Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Ive received a letter back on XX/XX/2019 from Equifax asking for additional info of my identity for my credit dispute letter when Ive already sent them a copy of my Drivers license and Social Security Number. And I even got my letter notarized for {$10.00}. Now I just sent another dispute letter with the same identification info with another notarized for {$10.00} and an additional letter stating that I will report them for stalling my disputes. I believe its a stall tactic that theyre playing with me I dont take it lightly. I did not make a copy or photo copy of the letter I sent but I do have the letter format saved in my documents. But also I do have the receipt of the notarized letters. 

Thank you
Complaint sub-issue: Was not notified of investigation status or results

I still haven't got any response from the credit bureaus after I sent my dispute letters to them for these accounts : US DEPT ED Account # : XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the disputed account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. 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. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 at XXXX, A representative for Equifax picked up my certified mailed letter for a collection placed on my credit report by a collection agency, XXXX  , in which I requested an investigation on the validity of the account. On XXXX XXXX, I reached out to the original creditor, XXXX, to discuss the ownership and authority to collect the debt. XXXX stated they were the only ones who owned the debt and have authority to collect. The debt was closed out on XX/XX/XXXX with XXXX. On XX/XX/2022, Equifax mailed a report with Confirmation # XXXX, with the XXXX collection account listed as Customer Disputes the Account Information along with the status as Unpaid and a Balance of {$570.00} reporting. On XX/XX/2022, Equifax mailed a report with Confirmation # XXXX, with the XXXX collection account listed as Customer Disputes the Account Information along with the status as Unpaid and a Balance of {$570.00} reporting. As of today, XX/XX/2022, I never received any results that an investigation was completed. However, On XX/XX/2022, I did receive a notification from MY FICO Credit Monitoring that Equifax updated the XXXX collection account as Paid. Ironically, also on XX/XX/2022 at XXXX, my certified letter was delivered to Equifax inquiring why this inaccurate account was still on my credit report and why hasn't my request for an investigation been completed. I attempted one last time to communicate with Equifax regarding this matter before filing this complaint by calling to speak to a representative on today, XX/XX/2022. I explained my situation just as I have here and the representative 's reply to me was, " Do you want to open a dispute? '' I asked, " What happened to my request that you received on XX/XX/2022. '' The representative responded, " I don't know ma'am but if the furnisher reported this then it must be right. '' I told him that he was very unprofessional and per my rights ( 15 U.S.C. 1681e ( b ) ), you are required to make sure that items on my credit report are accurate and just because the collection agency ask for you to put something on my credit report does not mean that it is accurate. Also, per my rights ( 15 U.S.C.1681i ( a ) ( 1 ) ( A ), you are required to investigate any item that I request to have investigated on my credit report. '' He then apologized and asked, " Do you want to open a dispute? '' I then asked, why did you all decide to update my credit report after receiving my request to provide verification that an investigation was completed. The representative responded, " I see that you are refusing to open a dispute on this account. '' I told him, " No, I am not refusing to open a dispute and that I will be forwarding my complaint to the CFPB. '' Again, My request for an investigation was not completed. I have uploaded information to assist with my complaint. This is a direct violation of my FCRA rights.
Complaint sub-issue: Account status

There are XXXX XXXX accounts listed on my credit report which I do not owe this company anything. These might be my daughters. I disputed them and want them removed and they are still listed. This is a violation of my rights.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX  but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Information belongs to someone else

the accounts/ inquires cant be verified and need to be removed from my account 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

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. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account LOANCARE LLC XXXX with a Balance : {$0.00} was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Complaint sub-issue: Received bad information about my loan

I attended XXXX XXXX in the XXXX XXXX XXXX. When I signed up they told me I had to obtain a private loan to help cover the expenses the federal loan would not cover. I asked how about the grants, they advised the grants do n't always kick in but if they did they would refund the money to the Genesis Lending company. I signed up hesitantly because something did n't sound right. When I completed the program I asked about the accounting on my account because I know I obtain grants but the Genesis loan was never reimbursed and I bought books on my own so I wanted to see the refund on the money I did n't use. I got an excuse of I had to speak with the financial director but of course she was n't available. Unbeknowst to the person working on my account I saw on her screen that my grant was returned instead of my loan. I asked her again for a copy but was told only the director could give me that information. I was unable to receive the information on MY account which I wanted to verify how corrupt they are.
Complaint sub-issue: Their investigation did not fix an error on your report

I have asked Equifax for proof of validation for several items but instead I was sent a copy of my credit report. I demand that XXXXXXXX XXXX  in the amount of {$840.00} be immediately removed from my credit report.
Complaint sub-issue: Not given enough info to verify debt

I contacted Fred Myers/cbna about my account that opened XXXX/XXXX/XXXX and closed XXXX XXXX. They have not furnished information to XXXX credit bureaus to have it removed. My 7yrs FCRA limitation is being violated. Fred Meyers said they ca n't find these old accounts, so how are you reporting back to credit bureaus if you do n't have my old information available.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has 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 accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1500.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to first send me a copy of my consumer report and than after place a security freeze and surpress from sharing ANY information about me : XXXX XXXX XXXX 
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. 
I would like to have my entire credit file REMOVED from your data institution. Please complete my following requests : 1. Provide my Full Consumer File Disclosure of my credit profile : A complete overview, the set of documents & procedures and snapshot of my character including any credit information in association to my name and/or address listed in this document. 
2. Place a Security Freeze and suppress from sharing of any information about me to any other parties, unless otherwise expressly permitted by me in writing.

3. Once completed, kindly write back no later than ( 5 ) days to confirm that you have in fact, placed a security freeze on my information as well as provide me with the information needed to verify the details of my information suppression. 
My Personal Information is clearly shown below : FULL NAME : XXXX XXXX PHONE : XXXX XXXX XXXX XXXX SOCIAL SECURITY NUMBER : XXXX FULL CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX After this credit freeze has been filed, please send me written confirmation to the address listed above.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the companies listed have violated my rights. 

XXXX XXXX Account # XXXX Reporting to XXXX and Equifax Only! They are violating my rights! 

XXXX XXXX Account # XXXX Reporting inaccurate information to all 3 credit bureaus. Reporting different amounts and dates! They are violating my rights! 

XXXX XXXX XXXX XXXX Account # XXXX Reporting inaccurate information to XXXX and Equifax ! They are violating my rights! 

XXXX Account # XXXX Reporting to XXXX and XXXX Only! Violating my rights! 

XXXX Account # XXXX Reporting to XXXX  Only! Violating my rights! 

XXXX Account # XXXX Reporting to all 3 credit bureaus! Violating my rights! 

XXXX Account # XXXX XXXX to XXXX  Only! Violating my rights! 

XXXX XXXX Account # XXXX Reporting to Equifax and XXXX Only! Violating my rights! 

XXXX XXXX XXXXXXXX Account # XXXX Reporting inaccurate information to XXXX and Equifax ! They are violating my rights! 

Untitled {, Collection/Chargeoff, Consumer disputes this account information XXXX Subject has not satisfied debt. } Account # XXXX Company is untitled and does not have a name! Reporting to Equifax OnlyThey are in violation of my rights! 

Untitled {, Collection/Chargeoff, Consumer disputes this account information XXXX Subject has not satisfied debt. } Account # XXXX Company is untitled and does not have a name! Reporting to Equifax XXXX are in violation of my rights! 

XXXX XXXX XXXX  Account # XXXX Reporting inaccurate information to XXXX and Equifax ! They are violating my rights! 


15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX points on my Equifax credit report unfairly and inaccurately. All Accounts removed are being deducted from my general score this is wrong. Accounts balances reported as decrease is deducting reports. This is wrong. Accounts with no status being reported is deducting points. 
XXXX XXXX reporting removed accounts as still open by not removing the account. 
XXXX XXXX is not reporting all the accounts accurately. Accounts are being reported close as open. Closed accounts must be deleted. Closed accounts are paid in full. Please remove the accounts that are placed in different areas on Equifax.
Complaint sub-issue: Account status incorrect

I had a Home Depot Citibank Account. I paid it off to XXXX XXXX XX/XX/2020 and got a letter on XX/XX/2020 stating that it was paid in full. I put in a dispute to make sure that it was taken off of my credit report and it was. Then XX/XX/XXXX, it went back on my credit report, and my credit score dropped nearly 50 points. I paid it in full and thanks to XXXX alerts, I knew that something was wrong. 

I called both XXXX XXXX and XXXX XXXX. XXXX XXXX said that maybe it was not reported too XXXX. I called again and then they said that they don't report to the credit bureaus etc. I also called XXXXXXXX XXXX  and they said that they needed information from XXXX XXXX. My sending a letter to them was not good enough. I called XXXX XXXX again and left a message with a manager. I got no call back. I called XXXX XXXX and they finally put me in with a guy who makes the reporting and he said that it would take 7 days. Then I get an alert that it was again reported by XXXX XXXX. and then I see that my second dispute was resolved and that it was verified as correct when it is not correct. I just did a 3rd dispute and submitted documentation to XXXX. Well, they did not verify it because I paid it in full to XXXX XXXX XXXXXXXX XXXX  I contacted XXXX XXXX back in XXXX and also several times since XX/XX/XXXX. They keep putting the amount and my score has dropped nearly 50 points as a result of this insanity. Now the amount is a dollar higher than before. This is total insanity. No one wants to take responsibility for this and I paid off all of my debt in full without taking a deal. I paid it in full.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This companies has violated FCRA XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This companies has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Complaint sub-issue: Received bad information about my loan

Gensis loans have stopped sanding letter of what I still own them. so me assuming I was n't getting a bill from them that I was done paying them. I was going to XXXX college here in XXXX TX. well it was called XXXX instituted and they closed them all down for what I know. so I was told by them that I did n't have to pay no more student loans because there was no account to send money. so I need to know what should I do since I think its unfair for me to pay for a loan that I though was payed for already.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX I was trying to get another XXXX XXXX  to report what my correct high credit limit was and current outstanding balance to get updated as I had paid it down. I could not get XXXX nor Equifax to show my historical limit was higher than was reported and disputed that account # XXXX 1st # s. By mistake Equifax/XXXX deleted a different XXXX account from my credit report. I had a XXXX XXXX with XXXX  for over 10 years with the last payment being made in XXXX of 2015. This account had a limit of {$13000.00}. I Closed this account and paid as agreed. For some reason Equifax and XXXX dropped this card from my credit history. I HAVE NEVER DISPUTED THIS ACCOUNT as is it is mine and had a XXXX balance when I contacted my creditor/XXXX XXXX they said they NEVER delete accounts from credit reports. I asked that Equifax put the account they removed back on my report and they said they can not because XXXX is the one that deleted the card. XXXX told me Equifax has it on my older reports and should accurately report it XXXX can not do anything about reporting. I have proof of this card and that XXXX was reporting it now they will not put it back on my report and it has damaged my credit score.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I used the US Postal Service to send all three credit bureaus ( XXXX, Equifax and XXXX ) letters informing them that they are reporting inaccurate/false information on my credit report. I requested that they verify these inquires and if they do not find any legal proof that I authorized these inquires to please remove them from my credit report. I requested a 30 day response. I never received a 30 day written response back from any of these reporting agencies. On XX/XX/XXXX I sent an follow-up letter again informing these agencies of this false and inaccurate information they continue to report on my credit report. Again, I requested a full investigation and proof be sent to me that I had authorized these inquires. I still have not heard anything back from these agencies and that are still reporting this false information. I have included proof of the letter I sent on XX/XX/XXXX and XX/XX/XXXX. I also attached the letter had notarized on XX/XX/XXXX requesting these items to be removed.
Complaint sub-issue: Account information incorrect

I have contacted the company who has been reporting the wrong information along with the credit bureaus .... XXXX and XXXX has removed the item but Equifax has not ... Also I have ask all three bureaus to stop reporting a negative late payment I have contacted the company and there saying that they are not reporting any late payment ... I have ask if they could send the bureaus something in writing so that this could stop having a negative affect on my credit .... I have done everything I can by calling, summit documents and still no removal. Im just asking if these items to be removed ... Thank You
Complaint sub-issue: Sent card you never applied for

I received a cash app debit card in the mail on XX/XX/14 but I do not have a cash app account so know it is fraud. I called what I believe is their customer service but many sites say they do not have customer service # so not sure if the # and callback I received is another part of scam. The # is XXXX. The only info I gave them was my email, they did email me mins later and asked for a lot more info to investigate the fraud but that could be part of scam as well so I am just not responding. I just wanted account closed. I did shred card. The email is from XXXX but afraid more of the scam.
Complaint sub-issue: Problem with personal statement of dispute

I reported the XXXX  account on my equifax account as a violation of code 15 USC 1681B Permissible Purpose. This account is fraudulent and violates this code. It has passed 30 days and this issue has not been answered however the other letter to verify the info was answered and I have copies.