Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute to XX/XX/XXXX, XX/XX/XXXX, and Equifax on XXXX.It 's been over 45 days and I have yet to hear back from then. Both XX/XX/XXXX and Equifax are in violation due to not responding back in time. I'm highly demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Complaint sub-issue: Reporting company used your report improperly

According to the Equifax website for determining if I am part of the major personal information breech reported on XXXX XXXX, XXXX XXXX https : /XXXX ), I am believed to be at risk and my personal information has been compromised. 

A data breech on this scale is utterly irresponsible and totally unacceptable.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, Company Inquiries : XXXX   XXXX XXXX  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 information incorrect

1. XXXX  Account : XXXX : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/XXXX. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information.

2. XXXX Account : XXXX  : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/XXXX. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information.

3. XXXX Account : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information.

4. XXXX  Account : XXXX  : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information.

5. XXXX XXXX XXXX XXXX  : XXXX  : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information.

6. XXXX XXXXXXXX : XXXX  : Creditor is reporting incorrect invormation on the report. Debt amount is under {$20000.00}.

7. Creditwise, XXXX XXXX, XXXX, Equifax : Each are under-reporting my on-time payments currently at 99 %. This specific reporting has a very high impact on my credit score.

8. Creditwise, XXXX XXXX, XXXX, Equifax : Each are over-reporting my credit use, currently at 5 %. This specific reporting has a very high impact on my credit score.

9. Creditwise, XXXX XXXX, XXXX, Equifax : Each are under reporting my available credit.

10. Creditwise, XXXX XXXX, XXXX, Equifax : Each are not reporting my XXXX XXXX XXXX XXXX  Account with an available balance of {$4000.00}.

11. Creditwise, XXXX XXXX, XXXX, Equifax : Each are improperly reporting a Chapter XXXX   Bankruptcy which was dismissed and filed nearly 8 years ago. THis should be removed.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I went to my bank to apply for the Paycheck Protection Program offered by the government to pay my employees. On XX/XX/2020 I was denied because of negative remarks on my credit profile. After going over my credit report with my banker I found accounts that never belong to me. I never authorized these accounts to be opened in my name nor did I receive any type of money or benefits from them. There is also a bankruptcy under public records that does not belong to me. I have never filed bankruptcy and have never been in a position where I needed to file bankruptcy. I tried calling the bankruptcy courts to resolve this matter but have not received any response. On top of all these accounts someone has been running my credit as there are multiple auto loan and credit card inquiries. I did not authorize any of these inquiries. Please help me resolve this issue.
Complaint sub-issue: Add-on products and services

Got this XXXX XXXX card for my daughter to use XXXX  vacations and allowances we are going on vacation she has saved money foe months now I'm trying to transfer it from my account to her card what the XXXX
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I contacted sezzle to let them know that my bank account link for payment had experienced Fraud on it and that I would need to adjust payment made to sezzle until this fraud case was resolved. On XX/XX/XXXX XXXX let sezzle know again with screenshots of conversation with my bank of the error and issues. Sezzle did not respond and continued to draw payments up until one finally failed on XX/XX/XXXX. On XX/XX/XXXX they sent me an email saying that my concern was to complex and they would send me to a higher up. And push all due dates back by two weeks. This did not happen Sezzle continued to draw bi-weekly payments out till XX/XX/XXXX. On XX/XX/XXXX a month after being sent to a higher up, I finally received a response that was not to my question at all. It pretty much said I couldn't make a purchase because I hadn't paid the account in full. I responded back multiple times on the XXXX. On XX/XX/XXXX I was told all payments would be pushed back by 4 weeks. I was also told if I needed additional assistance to reach back out to sezzle. On XX/XX/XXXX I was sent a notice that sezzle would be reporting my late payments to the credit bureau although they had just agreed to push all payment dates back. On XX/XX/XXXX I reached back out to Sezzle because I had been told previous late fees would be reversed on the account due to their delay in response and the financial issue. No late fees were reversed on any of the accounts. I also asked Sezzle for a list of all balances due and when these would be processing so I could inform the bank and keep detailed track of what was processing when. Sezzle did not respond. I reached back out on XX/XX/XXXX. Sezzle did not respond. Sezzle has continue to take bi-weekly payments out on the account. Yet it seems none of the purchase which are broken into 4 bi-weekly payments have been paid in full yet. I have yet to recieve any clear detail of what has been paid to what accounts and how much left is due. The two week push back nor did the four week push back go into effect and none of the late fees were reversed by this company. Now on XX/XX/XXXX Sezzle has reported to the credit bureaus that I am 90 days delinquent on the account and 90 past due which is just not possible if all factors were applied. If they expended all pay dates by 6 weeks in accordance with our multiple conversations. Then I could not be more than 2 weeks behind on any one account. It also does not explain the multiple payments that have come out of my account since XXXX complaint. I have paid Sezzle {$970.00} since XXXX XXXX. According to their app I still owe them {$480.00}. Although I can not see payments full amounts that was paid to any one account. It seems things were taken at random and applied and in no order. some payments were skipped over and then applied the next one. In my attached documents folder you will see multiple emails between me and Sezzle and agreements that were made.
Complaint sub-issue: Didn't receive notice of right to dispute

