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

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/22 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Tenant  from XXXX XXXX XXXX to XX/XX/XXXX at XXXX XXXX at XXXXXXXX XXXX XXXXXXXX in XXXX XXXX. 

Never was late on rent, paid everything on time and gave a 30 day notice to vacate. 

6 months AFTER vacating, having moved to XXXX  with my brother ( my brothers contact info was listed on my application ), XXXX of XXXX XXXX XXXX leaves message on my brothers answering machine I owe money for damages. 

XXXX of XXXX XXXX  has also fraudulently kept my entire deposit. 

XXXX of XXXX XXXX  has fradulently reported these fraudulent charges which are not mine to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX damaging my credit due to an account that and fraudulent charges that is not mine. 

XXXX of XXXX never informed me of any damages the first 30 days for I made none minus some cleaning costs incurred. 

I never ever received any mail regarding these so called damages within 5- 6 months of me moving back to XXXX  at my brothers house . Never heard nothing.

1- I am contesting all fraudulent charges. No damages of my doing were done under my tenancy nor was I notified within 14-60 days and not until aprox 5- 6 months later of damages not mine, nor my account. 

2- Landlord has a duty to notify me 2 weeks to 30 days upon move out regarding deductions of deposit and any all damages under my tenancy. That did not happen.

3- Account of damages does not belong to me.

4-This is continued harassment and fraud months after vacating XXXX XXXX, with XXXX knowing I was moving back to XXXX. 

5- XXXX harassed me during tenancy putting holes above and around my toilet, shower and above my bed I was forced to cover for my privacy. 

Please remove all fraudulent charges and negative info off my credit reports 3 bureaus report immediatley. 

This matter was removed off my credit and XXXX/XXXX  placed it back on there after I attemped to contest this matter prior. 


deduct fair charges for cleaning and other charges that may apply by code and reimburse me the rest to XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX lastly remove all and any negative marks on all 3 credit bureaus at once and not to fraudulently add these fraudulent charges back on my credit report for the 3 third time, since he has done that previously twice already.
Complaint sub-issue: Public record information inaccurate

I have a bankruptcy reporting to my XXXX credit report. The bankruptcy is not showing on XXXX or XXXX. My name is also spelled wrong with the bankruptcy reporting to my credit report I have also reached out to the courts filed disputes and reached out to lexis nexis they also are stating I do not have any public records.
Complaint sub-issue: Problem with personal statement of dispute

Equifax has refuse to send me verification of a debt collector name XXXX XXXX that has been reporting on my credit report that account does not belong to me and i have no knowledge of that account
Complaint sub-issue: Reporting company used your report improperly

My whole identity has been stolen. Hacked and frauded. Fraudulent mail and email / phone hatched
Complaint sub-issue: Old information reappears or never goes away

Upon receiving a pre-employment screening report, I noticed there is an outdated address in California showing ( I haven't lived in CA in 16 years ) and also a record check in Arizona that is completely incorrect ( I have never resided in the state ). 

I contacted the screening provider, XXXX XXXX XXXX, presented the report and noted the outdated and incorrect information. It took several phone calls and an unnecessarily long e-mail thread over 5 days for them to relay their contact company they received the information from I would need to contact ; Lexis Nexis.

I opened a ticket with Lexis Nexis on their website under the appropriate category on XX/XX/XXXX, informing them of the same outdated and incorrect information on my background screening, and attached a copy of the report. 10 days later on XXXX, they responded and indicated they needed me to provide a copy of the dead individual. No one died, and I communicated nothing of that to them so that was confusing and I began to lose faith in their literacy and competence. I again repeated my request. 

11 days later on XX/XX/XXXX, they responded informing me they don't deal with my issue in their department and would need to contact the department of Lexis Nexis that handles background screens. I found this frustrating and an unnecessary delay having opened a ticket on their website under the correct category 22 days earlier. 

Regardless, wanting to finish the issue, I called the phone number today, XX/XX/XXXX. The representative I spoke to, after XXXX minutes of being very confused, informed me the company I Was calling was XXXX XXXX, which is a background screening company, and they had no record of a report being run on me in XXXX.This was very frustrating. I Tried to verify that they provided information to LexisNexis, the representative said he couldn't provide that information to me, but that they did not run a background report on me, and that I should contact LexisNexis. 

Tomorrow marks 30 days, many e-mails I've attached, about 5 phone calls and much of my wasted time for what should be a simple, functional and *IS* a legally guaranteed removal of incorrect or outdated information on my background report. I would like to request maximum penalties for LexisNexis for incompetence. If you could please provide me information the legal recourse I have to pursue damages or legal action against them for failing to abide by the FCRA I would appreciate it as well.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent letters and never got a reply, I have called and never got anyone to answer just a repeating auto information, I am locked out of my accounts with Equifax and XXXX. They are no help.
Complaint sub-issue: Debt is not yours

I have been receiving repeated calls and letters from Collection Bureau of Kansas beginning on XX/XX/XXXX. The agent tells me I owe money to the city of XXXX, Kansas, and requests personal information in exchange for the details. I called the city of XXXX, Kansas myself on XX/XX/XXXX at XXXX at ( XXXX ) XXXX, then ( XXXX ) XXXX and was told I have no debts with them under my current name, maiden name, or alias, and they stated there is no debt under the name of my brother, who's name is similar to mine. I called CBK back on XX/XX/XXXX at XXXX and notified the agent of what the city of XXXX, Kansas told me. I am unable to find the first letter sent from CBK, but the second letter is dated XX/XX/XXXX. It is addressed to a name that is a composite of my and my brother 's name. I haven't lived at the that mailing address since at least XXXX and my last name changed by marriage in at least XXXX. I have blocked the phone numbers calling after stating I have no debts with the city of XXXX, Kansas. CBK calls from a new number after noticing they've been blocked. Log of phone calls is below : ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX Many of the recent calls have nine-10 second long empty voicemails.
Complaint sub-issue: Account information incorrect

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX with no successful resolution. Equifax and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Complaint sub-issue: Problem making or receiving payments

On XX/XX/XXXX I visited my local Citibank branch to inquire about the discontinuation of my XXXX recurring monthly transfer from Citi to XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I had always been able to see my scheduled transfers online and they no longer appeared. The branch representative could not explain where tranfers could be reviewed or why the transfer was stopped. She insisted the transfer was initiated by XXXX not Citi which I knew made no sense but I left and called XXXX who confirmed they did not and never could initiate such a transfer. On the XXXX, I called Citi technical support. The first representative said she knew there was an issue but did not explain it and the connection was so XXXX I had no idea what she was saying. After multiple requests for her to speak slowly and clearly we were disconnected. I called back and another representative explained that Citi recently switched to a new platform " XXXX '' and as a result all previously scheduled transfers were discontinued. Apparently this was explained in a letter posted online in XXXX but it was absolutely not clear to me that my funds transfer schedule would not only be disrupted but it would be permanently discontinued!! Further, I would no longer be able to establish a recurring transfer to XXXX because they do not have the XXXX platform. It is unacceptable to bury an unclear notification in a mobile app, not send a separate email and/or a physical letter, and not clearly communicate that the transfer would not occur the following month clearly enough for the customer to ensure necessary action was taken. It is more outrageous that the in branch rep did not know what the issue was and that it took multiple calls to find an actionable response. I spent half a day dealing with this. Citi did not properly inform its customers or staff or understand the implications of their platform change.
Complaint sub-issue: Contacted your employer

Hello, This is a formal complaint against Grant and Weber. The debt collection of {$530.00} has been attempted to be collected on multiple occasions even after the request to stop. I have called every month on the 1st for the past 6 months to ask to please stop calling other people around me. I have recently been denied a job opportunity during this extremely hard time during a pandemic due to the negative collection amount from this debt collector. I have gotten word from relatives and other co workers that Grant and Weber has continued to get information from a third party for me to pay the debt. Violating their privacy and others. Under the Hippa law protection, Grant and Weber has violated the terms of this law in trying to collect a debt and providing information that has not been authorized by me. I have been denied a position to survive in these troubling times. At this point I have contacted a lawyer and we are prepared to sue for defamation of character and for punitive damages. Grant and Weber has violated laws in trying to collect a debt. They have broken the rules when trying to collect a debt.
Complaint sub-issue: Problem getting your free annual credit report

I have not received my free credit report and score. have not received no report
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX XXXX # XXXX, XXXX ) XXXX Bank Acct # XXXX, XXXX XXXX XXXX XXXX Bank Acct # 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 WITHOUT MY WRITTEN INSTRUCTIONS.
Complaint sub-issue: Delay in processing application

Every time I fill out the application it sends me back to the beginning
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the item listed below still remains on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXXXXXX XXXX )
Complaint sub-issue: Information belongs to someone else

Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX  XXXX
Complaint sub-issue: Keep getting calls about my loan

My loans were DISCHARGED in XX/XX/XXXX. I have the IRS FORM XXXX that shows " Cancellation of Debt '' in full ... Nelnet has now, in XX/XX/XXXX, been harassing me over 20 times now ( phone harassment, email and mail ) wanting payment on a debt that was DISCHARGED.
Complaint sub-issue: Debt was result of identity theft

My issue with this debt I believe began in XXXX when I discovered via a credit report that XXXX XXXX XXXX accounts had been started in my name using an address I was no longer living at. I have never had a XXXX XXXX plan and have always been on an XXXX XXXX XXXX family plan with my parents and siblings since I was a teenager. That plan is under my parents ' name and I have never had another cell phone that was not on their plan. 

At some point around this time I also received a call from a debt collector ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ) trying to collect on this / these account ( s ). When I discovered all this I tried to report ID theft on the XXXX XXXX website, but it said I needed a police report in order to start the ID theft process. When I went to a police station and tried to submit a police report I was told I needed a paper copy of one of my bills that had the account number on it. But as far as I know I had never received any bill because the address used to open the accounts was one I was no longer living in at the time the accounts were apparently opened. 

Subsequently as I was going back and forth between XXXX, debt collector and police department, I saw that on my credit report the debt and the accounts associated with it had disappeared, and there were no outstanding debts listed as being associated with my name or my credit report. Although I had not successfully filed a police report I took this to mean that somehow the companies involved had understood that it was fraudulent debt, and I stopped receiving any contact about the debt from collections. 

However a few years later I once again received contact about what is apparently the same debt from a different debt collector ( JEFFERSON CAPITAL SYSTEMS LLC, XXXX XXXX XXXX, XXXX XXXX, MN XXXX ). I first received contact from them via phone on XX/XX/XXXX but I believe they may possibly also have tried to contact me at my parents ' residence via mailmy parents subsequently forwarded several bills to me from the debt collector. The bills I have on hand are dated XX/XX/XXXX and XX/XX/XXXX but they have sent several others as well. At this point I am once again attempting to navigate the process of disputing the debt and having it removed from my credit report.
Complaint sub-issue: Can't use card to make purchases

I was affected by the Covid-19 Pandemic 2020 and I called Discover to discuss covid-19 payment options. Discover offered me a program to split my payments into {$150.00} per month until the balance was paid being that I was affected by Covid-19. I did not know my credit limit would be frozen once I started the covid payment program. I paid the balance off to {$0.00} but my available credit line is still not available. I have had no late payments since I completed the covid payment program.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed and complained to credit bureaus for quite some time the most recent being XXXX of this year of which you investigated. The credit bureaus have waged a war and apparently flagged my social security number. Consumer facing credit reporting agencies such as XXXX XXXX, Equifax have presented a much higher score number to me than what the bank credit pulls have produced. In some cases the points reported have swung as much as 150 points lower on bank pulls. Recently I have been denied approval on several loan products and I'm also now being asked to present deposits for cell phones with cell carriers I've been associated with and have had good payment history. I have repeatedly asked for the credit bureaus to send me how they have investigated each negative account on my report and they have NEVER provided that information. In fact I have had accounts that have been paid off in the past and they report them as delinquent and past due. It's long past time to delete the negative information on my credit bureaus they have been given over 3 YEARS to do the right thing and they refuse but instead they wage a war against me social security number to keep me in credit prison. I'm determined now to do whatever it takes to restore my good name with the good credit deserved. The bureaus are failing to hold up their end of the deal and tarnishing my good name. Please update and delete this incorrect information at once. You sources and your information in vastly inaccurate and incorrect.
Complaint sub-issue: Their investigation did not fix an error on your report

I wrote to the company to inform them that the inquiries in question were fraudulent and needed to be removed. Instead I was either not answered or sent notices that they had no proof of the inquiry even being put on my credit report. They never provided any proof that I was the one who ran my credit. 

The date is now XX/XX/2021, I have been contacting the following company for the past 3 months to no avail. someone was trying to get credit in my name as well as loans to do god knows what. They failed to assist and I am now filing a complaint. 

XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

There are currently 9 inaccurate late payments reported on my credit for multiple loans which have all been reported on my credit reporting/affected my credit score. These negative reports were for supposed late payments on XX/XX/XXXX and XX/XX/XXXX. I was enrolled in a XXXX XXXX  program from XX/XX/XXXX until XX/XX/XXXX and thus my payments were deferred. I have attempted to rectify the issue with the lender multiple times ( at least 5 ) in XXXX and there was no resolution. I submitted proof of enrollment as well as what is reported on my credit report and they said the information was accurate with no explanation as to why or acknowledgement that I was in fact enrolled XXXX from XX/XX/XXXX until XX/XX/XXXX. Before XXXX  school, I had never missed a payment.
Complaint sub-issue: Their investigation did not fix an error on your report

I was involved in an auto accident with my son in 2021. When they officers arrived they call the XXXX when the XXXX arrived I declined service and they left. The other driver was sited to be at fault .y now reasoning for writing you all is because XXXX XXXX XXXX XXXX is now reporting collections on my credit report when they should be trying to collect payment from XXXX XXXX XXXX Department XXXX the one who called ) or the at faults party insurance and not from me. Please delete the 2 collection accounts from my credit report. Attached is the police report.
Complaint sub-issue: Reporting company used your report improperly

They have been selling my information, which is not their place. They have also been able to furnish my credit score for me without my consent. Which is against the law according to the congressional findings 15USC 1681 ( b ) ( 2 ). They've assumed the responsibility. According to the congressional findings, under the law 15 USC 1681 ( a ) ( 3 ), congress made it clear that they have assumed this role. Also under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again i have never given them permission nor have I instructed them to furnish or create any of the things on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I sent a certified letter to XXXX and XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX about 3 accounts on their reports to validate and to update my personal information Back in XX/XX/2022 in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. XXXX very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. XXXX XXXX XXXXXXXX Account # XXXX charge off date XX/XX/2022 XXXX XXXX Accout # XXXX charge off date XX/XX/2022 XXXX  XXXX  partial account # XXXX Charge off date XX/XX/2022 However I wasnt notified of the status being updated from being charged off to being active again.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions