Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

Hi XXXX XXXX XXXX XXXX XXXX ; and how are you doing? Why is my process is taking longer than 60-90 days? I  understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Hello, I have been trying unsuccessfully to obtain help from Upgrade , Inc., XXXX XXXX XXXX, a California-based " neobank ''. Last spring, I had completed a loan application with Upgrade, but did not take out a loan. Since then, Upgrade has been tracking my credit history and sending me alerts. I do not recall opting in to credit health monitoring. I've contacted Upgrade Support three times. They have told me that I do not have an " account '' with them and they have no information to delete. However, when I press them, they do say they can see my personal information and that I applied for a loan. 

I can verify that I do have a login for their website ( https : //www.upgrade.com ) and I can access their Credit Health service ( https : //www.upgrade.com/credit-health/health ). The entity monitoring my credit is Upgrade itself. I am not logging into a third party platform, as some Upgrade support representatives have suggested. I have unsubscribed from emails, but this account with Upgrade is still active. I see no option on the website to opt-out nor request my login/account be deactivated/closed/deleted. 

I request assistance in having Upgrade disable any and all Credit Health monitoring and delete my information / user account from their system. I do not authorize any credit monitoring.
Complaint sub-issue: Reporting company used your report improperly

I mailed these credit reporting agencies a letter on XXXXtelling them that these accounts listed were fraudulent, but they still kept the on anyway. they were supposed to remove them after 4 days of receipt of my letter under 15 USC 1681c-2. to this day XXXX XX/XX/2021 XXXX, these fraudulent inaccurate accounts and inquiries are still appearing on my credit report. over 30 days have passed, under the FAIR CREDIT REPORTING ACT, the bureaus was to have completed the reinvestigation of disputed information within 30 days. the 30-day mark has come and gone without any response from their office. I am asking the CFPB to please take charge so my consumer rights can be justified with proper remedy.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit bureaus are continually reporting derogatory accounts and inquiries that have been contested as fraudulent.
Complaint sub-issue: Information belongs to someone else

During the past few years, CITI XXXX has reported a credit card that belongs to my roommate under my credit report. My roommate has called them & advised them that the credit card belongs to him. I also called them and advised them of the negative impact that it was having on my credit report. It was affecting my Debt to Income Ratio. That credit card was taken off my credit report. I was NEVER an additional card holder on that account either. Recently, they send new cards to my roommate including one card with my name. He called them and asked them to remove my name from the account. However, since then, because of the personal & business issues he has not been able to pay that credit card. This credit card is being reported under my credit report as delinquent as if I am responsible for the card payments. I want to understand under what authority CITI can report this misinformation that is negatively impacting me personally. This will be the third time they have done so. It seems that there are zero consequences for them and no one holds them accountable for any erroneous information reported. 
I attempted to call them. After being on the phone on hold for over 1 hour, I chose to file a complaint. It seems that filing a complaint has no consequences for them.
Complaint sub-issue: Account information incorrect

There has been on time payment data removed from my credit file.
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX, ssn is XXXX birth date is XX/XX/01 My only two known addresses since turning XXXX are XXXX XXXX XXXX XXXX XXXX, ky XXXX And XXXX XXXX  XXXX XXXX XXXX, ky XXXX. 
I've tried every credit union I know they all say something along the lines of " file does not match with the credit bureau 's records '' I'm just not sure where else I could be going wrong.
Complaint sub-issue: Reporting company used your report improperly

Accessed my credit report after being alerted by my employer for financial risk as my score declined. After reviewing report I noticed many inaccuracies & also incorrect inquiries such as XXXX  XXXX auto finance when I receive a preapproval with my personal bank XXXX XXXX XXXX XXXX in XXXX prior to purchasing my only vehicle that has active loan. XXXX XXXX  should never be on report. There are more issues which I have submitted a fraud report for as well. 

Please remove all hard, soft, and promotional inquiries as they were not approved or consented for. 

