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

I started a identity theft dispute on XX/XX/XXXX with Equifax, XXXX and XXXX. XXXX and XXXX removed all collections and hard inquiries but Equifax did not, they allege that accounts has been verified. I received letters that accounts has been removed. I would like a full audit investigation showing each company provided supporting documentation stating that my accounts has been verified of I will be seeking a attorney and will sue Equifax
Complaint sub-issue: Account information incorrect

Numerous times Equifax has deducted excessive points from my credit score when there are no negative changes. 
Twenty two points were deducted from my score due to six changes. ALL 6 CHANGES WERE BALANCE DECREASED. PLEASE SEE ATTACHED DOCUMENTS.
Complaint sub-issue: Their investigation did not fix an error on your report

Sent in copy of carmax reporting thats resulting in an inaccurate report on my credit report. Carmax acknowledge the error but still wont remove the negative reporting. and also n accordance with the Fair Credit Reporting act XXXX Account # 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
Complaint sub-issue: Problem with fraud alerts

In XXXX XXXX, my house was broken into ( in XXXX, CA ), personal information stolen, and my vehicle stolen and totaled. I placed a fraud alert at that time. I had a couple of failed attempts at opening accounts by someone, but nothing further occurred. On XXXX/XXXX/XXXX, I placed another fraud alert because someone tried to open XXXX accounts in my name. I received an email yesterday ( XXXX/XXXX/XXXX ) stating that a new credit card account had been opened with XXXX XXXX XXXX and a new card was being mailed out to an address in XXXX, CA ( an address that has never been mine ). I do n't understand how a new account could be opened when I already have a fraud alert. I tried to file a new credit alert but Equifax and the FTC website both said that I already had fraud alerts in progress and could not file a new one. I was also unable to update the current alerts with updated information because the website is not functional or user friendly. I have already filed a police report for this incident. I also have police reports for the past incidents. I am not sure what to do.
Complaint sub-issue: Account status incorrect

The auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid-in- full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX Bank ) on XX/XX/XXXX to evidence the payoff on this account. For background knowledge, I am the co-borrower on this account, and my fiance is the borrower. 

Currently, this account is still showing a balance on my credit reports with Equifax, XXXX and XXXX. This is in violation of the Federal Credit Reporting Act, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Account status incorrect

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX, my bank sent an official check to payoff my entire credit card balance. The check was mailed attached to my credit card statement. On XX/XX/XXXX, I noticed the payment still had not posted. I discovered from my bank that Citi Cards had received the check and credit card statement as the official check was negotiated by Citi Cards on XX/XX/XXXX. I  called Citi Cards and filed an investigation for the missing payment on XX/XX/XXXX. They communicated to me that a conditional credit would be applied within 2-3 business days while its being investigated. On XX/XX/XXXX, I contacted Citi again as my payment nor the conditional credit had been applied to my account. After 30 minutes was finally connected with a supervisor named XXXX XXXX. He told me that even though my credit card statement was with the check, if the check didn't have the account number on it, they wouldn't know where to place the payment. Further, I would have the conditional credit the next day as it takes 2-3 business days, that he located the lost check/payment and that it had been deposited into Citi Cards general account, and he would call me the next day to update me if the payment had been posted. XXXX called me on XX/XX/XXXX, and informed me that the payment still had not been posted, that the conditional credit had also not been posted as they're delayed. Further that I needed to make the minimum payment due to avoid late charge. I refused to make the minimum payment, because I provided them an entire payoff that they're refusing to process, nor were they able to process the conditional credit as promised while its being reviewed. I asked if I could speak with someone on the payment processing team, or if he could reach out to someone to get the payment processed and he said no, they have no way to contact them, and that my payment may not post until Tuesday, XX/XX/XXXX and reluctantly agreed to call me back on that date to confirm. As of XX/XX/XXXX Citi Cards still have not processed my credit card payoff and they have had the funds deposited into their internal fund management account since XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

This XXXX XXXX account was paid back in XXXX  and the company agreed to delete the account once paid, it has still been reporting negatively on my credit report. The account number XXXX. I have contacted XXXX XXXX directly and they are unable to locate an account in my name or using my social security number. I have disputed the account with all 3 credit bureaus with no resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

I paid off my car lease with XXXX XXXX XXXX. Equifax refuses to update their records and keep saying I owe a balance XXXX as of XX/XX/2021. This was paid off XX/XX/2021. I would like this updated on my equfax report
Complaint sub-issue: Problem with personal statement of dispute

I have a mortgage with US Bank, they have placed a forced flood policy on the house because it was rezoned into a high risk area. The home should be grandfathered into a low risk area. I have sent the paperwork to US Bank multiple times, but they will not acknowledge it. 

I have continued making my monthly payments of XXXX while attempting to resolve the issue with US Bank. US Bank has not applied my payments, and has started making reports of late payments to the credit companies. 

I have asked them to remove the negative reporting and work with me to resolve the issue, they have refused. 

