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

After several attempts to get Equifax to correctly report my credit report they have refused. I have sent in verification letter documents and filled disputes both online and speaking to a representative. I have been trying to get Equifax to correct my name, inquiries ( which my file is frozen with them ) fictitious accounts they are reporting as verified. These accounts nor inquiries can not be verified because I gave no permission at all for these. XXXX and XXXX have corrected their incorrect information but not Equifax.
Complaint sub-issue: Information belongs to someone else

I would like to file a formal complaint against Equifax for violating my FCRA rights. I've sent several letters to Equifax to try and get them to investigate these inaccurate accounts on my behalf. Due to the security breach I am concerned that they have not responded to my requests. They haven't done anything to help me get these inaccurate accounts and errors removed so I am reaching out to you for help. I have attached the last letter I sent them so you can see all of the inaccuracies in their reporting. Please help me get these accounts removed.
Complaint sub-issue: Contacted your employer

ECMC has attempted to contact me and collect on a debt that is not owned to them since XXXX XXXX. They have sent letters, called my cell phone, my family members and my place of business. I disputed the claims that ECMC has placed on all 3 of the credit bureaus under the Fair Credit Reporting Act. ECMC sent a letter to me on XXXX XXXX, XXXX that I owed XXXX in student loans and they would be contacting my employer to garnish my wages. 
I am currently under a payment plan to pay my student loan back and do not owe ECMC. I 've never taking out a loan with ECMC nor given them my information. 
I would like for Educational Credit Management Corporation to not contact me or my place of employment anymore.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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: Banking errors

I received an email ( attached ) from Citi XXXX XXXX XXXX on XX/XX/XXXX that I would get a {$200.00} cash bonus if I open a high yield checking account with required activities. The requirement to earn the {$200.00} cash bonus was " Open a new Citi XXXX XXXX Checking Account by XX/XX/XXXX. Then, within 30 days after account opening, deposit a minimum balance of {$5000.00} and maintain the balance for 60 days to receive your {$200.00} cash bonus. '' So I opened the checking account on XX/XX/XXXX with {$50.00} initial deposit, and made another {$5000.00} deposit on XX/XX/XXXX, and have kept a balance of {$5000.00} from XX/XX/XXXX to today XX/XX/XXXX. Therefore I have met all the requirements to earn the {$200.00} cash bonus. But as of today I have not yet received the cash bonus. When I called Citi bank on XX/XX/XXXX inquiring about the bonus, I provided Citi bank Customer Service the promotion information and the promotion code I received from Citi on XX/XX/XXXX. And my checking account was credited with {$200.00} on XXXX/XXXX/XXXX labeled as " Credit Adjustment for Inquiry # XXXX ''. However, on XX/XX/XXXX, Citi bank withdrew the {$200.00} credit from my checking account with an online message ( attached ) saying " Unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account. However, if you have a copy of the promotional documentation or letter you received, we may be able to assist you. If you have a copy of the promotional documentation, please fax the copies to XXXX. '' I faxed the promotion email I received from Citi on XX/XX/XXXX to Fax # XXXX, along with a fax cover letter ( attached ). But Citi bank still would not honor their promise of the {$200.00} cash bonus. I have called Citi bank customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I could not get resolution for this matter. I want to file this complaint so that others would not fall for this trap from Citi bank. Thanks
Complaint sub-issue: Debt is not yours

Starting in XX/XX/2021, I started disputing these unknown accounts with all Three ( 3 ) credit bureaus. I would receive notification that the accounts were " verified as accurate and updated '' These accounts do NOT belong to me. The original debt was with XXXX, and sold to Jefferson Capitol System. When I dispute, Jefferson Capitol sends me an offer to pay and delete. I sent a Method of Verification, and instead of sending me what I requested, they again sent me an offer to pay and delete. 

The XXXX XXXX account does NOT belong to me, and I have no knowledge of this account either.
Complaint sub-issue: Account information incorrect

There are 4 late payments showing on my credit report from Nelnet on two different loans. These loans were in forebarance and there was an issue with the forebarance continuance. The continuance of the forebarance was corrected ; Nelnet stated all late payments were to be removed. 2 years later and multiple disputes they will not remove them.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX is listed on my credit report as a debt, they have not provided me with any information stating this debt belong to me, they have not verified any account info etc, I have never had any obligations towards this company, they do not state who they represent..no information at all provided to verify my identity that this debt is in fact owed by me.
Complaint sub-issue: Company closed your account

I was informed via email on the evening of XXXX XXXX by discover card that my account has been closed as they were not able to verify my personal information as it looks like they sent me the form and they did not receive it. I already sent and signed all the form which I was asked and sent it to them right after I was asked on XXXX XXXX. I have confirmation for XXXX XXXX where I signed the form and sent it to back and was told all parties have been informed.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed these collection with the credit bureaus 3 months ago and have not received results. I find it weird that XXXX was the only one who deleted the accounts. All the other bureaus have not even conducted an investigation. If they have, I am 100 % sure that they were not able to verify the debts because XXXX couldn't. Don't they get the information from the same creditors? Hmmm. Anyways it has been over 30 days and after doing some research of my own I realized that these accounts must be deleted because the investigation took longer than 30 days 611 ( a ). 
Please delete these accounts.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permissio
n. 

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 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Complaint sub-issue: No notice of investigation status/result

( The above is the confirmation number on the results of my dispute from equifax -dated XX/XX/XXXX ) What Happened : A XX/XX/XXXX bill from XXXX XXXX that I do not owe was placed as an collection item on all of the Credit XXXX XXXX XXXX. I successfully disputed the debt, having ask that the debt be validated, which they can not do. 
Then around XX/XX/XXXX the debt was was re-inserted to the credit reporting agency.s I received NO notice of this re-insertion. I only found out late in XX/XX/XXXX by checking credit karma as I was thinking of buying a car after the XXXX of this year. I immediately disputed with Transunion and Equifax. I received notice last week that Transunion has removed the item from my report. Equifax just sent notice that they were not removing the item. Please advise Equifax of the rules on re-insert and have this item removed. Please let me know if you need any additional information. 
I have attached a copy of the XX/XX/XXXX, reply from Equifax.
Complaint sub-issue: Didn't receive enough information to verify debt

I recently pulled a copy of my credit report and noticed a collection account by IC as I do n't recall signing any contract with a company by this name nor do I recall receiving any duns letter by them. so I send them a certified letter tracking number XXXX XXXX XXXX XXXX XXXX requesting for a copy of any viable evidence bearing my signature showing the account is being reported accurately. I also informed them as per FTC letter from Attorney XXXX XXXX XXXX you should be aware that a printout of a bill or itemized documents does not constitute verification. being that I have that right under the Fair Credit Reporting Act and Fair Debt Collection Practices Act but they have refused to send as well as mark my account as disputed within the 30 days which is a violation of my rights under willful noncompliance as per FCRA 623 ( a ) ( 3 ) Responsibility of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s- 2 ]
Complaint sub-issue: Was not notified of investigation status or results

Last XX/XX/2022, I sent out my dispute letter to you and its been over a month now, and I havent received any response from you yet. As far as I know, under section 611A, you are legally obliged to respond to my dispute letter within 30 days. However, up to this day, I received nothing from you- which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information may also have gotten to the hands of the wrong person because of the Equifax data breach and you need to do your part to investigate and clean up these errors.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't 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 719XXXX has me at a score around 590. 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 us rept 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 three 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Other problem

I have a XXXX ( XXXX ) AT & T Universal Card Mastercard that closes each month on the XXXX. Minimum payment is due by the XXXX of the month. I have an auto-payment agreement for them to take funds from my checking account for the minimum balance if it is still due by the end of the month. 

On my statement closing XXXX, there was a minimum payment due of {$130.00} by XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my account and successfully made the minimum payment of {$130.00}. 

And on XX/XX/XXXX, I logged into my account and successfully made an additional payment of {$160.00} to bring down my balance further. 

However, on XX/XX/XXXX, Citi drew the {$130.00} minimum balance from my checking account although I had more than paid what was due for the month. 

I was able to call them today XXXX and speak with employee XXXX, who politely looked into the matter and let me know I would be refunded the XX/XX/XXXX payment they took from my checking account. 

