Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that XXXX  bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not verified and do not ever verify debts with the credit bureau. So, if this is XXXX  case, how did the credit bureau edify that the information reporting on my file is 100 % accurate. They never did a fair investigation according to the 15U.S.C 1681. 15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit the person knows or has reasonable cause to believe that the information is inaccurate.

Im response to the previous dispute, Lexis Nexis has not contacted me via email, by phone or mail as stated in their response. I have provided all necessary documents requested in the response. 

Thank you, XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have written to Equifax three times. In reference to items on my credit report. They have not responded or investigated my issues with the information they are reporting. 
First letter mailed XX/XX/2021 Second Letter mailed XX/XX/2021 Third Letter mailed XX/XX/2021 I have attached every letter sent to them with no response
Complaint sub-issue: Problem with fees

Good afternoon, On my last statement dated XX/XX/2018, I was charged a late fee of {$20.00} because my last payment was received one day late - according to Citibank. Please note that my entire balance was only {$20.00}, which was paid in full. I paid this through my credit union bill payment service and the payment was supposed to be there on time. I don't know why Citibank did not receive the payment on the correct date. I asked Citibank for a refund and they refused. No wonder people hate big banks in America! 

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

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need this item deleted from my report. I'm working on this all on my own XXXX. I saw some inquiries too 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. I have contacted my local police and the FTC.
Complaint sub-issue: Investigation took more than 30 days

I have been disputing some accounts since XX/XX/2020 with the credit bureaus, but I have not received any answers from them, I want to know the status of my disp.utes
Complaint sub-issue: Problem with customer service

MyFedLoan 's site has been down for a week as of XX/XX/2019. I need to access my information in order to finish filing my taxes. I can not get customer service to respond. This is occurring with multiple people who can not access their accounts in order to obtain tax documents or to pay their loans. Both their main website and mobile app are not working. The website should not be down for " scheduled maintenance '' as it says for multiple days. I am unable to contact them through their webpage and have resorted to trying to contact customer service through social media.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, Under U.S Code 1681b - Permissable purposes of consumer reports ( a ) in GERENAL Subject to subsection ( c ) any consumer reporting agency under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX, never provided your agency any written consent to report anything on my consumer report, no consent is identity theft. Any deletions that are made is admission. Failure to comply to my request for the following accounts to be deleted will result in a violation and claim since your agency being liable for any damages caused by your actions. Please take careful note of what was written in this dispute and the letter that is attached.
Complaint sub-issue: Information belongs to someone else

My ID was stolen inXX/XX/XXXX. Thought the years this person who lives in Georgia has used my name, social security number, and date of birth to change data on my three credit reporting companies and open fraudulent bank accounts to get credit cards. In XX/XX/XXXX I placed freeze codes with XXXX, XXXX, and Equifax.
In XX/XX/XXXX received a notice from Equifax that someone had changes my address to XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX  and changes the phone number to XXXX. Also he had opened an account with XXXX XXXX XXXX phone XXXX. I reported this to Equifax, XXXX XXXX, the XXXX XXXX  Police Department report # XXXX. On XX/XX/XXXX found that he had changed my address with XXXX to the Georgia address. It took me until XX/XX/XXXX to get all of data corrected. onXX/XX/XXXX he changes my address with XXXX to XXXX XXXX XXXX XXXX, XXXX, GA, XXXX phone XXXX. new police report XXXX. ON XX/XX/XXXX he changed address on Equifax to XXXX XXXX XXXX, XXXX, GA, XXXX. FTC FILE XXXX. Still trying to get Equifax to fix my credit reports to no avail.
Complaint sub-issue: Funds not received from closed account

Hello, On XX/XX/2023, Citibank has closed my checking account due to a " security concern ''. I have reached out to their customer service and they refuse to disclose the reason to me over the phone. They closed my account right after I opened my account on XX/XX/2023, and deposited $ XXXX to the account so I can qualify for their checking account bonus. I didn't even had intentions to open a Citibank Checking account but Citibank kept emailing me about their checking account bonus nonstop so I decided to give a try. 

I have been their customer over a year and I own 2 credit cards which is I do not get what is their security concern about. I also have a XXXX Credit Score and have few checkings account with different banks. The customer rep mentioned me they wont release the funds to me 30-60 days although I need those funds immediately since this money is material to me to operate my daily activities.
Complaint sub-issue: Funds not handled or disbursed as instructed

Because I am retired I have to file estimated taxes. In XX/XX/XXXX I wrote a good faith check to the IRS for {$2600.00} mailing it in an IRS envelope to their address Because of the delay for Covid they did not notify me until XX/XX/XXXX that they did not receive my payment and wanted me to pay it again plus penalties and interest My Bank, Citi Bank cashed the check in XX/XX/XXXX leading me to believe that the payment was made I got the check returned in my bank statement. But on examination of the check in XXXX Citi had cashed it to someone else not the IRS The bank will not refund that money into my account I fully believe they are at fault since the IRS normally endorse the check with numbers but this check was signed by two individuals so should never have been cashed by Citi
Complaint sub-issue: Denied request to lower payments