XXXX XXXX XXXXXXXX XXXX  dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX viXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Have repeatedly disputed inquiries on credit report. Credit bureau has not investigated disputes and information remains on report. Investigation not done within the time frame required by law. 

XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2019 a payment was made through my bank bull pay system which was confirmed but in error never processed and I was never notified. By the time aware, payment issue resulted in late pay being reported. I have attempted many times now to have someone at Elan understand that while not their error, it was a bank error to which my bank admitted and provided a letter. I am only asking that someone at elan understand the issue, realize this was not a customer error, and in understanding the situation remove the late payment reporting. I have never had a 30 day late payment prior nor since. Elan did reverse a late payment charge, but that does nothing to update the impact the late payment reporting had on my credit. I am simply asking that someone at Elan take the situation, understand this was a bank error in processing my payment to them, see that I have never been 30 days late before ir since, and decide to take the appropriate and sensical steps to remove the late payment reporting caused by the bank error which the bank confirmed in the letter sent by them to provide to elan attached.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the following Inquiries and need to remove Completed from my Credit Report. 
XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Fraudulent loan

My identity was compromised and 2 vehicles were opened. Ive begun the dispute for the lease with XXXX and one bureau has deleted it. Now I am disputing this auto loan. I have completed an FTC report and still had no luck.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A prior report has been filed in relation to the problem at hand. Someone somewhere is using my credit information and applying for credit card, loans, lines of credit and mortgages which is hurting my score and putting over sixty credit inquiries i do not recognize on my report. I would like these inquiries that were not initiated by me to be removed from my credit history as they are fraudulent.
Complaint sub-issue: Account status incorrect

I have 2 XXXX XXXX accounts on my credit report. 

I do not owe XXXX XXXX and never have i have always paid directly through my employer. 

one of my accounts is for my child who turned XXXX in 2020 and the XXXX XXXX  case was closed. it is reporting as a charge off. 

there are no amounts or balances on these accounts and it reports as XXXX which is untrue they do not report the monthly payments I make that are not in default. 
I have disputed with the bureaus, and they say the information is accurate when it is not.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Representatives named XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX contacted me claiming to be collecting on a debt owed to Citicard ... however when I try to verify the actual name of the company they work for they refuse to provide that information, in addition to any contact information such as address and phone number. In addition I was told they were also required to provide their professional business license number which they refused to do. However somehow this company has obtained access to my personal identifying information. This is the same company related to my last complaint completed under XXXX. Its obvious that they are fake debt collectors threatening to sue me for debt I don't have. First they claimed it was a debt with XXXX XXXX, then it was XXXX something, and now its Citicard. This is not right and they need to be shut down immediately for the fraudulent behavior.
Complaint sub-issue: Account information incorrect

I had noticed the fraudulent transaction on XX/XX/XXXX of {$54.00} and due to that the 30 day late payment had occurred on XX/XX/XXXX from the credit report
Complaint sub-issue: Didn't receive enough information to verify debt

Citicards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

Step 1 : What is this complaint about? XXXX XXXX XXXX XXXX XXXX continually neglects to report payments & good standing to my credit report & my Husband 's credit report. 

Step 2 : What type of problem are you having? There are 3-5 month gaps between reporting which means we do n't get the points we are owed. Which does n't increase our score as we deserve. 

Step 3 : What happened? When we complain they only respond that they tried & have no control over the reporting. When I contact Equifax they just remove the account. WE do n't want them removed we want our missing points!! How can we buy a house & be fairly evaluated without the entire picture? This has been going on over a year. We paid off an auto loan as well that is n't showing on my report, but shows on my Husband 's report with missing months. 



Step 4 : What company is this complaint about? XXXX XXXX XXXX XXXX XXXX & Equifax Step 5 : Who are the people involved? Manager XXXX XXXX & Equifax
Complaint sub-issue: Was not notified of investigation status or results

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 60 days.
Complaint sub-issue: Talked to a third-party about your debt

I was contacted by my father today, XX/XX/XXXX and told that a " XXXX XXXX '' from the Bad Check Division was attempting to reach me about bad checks I wrote from my checking account. I called this company ( F & M Capital ) and spoke to this XXXX XXXX who told me I wrote 17 bad checks to XXXX XXXX XXXX in late XXXX XXXX and told me that action was being filed against me. I asked for any sort of proof or documentation, and he said that because of the type of loan it is, and because he wasn't the original office where the debt was held, he could not provide me the information. When I asked again, they said they send one Dunning notice and that's it, because " people use certified letters to dodge their debts ''. He emailed me a settlement offer as well. 
I asked him why he disclosed information to my father, which he initially lied, then admitted to. This is not the first company that has contacted me, there was another company from upstate NY that billed as : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX, United States ( XXXX ) XXXX They threatened legal action, made vague personal threats and said they would come to my job, so I paid them a small payment to get the harassment to stop. That payment was XXXX, but I made no others due to that company providing no documentation. This company today said they had no records from the previous collector, but knew about that amount paid and has an address that is similar. 

I would like this harassment to stop. They contact my brother and parents and tell them personal info, and it is inappropriate.
Complaint sub-issue: Account terms

Equifax is report an item from XXXX with an open balance. This account was included in a chapter XXXX bankruptcy that finalized XX/XX/XXXX also the account from XXXX is showing an open balance when it was also included in the bankruptcy
Complaint sub-issue: Information belongs to someone else

This is my XXXX letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

Collection company continues to report an account they can not legally verify. They are asking me to prove the account when they have no legitimate documentation for the account to collect on.
Complaint sub-issue: Reinserted previously deleted info

Equfax was a XXXX paid off XXXX on my file then score drop XXXX points WHY!!!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update this account : XXXX XXXX XXXX Balance Owed : {$3200.00}
Complaint sub-issue: Information belongs to someone else

My Equifax credit report shows 1 unauthorized credit inquiries ; XXXX XXXX XX/XX/2019. Please have this inquiries removed from my credit file immediately, as it is in fact, unauthorized and fraudulent inquiries. Please note, according to the FCRA ( Fair Credit Reporting Act ), legally unverified and unauthorized accounts MUST be removed. This is my third attempt to remove this fraudulent inquiry with this company. I have not gotten investigation results for the reason why inquiry isnt removed.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair Credit Reporting act XXXX Account Number : XXXX Account Number : XXXX Account Number : 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

XXXX I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT THIS IS JEOPARDIZING MY CREDIT
Complaint sub-issue: Trouble getting, activating, or registering a card

I have contacted reliacard several times ... I am awaiting financial help from XXXX  ... a card was sent out a month ago but not to my address on file with the Dept of Labor and they will not send me another one because I don't know the address they sent it to ... I've spent hours on hold waiting to discuss this and 4 people have not helped yet they say they can not do anything ... I say how could they send it to some other address it should be one on file  from the XXXX  not what they previously may have had ... I really need help ... I've had no money at all and am only staying alive due to help from food bank ... please help me
Complaint sub-issue: Attempted to collect wrong amount

I underwent a XXXX in XXXX 2015. The hospital in question accepted my initial condition and took care of me. However, I rejected additional XXXX, and against my will they billed me for services that were not rendered
Complaint sub-issue: Information belongs to someone else

Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$420.00} XXXX  XXXX XXXX   XXXX {$1900.00} XXXX XXXX {$720.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX 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
Complaint sub-issue: Debt was paid

Debt was paid 14 months ago. I do not owe the money.
Complaint sub-issue: Account status incorrect

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX   only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Complaint sub-issue: Information belongs to someone else

i went to go by a car on XX/XX/20 at XXXX XXXX  and they told me i had a collection with XXXX XXXX XXXX  # XXXX i have never applied for this loan nor did i ever give permission to anyone else to do so. i have never gain any type of benefits for this account being open no money no goods have i received. Please see attached supporting documents