( I have had this happen once before with another card, XXXX VISA, about a year ago. For XXXX, this seemed to be a timing issue, but it should be completely avoidable with proper policy and systems changes. ) Most importantly, when I pay the minimum payment TWO WEEKS before it is due, I should not have the card company pulling funds from checking account. 

Needless to say, it makes it hard to plan for paying things like rent and utilities when a creditor violates an agreement and takes more money than is required. 

While I will get my refund, I do not want this to happen again EVER to me or any other card holder for any company. When minimum payment is made OR any payment is made that exceeds the minimum payment, then the creditor has NO RIGHT to take another payment. 

I would appreciate your looking into the matter. This is an especially difficult time for people who can't make two minimum payments for the same card for the same month if they have another card or other responsibilities due that month, too. 

Thank you for your assistance. 

Kind regards, XXXX
Complaint sub-issue: Fees charged for closing account

I called Citibank ( XXXX ) on XX/XX/22 at XXXX XXXX to close my Savings Account. The Customer Service Agent advised they could not close my account and gave me another number ( XXXX ) to call to close my account. When I called that number, they stated I needed to provide them with my account number and social security number. They then asked for my credit card number because they needed to charge me {$4.00} to proceed with closing my account. This did not sound right so I hung up and called the original Citibank number back. This time the Agent said they could help me and they closed my account. Unfortunately, someone has my account number and social security number and I don't believe it's actually Citi, even though one of their employees gave me the number which I verified was correct with them before calling.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 

1.XXXX Inquiry from XX/XX/XXXX 2.XXXX Inquiry from XX/XX/XXXX 3.XXXX/XXXX  Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX  XXXX Inquiry from XX/XX/XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX/CBNA to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Complaint sub-issue: Information belongs to someone else

I have sent  XXXX  letters requesting removal of the account "  XXXX   XXXX   XXXX  '' from my credit report between all three CBs due to this account NOT being mine.   XXXX   and  XXXX  admitted that they could not verify the account belonged to me, and promptly removed it from reporting. However, even after  XXXX  separate noticed to Equifax, they refuse to remove it. I sent a demand requesting that they disclose ALL information regarding how they verified that this debt was mine, including the name and number of the individual working for Equifax, the name number and title of the person who furnished the information to that person, and all supporting documents. Equifax has continued to ignore my requests. Since they are reporting still to this day, we can assume they claim it 's verified.  XXXX   XXXX   XXXX ,  XXXX  Edition,   XXXX  , defines  Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that   Equifax must be willing and able to produce a document in their files that proves the account in dispute belongs to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against them. Someone in their company must authenticate the documents in their files that were used to verify the disputed account and to do this they must have   1st hand knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. Verification MUST consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). My request is THE LAW. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
I demand that this account be removed from my credit file as two other CBs have already accepted that this account is NOT mine and should have never been reported as such.
Complaint sub-issue: Account information incorrect

The Health Insurance Portability and Accountability Act of 1996 governs health insurance ( HIPAA ). I retain the right to prevent any third party reporting agencies from accessing the privacy of my personal data and medical records. With this letter, I seek confirmation of the information provided, along with full documentation that includes all the data you allegedly obtained from the service provider of the debt. FCRA ( Fair Credit Reporting Act ) violations include continuing to disclose this medical debt without properly verifying it and giving me evidence that I have permission to do so. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX Balance {$140.00} XXXX XXXX  ( MEDICAL ) XXXX Balance {$140.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$22.00}
Complaint sub-issue: Debt is not yours

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Receivables Management Systems in   XXXX  . I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.     Additionally, I am allowed under the Health Insurance Portability and Accountability A  ct ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and me  dical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Please note that withholding the information you received from any medical provider in an attempt to b  e HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to a  llowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Complaint sub-issue: Reporting company used your report improperly

i am a live human being i have the rights under 15 USC 1681. 

Equifax is govern by 15 usc 1681. and they have violated my rights too many times. I demand the accounts listed be low removed because according to 15 usc 1681 : i have the right to privacy and i did not give equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

Account with IC SYSTEM INC has been disputed on my credit report, however, it has not been removed. I have no knowledge of this account.