This is the 3rd CFPB for my loan. reference case numbers XXXX and XXXX My daughter contacted US Bank a few weeks ago advising them, once again, that she was struggling to maintain the payments on this vehicle, due to an unforeseen financial burden. Story-her mother, was arrested and she bonded her out of jail. Her mother skipped court, and her bond was revoked. The bondsman, XXXX XXXX, sued my daughter for the responsibility of the bond totaling {$7000.00}, negotiating a payment arrangement of {$300.00} monthly until paid in full and/or her mother turns herself in. She asked US BANK for assistance with deferring the payments, and was advised very rudely that she does not own the vehicle, therefore, she can not request changes on the loan. She confirmed I purchased this vehicle for her, and she has been paying the payments for ALMOST 3 YEARS. EVERY SINGLE MONTH SHE HAS MADE A PAYMENT, whether it was the full amount owed or not. The woman advised my daughter that I would have to call and request assistance, but if I admitted that I do not make the payments, then I am not eligible to seek assistance either since I was n't making the payments. WHAT KIND OF XXXX NON-SENSE IS THIS. My daughter pays, but its not the loan, so she cant get assistance, I dont pay, but it am on the loan, yet i do not qualify for assistance. My daughter has worked for a mortgage company, for over 9 years, and they assist borrowers whom are not on the loan, all the time! They simply request verification of the non-obligor 's income and a written statement from both the non-obligor and obligor. WE ARE STRUGGLING and have made a good faith effort to ask for assistance. I am on XXXX INCOME, and only make an average of {$750.00} a month. This car payment is $ XXXX. How on earth could I afford living, and paying this vehicle. I guess I have to tell US BANK, I will figure it out. I have received a letter in the mail which states I have to pay $ XXXX by the XXXX or US BANK is threatening to repossess the vehicle. It will not be paid by the XXXX. I will make a payment of {$250.00} on the XXXX. US BANK responded and told me to contact them to ask for help, however, they will not help. I have already contacted them and I get the same story each time, by their unprofessional representatives. 

US BANK has charged me a total of {$550.00} since the month of XXXX XXXX. The attached payment history shows payments have been made every month! WE NEED HELP.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items gives me a reason to immediately repair or delete the items from my credit report, they should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Account being reported as having two 30 day late payments. Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments, i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Complaint sub-issue: Information is not mine

I recently have XXXX debt collections in my credit report but all of them are not mine. They are from XXXX and XXXX and I have been living in XXXX since the day I came to the States. 
XXXX of the account is back from XXXX and I only came to the XXXX on XXXX. 
XXXX of them are back from XX/XX/XXXX and I only have my social security number on XX/XX/XXXX 
So there is no way these accounts are mine. 
I also contacted the collection company and they were not be able to locate my files. And they said they do not have my social security number on file. Only someone with same name, same date of birth. 
I also filed a dispute with Equifax. But after the investigation ( they took about 5 days to investigate ), they claimed that these accounts belongs to me. 
These accounts are only on Equifax report, they are not on XXXX or XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 c furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account unde open end consumer credit plan as late for-Purpose
Complaint sub-issue: Their investigation did not fix an error on your report

Attempts have been made to all three credit bureau to remove and block account due to several errors and inconsistency in reporting information. XXXX, XXXX and Equifax fail to provide proof of investigation to validate inaccuracy reporting on my credit report. 

XXXX XXXX has been sued due to their negligence and violations of consumer rights not following proper protocol and reporting actions by the rights of CFPB and Fair Credit Lending Act to all consumers involved in legal action suit case # XXXX. As of XX/XX/2022 court approved settlement in which my case was part of XXXX  violations. Enclosed document validate my actions and attempts for the last two years to have this account removed from both my spouse and I credit file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed multiple inquiries on my credit report I do not recognize
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018, I checked my credit report through XXXX. XXXX and XXXX   reports came back as accurate. Upon pulling my Equifax report, the Equifax website asked for my personal information and ask for me to complete the e-verification questions, which I completed appropriately. When the credit report was pulled, the report contained the name of another individual with a complete different credit history from my own. I have reached out to Equifax and filed a formal compliant and put a fraud alert on my account. 

