Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

this complaint is on XXXX XXXX and Equifax in regards to reporting inaccurate information AFTER they have Verified as Accurate account XXXX XXXX XXXX. 

XXXX results File number XXXX Date Issued XX/XX/XXXX Verified as Accurate Account Type OPEN ( this item should be closed because XXXX XXXX provided me with a response yet and the debt has not been proven under my name legally ) having my name and address is not validation. I want the signed documents proving I agree to pay them what I claim I owe ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} 7 Year fall off date XX/XX/XXXX. 

XXXX results Report Number XXXX Date Generated XX/XX/XXXX Verified as Accurate and Updated -NO RESULTS were provided to me to view. I had to get a new report separately. If this item was Verified and Updated like experian has generated then I should be able to view a updated report reflecting the updates. 
I got a new report XX/XX/XXXX and these are differences. 
-Activity in the Payment History on XX/XX/XXXX proving that this account is still open when it should be closed and ceased from collection and rerooting. 
A payment history ( XXXX never extended me credit so we do not have a payment history ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} On Record Until XX/XX/XXXX. 

I got a new report from Equifax on XX/XX/XXXX and the following errors show- this account is CLOSED. 
- Date of XXXX deliqneucny XX/XX/XXXX causing the 7 year reporting time to be set to XX/XX/XXXX. 
- a existing payment history with NO DATA -INCOMPELTE closed date ( but claim this account is closed ) -Past Due {$8400.00} ( I never had a contract with them so a past due does not exist. 

I have NO CONTRACT with this entity. This entity is reporting inaccurate different information but continue to verify information with the consumer reporting agencies. I have already filed a complaint on XXXX XXXX XXXX and awaiting for correspondence. XXXX XXXX XXXX is fully aware of the information being reported because I sent them notice of the errors and the fact that they are reporting a account and have not provided validation, there collection activities is FRAUD. I sent this letter on XX/XX/XXXX tracking number XXXX at there disputing address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MI XXXX and XXXX has recieved my letter on XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX XXXX MasterCard issued a provisional credit for a disputed charge of {$190.00} on XX/XX/XXXX. On XX/XX/XXXX XXXX MasterCard reversed the {$190.00} disputed charge because the merchant stated I made a reservation by phone. I provided them a letter explaining this was completely false. We drove up to this merchant 's property, inquired on room availability, was shown a room by XXXX ( General Manager ) and agreed to stay for XX/XX/XXXX and XXXX at {$190.00} per night. On XX/XX/XXXX at XXXX XXXX we checked out and paid {$380.00}. If I had booked a room over the phone I would have received a " CARD NOT PRESENT ALERT '' on my phone, my wife 's phone, and an email none of which happened because there was no PHONE reservation. I have an email showing I contacted XXXX the day I noticed the charge on my statement and she assured me she would issue a refund. I called XXXX MasterCard and disputed the charge. When I received the letter reversing the provisional credit I attempted to contact XXXX and a man named XXXX answered the phone and advised me they were closed due to COVID 19. I called XXXX Mastercard dispute number XXXX XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I sent them a rebuttal letter on XX/XX/XXXX. I faxed a copy of my original receipt on XX/XX/XXXX and still no resolution. Now XXXX Mastercard has implemented a COVID-19 procedure and you have to leave a call back number and expect a return call. No return calls received. I discovered searching the online reviews on this merchant I am not the only one to experience the thievery of this merchant. MasterCard informs me that by not paying this amount and accrued interest will ruined my credit and eventually they will turn me over to a collection agency. Please help me.
Complaint sub-issue: Application denied

Citi is discriminating against me because I am XXXX and have been unable to work since 2015. 

I was retired from XXXX XXXX at that time, and despite providing documentation to CITI that I have over 30 years of positive credit history and after proving to them that I held a CITI card previous to my disability, CITI has refused to acknowledge my current credit-worthiness and continues to deny me a credit card. 

I can come to no other conclusion, but that CITI is refusing to grant me credit because I am XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the court house where the alleged bankruptcy was filed and they have assured me that they do not furnish this information.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters out certified over 70 days ago and no one has reached out to me. This is not right and I fell taking advantage of.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX {$230.00} this is not mines, XXXX # XXXX {$1000.00} never heard of this account, XXXX # XXXX this not mines {$2500.00}, XXXX XXXX XXXX # XXXX {$320.00} this not my acoount, XXXX XXXX # XXXX at XXXX XXXX XXXX not my account, XXXX XXXX XXXX # XXXX {$410.00} not my account, XXXX # XXXX XXXX XXXX {$210.00} not my account, XXXX XXXX XXXX # XXXX XXXX not my aaccount .Someone stole my identity and used my name
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with DEPT OF ED/NELNET. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both 3 Bureaus and DEPT OF ED/NELNET with no successful resolution. 3 Bureaus only reporting me late. There was definitely an error on their  part.
Complaint sub-issue: No notice of investigation status/result

