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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the incorrect information about my account has been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 is the account that is still reporting on my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/2021 Balance : {$920.00}
Complaint sub-issue: Problem with personal statement of dispute

I have sent several letters to the three reporting agencies and to XXXX about this account. I have asked for original paperwork to support the loan. All I have received is a promissory note. I asked for all paperwork with my ID attached. Never received what I asked for. As I periodically checked my credit report, I noticed the account was closed and transferred. I filed my taxes and found out the day that I was to receive my refund that it went to the Department of Education. How can they collect when they closed out the accounts and transferred to what I found out is XXXX XXXX XXXX? I called XXXX on XX/XX/XXXX and they told me they closed out the loan and transferred to the collection agency. Again, how can they collect on a debt when they no longer own? The lady I spoke with on XX/XX/XXXX told me that a letter was sent to me dated XX/XX/XXXX stating that I had 65 days to take action. I told her that I never received it. She stated she could send me another letter. The lady also stated that she will contact my employer to garnish my wages. I spoke with an attorney and that is not legal in Pennsylvania or Texas. What good will that do? They already took my money and as far as I am concern, the letter comes after my tax refund was taken. The problem is collecting on a debt that they no longer own. If I had received the letter, I would have taken action. I never mess with the IRS or let anyone take my tax refund. And if XXXX owns this loan now, what happened to them contacting me, why does it not show on my credit report? XXXX should not be able to collect on debts they stated that they no longer own. On my credit report, these items show as closed/transferred. They should not be an exception to the rule when it comes to collecting a debt. They should be held to the same standards as all creditors.
Complaint sub-issue: No notice of investigation status/result

Equifax / cfpb denote if Equifax is willing to settle on removing all item that I been disputing with them for Months and all credit inquires that does not hold any opened accounts in my credit file I 'm willing to drop all investigation with the cfpb and any other parties who is involved Like I said In prior disputes here I 'm not looking for any money or any trouble or etc I just want what I 'm entitled to per the law. If they can give me their word and see to the above opened statement in this dispute I 'm willing to settle this and wipe this all away!
Complaint sub-issue: Account status incorrect

On XXXX 2013, a guy approached my husband at the hospital waiting room meanwhile I was at the XXXX room, convinced him of this equipment rental for my post-XXXX recovery, got my credit card and personal information from my husband and disappeared. Stressed as my husband was waiting for the outcome of my XXXX, he thought that this guy belonged to the hospital personnel and he was n't we found out later. 
The rented Item was never delivered to my house, being an equipment rental, if it would had been delivered to my house, they would have had to pick it up as well. The pickup never happened because the item was never delivered. 
Since the item was charged into my credit card by XXXX XXXX, I called XXXX XXXX Credit Cards and told them that I never received the item. After a thorough investigation XXXX XXXX removed the charge from my credit card account. 
A year later or more, I received a call from a Collection Agency, XXXX XXXX XXXX XXXX, trying to get money from me that I never owed. According to this Collection Agency, the debt to a XXXX XXXX XXXX. I told XXXX XXXX XXXX, what happened again, that the item was never delivered to me. 
I also expressed to the Collection Agency, that if they had bought a debt that never existed from XXXX XXXX, they were supposed to take it against XXXX XXXX and not harass and yell at me, like they were doing every time I answered the telephone. 
I just learned from XXXX and Equifax Credit Report Agencies, the complete name of this Collection Agency that was calling me since I had a hard time trying to get their name because whenever I answered the telephone to them, they were always shouting at me and trying to intimidate me to make me pay for something that I did not owe, and do not owe. 
According to the Credit Report Agency XXXX, this Collection Agency has LEGALLY CERTIFIED that the debt belongs to me and that I did not pay it. 
My question is, how can a company LEGALLY CERTIFIES something that is not true. Moreover, try to hurt my Credit Record where I have always kept an average score of XXXX or more, since I do not like to owe, and I pay all my accounts in time. 
Based on what criteria Credit Report Agencies, believe Collections Agency statements over customers statements that have never had a collection, and have never paid late. 
Why not asking for trustworthy proof before placing a collection in my account. By not requesting proof or support for their allegations, before publishing something that hurt my name and my records, the Credit Report Agencies become accomplice of these type of unscrupulous Collection Agencies.
The same way that we might have not received approval for a credit card or a loan, based on this false information published, there should be a penalty for the Credit Report Agencies and for these Collection Agencies for giving false information to vendors or providers.
Thank you very much for your prompt attention to this matter, and looking forward to hear from you soon since I consider these false accusations in my credit reports to be damaging my image and my reputation.
Complaint sub-issue: Information belongs to someone else

