I double checked my XXXX account and confirmed that there were no transactions using the gift card on my XXXX account. 

I then called the gift card customer service number on the back of the card. They asked for proof of receipt for the card in order to help me. I explained that I got the card as a gift and did not have the receipt. I also explained that I got quite a few gift cards for my baby shower and did not know who gave the gift card to me. They then said the card was registered in someone elses name and continued to say they could not help me unless I had a receipt. There request and refusal to help didnt make sense to me. 

I then called XXXX customer service to see if they could help me. I provided them the gift card number but they were not able to look up the purchase that way. The XXXX representative asked me for the transaction number so I went back into the gift card website to retrieve the information but I was now no longer able to access the gift card website that I had access to just a few minutes earlier. 

So I then called the gift card customer service number back and explained the discussion I had with XXXX and that I no longer had access to the website with the transaction information. They then explained that I could no longer have access to the transaction information unless I provided proof of receipt. This led to a repeat of the previous conversation and them not helping me. 

I am now suspicious that they are scamming me. Not only did they not help but they then took away information ( XXXX transaction number ) that may have allowed me to get it resolved through XXXX. I now have no options. 

Can you please help me get a new {$100.00} gift card. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

attached isa offfial copy of my chapter XXXX bankruptcy discharge date and time XXXX number from the judge who discharged my bankruptcy XX/XX/XXXX XXXX proof!
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Equifax, XXXX XXXX XXXX and XXXX XXXX with no successful resolution. XXXX  and Equifax were reporting me late. There was definitely an error on their part. I was never 30 days late.
Complaint sub-issue: Information belongs to someone else

TODAYS DATEXXXX XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  Dispute Department XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly, I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

My mortgage lender tried to pull all three credit reports, but Equifax was the only one they had problems with. They were unable to pull a report from Equifax. I attempted to call Equifax multiple times to speak to multiple different agents, all of them not only were difficult to understand but also were unable to provide any useful information about my account to me even after answering name, social security number, address, date of birth, loan histories, credit card accounts about myself. Their only proposal was for me to physically mail in personal identifying documents, quoting that it would take up to 2-3 weeks to finalize my identity and provide any useful information and a copy of my credit report. This is an unacceptable time frame for resolving any problems in the 21st century, and I may not be able to purchase our home because of this.
Complaint sub-issue: Account terms

XXXX has reported my payment status as " Pays As Agreed ''. However, the payment history shows late payments as much as 180 days late. Because of the late payments, the mortgage is reported as a negative account, which greatly impacts my credit score. I 've tried contacting XXXX and discussed the errors on the account. No changes was made. I 've disputed the negative items on my credit report with all XXXX bureaus, and gave supporting documentation ... loan agreement paperwork, historical bank statements, payment schedule agreement, and more. No changes was made. Before I pay for a lawyer, my hope is that CFPB can put some teeth into this matter and get it resolved. This issue is on all XXXX bureaus, XXXX, Equifax, and XXXX.
Complaint sub-issue: Debt is not yours

This morning XX/XX/2018 as i checked my XXXX  credit report, i noticed a collection from XXXX XXXX XXXX with an open date of XX/XX/2018. I did not open an account with XXXX XXXX XXXX or any original creditor. The original creditor listed does not provide services in my city or state. 


This Debt was disputed and removed from XXXX  approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company I C SYSTEM INC sold it to another collection company after it could not be validated. 

This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees.
Complaint sub-issue: Account status incorrect

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. NAME OF ACCOUNT : XXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX 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