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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish
Complaint sub-issue: Didn't receive enough information to verify debt

The week of XXXX/XXXX/2017, I received a phone call from XXXX XXXX at Alltran telling me that I owed XXXX XXXX XXXX ( XXXX ) {$2700.00}. Alltran 's case number is XXXX. Her phone number was XXXX, fax number was XXXX, email address was collections@alltran.com. When I asked for proof of the debt, she would not verify the details or the debt and said that she was asked by XXXX to collect the debt. I had a previous auto lease with XXXX, and I currently have a new auto lease with XXXX. XXXX accounts in good standing. I am deeply concerned about the tactics used by XXXX and Alltran to try to collect debts that I do not owe. I have perfect payment history on all my loans. I have never had any delinquencies or collections. I have asked for proof of my debt, and provided XXXX  proof of my payments to XXXX. But XXXX has failed to respond to my request of proof of debt.
The lack of proof from XXXX and Alltran makes this attempted collection really suspicious. Please help me resolve this matter.
Thank you, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX 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: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. The Equifax XXXX XXXX failed to comply with Fair Credit Reporting Act, XXXX USC sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$640.00} Date Opened:XXXX XXXX XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2400.00} Date OpenedXXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$1700.00}
Complaint sub-issue: Debt is not yours

I have already contacted the original owner of this debt ( XXXX XXXX ) they had no record of the debt on my account. After I contacted them, this debt was previously removed under the last collection agency that owned it. It has now appeared back on my credit report. This debt is not mine. Please remove the debt.
Complaint sub-issue: Information belongs to someone else

I have been in constant contact with Equifax since XXXX about the inaccuracies on my credit report, such as names, addresses and employment. I have also sent a certified documents to report the inaccuracies. Each month I call they submit a new dispute case and tell me wait 30 days. Today I called to inform them that the inquiries listed on my account are not authorized. I also informed them that XXXX XXXX XXXX account was in litigation and through the multi millionaire dollar lawsuit through my Attorney General ( Illinois ) and several other states the company was required to remove the account from the consumer credit report. Equifax has refused to update my credit report and send me an updated copy of my credit report.
Complaint sub-issue: Information belongs to someone else

I have sent in numerous letters and disputes regarding information that is reporting on my credit file that does not belong to me. I have sent over a copy of my identity theft report and filed previous complaints with the CFPB and the items are still showing on my credit file with Equifax, all other credit agencies have deleted the accounts listed fraudulently due to identity theft but each time i speak to representatives at Equifax nothing is being done. I have been hung up on and advised the dispute takes 30 days and have been waiting 45 + days to get results. Just recently i contacted equifax regarding disputes that were finalizing on XX/XX/XXXX and XX/XX/XXXX and nothing was blocked or removed. The creditor XXXX XXXX is still listed although i sent in a letter FROM THE CREDITOR that clearly stated the account was to be deleted. When i informed the representative of this he stated that it would have to be reopened to investigate it again. So i am expected to wait another 30 days after i just waited 30 days for this company to re investigate something that should have been done properly the first time. That is unacceptable. I also asked about the other items listed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX, i was informed that all items were still listed on my report. I have advised that i have no knowledge of these companies and that i AM A VICTIM OF IDENTITY THEFT. These items should have been REMOVED/ OR BLOCKED FROM MY REPORT PER FTC GUIDELINES. this process has not been followed and the unprofessional reps that are there to assist have no clue what is going on. This has created emotional and mental hardship and the next stage of this process if not resolved will be to file a civil suit regarding the inaccurate reporting and violation of my consumer rights.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello - I am contacting regarding Dispute XXXX. I sent you an e-mail from the merchant that clearly states that a refund will be offered, that the supplier they were using had issues and that the empty package was their fault and they apologized. I offered them photos at the time, and they said there was no need. You then responded by saying that the case could not be moved forward without more documentation, which makes no sense as I provided ample evidence that I am due a refund. 

I then contacted you on XX/XX/XXXX. I spoke to an agent named XXXX in XXXX. I repeatedly asked for a supervisor when she refused to assist me, and eventually she hung up on me instead of transferring me to a supervisor. 

