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

On XX/XX/XXXX XXXX I sent validation requests to several collections regarding medical debt that had been placed on my credit report. 
These are Expired, well over XXXX XXXX XXXX. 

I did not receive any response, so I submitted online request with Equifax to validate these items. I did not receive a response. 

It is my understanding that per FCRA they are to respond within 30 days, it has now been over 60 days. 

Plus, with the new medical laws, starting XX/XX/2023 the XXXX XXXX that are under {$500.00} were to be removed. 

Ive attached a copy of the XXXX items that need to be removed from my credit report. 
Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Credit Reporting Agency Equifax, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : U.S. DEPARTMENT OF EDUCATION -This still shows multiple instances and only one closed.

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/1992 SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

KIKOFF LENDING LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been sending me notices in the amount of {$21.00}. The account has been reported as past due balance. I do not know this company, nor have I ever done any business with this company. This company does not have a contact with my signature.
Complaint sub-issue: Account information incorrect

( Equifax ) Unauthorized Inquiries : 1. XXXX XXXX XXXX 2. XXXX XXXX XX/XX/XXXX, XXXX ] XXXX 3. XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 5.XXXX XXXX XXXX- XX/XX/XXXX 6. XXXX  XXXX XX/XX/XXXX 7. XXXX  XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX-XX/XX/XXXX 9. XXXX XXXX XXXX-XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordancewith 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 XXXXXXXX... 
XXXX XXXX XXXX XXXX 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 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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.
Complaint sub-issue: Didn't receive advertised or promotional terms

The promotion said I would receive a {$200.00} credit on the XXXX XXXX ticket I was buying and showed the reduction in the price of that ticket. When I did not get the credit and complained to the credit card company they said the credit would be on my first statement. When that did not happen, I called again and they said the credit would be only for a future purchase.
Complaint sub-issue: Debt is not mine

this account is not mine. my account with XXXX is active
Complaint sub-issue: Debt was result of identity theft

XXXX  XXXX is a result of identity theft there are multiple accounts attached totaling three ( 3 ) accounts. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX as well as XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

For the last 2 to 3 months I've been shopping for a car. They are running my credit multiple times with the lenders. They are using the same companies usually. They are denying me credit because I have to many credit inquiries. I've disputed the credit report with the agency. They didn't change anything. XXXX XXXX, XXXX They said that everything remains. This was XXXX. I've been denied credit because of this. They will not lump the credit inquiries together from the same company. They have them all listed individually. All 3 credit bureaus have said that this is just how it is. There are now 92 inquiries. XXXX XXXX has been ran twice in 1 day. Three times in 1 day for XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX XXXX. I am XXXX years old. I am a senior citizen. I am an XXXX veteran of the United States of America. I object to being treated like this. 
My Identity was stolen to open credit cards, get cars, set up utility services and cell phone services and other things that I have not been aware of. 
This needs to stopped. 
I am demanding that all of these fraudulent account be removed from my name and reports with your agency immediately!
Complaint sub-issue: Reporting company used your report improperly

In accordance to the fair credit reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 items of information, other than records of convictions, 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 reporting agency if the person knows or has reasonable cause to believe that the information is
Complaint sub-issue: Information belongs to someone else

XXXX XXXX car dealership ran my credit without my permission on XX/XX/XXXX & XX/XX/2021. Ive been in contact with the dealership and financial companies with no results. I need these inquiries off my credit fast. Equifax is the only bureau that wont remove from my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my XXXX account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This entity has incorrect information on my report including addresses and phone numbers, reporting incorrect data, allowing inquiries on report that are not authorized by me.
Complaint sub-issue: Problem with personal statement of dispute

LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 states that I "... have the right to privacy. '' - 15 USC 1681 section 604 A section 2 also states that : " ... a consumer reporting agency can not furnish an account without my written instructions. '' - Under 15 USC 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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

File # XXXX XXXX, XXXX XXXX I received a response from the XXXX regarding the validity of a bankruptcy that is being reported on my credit report. I have sent in multiple letter regarding this public record on my credit report. XXXX, XXXX, XXXX i also received a response from XXXX regarding the erroneous item on my credit report, each time the item came back as " verified ''. I've asked how the item was verified the only response I have got was the item was " verified ''. up on further investigation on XXXX. 

