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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Personal information incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Public record information inaccurate

I am disputing the validity of the bankruptcy record your organization has included with my credit report. I have disputed in the past. Additionally, I am unable to properly dispute via your website. 
I request that you provide the method of verification bankruptcy record youve listed on my credit record, please include the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; ( e ) the documentation used to verify ; This is my right under the Fair Credit Reporting Act : FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days or deleted the bankruptcy from my record
Complaint sub-issue: Threatened or suggested your credit would be damaged

Due to the public health emergency, my loan was under deferment until it was paid off in XX/XX/2021. I contacted PNC to find out why they have reported my loan as delinquent for the past 20 months.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantaged of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immedietly remove these items from my report, it has been over 60 days so the items should be deleted promptly. I demanded these accounts be deleted 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 gotten into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I informed EQUIFAX I have become a victim of identity theft. EQUIFAX continues to report fraudulent accounts on my consumer report which has caused me stress, anxiety and defamation of character.
Complaint sub-issue: Information belongs to someone else

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take out the following objects as soon as you can : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX  XXXX Balance Owed : {XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I asked Equifax to remove 3 fraudulent accounts that appear on my credit file. These accounts are now closed but they still are damaging my reputation as a consumer. I have Identified this accounts as follow. 

Account : Account No. Account Status XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX XXXX closed XXXX XXXX XXXX. XXXX closed XXXX XXXX XXXX has removed this accounts from my file within 4 days after I notified them. 
I will ask Equifax for the 2nd time to remove this fraudulent accounts from my credit file. 
by not removing them Equifax is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) (  a ) Block. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 
I have included in my first dispute a copy of XXXX XXXX County Police Department Case Report - XXXX which I am attaching to you as well. In response to my first dispute, Equifax is saying that they need to verify identification I enclosed my Virginia Drivers license and Social Security Card which I am attaching to you now. 

the bottom line is Equifax is giving me the RUN-AROUND and are failing to follow federal law FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) I have identified this fraudulent accounts that must be blocked within 4 days after you have received my complaint. it's being almost a month and you continue to report this accounts in my credit file. 

Please, either provide me with strict proof that this is my account such as a signed application or contract or recorded telephone call or delete the accounts immediately. If you ignore this letter and do not delete the fraudulent account or do not provide strict proof this is my account I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this Matter. 

I have attached the following Documents. 
1st. Dispute Letter to Equifax. 
Equifax response to my dispute XXXX XXXX County Police Department Case Report Virginia Driver 's License and Social Security Card
Complaint sub-issue: Information belongs to someone else

There has been a delinquent XXXX Account on my credit reports for many years. 

I am told that on XX/XX/2015 someone opened a XXXX account using my social security number and a variation on my name -- XXXX XXXX. 
When I dispute this item with the Credit Reporting Agencies their investigations come back with the same answer each time, that it is my debt. 

When I call the reporting agencies they say they can not discuss the debt with me because it is not in my name. I called XXXX XXXX XXXX  ( XXXX ) the agency currently listed as owning the debt and they referred me to another agency, XXXX  ( XXXX ). The representatives at XXXX repeatedly hung up on me saying they could not discuss the delinquent account because it is not in my name. 

This is adversely affecting my credit score and my ability to open new accounts without having to put down a hefty deposit. 

I have never used the name XXXX XXXX. No one in my family has a last name of XXXX and have never used XXXX has a cellular provider. What do I need to do to have this removed from my Credit Reports.
Complaint sub-issue: Information belongs to someone else

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. 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 XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Complaint sub-issue: No notice of investigation status/result

For the past several months, I have been disputing several inaccuracies that are Hsted in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX
Complaint sub-issue: Report provided to employer without your written authorization

