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

Initial CFPB complaint : XXXX XX/XX/XXXX was filed against XXXX and Equifax, XXXX is a collection agency that was contacted by XXXX XXXX XXXX XXXX for a loan that was already paid off. They ended up on my credit report anyway. 

XX/XX/XXXX response verbatim from XXXX XXXX c/o XXXX on that complaint : ... acct was received by TXXXX XX/XX/XXXX, XXXX reported paid XX/XX/XXXX ( believe he meant XXXX ) TekCollect notified XXXX  Equifax and XXXX  to DELETE this acct from this consumers credit files on XX/XX/XXXX. Today XX/XX/XXXX again notified Equifax to DELETE this acct. We have confirmed acct DELETION by XXXX and XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQUIFAX HAS NOT DELETED NOR WILL THEY REINVESTIGATE THE DISPUTE XXXX ON MY CREDIT REPORT. THIS IS A VIOLATION UNDER FCRA 15 U.S.C ss1681e ( b ) ; AND FCRA 15 U.S.C ss1681i.I HAVE REPEATEDLY TRIED SEVERAL TIMES. 
I DID MY PART. 
XXXX DID THEIR PART. 
TEK-COLLECT DID THEIR PART. 
SO AT WHAT POINT IS EQUIFAX TO BE HELD ACCOUNTABLE FOR JUST ALLOWING SOMEONES INFORMATION TO JUST SIT IDLE & FLAT OUT REFUSE TO FIX IT? ITS UNACCEPTABLE. I AM 1 OF MANY CONSUMERS THAT IS HONESTLY WORKING HARD AT REPAIRING MY CREDIT ON MY OWN, SO REPEATEDLY TRYING TO DISPUTE THE SAME THINGS IS DEFINATELY NOT OK. I DO NOT HAVE THE TIME. NOR THE PATIENCE. BUT IF ATTORNEYS NEED TO BE HIRED AT SOME POINT TO REMOVE THINGS FASTER, THEN SO BE IT. I AM TIRED LIKE MANY PEOPLE. EQUIFAX HAS HAD AMPLE OPPORTUNITY & SEVERAL NOTIFICATIONS TO DELETE DELETE DELETE DELETE THIS. WHY IS IT STILL ON MY PROFILE? I WOULD LIKE TO KNOW. I EVEN HAVE A LETTER AFTER THE LAST CFPB COMPLAINT FROM TEKCOLLECT AS PROOF & THIS IS STILL ON MY PROFILE WHY? EQUIFAX WHY? I ALWAYS HAVE AN ISSUE WITH EQUIFAX VS THE OTHER BUREAUS ON REMOVING SOMETHING.
Complaint sub-issue: Attempted to collect wrong amount

I hired XXXX XXXX XXXX to negotiate with my creditors and resolve any past due balances I enrolled in a payment plan in 2017 at XXXX monthly until all accounts were resolved currently still in program at working off the last ( 7 ) XXXX XXXX XXXX Credit card Services was the only account left after several attempts by XXXX XXXX XXXX they refused to negation and would no loner speak to my representatives that took over my debt, I am XXXX XXXX XXXX a only receive below standards of Living income monthly. I personally tried to reach out to XXXX XXXX XXXX and was told the account was a charge off and was sold to Hunt & Heriques Law firm,  XXXX XXXX drafted up a summons and complaint with outrageous add on fees that XXXX XXXX XXXX never had a XXXX bill went to XXXX and I do not recall ever getting to XXXX with XXXX XXXX XXXX, This law firm Filed this with a court in XXXX county superior court I do not live anywhere near this county they falsified to the court it had jurisdiction got a summons and complaint then went to a family members house where I never lived at and gave the summons and complaint to a family member XXXX XXXX I have a Video off a XXXX  camera with process server not even asking for me by name only asking name of the family member. This firm is buying old debt for penny 's on the dollar the lying to the court it served papers on the Defendants I personally researched over 80 cases thrown out for improper service This firm has no legal right to any compensation they do not even have documented proof beyond my name a old credit card account no signed agreements between even opening the account XXXX XXXX XXXX has reached out to this law firm however so far unsuccessful. If I do owe Money they do not have the right to collect it under law XXXX XXXX XXXX does have that right not them I was also told by XXXX XXXX XXXX the matter is resolved and why this Law Firm Hunt & Henriques is using the name XXXX XXXX XXXX as the Plaintiff Because they are not this a a bought account Charge Off and submitting untruthful statements under the penalty of perjury is a crime countless victims have been abused by this firm in the past and has several new cases Filed in XXXX superior court in XXXX California the main objective of this firm is to file bogus law claims against people improperly serve them by any means a try to win by default because the person was never legally aware about legal action like myself was contacted by 3rd party Family member after the fact if this law firm actually represented XXXX XXXX XXXX they would have a full file with signed documents with my name and a list of charges down to the last penny its called accounting XXXX XXXX XXXX  has the funding to pay XXXX XXXX XXXX XXXX this Hunt & Heriques has failed to negotiate ( XXXX XXXX want to make money in legal fees to line his pockets with money that is not due to him and the law firm he works for located in XXXX ca.
Complaint sub-issue: Didn't receive enough information to verify debt

I consumer XXXX XXXX XXXX entered into a consumer credit transaction with Harr Toyota Inc on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Harr Toyota Inc took cash. The finance charge is supposed to include insurance, but harr Toyota made me purchase insurance separately. Harr Toyota is therefore criminally liable pursuant to 15 USC 1611.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$4000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$2700.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$12000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$4200.00} I filed an ftc report and spoke with the creditors and they refuse to remove it.
Complaint sub-issue: Debt is not yours

XXXX XXXX added derogatory marks on my credit file the amount was {$760.00}. I initially disputed it in XX/XX/XXXX Ive never had a XXXX account. ( at that time another collections company called contract callers had this account. ) which I disputed with all three credit bureaus and contract callers the results from that dispute was the deletion of this erroneous debt. 

On XX/XX/XXXX I was notified by my XXXX app that ( ENHANCED RECOVERY ) been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. I dont have a signed contract nor any with ENHANCED RECOVERY. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt from ENHANCED RECOVERY.
Complaint sub-issue: Don't agree with fees charged

I called to file a complaint against a debt collector for XXXX XXXX Bank and received a email requesting additional information. I tried calling and got a message I was unable to leave a message. Can someone respond to this email. Thank you. 

XXXX XXXX XXXX, 2015
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Stuff on my report that wasnt me
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I sent a request to XXXX asking them to verify the account being reported on my report by XXXX XXXX XXXX XXXX  for XXXX in the amount of XXXX. I asked for copies of documents. They responded within 30 days without documentation saying that the account had been verified. I sent a second request on XX/XX/2018 asking for a demand for validation with documentation. On XX/XX/2018 I received notice from XXXX that the company that reported the information has certified with XXXX  that the information is accurate. ERC was sent a letter requesting validation and documentation on XX/XX/XXXX, as I believe the reporting is in error. On XX/XX/2018 I received a XXXX bill from them. One in the amount of {$1000.00} and another for XXXX. This does not prove the account is mine. I am asking for original documentation or contract that validates the account being mine, as I believe this account is being reported in error and negatively impacting my credit worthiness.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fain Credit Reporting act XXXX Account number XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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: Credit inquiries on your report that you don't recognize

I have fraudulent inquiries on my credit report on XXXX from the following lenders : XXXX, XXXX, XXXX XXXX, Great Lakes XXXX, and XXXX XXXX XXXX. And on the date of XXXX XXXX is also a fraudulent inquiry.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem accessing account

Bank XXXX Citi XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The account was opened online, Prior to creating an account with CITI, a XXXX year customer of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX and a XXXX  year client of XXXX  XXXX XXXX XXXX  XXXX Colorado XXXX, Ive opened several accounts online and have been able to access the funds ( deposits and withdraws ) as soon as I activate my debit card. I received the debit card and activated the account, and was able to make deposits, then the account was locked. According to the IVR my account is still associated with debit card ending in XXXX. With an understanding for banking rules and regs, ONCE the customer is verified by the IVR from a the secure ftp data base ( which should be updated at least every 12 to 24 hours ) the customer is no longer required to provide the agent with account information ( full bank account number, debit card number etc ) as the agent may not be bonded, working for a 3rd party, over seas ( off shore ) or in a correctional facility. The account number of the screen should read ( xxxx xxxx xxxx XXXX ) because the request was for a checking account with the product of only debit. If the account was a checking account with the products paper/electronic checks and debit the account number would read ( XXXX or the same as the card number ). Every time I call in too citi, the agent request the full debit card numbers, which has the possibility to enable a data breach, misuse of the account and other activities as related to the Rules and Regs resulting from XX/XX/11. If the account is linked to a corporate account or if the person whom can be assumed as traveling, if the account is disabled the person who needs access to their funds could be left without the ability to pay or the company could report inaccurate numbers as this would be a debit in the XXXX report. ( Company XXXX is down XXXX mil due to outstanding debits being XXXX & XXXX Cards, impacting their credit score. Company is issued a XXXX from an XXXX via XXXX XXXX Additionally, the checking account with only the debit product is an interest-bearing account, The opening deport was a total of a sum greater then {$2000.00} USD. According to the Customer Service Agents SPV ( which all questions were answered and I started receiving the One-Time Pass Code ) the account was a balance of {$5700.00} USD as of the close XX/XX/XXXX. And the account was locked via fraud. Upon speaking with the fraud department, i do not receive the One Time Pass Code from the agents and they have been disconnecting the call, although Ive requested to speak with a manager. 

I want you to communicate to the banks officers, I have no problem opening a class action law suite on bases of undue financial hardship, as no reasonable accommodation has been offered, communicated or met.
Complaint sub-issue: Reporting company used your report improperly

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

XXXX XXXX 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

All accounts are fraud. 

-XXXX  XXXX XXXX XXXX XXXX XXXX {$1200.00} -XXXX XXXX XXXX  XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$650.00}
Complaint sub-issue: Information belongs to someone else

Fraud Identity Theft Collection accont from XXXX is not mine this collection account is not mine according to the fair credit reporting act this fraudulent account must be removed and blocked
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

There is an auto repair company that did work on my vehicle. It was completely damaged after a few days of taking it there. I took it back. The claimed it was something they could fix. 

They called and said they could not fix it and I had to have it towed out of there. They demanded XXXX. 

There is no pre-authorization or anything in writing authorizing them to do anything for XXXX. The car wouldn't even operate. 

The charge was on discover card. They found in favor of the auto place. Despite a police report for criminal mischief for the damage the auto place caused and no evidence showing authorization.
Complaint sub-issue: No notice of investigation status/result

I filed an online dispute for inquiries on my credit report. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. None of these fits this requirement. Opened dispute on XX/XX/XXXX and received a response on XX/XX/XXXX that each and everyone was a factual record of file access. That is the problem file access by companies that do not meet the guidelines and no information from Equifax showing how they validated each and every one of them. I would like to have these removed and Equifax needs to know that spending 2-3 days on a response would not allow for anyone to do any kind of research or proper validation against the rules and regulations stated in the FCRA. I look forward to your assistance in this matter!
Complaint sub-issue: Old information reappears or never goes away

I am writing to advise of an ongoing discrepancy on my 3 credit bureau reports ( XXXX, Equifax and XXXX ) caused by XXXX/ XXXX XXXXXXXX ( formerly known as XXXX XXXX ). They are currently reporting an account and  associated loans as a profit and loss write-off, with the current balances due. This account/loans were for Private Student Loans, which are unsecured loans and not federally funded. Their website indicates that the first payment was due on XX/XX/XXXX and no payments were ever received. As you are aware, there was no grace period on these private student loan. I have made multiple requests, over the past several years, for copies of any promissory notes and/or contracts bearing my handwritten signature, but none have been provided to date. Given these facts, I assert that XXXX/XXXX XXXX ( formerly XXXX XXXX ) is currently in violation of the FCRA as described below : Per FCRA 605.  Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The 7-year +180 day period which is allowed under FCRA began on XX/XX/XXXX and has since expired on XX/XX/XXXX. Regardless of XXXX 's choice to officially charge off the account/loans at a later date, my protection under this rule should not change. I therefore requested that the account and all associated loans be deleted from my credit report with all three credit bureaus ( XXXX, Equifax and XXXX ) IMMEDIATELY, with written confirmation sent within 30 days. I also request that XXXX ( formerly known as XXXX XXXX ) and its assignees refrain from any and all collection activities including credit reporting at a later date. Failure to remove these accounts constitutes a violation of the FCRA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My updated credit report from Equifax was reporting of a inquiry that is not connected to me. The inquiry posted should not be on my report because I have neither inquired nor reached out to this inquiry. If Equifax has made an extensive investigation about this, they should have removed all this inquiry. However, they have not their duties of either confirming the item and/or reaching out to me to notify. Here is the list of the unauthorized inquiry : XXXX Date of inquiry XX/XX/2021
Complaint sub-issue: Account status incorrect

I applied for the loan on XX/XX/2019 and It was secured loan and I made 4 months of worth of payments and I paid it off on XX/XX/2019 and the company send me a check in the amount of XXXX and some change I called them and I ask them when they are gon na report to the credit bureau and they said in the first week of XX/XX/XXXX and so far it still shows in all three credit bureau I still owe this amount of XXXX and I paid it off early .. and disputed with the credit bureaus and it was denied within 2-3 days and im asking self lender to report my account as closed
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXXXXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$430.00} XXXX cards is on there also and its alot of inquire on my credit report that are unauthorized by me i have no knowledge
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX Reference # 's XXXX and XXXX has violated my rights. 15 U.SC. 1681 section 602 A, States : I have the right to privacy. 15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions. I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. XXXX refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately. Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked experian how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like lexis nexus. I will not accept another reinvestigation of the information Only deletion of the information
Complaint sub-issue: Not given enough info to verify debt

IC SYTEMS INC. CLAIMS I OWE AN UTILITY COMPANY {$140.00} SINCE 2014. I DO NOT OWE ANY MONEY TO ANY UTILITIES COMPANY. I HAVE NEVER BEEN INFORMED ( VIA PHONE NOR IN WRITING THAT I OWE THIS AMOUNT. ) THEY HAVE REPORTED THIS INCORRECTLY AND IS AFFECTING MY CREDIT REPORT.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax Inquiry Names : XXXX XXXX - XX/XX/XXXX XXXX - Card Services - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I have contact Equifax numerous of times about the above unknow inquires on my credit report and to provided me written documentation or proof that I have indeed applied for these account above. Equifax continues to updated my account as verified.
Complaint sub-issue: Personal information incorrect

Attached is my government issued state id, Inwhich is my only address, all other addresses on my report should be removed