Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

not mine remove it : FCRA violation do you really need to know why : its not good but to have one name data breaches people pretending to be you. 

so remove : XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed onlineXXXX XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY
Complaint sub-issue: Transaction was not authorized

XXXX XXXX ( XXXX XXXX ) {$250.00} XXXX XXXX XXXX x 2 ( XXXX ga ) {$200.00} & $ XXXX XXXX x 2 {$76.00} & XXXX Withdrawal @ atm XXXX XXXX XXXX XXXX ga XXXX ( XXXX XXXX  ) {$230.00} All took place on XX/XX/18 Stroller rental {$5.00}
Complaint sub-issue: Reporting company used your report improperly

Ive paid the agree amounts to discharge the student loan debt but company refuses to up hold the agreement arrangement. It was paid and removed only to return as a paid/closed and sold the paid account to XXXX.
Complaint sub-issue: Account status incorrect

I have a loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2020, XX/XX/2020, XX/XX/2020. There was an error on their part. I was never 30 days late on dates mentioned above.
Complaint sub-issue: Old information reappears or never goes away

1. EQUIFAX is reporting my closed Zero balance Credit Cards and Credit store cards multiple times. I have requested on several occasions to remove the multiple accounts for years and to no avail the accounts are being reported monthly. 
2. EQUIFAX is reporting my Credit Cards as closed with zero balance. 
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

Unauthorized inquiries on my report from identity theft EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX  XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


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

So, I went to a XXXX and they reviewed my credit card and I saw that I had 20 hard inquiries that I don't recognize and it is hurting my credit score.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Complaint sub-issue: Reporting company used your report improperly

This company under the Fair credit act is not authorize to report on my credit. I do not have a contract nor a agreement with XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have attached copies of my file from XX/XX/XXXX and XX/XX/XXXX of this year. XXXX XXXX had reported the account as being 30 days late one time in XX/XX/XXXX ( on the XX/XX/XXXX report ). But as you can see on the XX/XX/XXXX report, the account now shows a series of delinquency from XXXX through present with the existing status of 120 days delinquent. The report date of the item in question is XX/XX/XXXX and XX/XX/XXXX respectively. 

I disputed this with the bureaus who sent it to XXXX XXXX. XXXX XXXX   provided the attached letter indicating that indeed the account was only late in XXXX and that is how they reported it to the bureaus. 

I spoke to a credit bureau representative who provided the standard : " We are not arbitrators. If XXXX XXXX sends us the data, we report it ''. 

I am stuck in a loop on this. The error ( either at XXXX XXXX XXXX  reporting or on the bureau level ) is costing me thousands of dollars in financing fees.
Complaint sub-issue: Personal information incorrect

There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.
Complaint sub-issue: Was not notified of investigation status or results

I have submitted 2 separate disputes in regards to inaccurate reporting accounts and have not received any results in regards to either investigation.
Complaint sub-issue: Public record information inaccurate

XXXX  is still showing a public record ( Dismissed CH XXXX Bankruptcy ). I have disputed it with them, and they have verified the information as coming from LexisNexis. This item was removed from my LexisNexis report in XX/XX/2020. Case # in reference is : XXXX removing bk case # XXXX from my file. 
XXXX  claims that the record is verified by LexisNexis. Please explain how this is so when you have removed this information.
Complaint sub-issue: Attempted to collect wrong amount

I reached out to XXXX XXXX about a bank fee. They stopped responding and continued charging me and eventually closed the account and reported it to a debt collector, TRS Recovery. 

XXXX 's response to the CFPB contained inaccurate information and didn't answer my questions about the fees. Their response encouraged me to reach out to them directly. I did, and to this day, I haven't received a response from them. I filed a dispute with TRS, the collection agency that they sent my account to. XXXX only sent them my bank statements and didn't address the disputed amount. I spoke to XXXX in the customer service department at TRS. She told me that I would have to contact the bank directly. This isn't the way to handle debt collection. This wouldn't have gone into a collection status if XXXX had actually answered my question about whether I could close the account online after bringing the balance to a positive status. I've reached out to XXXX numerous times about this and when they do respond to other parties, they provide misleading information, and they don't respond directly to me.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I files a Complaint # XXXX with CFPB against Equifax for incorrectly reporting an alleged Bankruptcy Case # XXXX ( XXXX ) dated XXXX, XXXX on my personal credit report. Equifax has responded back with false information verified being false by the attached document provided directly by the 3rd Party vendor, XXXX, that they use to provide them with the reported information as the US Bankruptcy Court does not report nor verify directly any Bankruptcy proceedings. On the same dated I also filed Complaint # XXXX against XXXX for them supplying that information as the 3rd Party vendor to Equifax. Equifax responded back claiming that they verified the Bankruptcy information as correct with XXXX. However as documentation directly from XXXX dated XX/XX/XXXX clearly states they removed the incorrect reporting of Bankruptcy # XXXX from their files related to me and verified that they are no longer showing any bankruptcy in my name.
Complaint sub-issue: Their investigation did not fix an error on your report

MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Investigation took more than 30 days

Please reinvestigate inaccurate items posted on my report. Ive been trying to get some written information showing where I did so from all companies I have not received it. A computer is not acceptable I need the proof!. Please reinvestigate and remove this nonsense from my report as it is hindering me from better myself in life
Complaint sub-issue: Debt is not yours

To Whom this may concern, I have contacted all 3 credit agency about this account and ask that they valadate this account becouse I don't have a contract withis company and asked that it be deleted and they refuse to do it and it is in accurate and they keep saying it's accurate but will not send me a copy of a signed contract with my signature on it plase help me take care of this issue as soon as possiable. 
amout on this account is {$2000.00} I started contacting them about this account on XX/XX/2019 and with no removal yet, I asked that is accunt be removed for my account
Complaint sub-issue: Problem accessing account

I want to use my XXXX XXXX it won't let me
Complaint sub-issue: Account status incorrect

Over the greater part of the last year I've been disputing inaccurate credit reporting on the behalf of XXXX. I've completed countless dispute with both the creditor bureau and XXXX to no avail. My latest dispute was a recent as XX/XX/XXXX. I was notified in writing XXXX reviewed my account and an adjustment was made and reported to the bureaus. It's now XX/XX/XXXX and XXXX most definitely made an adjustmentit 's just further inaccurate. I'm disputing accounts that contain late payments as recent as XX/XX/XXXX. Well, unless you've been under a rock, there is a government mandate to cease loan payments until XXXX due to Covid 19. To add insult to injury the accounts I'm referencing have been closed since XX/XX/XXXX. So in a nutshell I'm receiving late payments on closed accounts, despite the government mandate. In all it's a total of 6 late payments. My credit score has taken a 42 point hit because of this and no one seems to care to help, including the CFPB. I've attached a copy of my most recent credit report for review. Also, I explained to XXXX that as a consumer I have the right to privacy and I never authorized XXXX to report on me. I was told that information was included in my MPN, which it does have a section entitled " credit bureau notification ''. However, my understanding of 15 USC 1681a ( d ) ( 2 ) ( i - iii ) is that the report excludes information solely as to transactions or experiences between the consumer and the person making the report. In addition, the corporation or any of its affiliates has to be explicit in communicating with the consumer that said corporation ( XXXX ) intends to share any private information prior to initially sharing it with a third partyallowing the consumer to direct that such information not be communicated. I at no time neither via writing or verbally was disclosed this information. So in essence, XXXX is wrong in reporting wrong information, wrongfully.
Complaint sub-issue: Their investigation did not fix an error on your report

I've been disputing these account for the pass 6 months
Complaint sub-issue: Debt resulted from identity theft

As Class Members of the XXXX XXXX XXXX XXXX XXXX XXXX, my wife XXXX XXXX XXXX and I do not owe any of the debts on our credit report save our first mortgage lien, XXXX auto loan and Federal student loans. Furthermore, I have an attached XXXXPD ID Theft Report ( # XXXX ) which further absolves me of any debts assumed to be accrued by with me with the exception of the ones listed above.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft and I have reached out to these companies stating that this is not my unknown fraudulent inaccurate accounts and addresses. There is so many violations on my consumer report including collection/charged off accounts that are not mine but still listed as open on my credit report. Account types are not listed, last date active is inaccurately dated for a post date. These accounts inaccurately and fraudulant contain information under the Bankruptcy Act. Because these companies have violated me i have expeirenced traumatize mental and financial.
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied for a promotional offer of XXXX AAdvantage  points after {$4000.00} in credit card spend. Citi is denying my bonus miles, saying that I have earned a similar promotion in the past 24 months making me ineligible. However, the last time I received a CitiBusiness AA bonus was in XXXX of 2019. I confirmed this with XXXX XXXX today.
Complaint sub-issue: Threatened or suggested your credit would be damaged

on XX/XX/XXXX i received a bill from a debt collector name ( ERC ) Enhanced Recovery company trying to collect a debt of XXXX as XX/XX/XXXX between XX/XX/XXXX they said they bought the debt from XXXX XXXX XXXX my credit report has been damaged because of this they open it as a new account collection in my credit report. i call them on XX/XX/XXXX to ask them for the original contract agreement from this account and the representative denied my request because i refused to give her my address and also threatened with damage to my credit report she hang up on me, I called one more time i to get my request i was forced to give my address even though I didn't want i, then i received a mail with the verification and it was only a piece of bill from XXXX and XXXX, no contracts no payments history and signature. i called them back again on XX/XX/XXXX and had another altercation and they insist and damage my credit and threatened me with legal batters.
Complaint sub-issue: Information belongs to someone else

Derogatory marks View all accounts COLLECTIONS XXXX  Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/2019 DISMSD/CLSD CHXXXX
Complaint sub-issue: Information belongs to someone else

In XX/XX/2018 after reviewing my credit file I noticed an account from XXXX XXXX XXXX {$550.00} that was opened up fraudulently. I contacted XXXX XXXX XXXX four times over two weeks about this account. XXXX XXXX XXXX informed me that they notified XXXX, Equifax, and XXXX on XX/XX/2018 to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018.
Complaint sub-issue: Information is missing that should be on the report

I have never missed payments with XXXX XXXX XXXX  YET THEY NEVER REPORT ON TIME PAYMENTS LIKE THEY SHOULD. THIS IS RIDICULOUS CONSIDERING THE AMOUNT OF INTEREST THEY CHARGE. I WILL BE TAKING MY BUSINESS ELSEWHERE AND DOING A REFI
Complaint sub-issue: Transaction was not authorized

1. I had several fraud transactions on my business checking account. As soon as I noniced them I called to bank ( XX/XX/2019 ) and opened the claim. Next day ( XX/XX/XXXX ) I came to US bank branch at XXXX XXXX XXXX, XXXX, CO XXXX where the banker helped me to fill the papers regarding my claim ( 5 unautorized transactions ). The bank returned my stolen money from 4 transactions. But denied the first one dated XX/XX/2019 of the amount of {$480000.00}. At first they said it was over 60 days between transaction date and the date I filed complain. What is lie, because it is actually 57 days. From XX/XX/XXXX till XX/XX/XXXX. Then When I showed the bank their mistake, they send me a letter saying that because I filled the papers incorrectly it was too late to make a refund of {$480000.00}. That is true. I had to come to branch again later and fill claim papers again. But on the first time I followed the instructions of US bank business assosiate and did everything as he told me. And that was his fault that my claim was filed incorrect. Bank did not notify me about any mistakes in my claim and I learned only during my next call them. XXXX XXXX XXXX, XXXX, CO XXXX. XXXX XXXX, branch Assistant manager - is the person who was helping me with my claim and failed the prossess. Also the papers were filled by me in barnch in person on XX/XX/XXXX, but claims department received them on XX/XX/XXXX. They we sent via fax by bank associate and it took several days to come over fax!. or no one did not really sent them that day. I dont know has it been made by purpose or by mistake. 

2. I filed the claim on Consumer financial protection bureau regarding this situation, trying to return my own money that I trusted to this bank. After this bank closed my checking account with all my money of aprox. {$27000.00} and my credit card. I did not have any issues with both of them and was a loyal customer
Complaint sub-issue: Debt was result of identity theft

I have never lived at the apartment that is saying I owe this debt to. I have told numerous collection agencies that they have sold my debt to that I am a victim of Identity theft and that said agency removes the debt. I have never lived at this address I have never walked into this apartment complex and handed them my Identification to obtain an apartment. They allowed someone to apply online and move in without ever having to show proof of Identity in person. That person was NOT me! This is not my debt!! This apartment or rental agency failed to protect my identity.
Complaint sub-issue: Debt is not yours

I am the victim of ID THEFT and my name and SSN was used to open FRAUDULENT ACCOUNTS. 

Please see attached FTC report for details.
Complaint sub-issue: Information belongs to someone else

I am in the process of purchasing a home, which required my credit to be pulled. This complaint is due to a collection from XXXX XXXX XXXX who has a collection filed against me with Equifax, XXXX  and XXXX, which dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification regarding the debt. Had I been reached out to, it would have been advised this collection is a result of Identity Theft which a formal complaint has been filed with the FTC, acknowledged by authorities and submitted to the credit bureaus. 

XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have been trying to dispute this one student loan at least 7 times in the last 3 years they have a master promissary note that does not have my signature on it it was forged also the loan was given under false pretenses the school assured me they were accredited and the credits could transfer anywhere they lied the credits are no good at any other school they shut down and being 3 credits away from my degree I have to start all over again.
Complaint sub-issue: Problem using a debit or ATM card

Hello, I realized that fraudulent activity occurred on my account. Once I realized this, Immediately notified cash app. It took them several days to get back with me. These transactions where unauthorized. There was one that was done that I did not notice it until several days later. one was for {$20.00} and several days later {$2000.00}. Can app took days to respond and did not do anything to stop this. They notified me two weeks later that the investigation was terminated because I initated a charge back