Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status

Equifax fails to remove the XXXX account. Equifax reports incorrectly the date of first delinquency for removal .Equifax reports incorrectly that this account is PAST DUE {$64000.00}. Equifax reports incorrectly that this account is REVOLVING. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX Cancellation of Debt from XXXX.. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

MRS Aaociates called my business provided and paid cell phone  on XX/XX/XXXX asking for XXXX XXXX. I told the woman that there was no one by that name nor did I know anyone by that name. I told her she had a wrong number and not to call in the future. They called again on the XXXX and hung up when I answered. Then called again on the XXXX.  I called their number three time until I spoke to a XXXX XXXX and was told again they would take my number off but it would "take at least 48 hours"They call from different numbers that can't be called back. They repeatedly hang up When the call is answered.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I've submitted multiple certified letters to Equifax, I was told that they did not receive the letter countless of times when I have time stamps showing it was received I was told by an agent at Equifax that they do not investigate any disputes their is Hard inquiries on my report that I did not authorize and every time i send Equifax a letter they claim they never received it
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act the attached creditors have violated my rights as far as unauthorized inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I did not perform or authorize these inquiries.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2018, I opened a citibank checking account under the following promotion : " XXXX XX/XX/XXXX XX/XX/2018 Retail Checking XXXX AAdvantage Miles Offer ( Promo Code : XXXX ) '' Under the terms of the promotion, if I completed the following two required activities within 60 days of account opening : 1 ) {$370.00} in debit card purchases, and 2 ) Download the Citi mobile app and log, then I would be rewarded with XXXX miles added to my XXXX XXXX account within 90 days of completion. 


I have proof of activity 1 on page two in the attached bank statement. Activity 2 is proved by the existence of a " mobile check deposit '' which is a check deposit done via the mobile app ; this appears on the same statement. The above two activities posted on XX/XX/2018 which was within the 60-day deadline. 


Citi already has my AAdvantage account number, XXXX, because I have an AA cobranded credit card with them.
Complaint sub-issue: Information belongs to someone else

Pulled up a copy of my credit report and seen there were some accounts that aren't mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute are listed below : XXXX # XXXX. Also, please remove ALL following unknown inquiries : XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX  XXXX  via XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax needs to fix the issues about the inaccurate information for the unauthorized inquiry reported in my Credit Report. They failed to organize a proper investigation to confirm this account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiry I am disputing : XXXX XXXX SVC Date of inquiry XX/XX/2021
Complaint sub-issue: Reporting company used your report improperly

Equifax recently released a press report declaring that they were hacked and sensitive information was compromised. It was determined by Equifax that my data may have been compromised, including my social security information. This is the most sensitive data I have and should have been handled with more care. Now, their negligence could cost me financially as well as require me to take additional security measures for a mistake made by another company. It 's inexcusable.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX XXXX, XXXX a credit charge of {$1400.00} from XXXX XXXX XXXX to my citi credit card was a fraudulent charge. I tried the dispute process and citi had issued a temporary credit. I provided all documentation while citi went back and forth with the merchant. This went on for about three months. I called citi when they sent a statement/communication stating that the dispute was closed and in the merchants favor. I explained all of the details, and the representative issued a XXXX credit. This still leaves my account overdrawn and over the limit. Now I am having a hardship paying the balance which is now over {$1800.00} with interest and is due the 20th of this month.
Complaint sub-issue: Their investigation did not fix an error on your report

In  XXXX   2015  I owed a debt to the   XXXX    XXXX  in the amount of {$620.00}. In  2015  they took the amount owed from my personal taxes for the full amount. Its currently still reporting on Equifax under public records, after several disputes with them. If needed I can get a printout from the workforce for proof of payment.
Complaint sub-issue: Problem getting your free annual credit report

XXXX will not give me my credit report online. They require I mail them information sensitive information and documents which puts me and my information at risk for identity theft. Mail is easily and frequently stolen.
Complaint sub-issue: Debt is not yours

