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

My complaint is with Equifax Credit Bureau.I have verifiable court documents, proof from the agency ( Attorney General Texas XXXX XXXX Account number # XXXX ) reporting info. And it is opposite of what Equifax is reporting. Equifax is Reporting my account over 120 days late on my monthly payments. My payments for XXXX XXXX come out of my check weekly. I am submitting this once again. Equifax says they have verified it, but there is no way. I have submitted documented proof admissible in a court of law showing all my monthly payments have been up to date. They must correct this info or delete the derogatory info. They deleted it once only to put it back 2 months later. It has hurt my ability to obtain credit. I have filed complaint with Equifax 4 times always getting answer verified as the same answer. This is false info. I have submitted all documents proving my case. If they took the time to look at these documents.. They would see they are from the same agency Attorney General of Texas which they said they verified it with. And these show my payments on time.. which means they didn't verify it as true. And these documents are admissible in a court of law.Please help me as this info they are reporting for Attorney General XXXXXXXX XXXXt account # XXXX is totally false. I am attaching all documents for you to see. I have asked over and over to correct it or delete it from my reports. They are violating the law. I ask that this be permanently deleted from my credit report. If it isn't I will retain legal representation to uphold my rights according to the fair credit act.. I have documents of payments being current that is admissible in a court of law. Once XXXX if they would look at these documents they would see they are reporting wrong info. These are documents admissible in court of law which show my monthly payments up to date. Up to XX/XX/2021 with no late monthly payments. I am also submitting copy my driver license for ID. Once again these documents show my monthly payments are on time which means they did not verify the payments as current. My social security number is in documents
Complaint sub-issue: Debt was paid

During the pandemic starting in the beginning of XXXX, I was so behind on bills. My employment suffered which made things not better. I also caught XXXX XXXX as well. But I do remember a settlement letter from XXXX XXXX XXXX who represents BEST BUY about settling the account for XXXX. I immediately jumped on it because I had to catch up. It took me 4 payments and I even got a letter from them stating that it's paid. On my credit report though it states that they closed the account and charged the amount off, but it still saying XXXX dollars is still past due. INACCURATE. I had a similar debt with XXXX XXXX in which I also settled with them. They closed it and there is no balance due showing on my report. So why can't BEST BUY do the same. I just want it show closed with XXXX balance
Complaint sub-issue: You never received your bill or did not know a payment was due

Good Afternoon BestBuy/Cbna Representatives, I was actually shocked today when I signed up for a credit monitoring site and noticed that there were some late payments on my credit report. What actually hurt me more, is that I have an exceptional payment history with this company since XX/XX/XXXX with no late payment and now you guys marked me late in XX/XX/XXXX for 30 days late. If you check my overall creditworthiness, you will see that I pay all my bills on time with absolute NO late payments. I really love the relationship I had so far with you guys, and I'm certain that this was a mistake. 

I work in XXXX Industry ( XXXX  XXXX XXXX ), and even though i haven't worked since late XXXX i still pay my bill before i actually buy food due to the relationship i have with my credit card companies and the obligations I have. Honestly, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

Sorry for my grammatical errors as English is not my strongest language. I speak XXXX XXXX and XXXX. But Thank you in advance.
Complaint sub-issue: Information is not mine

I received a copy of my credit report and it shows that I have an account with XXXX XXXX, with a balance of over {$20000.00} and that I have n't paid in over 6 months. I immediately sent XXXX a certified letter " requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX and Equifax ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. '' XXXX received the letter and signed for it on XXXX XXXX, 2016. They did not respond with in the 30 days allowed. I sent them another letter ( which was received and signed for on XXXX XXXX ) informing them that they violated federal law and they did not send me any evidence bearing my signature. As of today, they have not sent me any evidence, with my signature, that the account legitimately belongs to me.
Complaint sub-issue: Information belongs to someone else

