Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Used obscene, profane, or other abusive language

Kickoff Lending LLC on XXXX21 reported a charge off to the credit reporting agencies for an alleged debt they claim I owe. A charge off, pursuant to the IRS is considered income and the company has to file a XXXX and provide me a copy. 
As it is unlawful to furnish income on a consumer report and tax fraud to still attempt to collect on a charge off. These actions are contributing to the injuries and damages of the obscene and profane language of spreading of inaccurate, unfounded information and damaging my reputation.
Complaint sub-issue: Information belongs to someone else

Equifax was notified that I was a victim of identity theft. Equifax has taken no steps to resolve the identity theft. They continue to avoid assisting and continue to allow fraudulent information on my equifax report. Equifax refuses to block the fraudulent information that resulted from this identity theft even though they have not followed consumer regulations. They continue to have a fraudulent address on my credit file also yet send me letters in respond to my complaints stating they cant locate my credit file. Because of the wrong address. I have a credit file I can view it myself. I want Equifax to block the fraudulent accounts that I have not authorized that were opened using my stolen identity. These accounts include an Auto Loan From XXXX XXXX XXXX XXXX XXXX, a credit card from XXXX XXXX XXXX XXXX, a line of credit from XXXX XXXX XXXX XXXX XXXX. A secured loan from XXXX XXXX XXXX, a Credit card from XXXX XXXX XXXX, and An Account from XXXX XXXX, A XXXX Account, Fraudulent. A fraudulent XXXX  account credit card. These are all fraudulent. I did not authorize these accounts and Equifax is the only one authorizing these accounts to be added to my file from my stolen identity.
Complaint sub-issue: Account information incorrect

I mailed a letter requesting for XXXX  to validate the debt they are reporting as a charge off and they have not replied to my mail..
Complaint sub-issue: Other problem getting your report or credit score

On or about XXXX XX/XX/2020 I started the pre-approval process with XXXX for a mortgage however, they informed me that when they attempted to access my Equifax credit report, they received error code XXXX and advised me to contact Equifax to resolve the issue. I contacted Equifax and they were unable to verify my information and advised to fax my drivers license, social security card, most recent utility bill, and a cover letter to the following fax number : XXXX and that it would take 5-7 business days to update my information. 

On XXXX XX/XX/2020, I sent the requested documents. I waited 5 days before contacting Equifax telephonically, to verify receipt of my document. They had not received it. I contacted a representative again after 7 days from the fax date and they still had not received my documents. I faxed my documents again on XXXX XX/XX/2020. Simultaneously to sending the first fax, I also went to XXXX and attempted to create an account and received error code " NH '' upon entering my information. I attempted to enter a different variety of previous addresses, in case they didn't have the most current information on my account. Every time, I received the same error code. 

I spoke with two Equifax representatives on XXXX XXXX 2020, 10 business days after my initial fax and they still had not processed my documents nor could they provide me with any information regarding my account. They suggested I didn't have a credit history during the phone call, at which point I reviewed my lenders over the prior decade as provided from my XXXX report. I provide 4 previous addresses I'd lived at. The representatives each recommended that I fax in the documents I'd already faxed in. I informed them that I'd already done that twice. They said that they hadn't received the documents, despite confirming the number that I'd faxed them to as read off of the fax transmission verification report. 

No representative has been able to confirm what is wrong with my Equifax account or that it even exists. Equifax has failed to process my documents within the timeframe they allotted to have them processed. Equifax is preventing me from applying for a loan.
Complaint sub-issue: Not given enough info to verify debt

I do not have any outstanding balance with University XXXX.
Complaint sub-issue: Debt was result of identity theft

I'm resubmitting from a previous complaint for these reference numbers, since I could not attach documents as a response on the original issue : CFPB Complaint # XXXX Original Creditor : XXXX XXXX XXXX 
Assigned Creditor : XXXX XXXX XXXX. 
Reference Numbers : XXXX -- -- - Original Complaint -- -- - On XX/XX/XXXX, I was a victim of identity theft. The thief made multiple charges on my behalf using my bank information from my bank app and created a XXXX account. They ordered Lyft rides totaling to about {$55.00}. My bank has resolved a couple of the charges. However, on XX/XX/XXXX, XXXX XXXX XXXX collection agency tried to collect for the remaining amount of about {$26.00}. I responded by filing a forgery or identity theft through their online website with the police report attached. They sent a second follow up letter on XX/XX/XXXX stating " no attempt to collect '', but requested for personal identifying and bank information, which I am not comfortable sharing. They provided a fraud and identify theft reference number.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SST/XXXX with account number XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Problem with statement of dispute

I filed a Chapter XXXX bankruptcy on XXXX XXXX, XXXX. I then withdrew the filing on XXXX XXXX, XXXX without prejudice, this was based on legal advise and absolutely no creditors were affected due to XXXX liabilities filed against any creditors. The court on XXXX XXXX, XXXX then dismissed/closed my filing and recorded as such. Now that 7 years have since lapsed since the filing, I was fully expecting this negatives/adverse action to be removed/purged from my credit report as of XXXX XXXX, XXXX. Upon speaking with a supervisor at Equifax , I was told that because I failed to go through with the bankruptcy and have a court appointed trustee oversee my filing, and because the record does not use the word, " discharged '' in the court recording, they refused to remove the negative/adverse action for up to 10 years, not 7 years. I am being penalized for not XXXX my creditors and making full payment to all creditors at the time of withdrawing the bankruptcy complaint, which is totally ridiculous to think that just because I initially filed for bankruptcy, but withdrew it, and made good on my debts, now I have a additional 3 years to be penalized by a credit reporting agency. Therefore I am seeking your assistance in resolving this matter favorably in my case of total dissatisfaction with the credit agencies.
Complaint sub-issue: Debt was result of identity theft

This is the same complaint I submitted with XXXX, which was resolved in my favor and removed from my credit report. 

When transferring leases in XXXX, WV, I forgot to change my mail. I transferred my lease to a man named XXXX XXXX who currently resides in XXXX, OH after failing to pay the rent on the lease, leaving me with the bill. 

XXXX XXXX could not get his own family to be his guarantor, so I stupidly became the guarantor. The form requires a social security number. XXXX XXXX used my information to order more credit cards and add charges to them. 

The location of my apartment was at the XXXX on XXXX XXXX in XXXX, WV. They have records of XXXX acquiring my lease and bailing on his duties as a guarantee.
Complaint sub-issue: Their investigation did not fix an error on your report

Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. 
CHAPTER XXXX BANKRUPTCY : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

PLEASE LOOK AT MY CREDIT REPORT. I HAVE HAD A FREEZE ON ALL 3 CREDIT BUREAUS AND HARD INQUIRIES ARE STILL HAPPENING. IF THE CREDIT COMPANIES DON'T FIX AND CFPB DON'T FIX, WHAT IS MY NEXT STEP. THE HARD INQUIRIES ARE KILLING ME. I RECENTLY ( 1 WEEK AGO ) TOOK THE FREEZES OFF ALL THREE. I RECENTLY HAVER TRIED TO GET A XXXX XXXX  ON BALANCE TRANSFERS BUT DENIED DUE TO HARD INQUIRIES. INITIALLY I HAD THE SAME PROBLEM WITH EQUIFAX, XXXX, AND XXXX. ALL THREE REPORTS HAVE SHOWED I HAVE A SIGNIFICANT AMOUNT OF INQUIRIES. I DISPUTED ALL THREE COMPANIES VIA EMAIL AND PHONE BOTH. WHEN I DISPUTED VIA EMAIL, IT TOOK THEM ONLY 1-3 DAYS TO COMPLETE. PROBLEM WAS, NOTHING WAS FIXED. SO THEN I CALLED TO FIX THE ISSUE ON ALL 3 REPORTS. MY HOLD TIMES WERE UNBELIEVABLE. ANYWHERE FROM 90 MIN TO 3 HOUR HOLD TIMES. NEEDLESS TO SAY, AFTER FINALLY GETTING A HOLD OF SOMEONE, THEY STATED TO PUT A FREEZE ON MY REPORTS. I DID WHAT THEY REQUESTED. AGAIN, THE INQUIRIES ARE STILL ON THERE. I COMPLETED A FRAUD INVESTIGATION WITH ALL 3 COMPANIES AND I STILL HAVE A FREEZE ON ALL THREE COMPANIES AS THEY REQUESTED. THE OVERALL PROBLEM STILL REMAINS WHICH IS I STILL HAVE A UNBELIVABLE AMOUNT OF HARD CREDIT INQUIRIES CAUSING MY SCORE TO BE BELOW XXXX. MY SCORE WILL BE XXXX OR ABOVE IF THE WOULD FIX MY REPORT. THANK YOU FOR YOUR TIME
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX  XXXX Account Number : XXXX 2. XXXX XXXX XXXX  Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax says my personal information got hacked
Complaint sub-issue: Debt was paid

