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

There is inaccurate information posted on my credit report with XXXX. I have stated my reasons for disputing those accounts in the documents attached. I have sent XXXX requests ; Certified mail to resolve these issues with no prevail. Equifax is violating my rights by continues to report inaccurate information to my credit profile. XXXX XXXX : Certified XXXX XXXX  XX/XX/XXXX XXXX - I requested an open investigation of all of the inaccurate information that was reported to my credit file. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. Second Request : Certified XXXX ( XX/XX/XXXX XXXX - I requested a reinvestigation of the first dispute due to the fact that the information was still inaccurate and continue to report on my credit report according to an independent investigation. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. XXXX XXXX : Certified XXXX ( XX/XX/XXXX ) - As a follow-up to the second dispute ; I requested specific detailed information with a specific request and outcome. I requested written verification of accuracy, in conjunction with my dispute of the inaccurate accounts. # XXXX Who verified these accounts? # XXXX. How were these accounts verified? # XXXX. Provided me copies of ALL original documentation ( s ) on files such as contracts or legally binding agreements ( as proof ) with my XXXX signature on it correlating to the disputed accounts. If Equifax is UNABLE to provide me a copy of ANY original documentation I request for these items to be REMOVED/DELETED from my Credit Report immediately. Equifax has failed To provide me with any information I requested while continue to report inaccurate information to my credit file.
Complaint sub-issue: Debt was paid

Account is not valid. No balance owed. After 7 years, XXXX/IC Systems continues to report account in the amount of {$1200.00} on credit report in violation of the Fair Debt Collection Practices Act.
Complaint sub-issue: Information belongs to someone else

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$7600.00}, XXXX  XXXX  XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$170.00}, XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$700.00}, XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$400.00}, XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$780.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Complaint sub-issue: No notice of investigation status/result

Yes it 's been awhile I been using my credit card and I always pay on time and I am always careful to not mess up my credit so recently I checked my credit score and I see its XXXX and XXXX and just like a few days ago I see it had dicreased for no valid reason now it 's XXXX and XXXX I felt really shocked and ca n't even go to sleep the whole day if u guys can solve everything out cuz I really take care of my credit and it 's been 2 years I been using it if u guys can help me out I will really appreciate it? Thank you
Complaint sub-issue: Personal information incorrect

EQUIFAX can not report correctly my address. In XX/XX/XXXX, I sold the house that my wife and I had lived in for 24 years and moved to a new house in the same town. When I ordered my free annual credit report in XXXX it still showed the old address so I contacted Equifax to correct the error. After realizing It was impossible to get anything resolved on the phone, I sent a letter, dated XX/XX/XXXX and furnished them with copies of our countys tax assessors details on our new XXXX state address and explained our move. I also furnished them a copy of my XXXX County XXXX Property Appraisers detailsI on our XXXX residence and enclosed a picture ( back and front ) of my drivers license for identification. Im sure this is complicated by my having two residences, one in XXXX  State and one in XXXX  ; however, I explained that in the XX/XX/XXXX, letter. The XXXX address is my address from late XXXX to early XXXX. From XXXX until mid XXXX we live in XXXX  State. Equifax issued a new report dated XX/XX/XXXX, however the new report still shows the same incorrect XXXX State address. Equifax shows the correct XXXX address as a previous address. 

Since I began trying to straighten this out I have received three Equifax reports under three different confirmation numbers all showing the incorrect XXXX  state address. On XXXX XXXX, I received an Email notice Your Equifax dispute had been completed. When I put in the information they requested they reply Great! Weve found your file. They then ask 4 question to verify that Its me. None of the questions applied to me. When I answered all the questions they replied : the answers you have provided does not match our records ; therefore we are unable to process your request online. 

Note, the final question asks about a student loan dating from XXXX. Im XXXX years old! Ive never had a student loan.
Complaint sub-issue: Information belongs to someone else

There is information on my credit report that does not belong to me. Specifically, an account with XXXX XXXX ( account no. XXXX balance {$3500.00} ) and two ( 2 XXXX XXXX XXXX accounts ( account no. XXXX balance {$960.00} ; and account no. XXXX balance {$610.00} ). I can not count the number of times I have contacted these four ( 4 ) companies to report fraud and ask for these accounts to be removed. Yet, they continue to be listed on my credit report in violation of FCRA guidelines. I have already sent my FTC report to these companies and the accounts should have been removed a long time ago.
Complaint sub-issue: Old information reappears or never goes away

I recently received a copy of my XXXX, Equifax and XXXX consumer report and I noticed some accounts that should be EXCLUDED from my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 paid this account in XXXX in full Acct # XXXX. I spoke with a customer representative stating they would send out a paid in full letter and remove account from my credit report. I received a paid in full letter dated XX/XX/XXXX. 

I just checked my credit report today XX/XX/XXXX. The information report : Date Last Active XX/XX/XXXX Date of last Payment XX/XX/XXXX Balance : {$990.00} Last Reported : XX/XX/XXXX This Company over the last 2 years has reported incorrect information on my XXXX Credit Report. I have made complaints on this company in the past. All information in this complaint is drastically incorrect. I would like this account deleted from my report.
Complaint sub-issue: Account status incorrect

Both XXXX XXXX and Equifax refuse to correct the status indicator that is currently reporting a charge off on this very old closed paid in full account. I was told by a supervisor XXXX at XXXX XXXX and XXXX at Equifax that they will not fix the incorrect status indicator being reported as a charge off. I am trying to close on a house and both parties are blaming each other for the inaccurate information being reported on my report. Neither supervisor tried to resolve the problem that has been reported several times or that I was going to file a formal complaint in this forum and with my state attorneys office. I have provided Equifax with letters from XXXX XXXX stating that the account is paid in full and the status indicator should reflect as such and they have chosen to ignore and report the inaccurate information. XXXX XXXX has provided no assistance to resolve the problem outside of sending me a letter stating they have informed Equifax of the status indicator being wrong and telling me they will do nothing else and I need to contact Equifax who also told me the same thing I need to contact XXXX XXXX.
Complaint sub-issue: Don't agree with the fees charged

Since starting to make payments we are being billed twice a month now for interest. However, before we started to make payments it was only once a month.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Account information incorrect

I got a loan for an XXXX  of {$1300.00} and made one payment via my bank and then paid it off. I got various small purchases from XXXX and some of the bank direct payments failed, they notified me in a few days, and I switched the auto payment to my visa debit for the same bank and account. All went through. In the process they sent me an email saying they had tech problem and apologized. Now they have shown me as paying the monthly loans late, ruining my credit, and cutting my credit limit. I want them to rectify this and apologize. Im certain this has gone on with many others, particularly the elderly.
Complaint sub-issue: Problem with fees

Macy 's XXXX XXXX Paid {$4.00} in fees they said were due to them because I carried a previous balance.
<P/>
But then they charged me another {$4.00} for the month of XXXX ( {$2.00} ) and XXXX ( {$2.00} ). I am not paying anymore. I asked them to remove the charges today and I did not want to do business or receive marketing from them any further.
<P/>
I paid off entire balance prior to this and then they said if there is a balance they can charge a minimum {$2.00} fee. I disputed that with them via email, but went ahead and paid the first set if fees {$4.00}. I also discussed how they blocked us from paying an overage online to cover these fees when there was a balance. I previously was able to pay a bit more on the account basically carrying a credit balance so this situation did not occur. They did not address why they stopped customers from paying more on the account when I asked in my email nor did they communicate this change.
<P/>
Bottom-line is it one thing to charge for having a balance, but after the balance is paid it is another to keep charging people fees just to make money. I was a long time customer of this retailer since the early 90 's. Never again.
Complaint sub-issue: Didn't receive notice of right to dispute

When i was under age my mom took me to Hospital. 
The debt was not paid. Since then I have turned over XXXX. And the hospital put the bill in my name and I was unaware of this bill. 
The bill amount is for {$210.00}. As this bill shows up on my credit report. 
I have tried to dispute this bill. With the collection agency and XXXX and XXXX And the collection agency still will not remove it. XXXX asking to remove this account from report as I feel it violates my HIPPA rights. 

Thanks
Complaint sub-issue: Debt is not yours

Printed on XX/XX/XXXX, Afni , Inc. sent me a debt collection statement. I opened said letter on XXXX XXXX. The letter states Afni is attempting to collect a debt that I owe to an XXXX XXXX XXXX account ( provided in photo ), claiming that as of XX/XX/XXXX, I owed {$980.00}. I have no account with XXXX XXXX XXXX XXXX nor have I ever ) and this company is trying to defraud me of a XXXX dollars. 
Further, I have received no correspondence from XXXX XXXX XXXX on such matters.
Complaint sub-issue: Personal information incorrect

There are inaccuracies on my credit report and I have contacted each credit bureau to report this information. I was informed that the information would be updated within 48-72 hours. There has been nothing updated and I am not sure what is going on. This has to be fixed.
Complaint sub-issue: Investigation took more than 30 days

I submitted my disputes XX/XX/22 and I didn't receive any correspondences from the bureaus and nothing changed. it has been way past the allotted investigation timeframe.
Complaint sub-issue: Account status

My student loans have always been in Deferment and Forbearance due to my situation at the time. Anytime I took on the deferment or forbearance the creditor re-aged the account and back dated the deferment or forbearance however on my credit report there is some inconsistency. XXXX XXXX XXXX shows I have missed XXXX payments open in XXXX 2007 on XXXX account and XXXX payments on the additional account opened XXXX 2007. The information is reported incorrectly.
Complaint sub-issue: Card opened as result of identity theft or fraud

My claim was denied due to payments were made which I never did I never had a Citibank account in my name and all the payments they said I made were false and returned according to Citibank and they are holding me responsible for the balance I didnt get a fraud pack form from citi and I would like for them to send one out to my address so I can filed a police report the account number ending in XXXX with XXXX XXXX is not mines i didnt apply for this credit card Im mentally XXXX and living under my parents roof I cant possess any credit cards and someone is stealing my info and I have the suspect name. Citibank is sending statements to my parents address and I would like for the payments to be investigated or Ill will contact a attorney to have this sorted out
Complaint sub-issue: Debt was result of identity theft

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Complaint sub-issue: Information belongs to someone else

suspected fraudelent activity... ..as a cosumer neither did i give written nor verbal consent to this account.
Complaint sub-issue: Their investigation did not fix an error on your report

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

Have been an victim of identity theft. I have located that there is a XXXX XXXX account in my name going to a previous address.
Complaint sub-issue: Account information incorrect

CREDITACPT XXXX Balance Owed : {$10000.00} This account was involved in litigation and do not belong to me. I never established these accounts. This account was a result of fraud. I was contacted by a collection agency regarding the account that was obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX  Date Updated : XX/XX/XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt resulted from identity theft

On XXXX XXXX, 2016 I file a claim against Citibank and XXXX XXXX XXXX XXXX regarding a collection account that still is being reported it to the XXXX major credit bureaus, Citibank issue a letter on XX/XX/XXXX stating that they will follow through an investigation and that they would take them 3 month to notify of the results, it 's been 5 month already since I begin filing complaints against both of them. 
a Law Firm in New York called XXXX found violations being done specifically on this account XXXX has been the only XXXX that understood that this account should not be reported it anymore therefore they deleted it but the collection account is still active reporting it every month as of collection to XXXX and XXXX I have n't got No response from Citibank as they promise my record with both Citibank and XXXX XXXX is on your Data List with all the information pertinent to this collection account.
Complaint sub-issue: Was not notified of investigation status or results

I reviewed my credit report and seen items on my credit report that were not accurate and I did not recognize. I sent a letter as recommended to the bureau explaining all the items that I wanted to dispute on XX/XX/2021. I sent the letter to the credit bureau explaining which items that should be investigated. Based on the Federal Credit Reporting Act it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been over 30 days and I recently checked my credit report again and it is still showing the same items I disputed. I also wrote a letter demanding them to respond because it is way beyond the 30 days and they should have responded already. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.
Complaint sub-issue: Attempted to collect wrong amount

I was presented with a bill for an unidentified creditor. The Creditor information provided is simply XXXX XXXX XXXX XXXX XXXX XXXX along with 2 truncated original account numbers. The actual utility is not identified, and the truncated account numbers match no accounts I have ever held. Presumably if I contact one of their agents, I will be provided with a creditor name but what is puzzling is that this company is using a phone number which is not associated with my address in XXXX XXXX, CA. To be certain that the accounts are not legitimate, I confirmed with each utility that I had accounts for in XXXX XXXX have final billing settled and accounts are all closed.

When I conducted a search on this collection company, others were warning that the company was actively scamming and extorting people with false bills, so I have not contacted them as I do not wish for them collect more information for their fraud.
Complaint sub-issue: Investigation took more than 30 days

FTC VIOLATIONS ON THE FTC REPORT PLZ REMOVE IT ASAP B/C ITS LAW
Complaint sub-issue: Their investigation did not fix an error on your report

In previous months, I requested the correction of inaccurate accounts which another credit reporting agency found to be inaccurate and had updated. Due to the Bureau 's lack of response which I classify as frivolous. XXXX, Equifax, and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$0.00}
Complaint sub-issue: Contacted you after you asked them to stop

They are calling my work saying I owe money I do not. They are threatening legal action talking to co-workers and leaving messages on my work phone telling me to contact this other firm because I am going to go to jail. I asked him to stop and not threaten me and he said I do not tell him what to do. He then asked me to transfer him to my boss. They called my work 4 times in the matter of minutes.