Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

I have sent multiple documents in to the consumer reporting agencies about the fact that the personal information they have for me is inaccurate and they need to remove it. They have YET to do so. It is your grave responsibility as outline in the FCRA to ensure that ALL information pertaining to me is 100 % accurate. 

You need to remove ANY information that does not reflect the following : Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer : XXXX XXXXXXXX XXXX  Any other information outside of what's above, is considered inaccurate and you need to delete it. I have attached my ID for reference.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I sent my initial investigation about accounts in question to either verify accounts or accounts that are not reporting correctly. Then I sent another dispute on XX/XX/XXXX regarding the same dispute to investigate because NO RESPONSE at this point its past 60 days and these accounts NEED TO BE REMOVED IMMEDIATELY due to NON-COMPLIANCE for an investigation to be conducted. Attached are proof showing letters sent out requesting for investigation. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Reason : Please verify this account Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Reason : Please verify this account You reported this account as late in XX/XX/XXXX to XX/XX/XXXX ; However this account is still showing Open status, how is this possible? Please DELETE this inaccurate erroneous account immediately. 

Account Name :XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Please verify this account You are reporting as past due balance on a collection account. This account is past due by default. You are reporting inaccurate and erroneous information. Please DELETE this account immediately. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name :XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Reason : Please verify this account Please REMOVE ALL LATE PAYMENTS. I was never late. Please remove late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. You are showing I was 30 days for each of these months how is this possible. PLEASE DELETE ALL LATE PAYMENTS IMMEDIATELY. 

Account Name :XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Reason : Please verify this account Account Name : XXXX XXXX Original Creditor : XXXXXX/XX/XXXX XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Reason : Please verify this account The Date of last activity is showing different with ALL THREE BUREAUS how is this possible when you are reporting from same creditor. Please DELETE this account immediately. 

Account Name : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Please verify this account
Complaint sub-issue: Reporting company used your report improperly

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 


XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, after trying to rent an apartment and being told I need a guarantor, I checked my credit score. It was extremely low, so I ran a report and found a fraudulent account that was on there through Discover. I contacted the police to file a police report and I contacted Discover who put me in touch with XXXX and XXXX to open an investigation. They shared that it would take a maximum of 6 weeks to complete the investigation and then the fraudulent account would be off of my credit report and my credit score should reflect as such. However, after 60 days, I called XXXX and XXXX after seeing no change in my credit score. They reported that they were unsure and would have to get back to me, but have not yet done so. I called Discover again and they said they would open their own investigation and try to resolve it. It has been two months of back and forth with Discover to no avail and I am unable to do anything regarding credit because of their inability to take the right steps to handle this issue.
Complaint sub-issue: Information belongs to someone else

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove 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 information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX : {$9300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has also violated my rights. 

They have reported different monthly terms and invalid late payments to my credit report for several months. 

I asked all 3 credit bureaus to investigate and they continued to report improperly with invalid information.
Complaint sub-issue: Information belongs to someone else

I stated that this is not my account and no one responds back to me from the credit reporting agency
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is in accurately reporting a timeshare account as a conventional mortgage. Because of this error my husband and I are unable to secure a traditional mortgage. Please update the account type/category and remarks to reflect that the account is a time-share and NOT a mortgage. 

We tried disputing through the CFPB but was unsuccessful because this company is not listed in their data base.
Complaint sub-issue: Information belongs to someone else

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. The accounts that are not mine which should be deleted.I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. 
The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.I believe that personal info was used by some one else to open this account. I am a victim of identity theft. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failures by credit reporting agencies to comply with these federal regulations are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, 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, you may be liable for your willful non-compliance.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my personal credit which I acquired from Equifax on XXXX and I noticed several unauthorized inquiries had been made. On XXXX at XXXX I request for the following inquiries be removed : XXXX ( XX/XX/XXXX ) XXXX Bank ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX of XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I was informed by the agent that the dispute would start and I should have results within 30 days. Today is XX/XX/XXXX only 9 days from when this dispute was started. I called into Equifax and spoke with an agent on XXXX @ XXXX he proceeds to tell me that they had proof of those inquiries listed but no information was sent to me. I would like to have a description of their investigation if the referenced above inquiries are valid. They have n't sent me no documentation stating that I made the following inquires. If no valid information can be sent to me showing that I made those following inquires I would like them deleted off my credit report.
Complaint sub-issue: Debt is not mine

HUNTER WARFIELD is attempting to collection on a debt that was caused as a result of identity theft. 

My identity was compromised in XXXX. Someone broke into my car and stole my wallet and other items that had personal information. It 's unclear who exactly however the Department of Justice might have arrested someone. If the apartment they collect for verified ID or went through proper identification procedures they would have seen it was n't me. 

I sent a certified letter containing : FTC Fraud Affidavit on XXXX/XXXX/XXXX ( Receipt XXXX/XXXX/XXXX ). I have not received a response. Today, XXXX/XXXX/XXXX I sent another certified letter containing all of the above documents and DOJ Victim Letter. 

Please feel free to review the attached documentation and proof of what they received and when HUNTER WARFIELD received it. 

I 'm hoping to get this resolved soon. Thank you XXXX XXXX
Complaint sub-issue: Information belongs to someone else

FTC report # XXXX Police report-per FTC it is OPTIONAL My name is XXXX XXXX These accounts need to be DELETED from my consumer reports and I need a copy of clean reports once removed. The credit reporting agencies are taking their time to remove ( been going back and forth with them for XXXX months now ). A few of them have removed some, but the fact that these account still remain is clueless to me as to why havent been removed when FTC report was included per the CRA 's request. 

Again, I need these accounts listed below including inquiries attached DELETED asap. My FTC reports # is also listed at top of paragraph XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Account terms

Inaccurate and outdated medical collection accounts and city tax lien continue to the reported on my credit report despite theses accounts being paid in full and service providers requested to have these accounts removed.
Complaint sub-issue: Reporting company used your report improperly

After chasing down information myself, I discovered through the Equifax website that they might have compromised my personal information in their recent hack. They have yet to give me a definite answer as to whether or not my information was compromised, nor have they provided an avenue toward a resolution. The information in question was not voluntarily given to this company by signing up for their services, but rather collected by Equifax as a facet of their business model. Not protecting this data properly is an enormous violation of the privacy of me and others in my situation who did not choose to explicitly trust this company with our private data.
Complaint sub-issue: Investigation took more than 30 days

My client is been trying to dispute various items from his Equifax credit report, but the company has not responded. We have sent multiple letters and warnings since XX/XX/XXXX, however, the company has not communicated with my client. We sent letters requesting the dispute of some accounts on the following days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. By today XX/XX/XXXX Equifax has still not responded to any of our letters.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/2022 I applied for the XXXX XXXX Bank credit builder credit card. Account was approved and then closed the same day. They have now reported this account to my credit bureau reports as a closed account and that it was closed at the credit grantors request. The account should have never been reported to the bureaus as it was closed the same day it was opened. In addition to that, it caused my credit score to drop as a result because it shows an account opened then closed. I asked them to remove it and all they could tell me was to have the credit bureaus remove it.
Complaint sub-issue: Account opened as a result of fraud

On XX/XX/XXXX I pulled my XXXX and found that an account was opened at PNC Bank with my SSN on XX/XX/XXXX. I immediately reached out to PNC and advised as to what had occurred and they completed a XXXX XXXX report and would have the report sent to the fraud team to have the account immediately shut down. When I called back to obtain status I was told it was all set. I proceeded to ask questions to determine how this could happen and to find out additional information for the police report i.e where was the account opened, was it done online, at a branch what type of information was used to open the account they immediately advised I was not allowed to receive this information. HELLO, it's my SSN and YOU opened the account with fraudulent documentation. I immediately reached out to XXXX to determine if an inquiry was made and nothing. I also asked if i would get anything from them advising that the account had been closed and a full fraud investigation was conducted and i was met with an immediate no. The only thing that was done was a XXXX inquiry with XXXX. Which also played a part in allowing this to happen as they should have had a security alert on file since XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair credit reporting Act XXXX Accounts listed as followed 1. XXXX XXXX  XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX 3. XXXXXXXX XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX, XX/XX/XXXX 6. XXXX XXXX XXXX, XX/XX/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 inst
ructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX. Violated my rights 15 USC 1681 section 602A.states I have a right to privacy. 15 USC 1681 section 604A section 2it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted pnc bank And the three major Bureaus, XXXX XXXX, XXXX, and XXXX because I noticed inaccurate information on my report! I ask them to correct it and they said they did! Upon my own observation of my consumer report I noticed that the inaccurate information still remains! So I ask for an reinvestigation! And they look upon it again they told me that they didnt find anything inaccurate information and they not changing nothing! 

Upon my reinvestigation I still found the inaccurate items to be on my consumer report! 

And have file complaint to FTC
Complaint sub-issue: Problem during payment process

I'm trying to submit a payment online and I'm deliberately getting locked out so I can not submit the payment on time which will cause interest and fees without speedy support from US Bank. This has been open since XX/XX/2018. Today XX/XX/2018, I'm told to wait for a PIN to be mailed to my house. What's the point of making me waste so much time? I'm not paying any late fees nor interest. If I can not access the account, I'll consider the account paid off. 

I'm not receiving the texts, I'm not given the option to receive email codes like all other banks do which I have accounts ( XXXX, XXXX, XXXX, etc. ).
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX and XXXX I disputed accounts on my credit report. I supplied account numbers, furnisher names, and the issues I had with each account. After Equifax initial investigation, I sent them a second letter informing them I was in disagreement of their findings because the inaccurate accounts were still on my credit report. At that time I ask for reinvestigation and provide me with validation of the debt or deletion the accounts. I never got validation of the debts from Equifax or deletion of the accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

I requted XXXX to remove inaccurate reporting. Sent them copies of the request dated back XXXX with no futher updates from XXXX XXXX I loked at my credit report XXXX inaccurate accounts are still showing. 

XXXX XXXX sent improper validation Financial data ( 2 ) no response to my 30 day demand request XXXX no response to my 30 day demand request
Complaint sub-issue: Trouble with how payments are handled

My XXXX student loan was bought out my Discover a few years ago. the first contact made my discover, was after they sent my loan to a collector agency. After I paid my loan for six months, Discover bought my loan back from the collection agency but did not inform me of this until after I called Discover because the payment was no longer going through my account. Discover was unwilling to lower my payments, and added penalties to my loan. Discover would not give me information for my taxes, until after the filing date of XXXX XXXX.
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be 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: Account terms

I have written Equifax twice about a collection that has no account name asking for more information. They do not respond to me. 

It reads : Account # XXXX. {$97.00}. XXXX/XXXX/2013
Complaint sub-issue: Debt was result of identity theft

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ERC ( Original Creditor : 1XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Information belongs to someone else

hi XXXX ; I been trying to contact you guys because there is an account under my name and credit report that I'm unaware of and i need this delete and permanently removed from my credit. I never authorized nor signed nor give any consent to be added. I'm not liable for this account and i need this removed. delete now.
Complaint sub-issue: Account information incorrect

This letter is to request you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate items. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX XXXX XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Complaint sub-issue: Account status incorrect

I applied for a home mortgage today at 2 banks XXXX XXXX XXXX  and XXXX XXXX XXXX and was denied. I found out from XXXX XXXX bank that the reason was my low credit score XXXX, which they obtained from XXXX. Prior to applying for the mortgage loan, on the same day, I checked my credit scores from 3 credit reporting agencies ( XXXX XXXX, and XXXX  ). From XXXX, my credit score was XXXX. 

I called XXXX  and asked about the the discrepancy and was told that the problem is likely the third party company, CoreLogic Credco LLC ( XXXX XXXX XXXX, that reported my credit score to the bank. So I called CoreLogic Credco and after a very extensive hold, I was told by a customer service agent that the the score came from Fair Isaac ( FICO ), and there was nothing for them to fix. I then contacted XXXX XXXX about the discrepancy and was told that there was nothing that they can do and I needed to resolve the credit score discrepancy for any reconsideration of a mortgage loan and will need to submit another application.

Attached are my credit score from XXXX website, which I had to pay $ XXXXmonth subscription to obtain the credit score, indicating XXXX score and a letter from XXXX XXXX XXXX which I was able to electronically obtain, showing XXXX score and XXXX  as the source of the info. The letter also states Credco LLC as another credit info source.
Complaint sub-issue: Account status incorrect

I opened an account with Conn 's in XXXX of last year. Initially the associate made a mistake on my order & once this was noticed, rather than correcting the account, a new account was opened and the balance was supposed to be transferred to the new account. At the time I did not even know about the existence of the first account. I was made aware when Conn 's collection department called me, requesting payment for this erroneous account. I have spent countless hours on the phone with the various departments within Conn 's and have been assured repeatedly that this would not effect my credit and the first account would be closed out. Well over six months later I have had no resolution & both accounts are reporting on my credit, with the erroneous account, reporting negatively. I receive almost daily collection calls from Conn 's which ultimately end with the associate reading the notes & apologizing, again, assuring me the matter will be taken care of soon. My " real '' account is in good standing & I am a very frustrated & unhappy customer. 

I would like to reiterate that at no time was I made aware that a second account was opened in my name, nor was I aware that the first account was balance transferred to the second account.