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

I have been disputing a bankruptcy # XXXX on my Equifax CREDIT REPORT CASE # XXXX for the last 2 years every month, Equifax claimed to have verified this bankruptcy on XX/XX/2022 by XXXX and claimed this bankruptcy was reported by XXXX on XX/XX/2022, how is this possible, XXXX informed me that I do not have any bankruptcies on my PUBLIC FILE, XXXX also informed me that Equifax has not contacted the XXXX company about a bankruptcy on my public record file, so where did Equifax get this information of a bankruptcy that Equifax is shown on my credit report, they also didnt get it from the clerk of courts, Equifax has been caught in a lie about a investigation
Complaint sub-issue: Debt is not mine

constant robocalls from company called ERC ( Enhanced Recovery Co. ) on XXXX XXXX XXXX. 
I do not have any outstanding Debts, and have made sure that I am always on top of or in touch with any agency I have owed money too. 
The fact the only leave a 'robot ' message and do not say who the debt is liable by, is extremely suspicious and seems that they have picked my number from the previous person the number was assigned to.
Complaint sub-issue: Information is incorrect

In XX/XX/2019 a company that already had my information did an unauthorized credit inquiry and Equifax failed to remove it confirmation : XXXX They even have my my name and address wrong that is some horrible credit bureau.
Complaint sub-issue: Investigation took more than 30 days

Hi, I have been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, Law states they are supposed to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/21 - Bill pay used to pay Best Buy Credit Card. Payment = {$2000.00}. Overpaid by {$1600.00} causing credit balance. 
XX/XX/21 - Called and requested a refund of credit balance. I was advised it would be processed within 7-10 days. 
XX/XX/21 - Received letter dated XX/XX/21. Letter stated " name on the payment for {$2000.00} does not match the primary or authorized user on the account ... .we need you to provide us with the name that appears on this payment. '' XX/XX/21 - Called customer service and verified the name of my wife, whom I hold the joint checking account used for the bill payment. Customer service advised refund would be processed within 7-10 days. 
XX/XX/21 - Received letter dated XX/XX/21. Letter stated " we need to speak with you at your earliest convenience. Additional information is required. '' XX/XX/21 - Called customer service and verified my wifes name again, checking account number and routing number used for bill payment. I was advised refund of credit balance would be processed within 7-10 days. 
XX/XX/21 - Called customer service to check status. After escalating call to an " Account Manager '', I was advised the refund could not be processed because I was not named on the bill payment. Possibly need a copy of my banks ACH transmittal ( front and back ). When I questioned the possibility of my bank providing this, I was told perhaps a voided check showing both of our names on the payment account would work, and to shorten the timeline, I could file a transaction dispute online to submit documents of proof electronically through their website. 
XX/XX/21 - Filed transaction dispute online and attached voided check, which included account and routing numbers for bill pay, as well as my and my wifes names on check. Also, I attached screenshots ( from online banking used to pay the bill ) that showed the bill pay details, amount, date, and standard electronic transfer confirmation number. 
XX/XX/21 - Checked online for status of transaction dispute. Complaint was " closed '' and asked for " proof of payment such as a copy of other credit card statement or check/money order [ both sides ] used for payment. Include your name and Account Number on the documents. '' My Best Buy Credit Card - From Citi continues to ask for name and account information from the bill payment. I have provided it at every request only to be denied a refund for the same reasons. I am not sure what else to do from here and need some help. 

Thank you, XXXX
Complaint sub-issue: Account status

XXXX XXXX, XXXX XXXX XXXX report of negative information about a 2008 loan That was paid and account closed. They continue to report it in collections/charged-off XXXX of XXXX even pulled my Credit Report this month without my consent. It has ruined my credit to the point I have not been able to buy a car, home or rent an apt in my name. It is all very damaging and extremely unfair. I work hard and always pay my bills and taxes. Do companies have a right to put me in this kind of hardship causing me to be considered a credit risk?
Complaint sub-issue: Information belongs to someone else

XX/XX/2021 RE : FRAUDULENT INFORMATION ON CREDIT REPORT I have filed multiple disputes with Equifax regarding this fraudulent address and want it removed. 
I checked my credit report via the Equifax site on XX/XX/2021 and found that this fraudulent address is still on my report. 

I HAVE NEVER LIVED at the address listed below and dont know anyone who does or ever did. 

Remove this fraudulent address : XXXX XXXX XXXX XXXX, XXXX, MA XXXX Equifax needs to remove this fraudulent address because I am not associated with it in any way and never have been. 

Thank you, XXXX XXXX
Complaint sub-issue: Funds not received from closed account

My husband has a XXXX ( k ) with BOK Financial and passed away in XXXX of 2021. I am attempting to rollover the XXXX ( k ) into an IRA in my name as I need this money to live on. 