I was diagnosed with XXXX in XX/XX/XXXX. The following year I fell behind on some of my debt. As soon as I was able to function again I contacted all of my creditor including Citibank to explain my situation and brought my account current. this month for the 2nd time they are calling for payment which I show is paid. They are unreasonable and rude and tell me that I did not log into my account to pay although my notes say I did. I am not so broke that I look at my account each day to ensure that payments are made. I deduct them from my balance as soon as I pay them and I note the statement. I am so tired by being treated so rudely by the people that tell me they can see every login and that I am lying and now I owe these additional fees. Keep in mind that if I really had no made the payment as of today I would be only 8 days late. They tried to strongarm me into giving my authorization to charge my credit card before I even had a chance to verify what they were saying. Then when I called in the lady was completely rude and basically told me I was lying because she could not see my log in on XX/XX/XXXX when I noted that I made my XX/XX/XXXX payment. I could have file bankruptcy and not have recovered and went back to work but have had to deal with this type of abuse. it needs to stop.
Complaint sub-issue: Other problem getting your report or credit score

I received a letter in the mail from Lexis Nexis Risk Solutions dated XX/XX/XXXX. 
Titled Colorado XXXX XXXX Notice. 
It said I was receiving the letter because : " [ 1 ] report ( s ) of negative information added to your file. '' I immediately went on their website as instructed in the letter and request a copy of the disclosure report. 

On XX/XX/XXXX I received a letter in the mail stating that they couldn't process my request. 
I emailed them explaining the situation on XX/XX/XXXX, and they responded with a boilerplate email containing information that did not address my concern about what they would need to process my request for the report. I replied to the email on XX/XX/XXXX and received the same boilerplate response again. 

On XXXX I completed the online request again, trying to see if I could decipher what the issue might be with their inability to process my request. I got the same boilerplate letter in response again today. 

I have also tried to call them on the phone and get only a recording that loops over and over again. 

It is as if there are no actual humans working for this credit reporting company. 
They are completely unresponsive and unprofessional.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I discovered a credit bureau report from Ally Bank that I did not authorize.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, I entered a complaint regarding inaccuracies on my credit report regarding student loan reporting. The compliant was closed as " Verified ''. However, there are several Fair Credit Reporting Act violations AES advised that they serviced 2 Federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX XXXX XXXX advised that they serviced 2 federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX On my credit report, there are reportings containing information that is either missing, inaccurate, or inconsistent between the 3 major bureaus. This information is in the following fields : - Balance - Last Activity date - Terms - Scheduled payment - High Balance - Account numbers ( either inaccurate or incomplete ) According to the Fair Credit Reporting Act, in order for information to stay on the credit report, it must be verified, proven, complete, accurate, and consistent with all bureaus. If any of these items aren't met, item must be deleted from credit report.
Complaint sub-issue: Reporting company used your report improperly

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


15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Received bad information about my loan

Citibank sent the cosigner, my mother, a letter demanding full payment of my private Citiassist loan which startled her almost to a state of shock. They claimed after repeated requests I 've failed to make required payment on the loans. Citibank claims the loan charges off after 120 days. I have a past due balance of less than XXXX and paid them a monthly payment less than thirty days prior. When I called and asked why only my cosigner received this letter, the flustered correspondent sent me to an escalation specialist ( # XXXX ) who refused to explain anything and literally only asked when I would like to make a payment for the full due balance and never answered for their dishonest attempt to shake down my mother behind my back.
Complaint sub-issue: Information belongs to someone else

Someone unknown to me has put me on their account as an authorized user, Inwhich I'm asking the credit agencies to remove / block the following accounts immediately. XXXX XXXX, and XXXX XXXX. I have no knowledge of these accounts.
Complaint sub-issue: Funds not handled or disbursed as instructed

