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

I am XXXX XXXX and I have sent multiple letters regarding unknown accounts in my report. It has been more than 30 days, but I did not receive any response or results. I am thinking that they are not attending to my concerns.
Complaint sub-issue: Didn't receive enough information to verify debt

To Whom It May Concern, The reason for my dispute is XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO  allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. 
Thank you!
Complaint sub-issue: Personal information incorrect

Hello, I am having issues with unknown addresses on my credit file. 
My current address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
The following address are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Company closed your account

Citibank has closed my account and has not release my funds. My account was closed since XX/XX/XXXX, to date, it is XX/XX/XXXX. I have previously filed a complaint with CFPB regarding this issue however Citibank has not rectified the problem.
Complaint sub-issue: Account information incorrect

Total credit card not reporting payments to credit bureaus.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, Equifax received two correspondences via certified mail ( USPS ), which contained a letter disputing unauthorized inquiries, copies of my driver 's license, veteran 's administration identification card, gas & electric statement, and social security card for validation. The letter brought to Equifax 's attention that they were reporting inaccurate information. I requested an investigation into how/why this happened and correct or delete the faulty items. 
Receipt # - XXXX - XXXX XX/XX/2022, I called Equifax 's Fraud Department. I was told my correspondences were received and attached to my account. I was then informed of Equifax 's company policy of not making corrections without an FTC letter accompanying the complaint. I was instructed to draft and fax a copy of an FTC to the number provided. I did as instructed a few days later. 

XX/XX/2022, I called Equifax Fraud Department to confirm the receipt of the FTC and the correction/deletion of the incorrect items. I was told that the items had been deleted as of XX/XX/XXXX. I thanked the representative and ended the call. 

XX/XX/2022, I called Equifax 's Fraud Department ( on a lawfully recorded line ) after checking my online Equifax report. I was furious and highly disheartened to discover none of the items had been corrected or deleted. The Representative told me that it was my responsibility to contact the furnishers of the inquiries and have them contact Equifax for them to take action. I held my ground and insisted that these inquiries be removed. I was placed on hold for XXXX to XXXX minutes. When the Representative returned to the line, he said it could take up to 30 days from now to complete the investigation. I said that was unacceptable ; this needed to be handled immediately. After a back-and-forth, he agreed to have the items removed XXXX hours. 

XX/XX/2022, I called Equifax 's Fraud Department ( on a lawfully recorded line ). Again, I explained my call and was told that Equifax 's policy prevented him from taking action despite what the laws dictated. He insisted that he could lose his job if he acted outside of Equifax 's policies. I informed him of my intent to file a CFPB complaint.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items remaining passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXXXXXX 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 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: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unverifiable things on my credit report. To this day over 120 days later I have not received a response verifying the unknown items on my report. I feel like I'm being taken advantage of and being ignored by my disputes. Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. I demand these accounts be deleted immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and 617 regarding the continued willful and negligent noncompliance. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Can't close your account

I am the beneficiary of my late husband 's traditional XXXX  XXXX account held by U.S. Bank. I notified them on XX/XX/XXXX of his passing. All requested paperwork was mailed XX/XX/XXXX to : US Bank XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX 

XXXX ( that US Bank specifically requested ) was resent via mail and fax on XX/XX/XXXX. 

Spoke with bank clerks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. 

I am the sole beneficiary of the account and am requesting the account closed and check mailed to me immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : DPT EDXXXX XXXX Balance : {$310000.00} ; XX/XX/XXXX XXXX Balance : {$440.00} ; XX/XX/XXXX XXXX Balance : {$1200.00} ; XX/XX/XXXX XXXX Balance : {$590.00} ; XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Balance : {$500.00}
Complaint sub-issue: Public record

In reviewing this public record, I have noticed that the date reported has been updated to the year of 2015. If you search and review my older reports it will show that this was reported prior to 2015. This information is incorrect and must be removed if proof can not be shown.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased 4 passengers tickets from www.sky-tours.com for around {$4300.00} in XXXX and the flights were cancelled due to COVID-19 but I still haven't received refund yet. I filed a credit card dispute through Citi card but they closed the case as merchant 's favor even though it was fully refundable tickets. I contacted the travel agency so many times but they never answer the calls. They just kept telling I have to wait.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX had already reported their debt as a Charge-off and then updated it again with the same status and increased the amount after it was already charged off.. So that they can change the timing on when the debt would fall off my credit. This is erroneously reporting. Has been well over 7 years and should be removed You can see via the attachments that it was already reporting as charged off and then XXXX updated to reflect the same and increased the balance on a charged off loan.
Complaint sub-issue: Account information incorrect

This is not a duplicate the credit agencies needed proof of my identity and did not state that they received them by mail. The documents are include in this complaint so they can not say that they did not receive them XXXX and Equifax XXXX payment amount for child support reported by EQUIFAX and XXXX is incorrect and according to FCRA should be corrected and updated. I have documented proof but EQUIFAX and XXXX is not acknowledging the uploaded documents online. Equifax and XXXX is stating that my monthly scheduled child support payments is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payments and EQUIFAX and XXXX refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving XXXX AND EQUIFAX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at EQUIFAX and XXXX even though they used to show the correct amount on my credit report
Complaint sub-issue: Don't agree with the fees charged

