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

On XX/XX/2020, I disputed inaccurate information reporting on my credit report by XXXXXXXX XXXX. I was notified by the 3 credit reporting agencies, Equifax, XXXX and XXXX  that the information was verified. I disagreed with this information, so on XX/XX/2020 I sent a follow-up to the 3 credit reporting agencies that I disagreed with the information reported and requested their method of verification as in my research, I found they should be able to provide me. Again, they verified the accuracy of the reporting and made no changes. 

On XX/XX/2020, I sent a request of verification to XXXXXXXX XXXX so that I can see how and why they have verified this information with the 3 credit reporting agencies, yet, all 3 of them didn't report the exact same thing. Again, in my research, I found that the FACT Act allows me to go directly to the original creditor under Section 312. I requested a bunch of information, however they didn't provide me with the requested information. 

On XX/XX/2020, I sent another dispute to the 3 credit reporting agencies to let them know that I have not been able to obtain actual verification of what XXXXXXXX XXXX  is reporting. I notified them that the information is inaccurate and unable to be verified per my request. 

On XX/XX/2020, I sent another dispute to XXXXXXXX XXXX to notify them that I've had my rights violated. 

In my research, I found something called Appendix B to Part 1022 - Model Notices of Furnishing Negative Information. My research shows that a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix. I would like to see the actual document that was sent to me to verify that my rights have not been violated.
Complaint sub-issue: Other problem getting your report or credit score

* Equifax was unable to provide my free credit report and was not able to explain why. They required me to submit a dispute and proof of identity, which I did * Dispute results showed : " The worker ID number is issued by SSA for work purposes only. This number is not issued by the SSA as a SSN. The worker ID number is not issued by the SSA as a SSN and can not be added to your Equifax credit file. '' * Called SSA and was informed that this distinction does not exist - that even if the number is issued for work purposes ( on H1B visa ), it should be valid for credit purposes * SSA advised me to contact federal trade commission ( FTC ) to resolve * Desired outcome : Would like ( 1 ) Record to be amended such that Equifax has access to my SSN ( 2 ) Credit history to reflect the past ~8 months I have lived and worked legally in the US - i.e. I should have a credit history and not be starting from scratch
Complaint sub-issue: Debt was paid

On XX/XX/2022 I reached a settlement agreement with Jefferson Capital Systems for a debt they purchased from XXXX XXXX. The settlement was for {$2800.00} and broken down into XXXX XXXX monthly payments. 

The first {$150.00} payment was made on XX/XX/22. The second {$150.00} payment was made on XX/XX/22. The remaining balance of {$2500.00} was paid in full on XX/XX/2022. 

Instead of updating the account to show that it was settled on my credit report, Jefferson Capital just reduced the original balance and still shows a past-due balance. I disputed this through the credit bureaus and it came back as verified and accurate. I then emailed their general counsel and he was completely non-responsive.
Complaint sub-issue: Information belongs to someone else

This account is dose not belongs to me XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. On XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX XXXX added a derogatory mark on my credit report per Equifax. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by Equifax has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA XXXX, XXXX, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Complaint sub-issue: Information is not mine

I have been disputing an account that is reporting on my credit reports that are due to identity theft. There is a XXXX XXXX account that was opened up in my name frauduantly. I have disputed this time and time again. Finally XXXX has confirmed it was identity theft and was told they are removing it from my credit report. However I just received an e-mail result from equifax stating there investigation shows that this account belongs to me. I am furious that this is still continuing and it is affecting my credit score and me in obtaining credit. I have called XXXX XXXX thousands of times requesting how I go about reporting this fraud account? I was told I need to fill out a form. ( I requested that form to be sent to me and never received it ). I am about to spend the money to obtain an attorney to sue XXXX XXXX as they keep reporting this fraudulant account on my credit report. This is beyond ridiciulous and I am going to be taking further action because it is affecting my credit. I am being held responsible for something I DID NOT DO. I am submitting this complaint in hopes that this gets cleared up and rectified.
Complaint sub-issue: Overcharged for something you did purchase with the card

I noticed my Best Buy card balance increased, when I called I was told the balance was due to zero finance interest expiring. I'm being charged {$900.00} on a {$34.00} balance. The representative assured me it would be removed once the {$34.00} was paid which I did while on the call. The {$900.00} has not been removed. Best Buy website does not allow for allocation of payments made. If you're making on time monthly payment additional payments I would think the funds would be allocated to cover charges made on zero interest plans.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States that I have a right to privacy.