The was XX/XX/XXXX the amount is was {$2600.00} the. I was XXXX XXXX XXXX. Every year since XXXX they have been taking my income taxes for years till this day. An then I found out the sold my personal information. I called the Educations department an when I spoke with a young lady she said, she don't have any information for me. An then some company called bout XXXX weeks later .but they were talking so fast till after the said who they were an what they have of mine they hung up on me an I tried so many times to call back the number out of service. They wanted me to put my mom in jail. Cause she signed this for me Department of Education said that to me An it saddened me for them to suggest that.
Complaint sub-issue: Reporting company used your report improperly

I find so many inaccurate information on my credit report which is in violation of FCRA wherein all should be correct and accurate.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX has been trying to collect a debt that I do not owe. I recently checked my credit reports and it seems that it was a XXXX account that I had back XX/XX/XXXX. I had a prepaid account and did not have a contract with XXXX. I stopped using XXXX services XX/XX/XXXX. All phones and equipment was paid in full and cash Back XX/XX/XXXX. Now it shows that I have two accounts with XXXX one where I owe {$190.00} and the other states that I opened the account XX/XX/XXXX and owe {$780.00}. I do not owe any moneys to XXXX or XXXX XXXX XXXX for I never had any contracts and paid all my equipment in full.
Complaint sub-issue: Information is incorrect

On XX/XX/XXXX, I received a notice from my employer, XXXX, that Checkr , Inc. had reported my drivers license as having expired on XX/XX/XXXX. While I did have a license that expired on that date, I renewed my drivers license on XX/XX/XXXX. I filed a dispute with Checkr, including a photo of my updated license in the report, and they launched a reinvestigation. Today, on XX/XX/XXXX, I received another email from Checkr stating that the information is accurate and they are not changing anything. When I reached out to the phone number provided to contact Checkr, I received a recording that stated they are not accepting calls at this time. The false report now remains on my Checkr background check and interferes with my employment.
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed that an account XXXXXXXX was reporting that I was over my limit and behind on payments but I know this was not true so I filed a dispute witjh XXXX regarding this ... in fact I had to call them because I am unable to file a dispute online due to some error I receive trying to logon I have photos of the error. When I spoke with XXXX and explain to them the situation that I have 2 accounts that are simular but different in account numbers and gave that information to them. I then received the results from my dispute saying the information was not changed that it was correct so i called again and this time it was corrected a couple weeks later I checked my credit again and all the same information was back again and is still there now. I am unable to dispute anything with XXXX unless I call them during business hours which is a difficult time for me. I have also tried contacting the creditor with no results. I have another account XXXX/XXXX that is in collection and they are switching the accounts back and forth to try and confuse the situation and I believe they are manipulating my report using these accounts. I am attaching photos of my account in question and other accounts regarded. Thank you
Complaint sub-issue: Account status incorrect

I sent the credit bureas letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XX/XX/2021 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 I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigated these items within 30 days gives reason to immediately remove these 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 Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Old information reappears or never goes away

I am writing to dispute a XXXX XXXX XXXX account in my credit profile. I reached out to all three credit reporting bureaus to rectify this matter amicably. XXXX  is the only agency to remove this account from my credit profile. 
As I have mentioned before this account is not mine. I believe XXXX XXXX  is falsely billing me for merchandise I never purchased. I did have an account with XXXX that was paid in full and closed. Secondly, this account is older than 7 years and showing several different dates ( e.g. open date, delinquency date, etc. ). XXXX  and Equifax is refusing to remove this negative information from my credit profile as well as completing a thorough investigation. I have reached out to both XXXX and XXXX XXXX  to resolve this matter and have constantly been met with misinformation. XXXX XXXX XXXX has shown me that they are not willing to resolve this matter. I have tried reaching out to the original creditor, XXXX XXXX XXXX/XXXX  XXXX, to no avail. I called XXXX XXXX  to verify last day of delinquency and was blindly transferred to XXXX XXXX. The representative stated that she would reach out to XXXX and then give me the information that I requested.
Complaint sub-issue: Didn't receive notice of right to dispute

Enhanced Recovery Comp at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collections notices in the amount of {$630.00}. The collection has been reported as pasted due balance. I don't know this company. Have never done business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Old information reappears or never goes away

Fair Credit Act says that positive / negative accounts should be removed after 7 yrs. if they've been paid off. I have several accounts that show as paid that are now past 7 yrs. I would like these accounts removed from my credit report. They're neither helping or hurting my credit, so pointless for them to be showing any longer. Please remove the below accounts : 1. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3500.00} 2. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$6400.00} 3. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$530.00} 4. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$2200.00} 5. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$1700.00} 6. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$4500.00} 7. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$8400.00} 8. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$16000.00} 9. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$500.00} 10. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$1700.00} 11. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3400.00} 12. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3600.00} 13. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$2700.00} 14. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3300.00} An old inquiry that should've been removed with XXXX done on XX/XX/XXXX. 

There is simply no logical reason for these items to be left on my report creating pages and pages of nonsense to have to sift through. I like my reports up to date. Please remove all 14 of those paid off student loans and the outdated inquiry. Thank you
Complaint sub-issue: Information belongs to someone else

This is my final attempt with trying to settle this dispute with Equifax through the CFPB portal. My next steps are to file litigation and seek monetary compensation for emotional distress & punitive damages ( plus attorney fees ). Equifax has chosen to willfully neglect each written claim I've mailed, and ignore each electronic claim through this portal. I've not received the proper treatment or have the two companies involved operated according the FCRA guidelines. There are inaccuracies on a XXXX report that is attached to my name. I do not recognize the debt, I have never lived at the stated address and have no recollection whatsoever of doing business with this company. I've asked for validation and verification on the behalf of both companies. XXXX sent a copy of a document that falsifies their right to report this account attached to my social security number. I've written Equifax and complained about the issue, all to no avail. This situation has directly effected my livelihood and credit worthiness. I demand for this account the be deleted from my account expeditiously.
Complaint sub-issue: Company closed your account

My account was frozen with no notice or warning. The branch had no explanation and guidance on what to do. I called customer service and they said to go into the branch, I was told corporate would contact me which NO ONE HAS. My money is in there and I am UNABLE to pay my bills to this moment. I was told it would be closed again with no notice from them. Ive only conducted a few small XXXX transactions to family or friends. It is a new account and again no notice of such thing. I am unable to withdraw my money and pay my dues.
Complaint sub-issue: Account status incorrect

The three Credit Report Agencies EQUIFAX, XXXX  and XXXX  lowered my Credit Score recently in the amount 50 to 100 points. This reduction is due to High Balances on my Accounts which is normally legal however there is no evidence that do to these balances my payment history change. The Credit Score is the first thing a Lenders see there are very few if any to look past that score before denying credit. I have made 100 % of payments on time for the past 5 years however I was denied recently by XXXX XXXX XXXX XXXX where I have been a member for 6 years due to this misinformation. It is quite damaging to me as a consumer that affect the quality life of my family. If a Credit Reporting Agency is going to release that type of damaging information a notation should be send to the Lender up front that the Consumers payment history status is still 100 % perfect if there is evidence.
Complaint sub-issue: Information belongs to someone else

The below account doesnt belong to me XXXX XXXX # XXXX AMOUNT {$14000.00}
Complaint sub-issue: Funds not handled or disbursed as instructed

On or about  XXXX   XXXX ,    2017  - I opened a  Citibank  premier checking account with a deposit of $  XXXX  following the correct promotion code. As per the terms - customer is suppose to get {$500.00} as promotional cash to maintain $  XXXX  as daily balance  for 60 consecutive days.I followed all the terms and conditions but still Citi is denying me my hard earned {$500.00}  promotional cash. The reason - i had another account during the last 60 days - but that 's no where mentioned in the Terms and conditions ( printout PDF that i am attaching  ). Essentiall one or the other way - Citi does n't want to let the customers has promotional bonus. My spouse (   XXXX   XXXX  ) few months had the same issue  with Citibank where Citi denied her the promotional cash