I need help.
Complaint sub-issue: Threatened to sue on too old debt

I received a message from a XXXX XXXX XXXX from a " Plaintiff 's office '' regarding a case against me and I would be getting served a summons in the next two days. I received messages from two friends of the same message. I called the number right away and spoke with a XXXX XXXX. He said that he was a law firm preparing a lawsuit against me for a payday loan and due to the statute of limitations the creditor is taking legal action against me now before it runs out. It said it was over {$700.00} I owed plus attorney fees and costs. But if I agreed to pay today, they could work out a payment agreement. He stated he was representing XXXX XXXX XXXX. He provided my last XXXX of my social security number and information regarding the debt such from its original company. I agreed to pay the amount I believed this must be legitimate since he called my two friends and knew the original debt information and I did n't want a summons of a lawsuit against me. After I provided my information I asked for his company 's info. He stated he is with a company called XXXX which is a law office in XXXX, Texas XXXX. I asked for his direct number and he provided XXXX. He said he would be sending me a receipt by the end of business day. After the call, I felt like something seemed wrong because I felt as though they were pushing me into resolving this by threatening legal actions against me. So I called back and explained my concerns. He stated he would send me the receipt right away. I received the receipt in my email and it was very vague with limited information and the company was totally different from the company he told me he was with. I called the number on the receipt and a man answered. I asked what kind of company he was and he said it was for mediation services. Then he asked me directly if it was me calling. I said yes and he transferred me back to XXXX XXXX. I have since checked my credit report and this payday loan with XXXX is not listed on XXXX, XXXX or XXXX. Everything on my credit report is current because I have disputed incorrect charges that appeared recently. This company used scare tactics and possible legal action against me to get me to pay a debt that is past the statute of limitations and possibly may not even be assigned to me. From my research, I have determined under the Fair Debt and Collection Protections that threatening legal action is illegal and a company is not allowed under the law to take these actions. Thank you in advance for all help and guidance with this complaint.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XX/XX/XXXX XXXX I have been disputing this inquiry on my credit report that I have nothing to do with and it do belong to me at all please help me understand why they keep telling me that is flexible when it's fraudulent I have no contract with this company at all and it does not belong to me Inquiry XXXX. Date XX/XX/XXXX
Complaint sub-issue: Old information reappears or never goes away

I was in a multi-car, low speed crash, in traffic, XXXX years ago+. 
Only recently did I learn that it reports at careless driving with the company Checkr. Ive driven over 1 million miles in 4 decades plus, without incident. I am not a careless driver. This reporting is keeping me from driver for XXXX or XXXX. I need to make a living, to survive. Please remove or correct this reporting. TY
Complaint sub-issue: Personal information

I 've been asking Equifax to assist me with correcting information on my credit report for more than 4 years. It seems they have some incorrect personal information because I can not be " verified '' using their automated system. 
I 've called, which leads to an automated system that hangs up on me, i 've attempted to use their web service for disputing errors, and i 'm not able to login because i 'm not able to be verified, and i 've written letters, but never received a response to a letter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized credit inquiry that I did not do. I called company more than 3 times and sent two letters and still no help.
Complaint sub-issue: No notice of investigation status/result

I have sent out letters since XX/XX/2017 for Equifax to provide proof of the documentation that have received by the negative reporting companies on my credit. Each investigation that I initiate ends up with the same generic response we verified that this account belongs to you. I have sent letters to each of these companies and I have n't received validation. So I do n't understand how they obtained validation at all. Or why it has been impossible for them to provide me with the proof if they have it in their possession. I have also requested that certain inquiries are removed off my credit that I did not authorize. But I receive the generic response of inquiries are factual record of file access. I do n't see the point of having an extended fraud alert if information can easily attach itself to my credit report. They do n't take time to actually verify these accounts ; they just send out generic responses. For example I mail out all my letters through a company that provides tracking of when the letters is mailed out and when it is received by the company. I sent a dispute out on XX/XX/2017 and it was received by Equifax on XX/XX/2017. I get a response to my dispute on XX/XX/2017. I have proof of everything if you need copies. I did upload proof of the timing of the report for one of my disputes just to show you an example. Thanks so much in advance.
Complaint sub-issue: Reporting company used your report improperly

I was a part of a consumer credit transaction. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Complaint sub-issue: Information belongs to someone else

The balance on this account is not correct as this account as be Charge-OFF. As I can see the XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies.

Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. 


XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Pursuant to 15 USC 1692g ( a ) I requested validation of debt and have not received any of the information I requested. My written consent was never given to to the debt collector to even furnish information on my credit report. Pursuant to 15 USC 1681b ( 2 ). Also Discover Student Loans is in violation of 15 USC 1692e ( 2 ) ( A ) for the false representation of " Bill amount '' in the positive.
Complaint sub-issue: Debt is not yours

Dear CFPB, As i have mentioned in my complaint CFPB File # XXXX Receivable Management Systems has violated my right as a consumer on many counts. i have attached a copy of the validation letter i sent to Receivable Management Systems for review. Please note that i have yet to receive validation of this debt from them. i have called so many times as they requested in their response to my complaint by to no avail. the alleged account is still on my credit report. Receivables Management Systems has claimed to have send the requested documents to the consumer on XX/XX/20 to the address listed in the previous complaint providing information in regards to the account. They provided me with no validation as i have also attached the document i received from them via mail. The letter is a mere itemized receipt from Receivables demanding that i make payment to them. i am yet to receive at lest a detailed itemized receipt of the original debt, my contract with Receivable or their client and most importantly Receivable 's license.
Complaint sub-issue: Contacted employer after asked not to

Called my job phone instead of my personal number. I do not know how they got the information but the contact number was never given to them. It is for some debt that I do not know anything about as well. They are using information that was not given to them.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a out a second letter with proof if identity as well on XX/XX/XXXX to all the credit reporting agencies. However the credit reporting agencies said they completed the investigation and everything was XXXX XXXX accurate. XXXX Equifax and XXXX has Failed to do a proper investigation and respond back to me. This is not making any sense and is also frustrating when these corporations are for XXXX reporting inaccurate information and for XXXX not removing the information when i ask them to. 

According to the law 15 U.S. Code subsection 1681a Definitions ; rules of construction.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. It's well past XXXX days. 

I would like to know who did they talk to. 

How did they complete this investigation.
Complaint sub-issue: Account information incorrect

I opened an account with XXXX for cellular phone service in approximately XXXX early XXXX. The service was month to month, there was no contract and there were no phones purchased on the account. The phones were free when you switched lines. In XXXX of XXXX, I switched phone companies for a cheaper rate. XXXX continued to bill for phone service that was not received because the phones weren't even on or they charged for phones that I did not owe for. Additionally, the debt was incurred in XX/XX/XXXX and the debt date reporting has changed to now XX/XX/XXXX. The amount of XXXX is fraudulent and incorrect.
Complaint sub-issue: Information belongs to someone else

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible :
Complaint sub-issue: Their investigation did not fix an error on your report

I have new and updated information concerning Equifax. I have previously complained of Equifax 's illegal conduct under ID # s XXXX ; XXXX ; and XXXX. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Equifax continues to use excuses such as it can not verify my identity. However, I have included proper identification in my correspondence to Equifax. Equifax is in violation of my rights as a federally protected consumer
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. 

15 U.S.C 1681 Section 602A. 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 an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a response from XXXX  ( XX/XX/XXXX ) where they say they updated the account information for XXXX XXXX XXXX  but ( XX/XX/XXXX ) XXXX  had already told me in writing they no " longer services the above-referenced returned account ''. 15 days before XXXX  stated they updated their reporting. Then again on XX/XX/XXXX XXXX said in a letter " they have been unable to locate an account ... '' How could XXXX have received updated information from a company that no longer had the account? This has to be a violation and while I'm seriously considering sending this to a consumer attorney I want this removed! This is hindering my ability to obtain credit. And Equifax is no better! When I asked for their method of verification the response was to contact the company providing the information. And the crazy thing is this account has a {$0.00} balance so what are they updating?
Complaint sub-issue: Their investigation did not fix an error on your report

Dating back to 2015, I was a victim as were several others as prolific identity theft through at uncontrolled mail room. I alerted Equifax and XXXX or XXXX of my status of having my identity stolen and have been on dozens of calls many promising unreturned phone calls since then. I utilized the CPA, specifically 15 U.S. Code 1681c-2 with all the relevant and required information and a block on my identity stolen XXXX account XXXX. This block was later removed at the request of the creditor and I have called or disputed this account no less than 12 times since then. 

All creditors have an incentive to hold the consumer responsible for charges, less they have no hope of recovering them. This is why the after mentioned statute does not even mention the creditors opinion but instead sets out three criteria in which the CRA can remove a block, none of which apply to me. The black was nearly removed at the creditors request without an investigation by Equifax and I was not informed of any of this, thus violating point 2 of the aforementioned statute. They refuse to reinstitute the block in four days as prescribed, and instead continue to run disputes of 30 days, which the creditor denies and this it remains on my credit report. 

This is especially troubling, because I'm trying to buy at home and the difference in the credit scores between the different agencies vary by over 100 points affecting my rates significantly. I've received no communication about why the black was removed of which there are only three reasons in which it should be and none of them have to do with just the creditors biased opinion but with facts that could be relayed by the creditor but must have been communicated to me in a timely manner and still cant be communicated every time I call except with a the biased creditor asked us to. I demand that this consumer protectection statute be observed and this XXXX account be removed from my Equifax report as it has been by the other major agencies. 

Equifax has been in violation of sections ( b ) and ( 2 ) and has been through multiple complaints. The statute places all the onus on the CRA and not the creditor and their refusal to comply has passed every reasonable time line. I expect this issue to be resolved immediately, unless they can show ( 1 ) ( A, B, or C ) yet I have received no communication from them.