I am attaching a full recording of the conversation with the first agent that transferred me to XXXX and with XXXX. I am also attaching the e-mails showing I am due a full refund.
Complaint sub-issue: Problem with customer service

On XX/XX/XXXX I opened a dispute on three separate XXXX advertising charges. Discover credited me the disputed charges while they complete their investigation. During the course of their investigation, around a month later on XX/XX/XXXX, they sent an email that I should call regarding my account without any other context. I called that number and it was the automated line for customer service. 

On XXXX I received an email that the investigation was not found in my favor and the money was again charged to my account. Looking over the documentation provided from the investigation, I could see that the merchant information had " XXXX XXXX, CA '' and " XXXX XXXX '' in the address with an incorrect zip code. 

Obviously, there wasn't much done in their investigation and I just spent hours on the phone with them for them to only tell me that it will take another week. 

Discover operates, like most companies, on a " someone else 's problem '' type of support. As long as the customer swirls around enough through the crapshoot of support, they'll eventually get the problem solved. A lot of XXXX falls through the XXXX with this operating model, clearly.
Complaint sub-issue: Account information incorrect

XXXX  XXXX XXXX XXXX conducted a hard inquiry on my credit report. Equifax states I need to contact XXXX XXXX XXXX XXXX to initiate the dispute. With a letter from them, I would then submit it to Equifax in order to remove the inquiry. 

This process leaves the power of an institution to make a mistake and removes my ability to have any effect on my credit file. As I have no relationship with this institution they may be less interested in providing me a letter which can lead to an inordinately lengthy resolution, if one can be attained at all. 

This is a problem!
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I made 2 purchases on my Direct Express account on XX/XX/2020 & never received the merchandise. Three weeks ago I mailed in the dispute forms & was told 3 days ago they were received but no action was taken. I've been calling Direct Express for 3 days & have been put on 1.5 hour hold times. This is exceptionally frustrating that Direct Express is operating in this manner.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to COVID. I am asking that these items be removed from my credit report.
Complaint sub-issue: Personal information incorrect

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XX/XX/XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX/XXXX # XXXX, account is reporting 30,60,90 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Complaint sub-issue: Information is not mine

On the credit report equifax there is a name listed there that I have never seen i do n't know who that belongs too and must be fixed
Complaint sub-issue: Their investigation did not fix an error on your report

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. XXXX 1681e ( b ) and 15 U.S. Code 1681 ( XXXX ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Complaint sub-issue: Problem getting my free annual report

The website set up by the XXXX major credit agencies ( XXXX ) no longer provides any reports online. Equifax and XXXX directs the user to write for the free report and requires a long list of documents in order to fulfill the request. XXXX 's site just stalls for hours until user finally gives up. As soon as the session was over, Equifax sent me an email advertising their pay services. It is clear they are trying to circumvent the federal law requiring them to provide free credit reports.
Complaint sub-issue: Account information incorrect

the fcra requires all beureas to report factual and accurate information at all times and these invalid accounts on my credit report are in violation of fcra sec 609 and 623 - b as well as fdcpa 807-8 i request with legal rights that these incorrect accounts be removed immediately or i will procede with civil litigation for violations of the statutes
Complaint sub-issue: Billing dispute

I received a letter from Citibank stating that I needed to go to www.citi.com/refundinquiry as I may have been overcharged for monitoring services during my 10 year tenor with the bank. When I went o the website there was no page. 
The letter stated the claim would need to be filed before XX/XX/XXXX 2017. I was provided a reference number to get started and that did not work.
Complaint sub-issue: Threatened or suggested your credit would be damaged

In XXXX of 2020 someone kept calling me posing as a process server asking me to confirm personal information and implying that there is a Court filing against me, the person was elusive as to who they worked for, however I linked the call to Afini Inc collection agency Th is person continued to call and threatened to go to my place of employment and my home. 
The debt they are trying to collect on is for {$250.00} and the original creditor is XXXX. 
Shortly after the seventh phone call the debt appeared on my credit report In XX/XX/2020 I sent a cease and desist letter, after Afini, Inc received my letter. As a retaliatory act - the company flagged the account as a grid code G to significantly damage my credit. 

The above mentioned collection agency acquired this debt from another collection agency of which I filed a formal complaint against for harassment and failure to validate the debt as a result the debt was removed from my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

They pulled my credit report without my permission i did not authorize this credit pulled so it put a hard inquiry on my credit report without my permissions
Complaint sub-issue: Account information incorrect

multiple accounts are reporting incorrect balance information on my credit file.
Complaint sub-issue: Information belongs to someone else

USPS TRACKING # XXXX I've sent a dispute previously to Equifax to investigate and remove some fraudulent information from my credit report. They'll yet to reply to me, so I'm sending in another dispute with a complaint. I have documentation directly from them that I received in XXXX that listed me as victim of the data breach. My SSN, ID, and other personal information were exposed. I just want this issue resolved, I did not benefit from any of the accounts that were opened, as they have prevented me from obtaining any new credit lines and for my own accounts to be closed and or reduced. My previous dispute was sent and received back in XX/XX/XXXX, and another in XX/XX/XXXX, I've also sent a complaint though this portal.
Complaint sub-issue: Information belongs to someone else

Happy holidays to you and thank you for your assistance. 

It is very hard dealing with this but I will keep being positive to make things right. Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complain myself from my personal computer. I am fully verified.. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
Complaint sub-issue: Personal information incorrect

I have incorrect addresses that need to be removed from my credit report, please.
Complaint sub-issue: Their investigation did not fix an error on your report

Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX  XXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.
Complaint sub-issue: Information belongs to someone else

The accounts below are reporting on my personal credit file with EQUIFAX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I received a bill in the mail in XXXX XXXX for a XXXX XXXX XXXX  account unfamiliar to me. XXXX None of which Ive used or opened this account.
Complaint sub-issue: Account information incorrect

My XXXX XXXX account was opened in XXXX and payed as agreed and closed. Equifax is now reporting 2 late payments in XXXX and 2 late payments in XXXX. There has been no activity on this account since XXXX and was closed in XXXX. These late payments are false and should immediately be removed. Equifax noticed the discrepancy and assured me these late payments would be deleted. I called them back to check the status and they told me it was never removed. These false late payments are affecting me negatively and Equifax is reporting this misinformation still.
Complaint sub-issue: Reporting company used your report improperly

I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX accounts on my credit bureau reached the 7 year statute of limitations. The original month/year of of first delinquency was XXXX which made the date of deletion XXXX, XXXX. The accounts were recently re-aged which changed the date of 1st delinquency to XX/XX/XXXX which changed the date of deletion to XX/XX/XXXX. This is against FCRA regulations. I want these accounts removed from my credit file. XXXX has already deleted them and they are scheduled to be deleted by XXXX. Below are the accounts in question : XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX
Complaint sub-issue: Account information incorrect

Reported fraudulent reporting to all 3 agencies, XXXX, Equifax, XXXX. All three agencies kept reporting fraudulent late payments on mortgage ( XXXX XXXX XXXX.Reported fraudulent reporting, agencies failed to remove fraudulent reporting - continuing false reporting for 10 + months, totally decimating my excellent credit.
Complaint sub-issue: Was not notified of investigation status or results

I disputed incorrect information on my credit reports in XXXX and still have no completed results.
Complaint sub-issue: Company closed your account

Discover card demanded that I give them permission to demand my tax returns from IRS, I refused they closed my card, send me letter today XX/XX/19, kept my rewards almost {$150000.00} + miles. I was never late with my payments. Spoke with mngr XXXX from OH yesterday he trolled me for 2 hours with all sorts of nonsense, refused to release my rewards and stated card was closed on XX/XX/19 because I did not release access to my taxes from IRS. 
Also my rewards are voided because I did not call and ask to redeem. Then he listened to my call from XX/XX/19 when I asked to redeem my rewards but said that I did not ask properly. I was never late with my payments and had card for over a year. Discover is acting like a true troll and scammer.