My identity was stolen in 2016 resulting in bank closures and credit cards over drafted. I tried to settle the issues with the companies directly and received some levels of success into discharging the debts per the original companies. I then filed a police and an FTC identity theft report and listed those debts on those reports. I was successful into removing inaccuracies from XXXX  and Equifax ( some ) but not XXXX  even though I have tried many many times and had sent into supporting documents as well. They will not open up another dispute for any inaccuracies after a decision is made despite home having other supporting documents. Ive sent in those documents and they update information that are still inaccurate but will not allow us to dispute those accounts again..ever. XXXX is the only credit reporting agency that continues to report inaccurate information about me and refuses to let me dispute those inaccuracies again despite having more information and supporting documents. XXXX  continually allows old disputed information to come back and again be reported on my credit report after it had been resolved and deleted in prior disputes. XXXX XXXX had already been deleted from my XXXX  credit report in the past but I dont know why its reappearing again without giving me the ability to dispute it again.
Complaint sub-issue: Information belongs to someone else

There are 4 accounts on my credit report that do not belong to me I have sent out multiple letters to the bureaus as well as the furnishers on these accounts and they are not willing to help me or to open an investigation These accounts were never authorized or used by me I have no such cards in my posession and I dont know what these accounts are for or how they ended up in my credit report. 

XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX/XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$5200.00} XXXX XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$7300.00}
Complaint sub-issue: Problem with product or service terms changing

According to the website created by Equifax in the wake of their data breach, it is likely that I am among the 143 million people compromised. I do not wish to take part of their services in response to it as that would waive my right to a class action lawsuit.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX, VP of Lending and XXXX XXXX, asst VP of Lending are falsifying my modified Equity loan with efforts of suppressing my credit score with Equifax, XXXX, and XXXX. I modified this Equity loan  XX/XX/2018, I've never been over 30, 60, 90, 120, 150 nor 180 as teported on my credit report. This Racially charged effort by both XXXX XXXX and XXXX XXXX has lowered my credit score and sabotaged my credit POWER as an consumer.
Complaint sub-issue: Other problem getting your report or credit score

The credit bureaus are refusing to give me my reports. All my consumer reports, XXXX  reports, and IRS transcripts show someone else has veen usi g my name and social with incomes, taxes, insurances, XXXX, medical care, and now they are refusing to send me my reports. I have a ton of breach reports and now XXXX XXXX for my tax acxountant breach and still not being given my repirts.
Complaint sub-issue: Information is not mine

Equifax will not remove inquiries that were not allowed by me. I contacted XXXX XXXX and even received a letter advising Equifax to remove the inquiry. Contacted Equifax on XXXX ( before I received the letter ) XXXX, XXXX, and recently XXXX. Always receiving that inquries are a factual occurance and will not be removed, see attached letter from Equifax.
Complaint sub-issue: Information belongs to someone else

XX/XX/2020 I TRIED TO CALL XXXX XXXX, XXXX, EQUIFAX AND LET THEM KNOW THAT SOMEONE HAS TRIED TO SUMMIT FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT THEY FAIL TO HONOR MY REQUEST TO REMOVE THE INQUIRES DO TO IDENTITY THEFT I WAS HUNG UP ON AND ALSO COULD NOT UNDERSTAND THE CUST SERV REPS THEY DID NOT SPEAK ENGLISH THAT WELL
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL LOAN 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX  has not acknowledged my request for accommodation to credit reporting in accordance with CARES Act ( section 4021 ).

Although I have attempted mail and phone correspondence I have not received a response nor acknowledgement of my dilemma.

Earlier this year my wife was terminated from her job of 13 years due to the COVID-19 Pandemic. Amid the stress and chaos during this  period there was a lapse in accounting for my XXXX XXXX account. Typically, I keep the card paid in full perennially so I dont have to worry about the monthly bill. XXXX XXXX  reported 30 day late payment to all credit reporting bureaus. The balance on the XXXX XXXX card is minimal and the companys fees can make it easy to lose track of a card that rarely gets used. 

XXXX XXXX  touts XXXX XXXX Secured VISA card as a tool to improve credit. 

XXXX, I have had the {$200.00} XXXX XXXX ( Secured ) card  since XX/XX/XXXX and although I have multiple credit cards with other banks like XXXX  XXXX and XXXX with higher limits, this is the only card with a delinquent payment on my credit report. The 30 day late that was reported in XX/XX/XXXX is the only late credit card payment on my credit report which has a severely detrimental impact on my family. 

The opportunity to have late payment record for XX/XX/XXXX deleted due to turmoil during the COVID-19 pandemic would demonstrate professional courtesy, empathy and consumer loyalty during these trying times. 

The 30 day late report for the month of XX/XX/XXXX should be removed from all credit reporting agencies pursuant to Cares Act ( section 4021 ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following addresses and phone numbers have violated my rights. 

1. XXXX XXXX XXXX XXXX XXXX, Tx XXXX 2. XXXX XXXX XXXX XXXX, Tx XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone numbers : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 15 U.S.C 1681 Section 604 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: Information belongs to someone else

I have contacted Equifax about 5 times within the last 45 days in reference to hard 10 hard inquiries appearing on my credit report in a 30 day period. My identity was compromised. I sent them a police report. They have yet to remove these inquiries. The have yet to provide me proof with my handwritten signature to show that I XXXX XXXX applied for these applications and signed. I am trying to buy a home amongst other things and these hard inquiries are affecting me in a huge way. I need these taken off my report asap. 

Ive sent the police report to XXXX  and XXXX who has cooperated and removed all 10. Equifaxhas not. 

The inquiries are : XXXX XXXX/ XXXX on XX/XX/2018 - Unauthorized, XXXX XXXX/XXXX   XXXX on XX/XX/XXXX - Unauthorized, XXXX XXXXXXXX XXXX , XXXX XXXX on XX/XX/XXXX &  XX/XX/XXXX BOTH Unauthorized, XXXX  on XX/XX/XXXX - Unauthorized, XXXX on XX/XX/XXXX -  Unauthorized, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX BOTH Unauthorized, XXXX  XXXX on XX/XX/XXXX - Unauthorized, XXXX XXXX on XX/XX/XXXX -  Unauthorized.
Complaint sub-issue: Account information incorrect

I reviewed my credit report and found the following items to be errors. Here as follows are the items in error : XXXX/XXXX, late payments XX/XX/XXXX to XX/XX/XXXX. Please verify, if cant be verified please delete immediately. 
XXXX XXXX XXXX, late payments XX/XX/XXXX to XX/XX/XXXX. Please verify, if cant be verified please delete immediately. 
XXXX XXXX. Late payments XX/XX/XXXX to XX/XX/XXXX. Please verify, if cant be verified please delete immediately. 
XXXX, late payments XX/XX/XXXX to XX/XX/XXXX. Please verify, if cant be verified please delete immediately. 
XXXX XXXX XXXX Charge Off. Please verify, if cant be verified please delete immediately. 
XXXX  XXXX Collection. Please verify, if cant be verified please delete immediately. 
XXXX XXXX XXXX Collection. Please verify, if cant be verified please delete immediately. 
XXXX XXXX ( Charge Off/Collection ) Please verify, if cant be verified please delete immediately. 
XXXX XXXX Please verify, if cant be verified please delete immediately. 
XXXX XXXX XXXX Please verify, if cant be verified please delete immediately. XXXX XXXX XXXXXXXX XXXX Late Payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please verify, if cant be verified please delete immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I paid my collection in full on XX/XX/XXXX with XXXX XXXX XXXX. On XX/XX/XXXX, they put a collection on my credit report and reported the balance as unpaid. I submitted a bank statement showing that I paid the balance. Equifax reported back to me that the company says the reported balance is correct and closed my dispute even after I gave proof. They are just taking the company 's word for it. I called the company and they said that this is equifax 's error, not theirs. Equifax says it is the company. I don't know what to do. I have other mistakes on my Equifax credit report as well, and I am afraid that Equifax will leave these discrepancies there. XXXX XXXX XXXX has the date that my account defaulted wrong, which would make the account stay on my credit report longer. I went delinquent in XX/XX/XXXX, and on my Equifax credit report, it says XX/XX/XXXX. I disputed this a long time ago and a response was not given. Months! I disputed again. I am hoping someone will help me get these errors fixed.
Complaint sub-issue: Problem getting your free annual credit report