My concern is their website linked my information to an entirely different individual and credit history. I'm also concerned as a consumer that my sensitive personal information is not secure and may be  available for others to view.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

I DO NOT ACKNOWLEDGE OR OWE THIS DEBT. I AM A XXXX FORMERLY XXXX XXXXXXXX VERTERAN AND PERSON AND I DO NOT OWE THIS DEBT.THERE IS NO CONTRACT AND NO DEBT. THIS DEBT IS WRONG I DO NOT ACKNOWLEDGE IT OR ANY AMOUNT AND IT NEEDS TO BE REMOVED!! THIS COMPANY PLACED IT ON MY CREDIT REPORT AND I NEED IT REMOVED IMMEDIATELY. THIS IS NOT MINE AND THEY HAVE NO PROOF OF THIS DEBT IT NEEDS TO BE REMOVED IMMEDIATELY. I HAVE REPORTED THIS AWFUL EVIL COMAPNY TO THE CFPB, THE ATTORNEY GENERAL OF TWO STATES, THE FTC, THE XXXX AND I WILL PURSUE LITIGATION IF NOT REMOVED.I DO NOT ACKNOWLEDGE THIS DEBT AND IT NEEDS TO BE REMOVED IMMEDIATELY. THIS COMAPNY DISCRIMINATES AGAINST AND HATES OUR NATIONS WOUNDED WARRIORS AND VETERANS IS PREVENTING ME FROM OBTAINING A ROOF OVER MY HEAD. I AM XXXX AND THIS COMPANY IS ASSAULTING XXXX PERSONS. THIS COMPANY ALSO SO PLACED OVERLAPPING NON LEGITIMATE DEBTS ON MY CREDIT REPORT. FRAUDULANT!! REMOVE IT IMMEDIATELY!!
Complaint sub-issue: Information belongs to someone else

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

After finding out about the Equifax data breach on XX/XX/XXXX I wanted to find out if my data was impacted. I visited the dedicated website set up for the breach at www.equifaxsecurity2017.com and found a section for finding out if your information was impacted. The page had the following instruction. 

1. Click on the below link, Check Potential Impact, and provide your last name and the last six digits of your Social Security number.

2. Based on that information, you will receive a message indicating whether your personal information may have been impacted by this incident.

3. Regardless of whether your information may have been impacted, we will provide you the option to enroll in XXXX XXXX. You will receive an enrollment date. You should return to this site and follow the How do I enroll? instructions below on or after that date to continue the enrollment and activation process. The enrollment period ends on Tuesday, XX/XX/XXXX. 

I filled out the form to find out about my information, but instead of being told if my data was compromised or not, I was given a screen showing that I was enrolled in the XXXX program. I was not given an option as stated in instruction # 3. I DO NOT want to be enrolled in this program and I DID NOT agree to the terms or give consent to be signed up. Upon calling the number listed on the page as the dedicated line for this data breach ( XXXX ), the system automatically hung up on me several times after informing me I was calling outside business hours even though I was not. On XX/XX/XXXX, after several days of trying to call the hotline, I finally got through to an agent. The agent immediately connected me to a supervisor who proceeded to tell me that they have very limited info and all they do is tell people to look at the website. He then told me to XXXX the Equifax number and call them. I called Equifax at XXXX, but was told I need to contact XXXX for XXXX questions. I called that number and was told to call XXXX. When I called that number, the system told me that it was outside business hours, told me I could leave a voicemail and then hungup on me. 

To reiterate, I DID NOT agree to be signed up for XXXX  and I DO NOT want this service.
Complaint sub-issue: Information belongs to someone else

First off I am a real person not a 3rd party person or company but I'm and a 2nd year LAW student who is studying consumer law so I know a little bit about what I'm speaking about. In accordance with the Fair Credit Reporting Act the following accounts are a violation of my rights under section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days upon notification from the consumer. It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. No consent is identity theft. FEDERAL LAW OVVERIDES any company policy! 

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: Personal information incorrect

Name, address, and phone number is incorrect. I have send proof of address and driver license and they still will not remove it.
Complaint sub-issue: Received bad information about your loan

My loans were consolidated across three services in XX/XX/2011. It took nearly 5 months for the loans to be consolidated. I was given misinformation by XXXX repeatedly about who held the loans during this time period and lost 5 months of being able to make relatively low payments on my student loans that would qualify for pslf. XXXX shows that I was in forebearance during this time period. I did not request a forebearance and have tried multiple times to have these months reviewed. DoE was the one who informed me that fedloan in fact held this loan about a month after it was consolidated. I also have a month in which fedloan was paid twice and now fedloan indicates that this payment is ineligible. The foreebearances placed by XXXX add on my account add up to 7 ineligible payments for unknown reasons. I would be done with pslf if they had kept accurate records.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried calling XXXX on the phone and uploading documents regarding my dispute for XXXX XXXX XXXX. I am unable to get someone on the phone or upload documents.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  Acct # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated My rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. Also these accounts dont match all 3 credit bureaus have different information on each accounts, Different dates and amounts. I have sent several letters trying to get this taken off my credit with no help.