I have contacted Americollect Collections after getting a credit notification about negative information on my credit report. Americollect Cllections does not have any contracts with me. After making contact with the listed creditor, who did not verify that I owe Americollect any monies for any services at all. The company did not remove the fraudulent accounts from my report. Americollect Collections is reporting the same account with different figures. 
Americollect {$330.00} Americollect {$160.00} Americollect {$160.00} Americollect {$160.00} Americollect {$150.00} Americollect {$150.00}
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 and XX/XX/2021 I sent a letter to remove inaccurate accounts from my consumer report. I have attached the laws in which the credit bureau is violating. I would like the credit bureau to remove all unwanted false information from my report. Down below I have the laws that are in violation. I understand the credit bureau will put on my consumer report that they verified an account by default. Which is a HUGE VIOLATION without physical proof, also a personal investigation of character. This is illegal and I would like all my accounts on my report from my letter removed. I've given the required 45 days plus an extra 15 days for an investigation. They have not done their job. I want all deleted from my letter 15 U.S. Code 1601- Unfair and unethical reporting on consumers behalf is false information. 15 U.S. Code 1692- There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. 15 U.S. Code 1681- There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer 's right to privacy.
Complaint sub-issue: Account status

I opened a account with XXXX on XXXX/XXXX/2006 and the account shows pays as agreeded, however the account shows me with a balance of XXXX. I need this account to be updated to show at a XXXX balance.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX Report Number XXXX submitted XX/XX/XXXX. 
received my dispute for the following XXXX XXXX whom agreed to remove the collections account from credit report if I paid the balance. I had not received any notifications from XXXX XXXX that I owed them any money and they agreed to remove the collection report if I paid. I settled with a letter amount and they never removed the information from my credit report. They promised to send me a paid receipt and did not. They only updated the balance. 

XXXX XXXXXXXX XXXX-Account was never past due and we paid every month. The credit report after 30 days has not updated nor have we heard anything back from them within 30 days. 


XXXX XXXX I disputed because the amount was incorrect and had already been paid in full and was told if paid. I was promised To date nothing has changed on my credit report. The report says updated but it was not. 

XXXX-We disputed because the account was much older than stated on the credit report to date we have received no notifications and has been over 30 days since we disputed with no response.
Complaint sub-issue: Was not notified of investigation status or results

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.
Complaint sub-issue: Information belongs to someone else

FRAUDULENT APPLICATIONS HAVE BEEN SUBMITTED IN MY NAME & MY IDENTITY HAS BEEN USED WITHOUT MY CONSENT TO FRAUDULETLY OBTAIN GOODS AND SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT.
Complaint sub-issue: Personal information incorrect

I have reviewed a recent credit report and have seen major errors in the information that is being furnished. Please be aware that I have only ever lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Again, the following addresses are not valid and have not been my place of residence and I need your assistance in making sure that these errors are rectified : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX Please respond within XXXX days with confirmation that this has been completed. Thank you
Complaint sub-issue: Was not notified of investigation status or results

I have sent in multiple certified letters about a bankruptcy that they are reporting inaccurate information on my report I have ask for them to send me a method of verification to show proof they continue to REPORT INACCUARATE INFORMATION and refuse to verify the information which is a violation because they have to get it verified thru the original handler which would be the us bankruptcy court. so they are already in violation and refuse to send me a real validation and that is my right.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it.
Complaint sub-issue: Investigation took more than 30 days

I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.
Complaint sub-issue: Information belongs to someone else

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Complaint sub-issue: Personal information incorrect

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Complaint sub-issue: Personal information incorrect

% % % % % My name is XXXX XXXX XXXX. I have been trying to fix incorrect information in my credit report but i seen like never working. I spot that all of addresses and employment information that are incorrect and belong to me. These information make a really bad effect to my credit report and also our association. we are in a harvest time with the outbreak and really need a support to uplift all my affords in the last 15 years. Here are the addresses and employment information : % % % % % % % % % % % ADDRESSES REPORTED XXXX XXXX XXXX XXXX, IN XXXX!!!!! 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & & & & & & & & & & & & & & & & XXXX XXXX XXXX XXXX XXXX, IL XXXX $ $ $ $ $ $ $ $ $ $ $ EMPLOYMENT INFO : XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Equifax is reporting a company called XXXX  XXXX XXXX on my credit report. This account has been charged off for over five years but they continue to show late payment marks for every month which I thought was a major violation of the FCRA. If an account is charged off as a bad debt already they should not be reporting a monthly payment status but they are. They keep updating this old account. I want them to delete this account because they are in violation of the FCRA.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2022 I was made aware that my identity was stolen. 