I made a check payable to the US Treasury Department on XX/XX/2018. A PNC customer ( named XXXX ) deposited the check into their own account ( it seems to be a business customer ). I have contacted PNC and XXXX and neither have responded despite my 3 times to contact them
Complaint sub-issue: Account terms

All Medical bills Since 2000 are not my responsibility as they were either paid through workman 's comp or through Medicaid and Medicare. They are trying to collect more money than what has been agreed upon through the contracs they have with these agencies. I have receipts from BC/BS ( My HMO or through other HMO 's which is part of Medicare A and B.
Complaint sub-issue: Their investigation did not fix an error on your report

I am having the hardest time trying to deal with Equifax. I have been in contact with them since XX/XX/2020. They have been trying to ignore me and stall this whole situation. XXXX  and XXXX  has removed these accounts because they violated my consumer rights. I demand that Equifax follow the law and to remove these inaccurate accounts from my credit report because they are violating my consumer rights. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit.

Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 

1. XXXX XXXX XXXX 2. DP OF EDUC 3. XXXX 4. XXXX XXXX XXXX 5. XXXX
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Adresses : XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent credit dispute letters to EQUIFAX on XX/XX/XXXX certified. To this day I have not got a response. By Law the credit Bureaus are suppose to respond 30-45 days or items disputed in letter need to be removed because they can not verify them. 

" Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. Please provide the requested information to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX. '' In the letter I sent the INCLUDED ALL account names, numbers, and nature of disputes/concerns. I have a copy of the letter that was sent which included EVERYTHING. By Law the items need to be deleted because it has been more than 45 days. 

All items and accounts listed in the letter sent on XX/XX/2020 need to be deleted immediately.
Complaint sub-issue: Attempted to collect wrong amount

I received a statement from RevSolve Collection Agency onXX/XX/XXXX for {$60.00} in reference to XXXX Urgent Care Services. I emailed then a notice to validate the alleged debt as I was certain I owed them nothing. I received a statement from ResOlve dated XX/XX/XXXXwith a statement stating I owed {$60.00} and a statement validating that my balance to XXXX Urgent Care is XXXX. This is clearly an attempt by RevSolve to extort {$60.00} out of a unsuspecting person.
Complaint sub-issue: Was not notified of investigation status or results

This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 


XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/2016 2016
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I spoke to an Equifax agent in regards to several numerous repeated inquiries that I have not made. I even sent in a dispute online on XXXX XXXX,2017 that is still pending and has not been completed in 2 months. I advised the rep that I have in fact called the creditors and sent out letters 2ith no response. I even advised that one of the creditors on my report sent me a letter and it was addressed to someone else. After being on the phone with her for what I felt was over 30 minutes going through my credit report she stated she had submitted it but the next day I received an email with the same information I had sent to the creditors. I even spoke to one creditor who stated my report has only been pulled once, but showing up numerous times on my credit report.Then now I may have been apart of the data breach and have been hung up the face several times when trying to reach someone to speak to.
Complaint sub-issue: Debt was result of identity theft

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

JEFFERSON CAPITAL SYSTEMS XXXX...
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received alerts and a letter dated XX/XX/2021 that a credit inquiry had been placed on my account regarding a denied request for a credit line increase from XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I did not solicit a credit line increase nor did I provide my information to such XXXX XXXX provider in order to have an inquiry into my credit report. I called the company and was told that it must be an error and I would have to dispute it with the credit agencies for the inquiry to be deleted. 

I hereby solicit that the inquiry be removed for it was not authorized nor did permissible purpose exist in any way for my credit to be affected or revised.
Complaint sub-issue: Was not notified of investigation status or results

Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account in violation.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

On XX/XX/XXXX I filed a complaint XXXX I contested collections under California state code for statue of limitations of 4 years a company response on XX/XX/XXXX XXXX agreed to honor my cease and desest all calls and collections and communications to account XXXX. on XX/XX/XXXX I  received another communication of harrassment from XXXX XXXX XXXX XXXX additional establishment of validity. I request that XXXX be fined under state and federal laws and that I be comperstated for being harassed and for mental pain and distress on a senior citizen. amounts owed from XX/XX/XXXX is non collectable under XXXX code as well as Federal codes. 
Thank You XXXX XXXX