I have not been able to obtain my credit report for the past several years online. Each time I attempt to get my report, I get a message that says I have to mail in copies of w-2 form, driver 's license etc. When I call Equifax 's customer service, I am told report can be mailed to me and it will take 5-7 days to reach me. I don't understand how the two other credit reporting agencies can provide this information online and Equifax does not. I shouldn't have to go through this unnecessary action each time I request my report.
Complaint sub-issue: Account status incorrect

Even perfect, true, correct reporting REQUIRES PHYSICALLY VERIFIABLE PROOF of ABSOLUTELY CERTIFIED COMPLIANT REPORTING. As an example, EQUIFAX is reporting, non compliant information on derogatory accounts, such as consecutive months reporting " 30 days late '' ( which is impossible ), six months of charge off reporting, balances on charge offs, etc. This is without adequate legal standing, in full accordance with the credit regulation compliance standard and laws. 

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Complaint sub-issue: Problem during payment process

On XX/XX/XXXX I had two CITI Credit Card accounts in my name. The first CITI account had a ( XXXX ) credit balance and therefore no payment was due.The second CITI account had a Balance due of $! XXXX which was due on XX/XX/XXXX. We paid on XX/XX/XXXX by Electronic check from our account at XXXX XXXX {$1500.00} but this payment was sent to the account that had a credit of ( XXXX ) so the credit increased to ( XXXX ) and the second account only received an automatic {$35.00} payment. When we noticed that we had a big problem. We contacted CITI since they had the money to please transfer to the correct account. CITI refused to transfer the ( -! XXXX ) to the bill due at their credit card account supposedly since they sent the money to XXXX according to their letter. Also please note That was our money not the Banks. XXXX shows no such credit to our account. 
When we contacted CITI they state that this account was transferred to XXXX XXXX we sent them a fax with a copy of everything on XX/XX/XXXX and have no reply.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have reached out too each company stating that I have no knowledge of these inquires on my credit. Each company stated that they have no knowledge of these accounts on their end and that I should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

This Nelnet account is hurting my credit score and cauing a negitative inpact on my reporting due to inaccuate reportings this account is paid in full I have a letter from XXXX XXXX XXXX XXXX that proves this account is not delinquent yet this is how it reads on my credit report. Please update status.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular law abiding consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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: Credit inquiries on your report that you don't recognize

I have noticed that PNC BANK have placed an inquiry on my XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both PNC BANK and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Complaint sub-issue: Other problem getting your report or credit score

XXXX won't let me gain access to my equifax report. it says that i can not accurately identify myself though the questionnaire after several attempts. i am assuming there is some form of credit fraudulence on my report which i don't know about and can't confirm my own identity ... 

equifax doesn't have an easy way to review my credit report like XXXX and XXXX do.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX XXXX has repeatedly charged me late on payments when in fact Im not late cant mail a payment in the mail they say they never receive it I call to pay it they charge me extra money I pay on there website it takes to long to receive payment and they charge me late Ive disputed every time and won the case but Im just tired of the emotional distress of my credit score dropping XXXX points my family depends on my credit please help me with is bunch of XXXX
Complaint sub-issue: Information is missing that should be on the report

Its been 30 days I havent received any help have tried to contact a variety of ways if the CFPB can not help me I will have to contact the attorney general or someone of higher ranking I put a dispute in last time and it never showed up even when I got a confirmation number. As for Equifax I need them to merge my files XXXX must have created another file instead of posting the line on my existing file. I need it reported.