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

XXXX XXXX XXXX hasnt updated my Credit score with their third-party XXXX XXXX, XXXX XXXX manager, XXXX. To-date its been 4 months and Ive Not received an Denial and or Approval letter. Equifax continues their XXXX XXXX acts with my Credit Report. Theyve removed my XXXX accounts and other Revolving and Installment accounts with efforts of XXXX me XXXX, XXXX XXXX living my best life. Now I told you Consumer Financial Protection Bureau that you are allowing this XXXX XXXX, but the Consumer Financial Protection Bureaus testimony is going to make a Rich man, again my Filing of Congressional inquires will make you folks talk and will also show XXXX acts by the Consumer Financial Protection Bureau internally, No one is Stopping me. I need documented evidence from you, the Consumer Financial Protection Bureau even if Congress has to get you folks to respect my Complaint, got it! XXXX XXXX XXXX hasnt Approved or Denied my XXXX Mortgage application.
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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Account status incorrect

Dear Sirs, I am in receipt of your letter dated XX/XX/XXXX to the CFPB, and subsequently allowed thirty ( 30 ) days to expire with hopes XXXX XXXX XXXX ( XXXX  ) would correct the inaccurate information it knowingly reported to all three credit bureaus. Thirty days has since past, and I would like to address the falsehoods reported in your letter. 

In your letter you state XXXX has been actively pursuing collection of the above-referenced account. However, referencing a XXXX  letter I received in XXXX, and furthermore attached page 8 of my XXXX   report, page 2 of my XXXX  report and lastly, page 3 of my Equifax report contradicts your statement. 

The attached credit reports display this account to-date has been charged-off for nearly 4 or more years now, and no collection activity has not been reported up until recently. Your company maliciously, unethically, and illegally reported credit activity for no other reason to my belief, but to cause damage to my credit profile. 

As a Creditor, you are fully aware your company has a duty to conform with all Federal and State regulations in regards to credit reporting. As well as reporting accurate, up-to-date, and truthful information. 

With this letter, and under the guidelines of Fair Credit Reporting Act, I am requesting XXXX remove this account from my credit report with all three credit reporting bureaus immediately, no longer than 30-days of the date of this letter. 


Kindly confirm safe receipt. Should you have any questions, please do not hesitate to contact me. As always, thank you.
Complaint sub-issue: Information belongs to someone else

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 

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: Account status incorrect

This is in regards to XXXX, Equifax and XXXX Credit Bureau. I've submitted 4 disputes with these Bureaus about inaccurate data being allowed in my credit report even after disputing. I also included sections of the FCRA citing how they are required to report correct data and to delete inaccurate data. This data has been in my report for years and now XXXX, Equifax and XXXX need to comply with the FCRA. 
The accounts are : XXXX. XXXX XXXX XXXX Late payments with erroneous rating key. Stating 90 days late for XX/XX/2018 but Ok=current for the three months prior.

2. XXXX XXXX  collections accounts ( 2 ) allowing reporting of a higher balance original than the creditor amount. Having a past due balance and at times a monthly past due as a collection. 
XXXX. XXXX XXXX disguising as a new creditor and reporting an open new account. 
XXXX XXXX XXXX XXXX XXXX XXXX & # XXXX as open accounts with a past due and monthly past due as a collection. 
XXXX. XXXX reporting a balance 100 % over the original credit limit ; has a past due balance and at times reporting monthly past due. 
XXXX XXXX XXXX collection agency disguising as a new creditor with an open account. Balance higher than original creditor amount ; past due balance and at times reporting a monthly past due as a collection.

7. To delete all negative remarks- as its not a true reflection on their erroneous reporting.
Complaint sub-issue: Public record

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Complaint sub-issue: Right to dispute notice not received

IC Systems has added a collections my credit report for the amount of {$210.00}. The debt in references was originally owed by XXXX XXXX XXXX and was apart of a XXXX with a recurring monthly payment. XXXX and IC Systems failed to send any notification of owing a past due balance and instead added the collections to my credit report. 
The account was cancelled with XXXX XXXX XXXX between in 2015 as our dog " XXXX '' was stolen from our property and a police report was made. XXXX was notified immediately via phone call at the XXXX location and our account was cancelled. 
After the cancellation we were still being billed for pet care through automatic debt on an old account that was closed. After speaking with a representative from IC Systems we were informed about a contract that apparently stated that regardless of the dog being stolen we still had to pay. We have submitted a dispute for verification of the debt and a copy of the contract with XXXX but we have not been provided anything from IC Systems. Even though the debt has not been verified it still remains on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

For years I have been trying to get items removed from my credit report that these third parties, I.e credit bureaus are holding on too. These items are causing hardship in continuing in commerce as well has been a defamation of character in addition a serious lack of confidence in the banking system especially when there is NO mention of a FICO, or XXXX score in the FCRA, FDCPA or TILA. 