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00}. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on Equifax, Experian & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, 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. The companies above has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, Affiant is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Complaint sub-issue: Information belongs to someone else

As a consumer I view my credit report as I was getting denied for credit. As a result of this I have discovered 2 accounts reporting on my credit file that is identity fraud.. These accounts are from the collections agency on behalf of XXXX XXXX XXXX for {$2500.00} and XXXX XXXX XXXX XXXX for XXXX.. I have spoken to Equifax on several occasions and provided them with a copy on a police report that was file.. They have failed to remove the item off my credit report. In the event that I am trying to establish a life for me and my kids these fraudulent accounts are putting a hold on my life and I should not have to suffer nor does my family.
Complaint sub-issue: Debt is not yours

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. I received a letter listing items that are supposedly owed to another company. I then mailed a second verification letter, ( signed and received on XX/XX/XXXX ), asking them to prove to me : 1. How this is proven to be mine? and 2. How do i owe Americollect? I received a second letter from them stating my request was " frivolous and irrelevant. '' I have given well over the original 30 days to respond with validation of their claims with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
Complaint sub-issue: Other problem getting your report or credit score

Please help. Lenders cant pull my Equifax report. Im unable to pull my Equifax report no matter which site I use. Ive tried many sites. Ive called Equifax many times & no one can tell me what the problem is. Equifax stated they dont see a problem on their end. I know its not the potential lenders fault because I cant view it using any credit report website either. Please fix this as soon as possible it is a huge inconvenience.
Complaint sub-issue: Didn't receive notice of right to dispute

To Whom it may concern, This letter is to inform you that 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 are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

DISCOVER BANK XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Complaint sub-issue: Company closed your account

I opened a checking account with Citibank in XX/XX/2021. 

I used the account to make and receive transfers, as well as deposits for online gaming, which I do regularly. The deposits to online casinos gaming websites in New Jersey are all legal and regulated by the New Jersey Division of Gaming Enforcement. 

After a few months, I tried to use the account as normal but noticed that Citibank had locked access and frozen my funds. I contacted them on XX/XX/XXXX and they would not give me a reason for the blocks but that an investigation was underway and the account was being processed for closure. 

They told me I would receive a letter detailing the closure in the next 15 days. No letter arrived, so on XX/XX/XXXX, I contacted them again to be told the letter will now arrive in 30-60 days. Again the letter never arrived. 

After contacting them again a few times they would not provide any information about what was happening. Eventually, on XX/XX/XXXX, they informed me that there were no longer any funds in my account and that I'd receive my money via a check in the mail. I did not receive a check for the balance. 

Every time I call I get bounced around different departments and need to explain myself over and over and no one ever gives me any information. 

Eventually I went into my local branch. I was told that there was suspected fraud on my account, and that you are withholding my money. The only way I can get my money back is to contact the casino that the withdrawal came from. 

I have checked my casino account and no money has been returned to the account and I don't know where the money has gone. 

They have now repeatedly told me I am not going to get my money back and have provided absolutely no reason. 

The balance of the account was {$2100.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$920.00} XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$3500.00}
Complaint sub-issue: Information belongs to someone else

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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$160000.00}.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

for the last 6 months i have been trying to resolve this with ciitibank credit card they say i owe statement still shows i owe large amonth when they was to be taken off my account back many many month ago. i paid this credit card off completely and it shows on my credit report i still owe them {$1100.00} and cards been paid off because those amounts was fraud charges that many times i gave them wheni call but still send me statements i owe this amount and the manager told me pay the amount we are agreeing on of {$630.00} which i did and she said any interest or late fees will be taken off your account if they get charged to it, i need this resolved asap. shows on my credit report i owe this amount of {$1100.00} when the card is paid off in full cause those was fraud charges that they said woudl be takin off.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX INQUIRY - XXXX - - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
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 this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and correct : XXXX XXXX Balance : {$8300.00}
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX