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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Every credit reporting agency has removed these from my report EXCEPT for Equifax. 

Equifax failed to provide me with documentation and PROOF that this collection and collection amount belongs to me. It needs to be removed immediately. 

XXXX XXXX XX/XX/2022 {$3900.00}
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190000.00}
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$15000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}. 

Federal law requires the XXXX Credit Bureaus to reply inside the legal time span, yet they still can't seem to answer my letters. Subsequently, any records that have been questioned should be amended.
Complaint sub-issue: Information belongs to someone else

My credit report recently dropped XXXX points. This was due to a supposed missed payment on a credit card. I wrote to the 3 reporting companies and told them I do not have a XXXX credit card. Equifax told me I needed to correct the issue with XXXX Bank. 

You will notice that I had a previous complaint with XXXX for issueing a card I did not ask for. Evidently, XXXX issued the card to someone else and they have rung up charges and made small payment, then stopped making payments. It has been impossible to get a person on the line at XXXX to discuss this. They keep asking for the account number, which I don't have as I never has the account. 

I never had this XXXX card. 

I was in the process of buying a house, and now my credit score is trashed. 

Credit rating companies should not be able to just pass this off that it is not their fault that the information is incorrect. Please help me.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018, I submitted a complaint on Equifax to remove specific accounts that do not belong to me. I submitted a police report and FTC report and a letter disputing these fraudulent accounts. In a response from Equifax, dated XX/XX/2018, I was told the " disputed accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX are currently not reporting on the Equifax credit file. The additional disputed items are currently not reporting on the Equifax credit file. '' However, I reviewed my credit profile and the accounts remain on my credit profile. I called Equifax to figure what the issue is and was told these accounts are now verified. I asked to speak with someone who monitors their CFPB responses but was told this department does not exist. I was transferred to the fraud department to report these same accounts. The person explained the accounts were again verified electronically by the furnishers. I recorded the conversation concerning the way disputes are conducted in which I was told the investigation were conducted electronically. Furthermore, it was explained that unless the company returns a request for deletion, the account will remain on my credit report. A complete investigation is suppose to be conducted and in my case as well as all others subjected to Equifax method of verifying accounts is not happening. This is just unacceptable!! Unfortunately, the file is to large to place on the complaint However I will condense for an additional complaint if one is needed. Furthermore it is unacceptable that a response from Equifax to the me and the bureau which governs their methods, would be fabricated. These accounts are still on my credit profile, please remove immediately.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance.
Complaint sub-issue: Reporting company used your report improperly

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is the second time in less than 6 months that Equifax continues to report an erroneus COLLECTION account as PAID even after the furnisher of the information, XXXX XXXX XXXX ( XXXX ) sent a deletion request to all three credit bureaus. XXXX and XXXX  immediately deleted the collection upon receiving the DELETION request from XXXX 0N XX/XX/2021. Unfortunately, instead of deleting the collection account # XXXX for {$200.00} allegedly owed to XXXX XXXX XXXX, Equifax decided to change it to a PAID collection. This is wrong and it has significantly affected my credit rating. 
I filed a dispute with XXXX on XX/XX/2021 after noticing that they had changed the collection to PAID instead of DELETING it, I called many times without much help. On XX/XX/2021 XXXX supposedly completed their " investigation '' and concluded that they were reporting correctly in total disregard of the DELETION letter from XXXX. This lowered my credit score and put negative information on my credit file at a time when I am just weeks away from closing on my first mortgage. 
Today, I just filed another dispute with XXXX about the same issue again. I have attached the DELETION request from XXXX as well as XXXX XXXX report closing the investigation stating that they were reporting correctly when they were not. I would like XXXX  to prioritize my request for them to report correctly on this account by deleting it as requested by the data furnisher just like the other two credit reporting bureaus.
Complaint sub-issue: Account information incorrect

I have excellent credit for both home and auto, however Lexis Nexis reported incorrect scores to my car insurance company XXXX  XXXX XXXX XXXX XXXX due to an error reported to the credit bureaus in XX/XX/XXXX as a result of my doing a balance transfer from one credit card to another in order to reduce my interest rate. 

I had requested that LexisNexis run my credit and auto scores 90 days prior to my car insurance premium renewal for my insurance company because I felt my insurance premium was too high. LexisNexis came back with the incorrect scores due to the balance transfer error. In turn, my insurance company raised my car insurance premium rather than lowering it. 

When I found this out I filed a Direct Dispute with XXXX who had said my scores as of early XX/XX/XXXX were Credit XXXX and Auto XXXX. XXXX then looked into this and XXXX corrected the scores as of XX/XX/XXXX to read XXXX XXXX and XXXX XXXX and as of XX/XX/XXXX for both XXXX and XXXX. As of XXXX they are currently XXXX. 

I then contacted LexisNexis XXXX XX/XX/XXXX, their reference # XXXX and appealed to them about these errors and requested they use my correct scores going back to XX/XX/XXXX, since had there not been an error made, those are the scores they would have used and reported to XXXX XXXX. LexisNexis refuses to use them and my car insurance company claims they can not discuss anything about my credit with them and therefore they can not use the new scores to reduce my premiums. The lower credit and auto scores, XXXX and XXXX, are causing my car insurance premiums to increase rather than decrease. XXXX has my credit score at XXXX as of XX/XX/XXXX which is even higher than XXXX and XXXX, and, my auto score as of XX/XX/XXXX, was XXXX. 


Since my credit and auto scores were lowered through no fault of my own then readjusted to reflect the correct scores, I strongly feel that my insurance premium should reflect my much higher scores. There is a big gap from Early XXXX to XXXX. What LexisNexis is refusing to do for me, a XXXX year old Senior citizen on a fixed income who was empoyed by the federal government for 30 years and who hasn't seen a cost of living increase in the past 3 years and most likely will not see an increase in XXXX is shameful. 

A copy of this went to The Florida Attorney General, XXXX XXXX, the Florida XXXX XXXX, LexisNexis and XXXX XXXX XXXX XXXX XXXX. I have not heard back from anybody except the Department of Financial Services instructing me to submit a claim to you.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Complaint sub-issue: Need information about your loan balance or loan terms

I consolidated my FFEL loans with FedLoan to qualify for public service loan forgiveness. I submitted my app on XX/XX/21 with receipt confirmation on XX/XX/21. Since then I've heard nothing. My employe4 hasn't even been certified. Try to call them and you are spending a minimum of an hour on hold. Once I spent close to XXXX  hours on hold, someone answered then hung up on me. Then they tell you they have no information and continue waiting. I've sent multiple emails to customer service with no response other than the autogenerated email receipt. This is disgusting
Complaint sub-issue: Reporting company used your report improperly

LexisNexis Violated my right to privacy pursuant to 15 USC 1681a ( 4 ) by sharing my private, personal bankruptcy information and has infringed upon my Consumer rights to privacy. LexisNexis did not have a permissible purpose nor written instructions to furnish my personal and private banktruptcy information to any consumer reporting agency which they have done.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I contacted my credit card company to dispute 2 items on my XXXX statement. I went on a XXXX cruise and made these purchases, but the items were defective, I did not discover this until I returned home. I was told I had a lifetime warranty with the device, but I was not told by the merchant that I had only three days to register and that all sales were final, these detail were conveniently left  out. Since I was on a cruise ship, and I did not open the packages to see the registration card until I returned home, I was unaware about the registration deadline and did not see the small print disclosure on the receipt. It also stated I had 14 days to return or exchange the items. At this point, I filed the dispute since the items did not work properly, returned the items ( insured ) back to the merchant. I received the package back unopened " refused '' and ultimately in the end, KeyBank XXXX denied my claim strictly because of what was printed on the receipt, " all sales final ''. I tried to reason with my bank and explain the extenuating circumstances - my concern that other potential customers may be scammed as I was ( almost {$2000.00} loss ). They told me to file a claim with my attorney general 's office and apologized, that there was nothing else they could do to assist me since they were following policy. I found this unacceptable, and I am sincerely hoping someone will assist me with my appeal to XXXX. It is difficult for me to accept that a merchant ( Forever Flawless ) can sell faulty new merchandise and put whatever they want on a receipt and just get away with it. Consumers should have some rights and be protected against scammers. This was not a $ XXXX {$10.00} item which I can just write off, this total cost was almost {$2000.00}!
Complaint sub-issue: Public record information inaccurate

Dear Sir or Madam, I applied for XXXX as a XXXX recently ( XX/XX/XXXX ) and they initiated a background check on me, which is fine, as I am a XXXX and have been fingerprinted and background checked out the wazoo. 

Then Checkr, the company with my credit report, wrote me with a copy of my report ( XX/XX/XXXX ). I was disappointed to see that one of the background check categories said " Consider ''. The report brought up a XXXX  XXXX XXXX ( of which I was XXXX ), but it was from XX/XX/XXXX. That's 15 years ago. The Fair Credit Reporting Act ( FCRA ) clearly  states that information more than 7 or 10 years old that is negative may not be reported. 

I emailed Checkr and informed them of this and that it was a violation of my rights, but I am already being screened by XXXX based on this background check. I hope it does not affect my chance of being hired. Thank you for taking this into consideration. 

XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$5800.00}, {$15000.00}, {$21000.00}, {$0.00}, {$1000.00}, {$11000.00}, {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

XXXX. XXXX XXXX CRED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I notified companies that these inquiries was not authorized by me. The inquiry was applied without my consent.
Complaint sub-issue: Debt was result of identity theft

In my last communication with EQUIFAX, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an affidavit of truth. My next step will be a civil suit.
Complaint sub-issue: Information belongs to someone else

I RECEIVED A COUPLE OF BILLS IN THE MAIL STATING THAT INEED TO MAKE A PAYMENT FOR A LOAN. I DONT OWE A LOAN, I DONT HAVE ANY LOAN UNDER MYB NAME. THEN I CALLED TOVERIFY ALLN MY INFORMATION HAD BEEN USED TO OPEN THIS ACCOUNT. I GOT A COPY OF MY CREDIT REPORT AND SAW TWO BANKRUPTCIES AND A COUPLE OF INQUIRIES. ACOUPLE OF OTHER FRAUDULENT ACCOUNTS THAT ARE NOT MINE. I HAVE NEVER SEEN THESE ITEMS IN MY LIFE. PLEASE REMOVE THESE ITEMS FROM MY REPORT. THANK YOU
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 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. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) DEPT OF EDUCATION/XXXX  - XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX,
Complaint sub-issue: Delay in processing application

I was unknowingly a victim of a scam on XX/XX/XXXX of this year through Cash App. Some guy named XXXX XXXX removed all of my money out of my account to buy bitcoins without my permission. I had a total of {$53.00} on my card and he left me with {$0.00}. Ive been contacting the cash app team so that I can get my money back. And its been extremely frustrating. They locked my account on Thursday due to unusual activity and I have find in the account that I can not use. This guy was supposed to be reactivating my old card because I found it after I requested a replacement. And he took my money without my permission instead. And he later called me from several numbers to make fun of what he did. And he also told me to download a XXXX XXXX to freeze my phone while he removed my money without my permission. I really do hope you guys can help get my money back, because I really need it back.
Complaint sub-issue: Old information reappears or never goes away

I am appalled by the lack of responsibility on your behalf. When is XXXX going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts : XXXX XXXX XXXX XXXX : {$8300.00} Date Opened : XX/XX/2020 - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. Update for legal correctness, please. 

XXXX XXXX Balance Owed : {$0.00} - Please give proof that my privileges have not been suspended and that this account should be shown on my credit record. Otherwise, delete this detrimental information right away. 

XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} - You are reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the account as soon as possible.. 

XXXX XXXX Balance Owed : {$0.00} - You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. 

XXXX XXXX Balance Owed : {$0.00} On my credit record, you have shown a DELETED account from another bureau. FCRA mandates that reporting be entirely truthful. Please delete this detrimental information right away. 

XXXX XXXX Balance Owed : {$0.00} - My credit report contains information on a DELETED account from other bureaus. The FCRA requires complete accuracy in reporting. Please promptly delete this detrimental information.
Complaint sub-issue: Trouble with how payments are being handled

I have federal student loans with FedLoan Servicing, and I am participating in PSLF. 

In XXXX XXXX I logged on to XXXX and saw I had 11 qualifying payments for two of my loans, and 7 qualifying payments for six of my loans. 

In XXXX XXXX I filed another XXXX. It took them six weeks to process the XXXX. 

In XXXX XXXX I logged onto XXXX and saw the XXXX had been applied to two of my loans ; but now I had LESS qualifying payments for six of my loans - I only had 6 qualifying payments for six of my loans instead of seven ( please see attached two documents ). I spoke with a manager at XXXX who would not give me any reason for the deduction in qualifying payments ; even though I have continued to work full time for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continued to make my payments, and filed a new XXXX.