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

On XXXX XXXX i sent a letter to XXXX  stating that I was victim of identity fraud with the police report attached. It was removed from the other two bureaus but XXXX  refused to remove the items on my report. 

1. Columbus Bank & Trust Account Number : XXXX identity theft 2. XXXX XXXX  Account Number : XXXX identity theft 3. I have no acknowledgement of this account. Clearly this company has made a mistake XXXX Account Number : XXXX identity theft I have never heard of this company nor have I ever done business with them 4. XXXX XXXX XXXX  Account Number : XXXX identity theft 5. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX identity theft 6. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX identity theft
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Investigation took more than 30 days

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company.

This has caused me defamation of character, severe hardships, P
ain, Emotional Anguish, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 



The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and Equifax must remove these inquiries from my credit report.
Complaint sub-issue: Account status

Equifax still shows that I have defaulted on my federal student loans when, in fact, all of my federal student loans have been successfully consolidated with XXXX. I have documents that can prove that, as well.
Complaint sub-issue: Didn't receive services that were advertised

I had a bankruptcy several years ago - only on credit cards. I reaffirmed my home mortgage, but XXXX has never reported to the credit agencies since then that I make my mortgage payments each month for years now - which would help improve my credit score. Please help me. I need to increase my credit score. XXXX has filed bankruptcy themselves and now my mortgage is going to LoanCare LLC - XXXX   XXXX XXXX, XXXX XXXX XXXX, CA XXXX, phone numbers - customer service XXXX and collections XXXX. Every time I had my bankruptcy attorney send a reaffirmation of my home mortgage - they would just say it wasnt the right paper. So now my bankruptcy attorney says he wont help anymore. Please help me - Im a single mom to a XXXX year old boy who is on the XXXX for XXXX, a XXXX XXXX, and I divorced my sons father ( my ex-husband ) because he was so abusive to myself and my son. I still cant seem to financially recover from that horrible time in my life even though I filed for divorce in 2011.
Complaint sub-issue: Reporting company used your report improperly

That, i am a natural person. i am a living human being, spirit. i have rights under USC 1681 ; That, XXXX is governed by 15 USC Section 1681 and they violated my rights numerous of times ; That, I demand the accounts listed below be remove because according to 15 USC Section 1681, I have the right to privacy and I did not give XXXX written permission to furnish these accounts ; That, In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 ; 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 Texas Office of Atty General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Equifax Only ) That XXXX 15 USC Section 1681 Section 602A states that I have the right to privacy ; That, 15 USC Section 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without my written [ expressed consent ] instructions ; That, 15 USC Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes antedates the report by more than seven years ; That, 15 USC Section 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ; Affiant further sayeth not. 

XXXX XXXX XXXX Authorized Representative for XXXX XXXX
Complaint sub-issue: Account status

EQUIFAXXXXX XXXXACCOUNT SHOWING COLLECTION/ CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Thank you for reviewing the complaint. After reviewing the credit profile, Nelnet continues to report account XXXX repeatedly. According to FCRA the method of reporting is illegal and inaccurate. The multiple accounts display as if 26 late-payments, instead of two late-payments.

The method of reporting continues to compromise credit score and creditworthiness.
Complaint sub-issue: Information belongs to someone else

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Complaint sub-issue: Information belongs to someone else

The creditor has not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

This is NOT a credit repair company. This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : XXXX XXXX XXXX and XXXX XXXX XXXX. Fraudulent accounts XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX 3 accounts ), XXXX XXXX XXXX. 2 Collection Accounts : XXXX XXXX and XXXX XXXXXXXX XXXX 

I am asking EQUIFAX, XXXX and XXXX to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.
Complaint sub-issue: Information belongs to someone else

Hello. I had to contact the FTC and police because of fraud. I ran my annual credit report today and discovered items on my credit that are completely foreign to me. I am planning on buying a home soon. I have absolutely no idea what these items are and would like them removed as quickly as possible. Two items don't even have names attach to them only account numbers. 
Item # 1 Unknown ( account # XXXX ) item # 2 Unknown ( account # XXXX ), XXXX XXXX, XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Complaint sub-issue: Information belongs to someone else

Wrongfully posting credit accounts on my name.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I put in multiple disputes no action taken after information verified not meXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$750.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
XXXX {$1100.00} XXXX updated XX/XX/2022 nothing removed
Complaint sub-issue: Account status incorrect

I filed a dispute with Equifax on XX/XX/XXXX confirmation # XXXX and XXXX # XXXX regarding the inaccurate reporting of my XXXX XXXX  credit card account. The account is listed as 60 days past due with my last payment in XX/XX/XXXX and that I owe {$63.00}. My account should be listed Pays As Agreed with no past due amounts. I received the results of the investigationXX/XX/XXXX Monday morning. There were portions of my payment history that had been corrected but my account history was still listed as 31 -60 days late. I spoke with a representative named XXXX  and she said I had to contact XXXX XXXX. I told her that I 've contacted XXXX XXXX XXXX and they have not responded.
She said she would refile the dispute. It was refiled on Monday and I received results today XX/XX/XXXX and my historical payments have been corrected with no past due payments but my status is still listed as 31-61 days late. My status is supposed to be PAYS AS AGREED! I 've made payments to XXXX XXXX XXXX. I 'm up to date and on time. I make my payments thru the mobile site. I 've had issues with reviewing statements and the mobile pay platform. However I have monthly payments to XXXX XXXX XXXX thru my checking account. I 'm not behind on my payments. I do n't owe XXXX XXXX any payments. This error has dropped my credit score by 49 points. My status should be listed as Pays As Agreed. I would like this updated as soon as possible. This drop in credit score has triggered reviews by other creditors. Im in the process of trying to refinance and this drop in score effects my ability to refinance. XXXX XXXX XXXX is examined by the OCC.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX, account number XXXX ; 3. ) XXXX, account number XXXX 4. ) XXXX, account number XXXX 5. ) XXXX XXXX, account number XXXX 6. ) XXXX XXXX XXXX XXXX XXXX, account number XXXX ; 7. ) XXXX  XXXX, account number XXXX ; 8. ) XXXX XXXX XXXX, account number XXXX ; 9. ) XXXX, account number XXXX ; 10. ) Bankruptcy, case number XXXX ; 11. ) Bankruptcy, case number XXXX ; 12. ) Bankruptcy, case number XXXX ; 13. ) Bankruptcy, case number XXXX 14. ) Federal Tax Lien, {$170000.00} Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Complaint sub-issue: Was not notified of investigation status or results

I sent in a letter on XX/XX/2021 about the inaccuracies on my credit report and got no update and it has been well over 30 days! This is stoping me from moving on with my life and causing be Extreme stress! I cant take this anymore, I need the items removed immediately so I can go back to living my life. This stress has landed me in the XXXX many times now I just cant take it anymore!
Complaint sub-issue: Investigation took more than 30 days

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on in my consumer report. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX BANK SS XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX
Complaint sub-issue: Funds not received from closed account

Hello. 
Citibank closed by checking account I received 2 emails emails on XX/XX/2022 " We noticed unusual account activity For your security, we've temporarily blocked your accounts. '' And another one after 15 minutes " Your Citi account ( s ) will automatically close within 60 days '' The email promised that I will get more details in a physical mail and a check with remaining funds, but I did not receive it. Multiple calls to consumer service with my complains about lack of information did not resolve the problem. The only response was physical main is coming, noting is available in the mailbox.

I still get some useless physical mails from Citibank. For example, one mentioned a product change for closed Citi XXXX credit card. 
Communication with the bank is also strange, they mentioned suspicious activity, but did not provide a way for me to verify what happened - access to the web site is forbitten and customer service phone representative tell that they don't see the info since account is closed. 

Please ask Citibank for the reason why account was closed and confirmation that proper explanation was send to me. I also want an easy access to receive the remaining funds. Waiting for check send by a mail takes too long and I don't even know if it was send. 
Thank you. 
XXXX. 

Account details : Online checking account XXXX XXXX XXXX XXXX XXXX Email : XXXX Mailing address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Frequent or repeated calls

Over the past few months, I have received countless calls from unknown and random numbers. When I answered the call, it is a computer voice saying that my social secruity number has a debt collection on it and I need to call a number. When you call the number, the person that answers asks for your name and social secruity number. Obviously, I thought it was fake and I didn't give them my person information. Over the weekend I received a XXXX alert saying that I had a debt collector after me. XXXX XXXX   provided me the name of the debt collector, Hunter Warfield. I called the company and talke to an extremly rude person that told me I was lying ( I told him I didn't have outstanding debt and I wasn't sure what this was all about ) and demanded my social secruity number. Again, I didn't give him it. I did give him my first and last name and the last XXXX of my SS. This gave him enough to tell me my old apartment complex, XXXX XXXX XXXX, filed for a debt collection because I apparently didn't pay to break my lease ( which I 100 % did pay on time ). The guy at Hunter Warfield told me to fax them proof of payment, which I just did. I have an email confirmation from XXXX XXXX on XX/XX/29 saying I payed the full amount and it also shows I have a Zero Balance. Now what? XXXX XXXX XXXX inaccurately reported debt information on my credit report. A debt collector has been harrasing me for months now, they have been disrupting my work life, and they really disrupted today 's work. I felt compelled to reach out to the CFPB because I don't have the money to get a lawyer and now I am worried that my credit has been negatively impacted. I also don't know if I this is settled now that I have shown the debt collection company that I payed.
Complaint sub-issue: Account information incorrect

Balance is incorrect on vehicle loan XXXX XXXX XXXX XXXX it should reflect a balamce of {$10.00}, XXXX
Complaint sub-issue: Debt is not yours

I opened up dispute with credit bureaus last month in XXXX regarding this alleged debt, ,and I was sent a letter with no documentation stating that they have the legal right to come after me for debt. There is no proof I owe this alleged debt and and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent identity thief reports to each credit bureau and Equifax is the only bureau stating they have not received my documents. I sent certified mailed in XXXX and XXXX along with a fax. Each time I call the company states they did not receive my documents.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax refused to remove Hard inquires that were on my credit report that I did not approve to have my credit pulled. They stated that hard inquires can not be disputed. the list of companies pulled my credit without my approval and I want these hard inquires removed. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX