Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Over the course of a year and after several phone conversations and letters with Equifax regarding several consumer credit transactions showing on my reports " still '' showing up, have refused to remove them. Per 15 usc 1681b ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave them permission to furnish these accounts on my behalf no consent is Identity Theft.
Complaint sub-issue: Attempted to collect wrong amount

Sent XXXX letter XXXX received response XXXX. Collection company was unable to locate account and not able to verify. Which under the XXXX act if they are unable to varify the debt must be deleted. XXXX letter included all info they needed to locate debt.
Complaint sub-issue: Deposits and withdrawals

US Bank XXXX Colorado. Deposited check made out to me & my husband, both of us endorsed back of check. US bank the next day held check until we came in with both our IDs since it was a joint check being deposited into my sole account. We both went in with our IDs and copies were made. The branch manager was at lunch & we were told we would not have to return since copies of our IDs were made. The branch manager XXXX XXXX returned from lunch and proceeded to call me and yell at me for interrupting his 3 hour lunch & unless I personally came in showed him some respect and apologized before XXXX he would not deposit my check & make it hard for me to get my money this is a {$13000.00} check for my roof replacement which starts today & now I am at the whim of a manger who has a giant ego & thinks its his money not mine.
Complaint sub-issue: Account information incorrect

A creditor is currently reporting incorrect information to Equifax, XXXX, and XXXX credit bureaus. I sent each credit bureau a letter on XX/XX/XXXX disputing the inaccuracies, however, their research into the disputed did not net the results I requested. I asked for original signed documents/applications associated with the account. I also spoke with the original creditor about the error but was ignored. The item shows up as XXXXXXXX XXXX XXXX on my Equifax report, account opened on XX/XX/XXXX ; the item shows up as XXXX on my XXXX report, account opened on XX/XX/XXXX ; and the item shows up as XXXXXXXX on my XXXX report, account opened on XX/XX/XXXX. The company is reporting inaccurate information, as my wife and I did open an account with these companies on XX/XX/XXXX. As such, I've requested signed documentation that XXXX and XXXX XXXX opened an account with each of these companies on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019 I C System, Inc. added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, I C System, Inc. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Sent XXXX & XXXX and Debt Validation to XXXX and certified mail w/signature was signed and dated for XX/XX/2022, signed by " XXXX XXXX XXXX XXXX Received an email on XX/XX/XXXX from " XXXX XXXX '' advising me of receipt and they will be working on my correspondence within 30 days. On XX/XX/XXXX, sent a reply to XXXX requesting for the reply since it was well over the 30 days. No one replied up until XX/XX/XXXX, from " XXXX XXXX '' requesting I verify information by giving them my XXXX acct number, or social security number, XXXX and First and Last Name. Also, I should restate question and concern. 

On XX/XX/XXXX, I received a message stating the XXXX account has been closed and the amount has decreased. Still no update from XXXX. 

XXXX has destroyed my credit report along with my reputation to gain additional credit since this reporting is derogatory on many levels. 

I am demanding this account deleted from all CRAs including but not limited to, XXXX XXXX XXXX, etc.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I just reviewed my credit report and noticed several inquires that i did not authorize and it has caused my credit scores to drop big time.
Complaint sub-issue: Information is missing that should be on the report

There are " numerous '' accounts that were possibly accidentally deleted from my credit report and it damaged my report and scores tremendously. I contacted Equifax and spent over an hour with the representative, however, the representative indicated that my old " good '' accounts are forever deleted! This is now putting a strain on my good credit rating. I have attached all my OLD accounts that were accidentally deleted that needs to be put back on my Equifax Report. 

** I have provided a document that shows ALL the good accounts deleted. 

** I have provided a one month old credit report that dictates all the older information ( some of which I have disputed for ID Theft, but includes the " good accounts that should have NOT been deleted that shows in the deleted documents ), and ** I have provided a CURRENT credit report that " no longer '' show that good accounts which SHOULD be reporting.
Complaint sub-issue: Information belongs to someone else

Innovis file ( # XXXX ) I received my Innovis report and discovered that there were accounts on this report not relating to me. I was a victim of identity theft. I have sent to them my FTC ID affidavit signed and notarized including the police report attachment and identifications that identify me. They have ignored the FCRA law of section 605B. FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report.

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

They did not provide one of the statutory reasons that permit them to deny within the four days the law permits.

Additionally, the reason of conducting a 30 day investigation is not a condition of blocking under section 605B. 

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. These accounts need to be removed and deleted from my report. 

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

We pay monthly on debts accumulated from a family member that has since passed. Regardless we pay on the outstanding debt ( s ). We have told each creditor that we will pay monthly. The calls keep coming. We have caller ID.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/, I sent a letter regarding inaccurate and unknown items on my credit report. I have also continually called them via phone. But p until today, I have not received a response yet. I feel like I am being take advantage of and my dispute is being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress and embarrassment it has caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person. Additionally, I have asked all the credit bureaus to verify this Bankruptcy and they sent back a letter stating it was verified with the courts. I then asked the courts if they verified information and they sent me a letter stating that they in fact DO NOT verify information. I have asked all of the bureaus how did they verify the bankruptcy and they have failed to send me proof.
Complaint sub-issue: Debt is not yours

Do not know about the account that is listed on my credit report
Complaint sub-issue: Reinserted previously deleted info

The below attached are screenshots of various credit reports pulled over the past 5 months from Equifax. Since I 'm a paying member to their monthly services, I would routinely pull & monitor certain aspects of my file. In XXXX 2015, I was pleased to see that a bad mortgage debt and other derogatory information had finally " fell off '' my credit file. It has been almost 10 years since my divorce, and almost 8 years since my identity theft had occurred, and I have been dealing with & struggling to gain back control of my credit and have encountered almost daily obstacles to correcting inaccurate information. 
It appears my latest attempts to have you help get my score repaired to its once higher state have met with some success, however, I 'm still dealing with the mortgage information being entered, deleted and re-entered back onto my account. 
Attached with this notification, is a letter from XXXX XXXX stating that they have no records of my account # XXXX and have asked all XXXX credit agencies to remove these items from my report. So far, XXXX have successfully deleted this item, but for some reason, Equifax will delete them, then re-insert them and update the information as if it 's corrected and true. 
I request that all of my mortgage accounts be removed from my credit files, as they are approaching 7 years since last report date, and have been almost 9 years since last activity. In addition, XXXX XXXX XXXX XXXX only has XXXX records with my SSN associated, XXXX being a Credit Card and the other being a Savings Account with a small balance. They have no record of my past mortgages and can not find them in any system. I 've literally spent months speaking with them and have received a fax from them stating they have no information relating to this account that keeps " popping '' back up on my credit file. 
( Attachments ) - Monthly Screenshots of my Credit File " Mortgage '' Summary ( Attachment XXXX ) - XXXX Fax - to delete erroneous accounts
Complaint sub-issue: Information belongs to someone else

Equifax, still shows XXXX hard inquires, that have been reported as fruard, by myself and the credit card company. But was never taken off. 

Ive tried several times. But unable to reach equifax, customer service.this is the most unprofessional service Ive ever experienced.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX FOR OVER A YEAR NOW HAS BEEN REPORTING ON MY CREDIT REPORT. FILED COMPLAINT IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANY VALIDATION ON DEBT REPORTING. THIS DEBT CONTINUES TO BE REMOVED FROM XXXX/EQUIFAX/ XXXX   THAN REPORTED AGAIN SHOWING MORE THAN ONE OF THE SAME ACCOUNT XXXX XXXX XXXX   HAS NOT SHOW LICENSE NUMBER NOR INFORMATION FOR COLLECTING IN MY STATE
Complaint sub-issue: Account status incorrect

Fed Loan is reporting inaccurately on my credit report. These accounts show as collections status and they are not. I have consolidated them and should be reporting as a good open line of credit. I am requesting they fix this as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account NumberXXXX XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account NumberXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number 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: Information belongs to someone else

I informed the credit bureaus that the address on the account was not mine and keep reappearing.
Complaint sub-issue: Billing problem

Made a payment on XX/XX/2019 for a XXXX XXXX, and traded the XXXX XXXX in XX/XX/2019. I traded the XXXX XXXX in on a XXXX XXXX from XXXX XXXX on XX/XX/2019. An automatic withdrawal was made from my primary checking account at XXXX XXXX XXXX {$430.00} on XX/XX/2019 for the XXXX XXXX I previously traded in. I called commerce bank where the XXXX XXXX was financed through, and they directed me to call the dealership as no payoff payment had been received on this vehicle. I called the dealership, who said they cut the check to commerce bank, and stated they had sent payment the day XXXX took possession on the XXXX XXXX, and that I should contact the bank about the lost check. The bank told me that they received a check in XXXX that was back dated to XXXX, and that any over payment would be returned to me. Now I have documentation that the loan was payed in full from XXXX, but fails to show any refunded payment amount for XXXX.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX, and I am submitting this complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XX/XX/XXXX, I checked my Equifax credit report and discovered a collections Account. 

According to Equifax, the Date of Delinquency was XXXX XX/XX/XXXX, and the Account status was " UNPAID ''. 

I filed a dispute and attached the payment confirmation email from XXXX XX/XX/XXXX showing the payment was made. 

On XXXX XX/XX/XXXX I received notification of Dispute resolution : THIS ITEM HAS BEEN UPDATED TO REPORT AS PAID IN FULL. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DESCRIPTION *STATUS DATE *BALANCE *BALANCE DATE *LAST PAYMENT DATE. 

Due to the Corona Virus situation, Equifax offers weekly reports through annualcreditreport.com, so on XXXX XXXX, XXXX I checked my Equifax credit report and noticed that although the Status is listed as " Paid '', the Last Payment Date is listed as XX/XX/XXXX. 

Accordingly, I filed a second dispute, as the Last Payment was made in XXXX. 

In the Equifax dispute center, the 4 options were : 1 ) I paid this debt before this account went into collections. 
2 ) The balance or past due amount is not correct. 
3 ) This collection is included in my bankruptcy. 
4 ) I believe I am a victim of fraud or identity theft. 

I chose 2, as it was the closest. Additionally I added a comment specifying that the Last Payment date was incorrect, and to refer the payment confirmation email dated XX/XX/XXXX. ( I re-attached the payment confirmation email to this dispute ) On XXXX XX/XX/XXXX, I received the following Notification of Dispute Resolution : THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. 

On XXXX XX/XX/XXXX I checked my Equifax credit report. The " Last Payment Date '' is still listed as XX/XX/XXXX. It seems Equifax ignored my dispute comment and my supporting document. 

On XXXX XXXX I filed another dispute, this time calling and speaking to a representative to make sure that there was no confusion. I explained very clearly that the " Last Payment Date '' was incorrectly listed as XX/XX/XXXX, when it had been paid in XX/XX/XXXX. 
The Equifax representative even confirmed that my previous dispute included the confirmation of Payment email from XXXX XX/XX/XXXX showing the payment was made. 

Last week I received a letter with the Notification of Dispute Resolution : WE HAVE VERFIED THAT THE LAST PAYMENT DATE IS REPORTING CORRECT, THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. 

On XX/XX/XXXX, I checked my Equifax credit report again. The " Last Payment Date '' is still listed as XX/XX/XXXX. 

In conclusion, despite filing 3 disputes and including evidence of payment from XX/XX/XXXX, Equifax has failed to correct the payment date on the account, and still lists the Last Payment Date of XX/XX/XXXX. Not only does it appear that the account was delinquent for an extra 3 years, but the incorrect date of XX/XX/XXXX is 5 days after I filed the original dispute on XX/XX/XXXX.
Complaint sub-issue: Funds not received from closed account

I reviewed the letter from citi bank regarding my complaint : XXXX but some information in the letter is incorrect : I opened citi bank checking account thru online and entered all correct personal information and got approved and funds are transferred from my external bank to citi bank XXXX After around 10 days I did not receive my debt card I called citi bank and they checked my account and found the account address is wrong and they corrected my address. 

On citi bank response letter they mentioned I provided business address which is not true. I entered my home address ( not business address ) but when the address back to citi bank system the address showed incorrect. Citi bank need to check up their system why customer address showed incorrect even customer entered correct home address. 
Also when they decided to froze my account after account opened 30 days I called many times and asked the reason for closure as no notification provided to me for the froze but they did not tell me the reason. 
Since citi bank did not tell me what the exactly reason why my account got froze and only tell me it will take 30 - 60 days to get my account closed, I asked my external bank to help me get my funds transferred back because I do not want my funds froze by a bank for 60 days and I do not even know what is the reason. But citi bank rejected my external bank 's transaction.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax XXXX and experience concerning my student loans which were discharge as of XX/XX/2020 unfortunately they are still affecting my credit and because of the discharge because of my XXXX they should no longer be affecting my credit as a matter fact they should be on my credit at all because of a discharge I have tried several times to get this resolved and steal all three of the credit Bureaus continue To report this derogatory information these items should no longer be on my report at all so I asked them to remove them and unfortunately they have refused to do this.
Complaint sub-issue: Old information reappears or never goes away

After submitting letters by certified mail to " XXXX XXXX  '' the collection company that it is reporting me and also to the 3 credit Bureaus XXXX, XXXX and Equifax. The information in my credit report still showing discrepancy. On XX/XX/XXXX it was showing as the account was closed and then in XXXX it was active again. Also, the balance showing in that account keeps changing constantly. Up to this day the company " XXXX XXXX '' as been able to provide proof that this account belongs to me, and it hasn't been verified with the credit Bureaus. Please investigate this matter and correct the disputed item as soonest possible.
Complaint sub-issue: Debt was paid

I was given a XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX and was put on a plan to pay monthly with the understanding that I wouldn't own the equipment until I had paid a specific dollar amount. My insurance company, XXXX, was also billed and paid for a portion of the equipment. I did pay monthly for a long period of time until the manufacturer XXXX XXXX SENT OUT A RECALL NOTICE stating the equipment was found to be a CARCINOGEN risk and that it had to be returned to my medical provider. Within 3 weeks of that notice I took the equipment back to the medical office that gave it to me, with every accessory that came with it and in the original carrying case. I also provided them a copy of one of the recall notices that I got from XXXX XXXX and a copy of the XXXX XXXX website showing the specific model that I was given. I asked for someone to confirm that my billing would stop and was told that there was nobody available at that time so I instructed the girl at the front desk to discontinue billing me and to discontinue billing my insurance company and I left the recalled equipment in their office. The billing continued to accrue for several months coming to a balance of {$320.00}. I called their office and requested that they cease and desist billing me for a recalled piece of equipment that was potentially cancer causing, and that I had returned to them. When that didn't happen I went INTO their office and told a different receptionist at the front desk to get with whomever was handling insurance billing and stop the billing. She told me that she was the only person in the office besides the doctor, who was with a patient, and made a rude comment about Covid. They continued the billing and then sent my account to a collection agency for the {$320.00}. I have disputed it 4 times with XXXX and both myself and XXXX have provided them with the recall documentation from the manufacturer to verify I didn't just return it and stop paying randomly. The collection agency, XXXX XXXX, continues to respond to the credit bureaus that the debt is owed. I have called, written, e-mailed, disputed and now I am reaching out to CFPB to intervene. I have all the evidence of the recall of the machine, and the equipment was connected to my internet and supposedly reporting until I returned it. They can verify if/when it was being used. Please assist me in getting this erroneous debt off of my credit and that I am treated fairly!!!! On the internet you can SEE THAT IT WAS RECALLED AND DANGEROUS you can see XXXX REVIEWS THAT STATE OTHERS ARE HAVING THE SAME ISSUES WITH THE ORIGINAL MEDICAL OFFICE. I don't know what else to do to get help and get this removed from my credit reports. I have provided and requested documentation for any sort of verification. I didn't sign anything at the doctors office and they didn't provide me with a receipt when I returned the equipment. They continued to fraudulently bill my credit card AND DEFRAUD MY INSURANCE COMPANY.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX and I am submitting without error or influence from any third party or agency. Please see my attached documentation as it contains my request.
Complaint sub-issue: Debt was result of identity theft

on XXXX, XXXX, XXXX I looked at my credit report and it went down XXXX points and I saw that there was an open balance of {$300.00} threw a collection agency called Enhanced Recovery Company and the original creditor was XXXX XXXX XXXX XXXX XXXX and it was opened XXXX, XXXX, XXXX. This was very concerning because I have never had any kind of cable service in my name.