Based on the information I gathered on the website it was " LexisNexis '' that furnished the erroneous item to XXXX. This was taken directly from XXXX 's website " For bankruptcy public records collected through XX/XX/XXXX, XXXX obtained information about your bankruptcy from third-party vendor, LexisNexis. XXXX I then again contacted LexisNexis about the bankruptcy reporting on my credit report and there respond was " the item is not on my consumer report ''. Now I'm lost for words. 
Based on XXXX 's website, LexisNexis reported that unverified information to XXXX. The date my credit report was updated by XXXX was XXXX, XXXX, XXXX.
Complaint sub-issue: Threatened to sue you for very old debt

A company XXXX XXXX XXXX has already attempted to sue me one year ago. I have recently received another threatening letter of a law suit and wage garnishment. The credit card debt is XXXX of 8-10 years ago. They had previously sued me apprently filed XX/XX/XXXX for the same case and it was dismissed. I feel I am being harrassed by receiving these letters and they are trying to take me to court again, over very old debt
Complaint sub-issue: Their investigation did not fix an error on your report

The Three Major Credit Reporting Agencies have for many years published inaccurate information on my credit report. There are 7 seven separate Department Of EducationXXXX XXXX XXXX loans that are reporting errors filled information. I have never been late on my student loans, and in spite of a perfect payment historyXXXX XXXX/ Equifax/ XXXX all report a " 90 day late '' which they are saying has been " validated '' with the lender. This is an impossibility, because how can I have a " paid as agrees '' in XXXX of XXXX followed by a " 90 day late '' and after that " paid as agrees ''? This makes no logical sense. I need the bureaus to update this derogatory mark " paid as agrees '' or " No Data ''. I can not have my financial wellbeing be impacted due to their errors. 

Also, I have a recent derogatory mark from " XXXX XXXX ''. I have my last bill before I terminated service and what the bureaus have published is absolutely false! I even went as far as sending in via USPS ( certified ) a copy of the bill in question. Unfortunately and unlawfully, they have indicated that the negative mark has some how been validated. I need this removed ASAP. 

Equifax and XXXX are inaccurately reporting a " XXXX '' account from XXXX, they are claiming that the account has been charged off. I do not have a recollection of association with this account. 

XXXX is reporting that I have two requests for credit from a company called " XXXX XXXX ''. I do not recall doing business with the company and want to have it validated
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX {$390.00}, and XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2019 I contacted collection agency ERC to ask them to validate the debt they kept reporting. I have given this collection agency way past 30 days to respond and provide me with the information or proof that the account was mine. They have yet to validate this information to me. I also have the attachment of where I sent and asked this collection agency for proof.
Complaint sub-issue: Account status incorrect

I disputed the items on my equifax account and they didnt update or fix the negative hard inquiries on my report the information they have on there is inaccurate and I disputed them a few times and they still wont update it the billing addresses for them are wrong and they were paid in full
Complaint sub-issue: Didn't receive notice of right to dispute

ERC is collecting for XXXX XXXX / XXXX. I had issues with their service. They did not provide the speeds they promised for the internet and the other services were unreliable. I complained and complained but nothing happened. I came to the end of the contract and I paid my bill. They claimed that I did not pay the final bill and that I did not turn in the equipment. With constant follow up and documentation I guided them to find their " missing '' equipment that was n't missing at all. I should be at zero with this vendor. If they claim that I owe them something it would be and is in dispute. 

ERC is now collecting for XXXX. They have never given me notice of a collection account or I would have disputed the account. I have never been given an opportunity to validate the debt and this is a violation of the fair debt collections practices act. I must be given an opportunity to validate the debt of a 3rd party collection agency. FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806.
Complaint sub-issue: Information belongs to someone else