I never received any contact from FedLoan Servicing from XXXX XX/XX/2018. Suddenly I got a bill with interest accrued for all that time, at 8.5 % interest accrued. Now I owe over {$150000.00} for my son 's education through a PLUS Loan from XXXX. The usual amount borrowed was about $ XXXX per year. It was through XXXX XXXX in New York. I am going to be XXXX years old next year, and i will be paying this for the rest of my life. My son doesn't work due to XXXX, even though he graduated with honors. I don't think they should have compounded interest during the time I was lost from the system. It wasn't my fault I never received a bill. They even took 30 % of my social Security out for a half year until my representative, XXXX XXXX got them to stop. Is there anyway the interest can be forgiven?
Complaint sub-issue: Reporting company used your report improperly

On XXXX and XXXX I was one of the impacted by the cyber breach of equifax and my data have been compromised. I have been complaining to equifax about an authorized hard inquirys in my report since XXXX but it hasnt been resolved. As of today XX/XX/XXXX I have signed up with a XXXX party credit montering and I would like equifax to remove all my previous credit inquiries from my report as I have not authorized them.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this date, 90 days later, I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 90 days and I am demanding these accounts are deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't move forward with my life with these unverified accounts. Something needs to be done.
Complaint sub-issue: Problem making or receiving payments

I opened an account at N26 using referral code : XXXX where the sign-up bonus required me spend {$20.00} on the debit card through a POS transaction and receive a {$10.00} bonus. I did the requirement but never received the bonus. I contacted N26 support center, through social media, and email. None of the people were able to find the problem and distribute my bonus. They stopped contacting me and I just want the bonus for the requirement that I have fulfilled.
Complaint sub-issue: Information belongs to someone else

I have determined that there are some creditors listed on my credit report that does not belong to me. I have listed it in the report. Please remove them.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Complaint sub-issue: Public record information inaccurate

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Disclosure Department XXXX. XXXX XXXX XXXX, GA XXXX I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third-party system known as a XXXX XXXX. The XXXX  XXXX  is inaccurate and incomplete since the XXXX XXXX  does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the  county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 
Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcy withing two weeks from the date you receive this letter. 
Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts
Complaint sub-issue: Information belongs to someone else

My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these inaccurate items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 46 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Public record information inaccurate

ON XX/XX/2019 I SPOKE WITH XXXX REGARDING A DISPUTE FOR PUBLIC RECORD-BANKRUPTCY THAT CAME BACK AS VERIFIED. XXXX INFORMED ME TO CALL LEXIS NEXIS WHOM REPORTED THE INFORMATION TO THEM. I CALLED THE DISTRICT COURT AND WAS TOLD THAT MY FILE WAS IN STORAGE AND NOONE COULD RETRIEVE IT. I SPOKE WITH LEXIS NEXIS ASKED FOR MY DISCLOSURE REPORT # XXXX, INFORMED THEM TO DISPUTE THE PUBLIC RECORD BECAUSE IT IS SHOWING INCORRECT INFORMATION, AGENT CONFIRMED INCORRECT INFORMATION THAT IS REPORTING.
Complaint sub-issue: Received bad information about my loan

I submitted an income driven repayment plan change request to XXXX on XX/XX/2016. On the XXXX it was approved, then a few days later my loan was transferred to XXXX. My payment plan change did not transfer, so I applied again and was reassured that the application was received and everything was ok. I then received a notification that my application was denied because my loans were not in repayment ; they are. I called and was told to resubmit along with some updated income information, and I did, my request was denied again because it was n't time to renew my income. It 's been 3 months and I 'm unable to continue making my high payments.
Complaint sub-issue: Didn't receive advertised or promotional terms

didn't receive points that were promised in CFPB case XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Act XXXX XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Debt is not mine

I filed a complaint through cfpb on XXXX XXXX, 2015 about a debt that did n't belong to me for XXXX XXXX that XXXX XXXX XXXX was collecting on. 

At the time, there were XXXX accounts that were affecting me and we reached an agreement that I would pay off XXXX account and XXXX XXXX XXXX would remove the XXXX account from my credit report and consider it resolved. 

XXXX XXXX XXXX followed through with what they said and removed the account from my credit report, but that account has apparently now been sold to another collections company ( EOS CCA ) who has put the account back on to my credit and started collection attempts on the account that was supposed to be resolved. 

The case number that was created before is XXXX and has a related case number of XXXX. The XXXX century link account numbers are XXXX and XXXX. Account XXXX is the account that was removed and apparently re-sold to another collections company. Account number XXXX is the one that I paid. 

I have attached a copy of the accepted complaint from the original company.
Complaint sub-issue: Other problem getting your report or credit score

I can not access my equifax account or reset my password. Every time I call in to reset the password, the identity test fails. I can't get on the line with someone or get information about my account. I can't file a dispute or get access to my credit score either. 

I need help resetting my password and gaining access to my account, since the automated system is unable to confirm my identity ( despite me answering questions correctly )
Complaint sub-issue: Was not notified of investigation status or results

I sent a certified letter to all three credit bureaus, requesting to have this closed account from XXXX XX/XX/13 removed/ deleted from my credit reports. It has been well over 90 days and I haven't heard anything from them not have the account been deleted. This violates the FCRA law that States that the bureaus has a responsibility to respond to the request of all consumers within a timely manner.
Complaint sub-issue: Debt was result of identity theft

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.