On XX/XX/2021 I submitted a Surviving Spouse/Beneficiary Application for Death Benefits along with a death certificate. I was subsequently informed that my grantor trust, of which I am the sole trustee, was named as the primary beneficiary on the account. This is a revocable trust that reports under my social security number. I sent a copy of the trust to BOK Financial and received a letter dated XX/XX/XXXX ( attached ) that denied my request to rollover the XXXX ( k ) as the trust was listed as the beneficiary. I consulted with my estate attorney and contacted BOK Financial on XX/XX/2021 and posed the below questions as advised by my attorney. Please keep in mind that I am the sole trustee of the trust that is listed as primary beneficiary on the XXXX ( k ) : " Do you have a spousal waiver form on file allowing the trust to be the primary beneficiary? If not, under XXXX, the trust can not be the primary beneficiary over me, his wife, in Arizona which is a community property state. ( this was not answered ) Am I individually listed as the contingent beneficiary? If this is the case I would like to begin the process to have the trust, which is effectively me, disclaim its position making me the primary beneficiary ( this was not answered ) The IRS has issued numerous private letter rulings where they allow a spouse to withdraw assets from the trust. Where can I have my attorney forward one of these letters requesting that you allow me to control the XXXX ( k ) and effectuate a rollover, sometimes thought of as an indirect spousal rollover? ( this was not answered ) I was told by the representative that I spoke with that they have met their obligation and will not provide me with any answers. The tax consequences of distributing the XXXX ( k ) as oppose to rolling it over will be devastating to my retirement.
Complaint sub-issue: Account information incorrect

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : CBNA Account # : XXXX I was never late 30 days late in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
Complaint sub-issue: Information belongs to someone else

I had my information hacked and accounts were opened in my name without my authorization. I have filed a police report for fraud and identity theft but its a very small town that i live in and so i only have the incident number. incident # XXXX for identity theft/fraud. XXXX XXXX police. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The companies in question acknowledge the fraud has been filed but say that i still owe the money. I've tried to got the bureaus for help but the company in question has only verified the accounts and not removed them.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$510.00} ; XXXX XXXX XXXX  XXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX {$410.00} ; XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Complaint sub-issue: Problem getting a working replacement card

On XX/XX/XXXX, I noticed that my XXXX XXXX XXXX XXXX XXXX was missing. I called Customer Service at XXXX to report it as such. An agent by the name of XXXX stated that it was being transferred to the Fraud Department for additional verification, but ultimately I was told that it would be sent via regular mail as I didn't need the card immediately. 
On XX/XX/XXXX, the card had still not arrived, so I called Customer Service again and spoke with XXXX. The automated system indicated that they never sent me a new card. She apologized and stated that one would be expedited to me in 24-48 hours. 
On XX/XX/XXXX, when I still had not received my card, I called Customer Service again and spoke with XXXX ( operator ID # XXXX ). She conferred with a supervisor and ultimately notified me that through no fault of my own, my account had been closed ( something I verified through checking my credit report - it was closed on XX/XX/XXXX ). She stated multiple times that it was an error on their part and they would fix it. However, unbelievably, she said that it would take 4-5 business days to approve the reopen request and then they would expedite the new card in 24-48 hours. It is now XX/XX/XXXX, and I still do not have my card. If this is XXXX XXXX XXXX XXXX XXXX 's idea or expedited service, then I would hate to see standard service. At this point, I have wasted an inordinate amount of time, yet it's been over a month and I don't have my card ( an account which I've had for 16 years ). I also have little faith that they will follow through and remove the reference to a closed account from my credit report.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

You and your inaccurate reporting has damaged my livelihood.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the items 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 items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

In XXXX, XXXX and XXXX I cosigned for XXXX student loans for help my son complete his masters. In XXXX I went through a divorce, and in XXXX the after being in forbearance the loans became due. At the time my son had not found a position for employment with his degree and I was in school myself trying to attain an education I could use to provide for me and my XXXX children. My son was unable to make the payments and I was unable to afford the total amount of all XXXX loans ( the total is just under XXXX a month ). I have fallen behind on the payments several times and have reached out to Sallie Mae several times after repeatedly receiving harassing letters, emails and phone calls threatening me if I did not become current. I have pleaded with Sallie Mae to try and work with me but have been denied each time stating that " I do not make enough money to qualify for any of the programs they have available to reduce my payments ''. I continue to struggle doing as much as I can but it is never enough and the harassment continues. My son, has a full time position and is now married but Sallie Mae does not attempt to reach out to him since they have realized my son does not care about his credit score since he has his wife 's credit to be able to obtain whatever they may need. I on the other hand, have nobody but me. I even tried to apply to consolidate the loans with another company but was denied unless I could find a cosigner. I am not in any way trying to get out of my financial obligation, I am just trying to get Sallie Mae to work with me to get the payments where I can afford them.
Complaint sub-issue: Account status incorrect

From XXXX I had a residential mortgage with XXXX which I was informed is under the control of XXXX Bank. This account was transferred to another lender in XXXX before XXXX Bank took over. In XXXX, XXXX, the mortgage was reported as 30 days late to each of the 3 major credit reporting agencies. When I reached out to file a dispute to have this item removed after XXXX, XXXX ( 7 years from the date of the first delinquency ), XXXX changed the reporting to show it as a positive account, committing blatant fraud in their reporting rather than removing this item as requested. Each time I've reached out to XXXX to discuss this account, I am continually being told they have no information on the account, either under my name, social or the account number, yet they respond to any disputes filed by the credit bureaus, informing them that their reporting is correct, when in fact it is not. For months I have continually tried to get this account removed from my credit file, only to be told that the information being reported by XXXX is correct, thus allowing XXXX to continue to commit fraud by changing information on this account from negative to positive, avoiding the Statute for time limitations and not reporting accurate information. I am seeking assistance to have this item removed for the blatantly fraudulent information they are reporting and for their failure to respond to me as a consumer to challenge the accuracy of their information.
Complaint sub-issue: Information belongs to someone else

Both names on my Equifax report are incorrect
Complaint sub-issue: Information is missing that should be on the report

I 've contacted equifax and XXXX and XXXX on the status on my student loans my student loans are were discharged the XXXX XXXX XXXX XXXX. the companies deleted my student loans completely. the are supposed to show payed and closed and a XXXX balance on my credit reports I would like for the them to reflect this matter! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX both of these accounts had payment history on them which is effecting my score to be able to obtain a housing loan. I would like for it to be fixed and resolved I called the company and they were not very helpful in this matter at all. I was told that it could not be corrected or added back to my credit reports. I do have some positive credit history on those accounts
Complaint sub-issue: Threatened to sue you for very old debt

The Company in question 'Northland Group ' had a rep named XXXX XXXX ' leave a voicemail on my work phone stating they were contacting me regarding delivering legal documents out to my home and place of employment. They left a case number XXXX ' for reference and ended the message that I have now been 'notified ' as if this was some sort of legally binding notification. I promptly called the company back at XXXX per their voicemail. I asked for additional information, i.e. who is their client and what debt is this and from when? They claim I took out a payday loan in 2005 which I 'm not aware of. In any event, it 's well past the standard statute of limitations. I suspect this company has bought a list of old debt or this is a scam. Either way, they are going after a debt illegally and threatening to sue if I do n't make due on the debt.
Complaint sub-issue: Account information incorrect

Equifax shows a unnamed account on my credit report for XXXX there is NO NAME no phone number no company provided with NO OWNERSHIP see photo attached ive tried to contact Equifax and was hung up twice and disconnected twice, ive disputed the info on their website with no success. 

this is fraud at its finest, not to mention the unprofessionalism on Equifax part.
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX 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 more then 29 times nonstop this is exhausting 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name
Complaint sub-issue: Trouble using the card to spend money in a store or online

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX nevada XXXX dollars its credited but took the fee for rush the card and the card still not validated. I been send the document several time. XXXX, XXXX, XXXXXX/XX/XXXXand XX/XX/2020, agent us bank reliacard told me send again its say 5 business day. But already disputed and credited to my bank card but I can not use my fund. Ok, 6 send selfie and driver licence and XX/XX/XXXX send again say two business day will take the block on the card. Up to present and I had letter girl fraud investigation that the error is been fix and the case close. The company is usbank reliacard PA. Unemployment. Please need help Thanks.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to my previous CFPB complaint that I submitted to the Credit Bureaus. I sent a letter on XX/XX/XXXX, requesting to the Credit Bureaus to remove the accounts, inquiries, and personal information that are UNKNOWN to me. I came across the Federal law and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints # XXXX, # XXXX, and # XXXX, I am including these fraud items once again. If it is not too much to ask, please remove the following accounts and information as soon as possible from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I have contacted XXXX and XXXX XXXX XXXX. They have informed me that they have reported the accounts as closed and the accounts should be deleted month ago. I have called the credit reporting agencies. The only thing that has occurred is extension of investigation, despite additional information not being received. They have also granted me letters stating that they have deleted the accounts, however the accounts are still showing up on reports as unpaid collections. 

Additionally, I have submitted online documents showing that XXXX XXXX is reporting innacurately reporting a lease break. I provided documents showing the Contemplated Lease signed as part of the application process. I provided Lease Disclosure on Page 52. that states that this Contemplated Lease is not approved until the Manager signs it. The manager has not approved or signed it. I withdrew my application prior to approval. The manager ignored my withdrawal and charged me with a lease break. 

I provided 1 ) Contemplated Lease ( mandatory-part of application for apartment XX/XX/2018 2 ) Email- The email withdrawing application XX/XX/2018 3 ) Invalid Lease ( See time stamp on last page-Manager signed online XX/XX/2018