Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I had to ask Equifax to remove this debt from XXXX XXXX and follow suit of XXXX and XXXX. XXXX  and XXXX both have researched these claims and was unable to " validate '' this debt, Equifax is saying that the debt was " verified ''. I'm asking how were they able to validate this debt when the other two was not. They only send me a letter saying it was " verified '' not " validated ''. 

XXXX XXXX Acc # XXXX {$1000.00} Acc # XXXX {$61.00}
Complaint sub-issue: Account information incorrect

I recently saw a copy of my credit file and was shocked to see the mortgage reporting inaccurately. I was NOT late XXXX or XXXX with XXXX XXXX. 

I also thought due to the cares act if you needed help XXXX it wasn't to show late payments. Why isn't this being followed? My report shows late XX/XX/21, XX/XX/21, XX/XX/21 and I was NEVER late XX/XX/21 and XX/XX/21 Please help get this corrected. I disputed and nothing has happened
Complaint sub-issue: Don't agree with fees charged

XXXX XXXX, 2015 I was told i could get my loan deferred upon summitting my military orders. I received notification that my deferment request was received. Apparently during that time i was still being billed to the wrong address, so i never received anything notification regarding making payment. On XXXX XXXX, 2015 I was told they sent out multiple letters for additional information regarding my deferment but i was never called. Now my credit score has decreased significantly because it shows that I am now delinquent and past due on payments which should have been deferred.
Complaint sub-issue: Received bad information about your loan

Good afternoon, My name is XXXX XXXX, I opened a case with Ombudsman about two years ago ( in XX/XX/XXXX ) in regards to inquiries on my XXXX XXXX and XXXX/Department of Education Loans. During this time, I was provided some incomplete payment details that included an account number that was literally blacked out with a permanent marker, inquiries about payments that were not applied to my accounts ( with my bank statement printed out for proof ), the fact that my Stafford Loan Disbursed balance was showing as a XXXX balance but I was continued to get charged the same amount or more than what I was initially paying on a monthly basis. 

The last email that was sent which was never returned, was on XX/XX/XXXX @ XXXX XXXX. 

I 've seen correspondence in regards to XXXX 's negligence for over charging the consumers and I wanted to make sure that my case was documented as an example. 

For the XXXX/Department of Education payments, my initial balance after my graduation in XX/XX/XXXX was around {$420000.00}, in which I was set up on a payment plan of around $ XXXX monthly being drafted out of my account and Ive never had a late payment since this draft was created. As of today, my loan balance is over {$53000.00} and every time I ask for an itemized statement of events historically ( i.e. how much was paid towards principal, interest, capitalized interest, etc. ) that explains how my disbursements occurred, Im never provided this information in its entirety. I have bank statements to support my claim, but I can never get the holistic balance history for my records. I 've tried contacting the Department of Education locally in the XXXX area for insight, I 've reached out to my Senator via snail mail, and I 've contacted my Lendors multiple times all to no avail. 

I have all of the documentation that was requested from Ombudsman printed out and saved as a PDF document for reference. Also, I have bank statements that shows remittance for each my student loans.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00}
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX of XXXX Oklahoma has verified XXXX information with out a hippa consent letter with my signature on it with out any information owning the debt
Complaint sub-issue: Account information incorrect

responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with non-monetary relief Company 's Response XXXX XXXX XXXX, XXXX  ( XXXX XXXX investigated your complaint. We closed the XXXX account ending in XXXX, ceased all calls and other collection communications regarding the account and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. We believe that no further steps in response to your complaint or follow-up actions are required at this time. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your dispute, we closed the XXXX account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. 

Equifax is still reporting this account which actually was closed
Complaint sub-issue: Account status incorrect

ATG Credit admitted in the last complaint through the CFPB that the is not contractual obligation to pay because myself and ATG Credit does not have any form of a contract. Please read the respond of the attachment. 

Also, the debt was never validated. The ledger ATG Credit claims to show proof is false. Attached is the ledger from ATG Credit and an account history that shows the disbursements from my loan provider. The disbursement highlighted shows a different amount and date than the refund ATG said were provided which is also highlighted on the ledge ATG Credit provided. In order to validate a debt, a contract between the parties must be signed and dated, all details must be correct, and provided through documentation. 


ATG Credit failed to provide any form of any contracts between myself and the company. However, ATG has proceeded to collect on a false debt not owed to them and continues to place negative information on my credit reports for years. Therefore, I am not legally liable to pay any monies to this company. The harassment must stop
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized hard inquiries that were reported as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 

Attempted to dispute inquiries with all XXXX credit bureaus and were coming back as validated when clearly I have not attempted and had no awareness of attempt to open listed accounts above.
Complaint sub-issue: Information belongs to someone else

hello, my name XXXX XXXX and I am a victim of identity thief. I report everything that need to be deleted below and in the attach documents. 

1. XXXX XXXX XXXX ( Collection Account ) Account Number : XXXXXXXX Collection opened : XX/XX/XXXX Amount : {$1700.00} 2. Amerifinancial Solution ( Collection Account ) Account Number : XXXXxx Collection opened : XX/XX/XXXX Amount : {$370.00} 3. XXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Amount : {$3600.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from XXXX, Equifax and XXXX to no avail. I have disputed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with Equifax and XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX with XXXX. I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and XXXX XXXX accounts for increases etc.
Complaint sub-issue: Old information reappears or never goes away

Equifax sent me notification on XX/XX/2020 Confirmation # XXXX That items on my report that I disputed is not reporting on my credit file. I recently checked my report and the item that they stated that isnt reporting on my credits file is still their. They never took it off like they said they did. The item is Company Name : XXXX Account Number XXXX I have the documents of what Equifax sent me via mail that things were taken care. But now I see it wasnt what they stated.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly a balance due of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than what was owed and consequently there should be no outstanding balance due. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

I have reported to the FTC and The XXXX XXXX Sheriff 's Department our Local Police Bureau that I am a victim of True Name Identity Theft. 

This started back in 2014 when I discovered that I had multiple XXXX XXXX XXXX and XXXX Bank accounts opened in my name without my consent or authorization. 

XXXX XXXX  XXXX determined it was internal fraud and sent me letters claiming liability. I reported to XXXX these were not mine, and they did not investigate and I sued them and we settled. 

I have reported to Equifax, XXXX, and XXXX that I am a victim. I have sent police reports. I have sent victim statements. FTC Reports. I have disputed, numerous times. I have called and I hire an attorney to work on this as well. 

I have over 60 inquiries that are not mine. I have done all I can do. My next step is a lawsuit. Not one of these companies has investigated my Identity Theft and yes minimal accounts have been removed AFTER we filed an intent to sue. I need answers and I need them now.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying for over a year, nearly 2 to prove to all three credit bureau 's the information that XXXX continues to report is not accurate. Not only is it not accurate but according to the cares act during COVID the reports should not have even been made. Additionally, I have submitted at least 2 documents to confirm 2 or the 5 late payments reports are not true. I was given an arrangement with XXXX and they lied. I was told in XXXX that if I agreed to a payment arrangement and due to the cares act, missed payments would not be reported. It was not intentional at no time and did not happen. 

This is on going inaccuracies are affecting my life, my credit, and my family. Please someone needs to investigate and have XXXX fix it immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

HELLO, I AM INQUIRING ON THE PREVIOUS INVESTIGATIONS THAT THE CREDIT BUREAUS HAVE PERFORMED. I FEEL LIKE NOTHING HAS BEEN DONE IN THIS CASE .... 

THERE ARE CERTAIN NEGATIVE ACCOUNTS ON MY CREDIT REPORT WHICH HAVE NOT BEEN RESOLVED. THE CORPORATE XXXX XXXX ACCOUNT IS REPORTING FALSE INFORMATION. I WAS NEVER LATE ON ANY OF MY MONTHLY PAYMENT, AS WELL AS I HAVE BEEN A VERY LOYAL CLIENT OF THEIRS FOR YEARS.XXXX XXXX  IS AN ACCOUNT THAT I DO NOT RECOGNIZE, AND I AM NOT LIABLE FOR, THEREFORE EQUIFAX WAS ABLE TO REMOVE THE NEGATIVE INFORMATION PLEASE GIVE ME A REASON WHY EQUIFAX, XXXX  OR XXXX  HAVEN'T BEEN ABLE TO RECTIFY THE INACCURATE, OUTDATED, UNRELIABLE INFORMATION OFF OF MY CREDIT REPORTS. I FEEL AS IF MY CONCERNS ARE BEING DODGED BY THEM AND THIS IS AFFECTING ME IN AN ENORMOUS WAY.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX accounts Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by Equifax through my online account ( sent XX/XX/21 and XXXX. XX/XX/21 ) - IGNORED/NO RESPONSE. The XXXX letter involved account showing multiple inconsistencies. XXXX letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! XXXX letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious Equifax did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process Equifax has not done due diligence... XXXX have now taken it upon themselves to change the status of this account from charged off to open!
Complaint sub-issue: Account status incorrect

I, consumer XXXX is holding XXXX XXXX responsible for reporting unvalidated information to all the consumer reporting agencies on my name. This is fraud and my consumer rights are violated as per 15 USC section 1692d ( 1 ), any alleged unvalidated remarks or debt furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. XXXX XXXX continues to report incorrect information related to untimely payments which are incorrect and should be removed on my consumer reports. I have reached to XXXX numerous times regarding this issue including the consumer reporting agencies but no resolution as of yet. I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.
Complaint sub-issue: Information belongs to someone else

Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 
XXXX make it clear I have a right to XXXX as a federally protected XXXX. Under the FCRA you can't report late payment.
Complaint sub-issue: Information belongs to someone else

I have tired to fix this with the credit bureau, but have not got any where with XXXX, or XXXX, Equifax. I need help Getting through to these guys are like pulling teeth. I have also filed a Police Report Stating the fraud. IN ACCORDANCE WITH THE FAIR CREDIR REPORTER ACT XXXX  THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE RIGHT TO PRIVACY15 USC 1681 SECTION 604 A SECTION 2. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCUNTS WITHOUT MY WRITTEN CONSENT. I HAVE BEEN DOING WITH PROBLEM SINCE I WAS A CHILD, IN XXXX MY REAL FATHER WAS USING MY SSN TO GET BUY DIFFERENT THING IN MY NAME BECAUSE I AM A XXXX. PLEASE HELP ME... THE CREDIT BUREAUS ARE NO HELP I EVEN TRIED TO PAY A CREDIT REPAIR COMPANY TO HELP BUT GOT NO WHERE!!!! PLEASE HELP ME GET THE ITEMS REMOVE FROM MY EQUIFAX : Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX XXXX Account numberXXXX Inquiries XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXXg XXXX XXXX XXXX CT XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

Equifax is reporting my name including the suffix Jr. I have mailed letters, faxed and called for several months. I have sent all requested documents and they continue to not report my name accurately. I have sent government ID, social, etc
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, I sent a letter to Equifax about inacurate information being reported on my credit report. I never received a response from them On XX/XX/XXXX, one of the account that was disputed was deleted from my report due to inaccuracy, however, on XX/XX/XXXX, the same account was added to my report without me receiving a letter informing me of the reinsertion.
Complaint sub-issue: Account terms

I have paid many accounts that are not being reflected on my credit report. my score is not reflecting the positive hard work i have put into my credit standing.
Complaint sub-issue: Debt is not yours

Hey, looking at my credit report on XX/XX/2022 there Is an inaccurate derogatory remark in my collections. I don't know this company. This is fraud. I have no knowledge of any of this or signed any documents with this company.
Complaint sub-issue: Other problem getting your report or credit score

The business falsely claimed to the CFPB under case number XXXX that they attempted to reach me on XX/XX/22 through a specified email address. This IS a lie! The SHADY business never sent me an email. In fact, the business purposely makes it exceptionally difficult for a consumer to obtain a report, in fact, much harder than the XXXX major credit reporting repositories! I am NOW providing this sketchy company as requested, a copy of my Government Driver 's License, and a bill within the last 60 days with my current address. Immediately, send me my complete consumer disclosure report for which I am entitled to!
Complaint sub-issue: Card was charged for something you did not purchase with the card

My Card Was Used in a year and half span for about {$7700.00} dollars. Citi promised to resolve the issue as soon as possible. Citi said it will fix my issue in 4 days I didnt get no conditional credit. My credit Balance is around {$4000.00} and my limit is {$5000.00} but my Available Credit line is {$0.00}. I been a paying customer never late paying over minimum on most of my payments.
Complaint sub-issue: Investigation took more than 30 days

I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response except a confusing statement about not being able to identify me. I sent the same request many others have sent and got responses. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account Number : XXXX 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : XXXX 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

In XX/XX/2020 I had my credit pulled while looking for a mortgage and saw accounts that were a result of Identity theft. These accounts have been reported to the credit bureaus and to date have not been removed. I would like to complain because I am a victim and the companies have yet to remove the information.
Complaint sub-issue: Investigation took more than 30 days

Letters were sent on XX/XX/XXXX to dispute hard inquires on my account for : DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have yet to receive a response back regarding the investigation. Tried calling on XX/XX/XXXX to check on the status of my dispute customer service rep not helpful and would not provide me with the credit files and sources to verify the inquires.