I, XXXX XXXX XXXX, the natural person, living man, flesh and blood, am the authorized representative ( cardholder ) for XXXX XXXX XXXX ( Social Security Account ; credit card ) # XXXX. I never gave written or oral consent or was consent received from a court of competent jurisdiction to have my personal identifying information ( social security number ; name ; address ; etc ) be shared to these third parties ( credit bureaus ). This is identity theft per 12 CFR 1022.3h. In addition this is trespass and INVASION of of the consumers legally protected interest ( PRIVACY ). I XXXX XXXX XXXX the living man have all power above these companies and demand my request be honored. I am the CREDITOR per the FDCPA 15 USC 1692a ( 4 ) These are my written instructions per 15USC 1681b ( a ) ( 2 ) to EQUIFAX regarding my consumer report. Letter attached In addition Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from the consumer credit report. EQUIFAX is in violation of this code.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem with product or service terms changing

I have been trying to get ahold of Equifax by speaking to a live XXXX XXXX XXXX to resolve an issue regarding the retrieval of a PIN that was given to me when putting a freeze on my account, so that I can continue setting up my XXXX under XXXX XXXX. The issue is that I set up an account with a different credit company and do not have the PIN that was given to unfreeze my account. My credit is unfrozen, but XXXX still needs the PIN to proceed further, but Equifax DID NOT give me a number. While trying to get ahold Equifax, it takes you straight to an automated person to handle your business, but nothing was handled. After I gave my personal information, they claim that there is no record found, and that they will mail me out a letter with a recovery PIN ( or something along the lines of that ). I do not have the time to wait for something in the mail that will take a week when I can get it over the phone. My biggest issue is the fact that Ive been waiting to speak to a live XXXX XXXX Equifax for TWO HOURS! Not to mention that I had been trying to get ahold of them since yesterday ( XX/XX/2021 ) This is currently happening as I write, and Im currently missing work just to get a PIN. This is extremely unprofessional of this company to not have a better customer service line to help with these kinds of problems. If I would have know that placing a freeze on my credit was not for the greater good, then I wouldnt have done it. Absolute worst credit company, nothing has been done, and my life is being XXXX by this as I sit here and write.
Complaint sub-issue: Account information incorrect

once again Equifax reported reporting an account as current all last year and then this year they are reporting it late for a whole year. My XXXX XXXX account was reported as current all year in 2017 and now they are reporting it as late the whole year.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed chapter XXXX bankruptcy XX/XX/XXXX, that included the vehicle being reported as charge off on my credit report. I was dismissed from the bankruptcy the same year XX/XX/XXXX. The creditor report show charge off dates that are different years XXXX & XXXX. The payment history on account was delinquent 180 days past due as XX/XX/XXXX throughout XX/XX/XXXX as it changes frequently 30, 60, 90 days past due. The account was declared dismissed / charge off as bad debt effective XXXX XXXX. After several attempts to clear this matter now 8 year and 7 month old account its unsuccessful. According to the Fair credit reporting act this account should of been removed after the date of the first delinquency or the date of my 7 to 10 years time last paid in bankruptcy. In the state of New Jersey its 6 years statue of limitation. I am 2 years and 7 months over. The creditor has change the information frequently when reporting to all 3 creditor agencies and I believe this is wrong creating me hardships at this time.
Complaint sub-issue: Was not notified of investigation status or results

Company reported late payments during XXXX at the beginning of the pandemic even when they offered support to relieve payments during the months they counted as late. The company reported that my payments were late in XXXX, XXXX, XXXX and XXXX of XXXX ; all of which were supposed to be covid by their covid relief. I wrote a letter to the XXXX XXXX on XX/XX/XXXX. I have not received a response.
Complaint sub-issue: Public record information inaccurate

I have found this information on my report :  US BKPT CT  NJ  XXXX   Reference  #  XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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 that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Complaint sub-issue: Didn't receive notice of right to dispute

The hospital never billed my insurance company ; I contacted the hospital and was told they would rebill my insurance company the amount owed and would notify me if I still owed anything ; I was never notified of an outstanding bill, I was never told the account was turned over to collections, I was never notified by collection agency before putting on my credit report, and the monetary amount provided on my credit report is inaccurate.
Complaint sub-issue: Bounced checks or returned payments