I contacted the credit bureau by online dispute and paper dispute to let them know that my credit had been ran without my knowledge or permission and was asking for them to investigate and remove the inquiries off of my credit. I was told to if I felt like it was unauthorized to contact each company to dispute these actions. I did that with no response or action from the companies.
Complaint sub-issue: Other problem getting your report or credit score

In XXXX I attempted to create my online MyEquifax account to monitor my credit information. I have been unable to gain access to my account ever since, instead receiving a screen with the text " Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX '' on it when I attempt to log in. I have tried calling this number multiple times throughout the past years to get this resolved : the first time in XXXX I was passed around to various departments who claimed that their department didn't handle this issue until I eventually hung up after around 2 hours of being transferred repeatedly. The second time in XXXX I was told that I needed to contact Equifax support via their email service, which I did and was promptly told that they couldn't do anything for me and that I needed to call the same Equifax support number again ( XXXX ). The third time I called in XXXX, I was sent a password reset link via my email address, which I reset my password with and still encountered the same screen as before when trying to log in with my new credentials ( " Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX '' ). As such, I am unable to access my Equifax account and credit information and Equifax has been unable to resolve this issue for 3 years now.
Complaint sub-issue: Was not notified of investigation status or results

It has been 60days and I have not received my results back from the credit reporting agency. This action is grounds from immediate/prompt removal/deletion of all disputed items on my consumer report.
Complaint sub-issue: Account information incorrect

I am XXXX XXXX and upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance XXXX {$1300.00}
Complaint sub-issue: Reporting company used your report improperly

There are several account billing errors with XXXX XXXX XXXX in accordance with the fair credit reporting act this Company has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. I know that an account a written list of transactions, noting the money owed ( top part of the statement ) and money paid ( bottom part of the statement/dividend check ) : a detailed statement of mutual demands arising out of a contract or a fiduciary relationship. An account can simply list payments, losses, sales, debits, credit, and other money actions, or it may go further and show a balance or the results of comparing site transactions, like purchases and sales coupon is a definitive bearing interest instrument associated with a U.S. Treasury bearer security. 31 CFR 358.1 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 USC CHAPTER 41, SUBCHAPTER III ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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. ( f ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term " file '', when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern, I am writing to dispute the following information on my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. The same Inquiry does not show on my XXXX Credit Report. As such, it is a very serious error in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely,
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$17000.00}
Complaint sub-issue: Information belongs to someone else

I sent a credited letter return receipt 2 weeks ago addressing Equifaxs incorrect information on my report. They are reporting a fraudulent account - XXXX and removed my freeze I was entitled to and had before my last name changed! This was a file mix and they must remove the XXXX account and credit inquiries that are fraudulent and not authorized by me! I've filed a FTC report, numerous police reports, and the attorney general. I demand they block the fraudulent account and reinstate my freeze.
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 Mechanic Bank Auto to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XXXX/XXXX/2021
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 XXXX XXXX  # XXXX, XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXXXXXX 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 The above accounts have violated my rights according to 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 an 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Complaint sub-issue: Reporting company used your report improperly

I sent my complaints off on XXXX XXXX, 2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview 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.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts : # 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: Their investigation did not fix an error on your report

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

My husband and I have been receiving calles from a company claiming to be a debt collector for Flex shopper. We have never had or purchased anything from them. When they started calling they were asking for my husband. He answered and when they ask him hiss birthday and last 4 of his social it didn't match and when they asked him if his birthday was XX/XX/1975 it was my bday and it was also my Social on the account. With his middle name and out last name. 
We told them this was not opened by us and didn't hear anything for a while. 
Now they are calling asking for me on his phone and mine. Leaving voice mails and threatening to file criminal charges against me for the debt in XXXX XXXX court. 
Please help this is very disturbing.
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 USC 1681.

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 an 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 1681 s-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. 

XXXX XXXX- account number- XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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: Information belongs to someone else

I sent a letter on XX/XX/2022, to Equifax to remove the account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint XXXX & I am including it again. 

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

Equifax re-inserted a bankruptcy into my Equifax file after deleting it. However, they never notified me within 5 business days of doing so nor did they provide the contact information for the company that furnished the information.
Complaint sub-issue: Used obscene, profane, or other abusive language

ERC Corporation, is in violation of 15 U.S.C 1692-1692p. On 2019 XX/XX/XXXX, I XXXX XXXX do swear that I received a phone call at work from a Representative of ERC Corporation, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692d. The individual calling did not want to provide information to me that would help me to understand the propose of his call. 
I was unable to talk at the time of the initial call, so i called back and spoke with a young man by the name of XXXX. I verified with him my name, and the number in which i was calling from. upon locating a reference number, XXXX was able to provide the for reference number without me providing him with additional personal information. XXXX apologize for the way i was treated and would investigate the matter further.