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

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$23.00} ; XXXX XXXXXXXX XXXX Balance : {$14000.00} ; XXXXXXXX XXXX  XXXX Balance : {$8900.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I have a Reliacard by US Bank from Colorado XXXX. I had my Vehicle broken into and They stole my phone and Luggage that caused Identity theft that i was unaware of until they had Spent over {$5000.00} on my Card thru XXXX. I immediatly notified ReliaCard customer service when i noticed funds missing. I ffaxed the paperwork to them XX/XX/XXXX as the rep told me to for the complaint. I gave them 2 weeks they asked for and never heard a Word so i call back XX/XX/XXXX and tell them unacceptable. They tell me looks like never recieved docs they needed w2-DL-mail. So i faxed them. I recieved provisional credit onto card and thought ok were getting somewhere ... NOPE my account is locked. I have now called daily and most recent weeks stats I put in over 42 hours on the phone including hold time. They say they cant release account only level XXXX can but noone will get me to level XXXX fraud or tell me how to reach them. They have become rude and still 2.5 months later I have no access. This has caused me to sleep on the streets. not eat and noone cares. I have uploaded every document to reliacard thru website multiple times XXXX XXXXhave faxed and emailed XXXX I am told this is escalated but nothing.. The call center sucks AND us bank should not put their name on a card if they cant help because i have made several visits to the loc al branch only to be told they are only the PLASTIC behind the card ... I CANT DO IT ANYMORE.. THEY GPOTTA BE STOPPED
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I took out a loan with US Bank in XX/XX/XXXX. The loan was for a XXXX XXXX, year XXXX. The loan was in my name only using my credit. My payments were made on time and the loan was even paid off early. In XX/XX/XXXX the loan was paid off and I receive a letter acknowledging that they received the last payment. The first letter stating the loan was paid in full was received by me on XX/XX/XXXX. The letter referenced an enclosed title or lien release, advising me to go to my local licencing agency have the U.S. Bank lien removed. Unfortunately, there was nothing enclosed with the letter. I contacted U.S. Bank to advise of this, receiving a second letter dated XX/XX/XXXX. This letter stated the same the vehicle was currently tagged in a state with ETitle and was released on XX/XX/XXXX. Unfortunately, again since there was not Lien Release provided, when I went to the tag agency in XXXX  there was nothing they could do. They had not received an ETitle from U.S. Bank. Finally on XX/XX/XXXX I received a letter enclosing the Lien Release Statement. Once again I went to the tag agency and once again there was not an ETitle with the state of XXXX. I promptly contacted U.S. Bank again and was once again provided a letter enclosing a Lien Release Statement. This latest letter was dated XX/XX/XXXX. To date I have been unable to obtain a title to my car. I have now relocated to the state of XXXX. Unfortunately, I can not tag my car in XXXX because I do not have a title to my car. I have contacted U.S. Bank again and to date have not had any response from them. The XXXX XXXX Tax Collector 's office has also sent a letter to U.S. Bank, this being on XX/XX/XXXX. I currently have a 30 day temporary tag on my car but I need to have this resolved because the state of XXXX will only provide me with one more temporary tag and after that I will have to garage my car. I can not believe a bank as large as U.S. Bank can withhold someone's title to their car. All I want is for them to do the right thing and provide me a title to my car. Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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: Problem making or receiving payments

I believe that my PNC bank information was stolen by a criminal, and this person has stolen {$8400.00} from my account. The payment dates are all in the XXXX - XXXX range, which seems to come from the same person. This person stole my PNC bank information and setup auto-payment for his XXXX credit card account. I did a test using my wife 's XXXX account and found that it is indeed very easy to set up a credit card auto-payment using any checking bank account routing # and Account #. The XXXX online banking system does not ask any further information to protect the checking account owners money. I attached information on the 35 fraud transactions on my account as an XXXX file. 

I have requested PNC bank to investigate all 35 auto-pays coming from XXXX. I will also inform XXXX bank about this fraud. Since this is a criminal offence, I will report this to the Police.
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Complaint sub-issue: Deposits and withdrawals

on  XX/XX/XXXX  w hile attempting to use my debit card i was denied, upon further review i went to go look at my account online to see what the problem was. apparently someone withdrew   XXXX   from my account and over drafting it in the process, so i alerted the fraud department as soon as possible and they said i had to wait until the   XX/XX/XXXX  to file a claim in which i did. fast forward 4 weeks and i get a letter saying that they  came to the conclusion that i had withdrew the money. i contacted them again and they refused to reopen the claim citing unless i had some kind of proof like a police report that they wouldnt reopen it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, h

as violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 and purpose.