15.U.S.C 1681 Section 604A 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 found out XXXX 2015 that i was a victim of id theft. I contacted all bureaus and the IRS to inform them of the fraud. Both XXXX and XXXX have cleared me of all credit cards that were fraudulently open. Equifax is the only company that continues to deny my request. They continue to report a XXXX card that i never had. I have sent numerous amounts of dispute which all included copies of my Id and SS card to prove my identity. I have also had numerous conversations with the company informing them that i am the XXXX generation, and the birth date and address that are associated with the fraudulent cards all seem to represent my father 's info with my social. The year that the cards were open i was a minor and was n't even aware nor was i old enough to establish credit.I am tried of fighting this with equifax. please help me with this because it has been going on too long.
Complaint sub-issue: Information belongs to someone else

I contacted Discover Finicial Services in order to figure out why I have a outstanding balance and why I had a open account that was reporting under a different name but same social, It was identify theft. I left them know that I never opened a account with them and they proceeded to tell me that the account was sold off and they couldn't do anything to contact XXXX dispute it and get removed even though the account is not in my name.
Complaint sub-issue: Problem with rewards from credit card

Filed dispute with Citi Costco credit card which was resolved for {$6700.00}. I requested payment by check which has never been sent from Citi Costco. Numerous calls have been performed to both customer service and dispute department with agents claiming no communication between departments have been made to release the funds by check after being verbal told and by written confirmation that such action has happened. Dispute department agents repeatability have denied communication with sent letter from Citi confirming dispute details and situation of rewarded settlement. It appears the practice of misinformation between inter departments handling my dispute has resulted in nonpayment of awarded funds as Citi Costco is taken the incompetent approach to not pay what was settled.
Complaint sub-issue: Debt was result of identity theft

I am a federally protected consumer and a natural living person. I am aware that this company by the name of Collecto/Eos Cca , is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe you this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Collecto/Eos Cca should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XXXX of XXXX I started receiving a bill from Sears Credit Card Services, STATING I owed money and to respond within 30 days. I called them and explained I had not been using my SearsCard and there was no way I could owe money. 

They stated that the balance was not from me using my Sears card but a balance transfer from another account. I asked for a copy of their records and they stated they were the collections part of the Sears and only had a record of what the debt was " XXXX XXXX and a dollar amount in XXXX ''. 

I told them this was fraud I paid my bill in XXXX and need them to tell me what payments they received towards the XXXX XXXX. They again stated they were the Sear 's Debt collecting Agency and they had no records of any payment activity only the amount they were to be paid. 

I then called Sears Customer service and spoke with two operators the first told me to pay my bill if I did get my ducts cleaned I owed the money the second which was supposed to be her supervisor stated that I needed to speak with another department. She sent back to collections and to the a different collections representative who put me on hold to review my account and never came back on the phone. 

The Collection Agency continues to call all times of the day and will not listen when I explain I have already paid this Duct Cleaning Bill. They state for me to send in proof of payment which I have but I do not want these crooks to have my routing number and checking account number. 

I have copies of my XXXX check book register as proof of payment. Please make them clear this fraudulent debt, and stop calling me. 

How can a company bill you 3 years after you have paid a bill and add interest and fees? 

Please help.
Complaint sub-issue: Overdrafts and overdraft fees

This has been an ongoing problem and I have called on 2 separate occasions to complain. I have 2 accounts ( checking ) one has an overdraft line of credit and when I transfer money into it the online program has it immediately removed from checking account and when I look at the line of credit it has what I transfer under Available Balance however if some ACH payment occurs or I use my debit card I get charged for an overdraft fee and am told it wasn't credited yet-. The online banking should then not have it under Available balance its deceptive and has happened when I transfer from the account which has the overdraft protection to the overdraft how is that possible - it means the money is in neither account but in limbo and they charge me as if it wasn't there while it's processing??? The same bank charged me XXXX to check balance- at another bank machine which I would be ok with but to charge an overdraft fee for the XXXX $ seems to me to be criminal. I hadn't followed up with them since the last two times I was wasting my breath- I even sent screen shots showing the available balance line. I get passed from the brank division to the credit card division ( my line is XXXX + XXXX credit card. ) I was financially devastated by recent hurricane so now its a big issue. I have no idea how many times it has happened because I am a small business and constantly over drawn - which is not to say I think that's good or ok either but my husband became XXXX and so we are constantly scrimping and I often am not paid for XXXX - 60 days after completing a job so it happens. Branch Banking and Trust
Complaint sub-issue: Problem making or receiving payments