I, XXXX XXXX XXXX, have been having a horrible time trying to get someone at U.S. Bank help me resolve the following situation. I initially opened my account through XXXX XXXX Bank ( who later became XXXX XXXX XXXX Bank XXXX XXXX I deposited 2 paychecks of equal amounts on XX/XX/2021, that due to accounting error from my employer, were returned for NSF. Well, the employer immediately corrected the error and issued replacement checks. I then tried to deposit the check back into my account and did not have the option anymore in the US Bank application. I called customer service, they said it was because my account had gone negative. They added that I needed to make a deposit in person or by ATM first, in order to recover access to the Application feature. Well, problem is, we live in Florida and there is absolutely no Branch and no USBank ATM at all in the entire State of Florida. The Banker on the phone then said to send it via XXXX. Well, my husband & I tried multiple times, and from multiple accounts, and all attempts were unsuccessful. After 2 weeks of trying, we called again, since we did not wanted that negative balance to be a problem and we now had a new check we wanted to mail in instead ( the others were deposited in a different account ). Well to our surprise, the new banker we spoke at that time, said the account was closed for suspiscion of fraudelent actions. Needless to say, we where astonished to hear that. We explained the entire situation. She said we needed to send an email explaining ourselves in order to avoid having my record tarnished with this action. We called 5 times since then, have argued with multiple people trying to resolve this matter, they all give us different information, no one give us the option to bring the balance current ( even their collections department told us they could not take the payment because the account came from XXXX XXXX Bank. It has been a nightmare. Weve asked 3 times to be contacted by a manager, but no one called.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX I called for an ambulance from City of XXXX - XXXX ( XXXX-XXXX ). The XXXX-XXXX  sent me an invoice # XXXX in the mail. I sent an email on XX/XX/XXXX advising them to file claim with my insurance company XXXX XXXX XXXX. But they failed to file within 45 days for paper claim ( non-electronic claims ). They ( XXXX-XXXX  ) UNJUSTLY and UNFAIRLY forwarded their invoice for COLLECTION to National Recovery Agency ( NRA ). I sent a letter on XX/XX/XXXX to NRA letting them to know that XXXX-XXXX  was supposed to file the claim with my insurance company but they failed. The NRA put this collection item on my Credit file without listening to me, reviewing the case or  offering any amount for settlement BECAUSE I AM AN XXXX   and XXXX! 
I would greatly appreciate your involvement in this case to ask NRA to remove the collection item IMMEDIATELY and apologize me for this UNJST and UNFAIR practice. 
Thanking you in anticipation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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 a account without my written instructions.
Complaint sub-issue: Funds not received from closed account

Long story short, I closed my account with US bank in XXXX of 2022. I did receive a check which I tried to use to open a new bank account. XXXX XXXX denied the check saying it was no good and I never received the check or letter they claimed to have sent me back. They said I need to go through US bank to get a new check reissued. I had spoken to someone at US Bank in early XXXX, who checked to see if the check had been cashed and it hadn't. I was told that same day that they had someone looking into it to reissue me a new check. I was on the phone for over 30 min figuring this out. It's 2 months now since I was told I would get a check in the mail within 7-10 business days. I would like a check reissued in the initial amount.
Complaint sub-issue: Reporting company used your report improperly

According to the Fair Credit Reporting account, XXXX Account 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. 1666b. A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX an erroneous collection was added to my credit report and my score dropped XXXX points across all bureaus. I contacted the original creditor and collection agency and the account was successfully deleted from my report- however my credit score was never corrected to compensate for the XXXX point drop. 
My score before the item was added was : XXXX XXXX XXXX Equifax XXXX XXXX The item was successfully removed yet my score at this time is : XXXX XXXX XXXX Equifax XXXX XXXX Please correct my credit score. 
The account that was added in error was successfully removed however the impact to my credit score has not been corrected. At this time the credit score on my accounts is in violation of the FCRA as it reflects what my score dropped to and has not been updated to reflect my score prior to the erroneous account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently filed a dispute with CBNA in regards to a supposed inquiry that the company claims I made in XX/XX/2018. In there response they did not verify ANYTHING. They are saying that I inquired for credit online. They have not provided proof of a WET SIGNATURE or considering it was supposedly done online, they have not provided an IP ADDRESS associated with my home address. They don't have any of that because I never inquired for credit.They have not and can not provide documentation proving any such inquiry was made by me.
Complaint sub-issue: Trouble with how payments are being handled

My federal loan servicer is Great Lakes. XX/XX/XXXX they posted an auto draft payment in the amount of {$460.00}. That date is part of the time allotted for administrative forbearance by the CARES act. According to XXXX XXXX Aid I may request this amount returned to me. Great Lakes also sent an email explaining they would not process auto payments during the forbearance. 

I began contacting Great Lakes XX/XX/XXXX. It took them 10 days to respond - they ask borrowers allow 1-2 business days. In their response they explained my refund was being processed and asked I allow 7 days to receive. XX/XX/XXXX, 9 days later, I had no refund and so I used their online complaint form to get the matter resolved. Their new response came the same day. This time they did not mention a refund and said someone may contact me within 7 business days.
Complaint sub-issue: Debt is not yours

This account is no obligation of mines 15 usc 1692b. The creditor stated account was accurate however a full investigation wasnt done 15 use 1681 ( A ) ( E ). Other Violations 15 usc 1692f, 15 usc 1692e, 15 usc 1692j, 15 use 1681 ( b ) ( A2 )