I attempted to review my Equifax Credit report at https : //www.annualcreditreport.com/ After entering my details into the Equifax identify verification form, Equifax 's website said : " We can't complete your enrollment at this time. Please call the XXXX XXXX XXXX at XXXX. XXXX XXXX is available XXXXXXXX XXXX and XXXXXXXX XXXX ET, XXXX ; XXXX XXXX and XXXXXXXX XXXX ET, XXXX. '' I called customer care to resolve the issue, but they were able to offer XXXX support regarding the website. The agent was essentially unable to understand my request and instead submitted a request for a mailed, paper copy of my credit report. 

The agent repeatedly directed me to Equifax 's website, as if that wasn't something I was already doing. 

I specifically asked for an alternate team that can provide support for the website or to speak with a supervisor, but the Equifax agent advised that there was not another team and was exceptionally hesitant to allow me to speak with a supervisor, saying " They're busy '' repeatedly without providing any time frame over which a supervisor ( or someone else who could assist with my request ) could assist.
Complaint sub-issue: Problem during payment process

First Progress repeatedly mishandled my payments, which were mailed directly from my bank to their address on the statements. They marked me as delinquent for XXXX and XX/XX/XXXX, as well as XX/XX/XXXX, even though I sent payments for all these periods and mailed in proof of these payments. This has severely hurt my credit and I want it to be fixed.
Complaint sub-issue: Account information incorrect

I have been going around in circles with eqifax with not being able to log into my account. Keep being told theres a problem with system and try in 24 hours well, that started 2 weeks ago. Call back, wait in hold, pass security checks to get the SAME CANNED RESPONSES. 

eqifax is reporting WRONG information, I can not dispute online, I can not log into eqifax and customer service does nothing. 

I need real action, eqifax is reporting scores much lower than the other two, and I cant fix it because I cant get past try to religious in 24 hours.
Complaint sub-issue: Their investigation did not fix an error on your report

I wrote Equifax numerous letters in regards to inaccurate, incomplete, and unverifiable medical accounts that are reporting on my credit report. 

My first letter went out on XX/XX/2020 The second letter was mailed out on XX/XX/2020 The third letter was mailed out on XX/XX/2020 The fourth letter was mailed out on XX/XX/2020 5th letter was mailed out on XX/XX/2020 I haven't received any notice and response back from Equifax in regards to the medical items that reporting on my credit report and are impacting my credit file. 

This account is not reporting the name of the Original Creditor Name, Date of Last Activity is not correct and has been updated which is not properly correct.
Complaint sub-issue: Debt is not yours

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed.

n addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

Please send a letter stating that these issue has been resolved to : XXXX XXXX
Complaint sub-issue: Debt is not yours

EQUIFAX, XXXX and XXXX are in violating of the law for reporting fraudulent and misleading information from my credit report.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2022 my payoff amount for my loan was {$20000.00} and I paid {$180.00} on a {$130.00} bill ( {$50.00} over pay to go strait to the principle ). For my payment due on XX/XX/2022 my payoff amount is {$20000.00}. This math does not add up and I would like to know how I get an investigation looking into how Firstmark is operating I have looked at their reviews online and it seems this is an ongoing problem with this company and considering the current economic rescission this country is in a company like Firstmark should be held to highest of standers.

Who do I talk to to get Firstmark looked into for fraud?
Complaint sub-issue: Their investigation did not fix an error on your report

I obtained my LexisNexis Consumer Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my report. I never gave LexisNexis any written consent to report or furnish my Bankruptcy public records. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy.

I wrote LexisNexis and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with updating my account and ignored my rights as Consumer.

I also sent LexisNexis a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW
Complaint sub-issue: Can't close your account

I submitted a complaint to CFPB, Discover along with credit reporting agencies. The company responded to the complaint but never addressed the issue. I presented feedback after the complaint. Discover continues to report my account paid/charge off. This ACCOUNT WAS NEVER A CHARGE OFF! This was a secured SECURED credit card. I reported lost and stolen. The company continued to charge late fees. Is it customary to continue to charge late fees passed the secured amount knowing its a secured card. Is it customary to not close the account when reported lost, they never sent me another card! Im requesting validation after it was reported lost that they sent out another card. If they did send another card then why did they continue to charge late fees? I paid the full amount because it was on the credit. This is so minor if an issue. I paid the account knowing that one of their employees didnt complete the cancel on the card! However, they still cant provide evidence they even sent me another card. Its A SECURED CARD I PAID! Provide validation that they sent a new card if my account was still open. Provide validation that I used the card after reported.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2018 I contacted Equifax via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.