They are no longer connecting with the XXXX account so when my tenants pay rent I can not access the funds to be moved to my bank account
Complaint sub-issue: Debt was result of identity theft

I recently noticed a collection account from XXXX XXXX which I have no such account as described in the reporting to the credit bureaus. I know this must be Identity-Theft or a serious error on their part. I am not the owner of such an account with XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021. I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Account information incorrect

In XX/XX/2021 XXXX/XXXX XXXX sent me a 1099C deeming the account settled in full, I have made several attempts since XX/XX/2021 to settle and pay this account. XXXX XXXX has continued to refuse my payments, the balance on this account must be brought to a XXXX  balance. A 1099C satisfies this debt and must be reported accordingly. I have started disputes with XXXX XXXX, XXXX, Equifax separately and to no avail. XXXX  is the only bureau to report this correctly after the dispute. XXXX, Equifax and XXXX are still reporting the account to be {$7300.00} past due in XX/XX/2021.
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle for a 2020, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. USDEPED XXXXXXXX {$18000.00} USDOXXXX XXXXXXXX {$46000.00} XXXX XXXXXXXX {$8500.00} XXXX XXXX {$1300.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX   XXXX {$26000.00} XXXX XXXX XXXXXXXX {$3300.00}
Complaint sub-issue: Information belongs to someone else

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX   XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Complaint sub-issue: Reporting company used your report improperly

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

The disputed account : XXXX XXXX XXXX  XXXX XXXX {$520.00} According to the law 15 U.S. Code 1681i - If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This matter is a violation of my rights and I would like this account deleted from my account on these bureaus.
Complaint sub-issue: Account information incorrect

I 've called and written in to XXXX XXXX XXXX several time in which I have proof of signature of documents sent. I have one XXXX card account however a duplicate account is appearing on my Equifax credit Report only. XXXX and XXXX have one account and the correct info etc. I have asked XXXX to review the duplicate account that reflects incorrectly a credit limit of {$300.00} with a balance of {$420.00} over the credit limit. In addition the correct account does reflect with my credit line currently at {$1100.00}. I have been disputing this information with both Equifax and XXXX and received response that the duplicate over the limit account is correct. However when I call into customer service I am told its incorrect. None the less after writting to XXXX Legal department and Credit Line department I received a letter dated for XX/XX/XXXX inwhich I am attaching a copy to this file. Its stating from XXXX that they found the account to be a duplicate and have notified the credit bureaus to remove the duplicate account. I have waited well over 30 days going currently 45 days at this point and time and no update have been made. I am in the process of seeing to purchase a home and the mortgage company is questioning about paying down my over the limit XXXX Credit Card. I am not able to because its not correct and this is killing my credit score per the credit utilization reporting. I have spoken to several supervisor at XXXX. The last supervisor was very helpful but finally called me on XX/XX/XXXX to informed there is nothing more she can do for me. This is unacceptable when clearly XXXX had admitted to fault and have not fix the mistake and hardship they have caused me. Her name is XXXX and her phone number at XXXX is XXXX direct. <P/><P/>thanks XXXX XXXX XXXX
Complaint sub-issue: Problem with customer service

I called XXXX on Wednesday ( XX/XX/2019 @ XXXX ) to get guidance on the Temporary Expanded Public Service Loan Forgiveness program.

The customer service person answered with a strong XXXX accent and  without asking what I needed, requested my name and social security number. It felt weird. I mentioned this fact, but he told me he needed the information to see if I " pre-qualify '' for the program. I gave him my social. 

Then he asked for my birth-date. I asked if he could see anything about my loans ( to verify he was actually getting information ). He responded he saw I had two loans that may qualify, but he needed to know my birth-date to verify it was me. 

The number seems legit, and I was referred to them by XXXX. 

He told me I had loans from " XXXX '' ... which was incorrect ... but it was too late cause he had all my information. He then CLUMSILY guided me through the website to download a form. His services didn't have anything to do with the actual process. 

My Problem : This is the age of identity theft. The number and info still come ups as being legit..but I feel like it was a scam. It had ALL the telltale signs ... but I feel helpless in telling the difference between something legit and something wrong ... and there is something definitely wrong with how this played out. I think they are violating what they should/should not request from their customers. 

There has to be laws to help protect us from just handing out information like this. 
Please help.
Complaint sub-issue: Account status incorrect

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am in the process of purchasing a home, however, there are inquiries on my report I do not recognize. I am a couple of years out of a bankruptcy and despite my improved credit, paying a loan off and monitoring my credit my score keeps going down from inquiries I do not recognize.