I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX XXXX XXXX FL/ {$1000.00} / XX/XX/2022
Complaint sub-issue: Information belongs to someone else

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Equifax did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the account ( Original Creditor : )  XXXX asap
Complaint sub-issue: Reporting company used your report improperly

Improper use of credit reporting; Credit ran without consent.

Creditors Name:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have sent in an Identity Theft report to the Credit Bureau, regarding Fraudulent accounts that are reporting on my Credit file due to identity theft. This has been going on for too long! The credit bureau refuses to remove these accounts. I have requested on several attempts for them to please sent me their METHOD of how this investigation is coming back as verified? I have not received any documentation, signatures nor ID on file. I have sent in several disputes by mail and online with the attached Identity theft reports and they refuse to further investigation and remove the accounts. I did not open these accounts and they refuse to remove these. from my understanding by law once I have turned in this Police/ Identity theft report, they are automatically supposed to remove those Fraudulent accounts. I am demanding that you CFPB, have the credit bureau remove & Block these accounts from my credit file. I will seek Legal action under the FCRA act will be taken in place and I will have my legal counsel to begin the process of suing.
Complaint sub-issue: Personal information incorrect

I received my credit report from XXXX this morning and found some things into the report that I had no knowledge of. Yes last XXXX I received a letter form XXXX XXXX XXXX that I maybe one of 14 million that was in the problem of the credit bureau being breached then.

From the looks of it they were right I have addresses that I never lived at and the misspelling of my last name as well as some one tried to get credit in my name as well. 

Now I am seeing addresses that I never lived before. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single family house XXXX XXXX XXXX Address identification number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single Family XXXX XXXX XXXX Address ID Number XXXX These places I have never lived before. And I never used my son 's name o co apply with me on anything now that is a fraud because his name has been used for different things as well.So that is wrong too, now the spelling of my name is wrong as well over Name identification number XXXX XXXX this is not my name at all. If your going to fraud by using some one else name spell it right. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX ( XXXX ) XXXX So what XXXX XXXX XXXX told me was true. I have companies calling and telling me that I have to renew the house and car warranty when I do not even own one. I have checked my own back ground check and find that thee are a million XXXX XXXX XXXX 's because it is a common name. I just happen to be one of them. I do feel that I was a victim of ID Theft because to find these tings on my credit report is hindering me from advancing to do better for myself and family. I am trying to get a small business loan now and can not get it because of all of these things on my credit report. It makes me look bad hen I am trying to clean things up and not owe anyone at all. 
these things I did not know about until today
Complaint sub-issue: Reporting company used your report improperly

LexisNexis did not receive my written consent to collect or share my nonpublic information and consumer transactions and experiences. LexisNexis continues to violate my federally protected consumer right to privacy. Please see attached.
Complaint sub-issue: Frequent or repeated calls

I have been receiving phone calls about 5 per day all of them have a representative that gives me their name then demands that I verify information before they will give me any information. Today XXXX2017 I had to ask the representative twice before the representative said she was from ERC an accounts receivable company but would not tell me what company she was trying to collect with. I told her to mail me info to whatever address they had on file. I refused to give my personal information to them because I do not know who this company is or what they want since they refuse to tell me why they are calling. I want the calls to stop. If I owe money I want something in writing that I can dispute but I wo n't verify anything or give any info to a company that does not identify who they are and why they are calling. ERC is harnessing me and trying to get info under false pretenses by not telling me who they are and what they want.
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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX  XXXX Balance : {$1000.00}.
Complaint sub-issue: Didn't receive notice of right to dispute

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX account # XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Received bad information about your loan

When my loan was serviced by XXXX XXXX, I received bad information on student loan repayment. I was advised to put the loan into forbearance while working at the US Census Bureau as a statistician in Washington DC. My IBR would have been XXXX for that year but the lender recommended forbearance. Those 12 payments never happened at the census bureau and I lost a year of eligibility for PSLF. The year was XX/XX/XXXX to XX/XX/XXXX. The prior tax year I received no income as a graduate student.
Complaint sub-issue: Their investigation did not fix an error on your report

MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT.UPON REALIZING OUR IDENTITY WAS STOLEN AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES, WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE THEFTS, NOTIFIED ALL THE APPROPRIATE CREDITORS, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE BIRTH OF OUR CHILD AS WELL. I HAVE NOTIFIED CREDIT REPORTING AGENCY EQUIFAX AND XXXX NUMEROUS TIMES VIA FAX AND CERTIFIED MAIL WITH RETURN RECEIPT. EQUIFAX AND XXXX  HAS REFUSED TO HONOR ALL OF MY EVIDENCE, OFFICIAL IDENTITY THEFT POLICE REPORTS, FTC IDENTITY THEFT REPORT, NOTARIZED OFFICIAL AFFIDAVITS AND OTHER SIGNIFICANT PROOF OF THIS CRIME. I HAVE EXHAUSTED ALL MY EFORTS IN RESOLVING THIS PROBLEM. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS ALL THESE FRAUDULENT ACCOUNTS BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized credit inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nd XXXX The date is XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hi my name is XXXX XXXX. On XXXX XXXX, 2017 I did purchase 5 items from bonton.com website ( The XXXX XXXX XXXX XXXX ). I have never receive email from them about order delivery. Couple of days after I did called them to receive some information about my order. They told me that my order was delivered. I was wondered because I never receive anything from them. During that call they did not try to resolve my problem and advise me to dispute charges with my bank. I did like they said and dispute the charges {$450.00} with my bank ( Discover Bank ) that I paid to XXXX. Bank opened two cases and. First case number is XXXX for {$200.00} and second case number is XXXX for {$240.00}. After some time they told me that XXXX provided delivery proofs. I explained that delivery printout is not a proof that I did receive my items, because proper delivery proof will be that me or somebody in my household will sign and took the package. Bank submit my dispute again. I did request from Discover the proofs that was provided by XXXX. They did not send me anything. I did called them again and requested proofs again. After second request I did receive mail from Discover dated XXXX XXXX, 2017 that they closing my dispute because XXXX provided same delivery printouts. I called Discover by explaining again what is proof and what is not. During that calls they told me that XXXX deliver the order after that I did figure it out that XXXX gave package to USPS. I did called USPS to know where is my order. USPS opened a case by number XXXX. In XXXX XXXX, 2017 I did receive official email from USPS ( Sender was XXXX XXXX ) with their apologies for their bad service ( they left my package in unsecured place ). The building does not have cameras and front door it is open building and everybody can access. I did send that USPS official email by Fax to Discover on XXXX XXXX, 2017, because they told me that they will reopen my dispute if I will provide additional materials about the claim. Email from USPS was a big proof of that I did not receive my order. They ignored my proof saying that it will not help and because XXXX is a bigger client for them than I, they will return my credit to XXXX. After that I called XXXX and did provide that USPS email to them and asked that one of their supervisors contact me with a phone, but nobody contact me. After couple days I did called them again they assure me that there is no way to transfer my call to a supervisor and one of their supervisors will call me. Nothing. Seven days ago I did found email from XXXX in my Spam folder. I saw that somebody from XXXX by name XXXX Friday wrote me an email with their tactics ignoring their fault of my lose. I had nothing to do that to file a claim with CFPB because I spent a lot of my time and health by trying to return my lose and did everything like they told me.
Complaint sub-issue: Right to dispute notice not received

JVS Group based in XXXX, Texas continues to violate the Fair Debt Collection Practices Act ( FDCPA ) .They continue to report an erroneous collection on my credit report ( XXXX ) and continue to fail to communicate with me after 3 attempts to notify them by US Mail. They are in clear violation of Statue 809, validation of debts. 

I have requested to furinish the name and address of the Original Creditor in all XXXX instances and all XXXX are now over 30 days without any response or communication. Additionally, I also disputed directly this erroneous trade line with XXXX only to come back as being " verified '' when in fact JVS as not supplied XXXX or myself what I requested within 30 days of the law. 

Additionally, this erroneous collection trade-in appeared without JVS giving myself any warning nor any opportunity to notify me that I have the right to dispute any debt. 

Additionally, they are also violating the Texas Debt Collections Act State Statue 392.304 number 4. 

Not only have they not communicated with me within the 30 days allowed by law, they have never notified me once nor within 30 days after request by mail, who the original creditor, amount owed is. 

As of Tuesday XXXX, XXXX, 2016, I have also file a complaint with the Federal Trade Commission and the Attorney General Office here in Texas. 

I have consulted with an Attorney and will file both a State and Federal lawsuit if this erroneous collection trade-line does not get removed from my credit file by close of business XXXX XXXX, 2016. At minimum, either myself or my attorney must have a AUD showing the deleting of this erroneous collection trade-in. 

Please let it be know that this also has caused massive financial harm which is another violation of not only the FDCPA but also the Fair Credit Reporting Act ( FCRA ). 

They have been warned and will be receiving complaints from addition regulatory agencies. 

Respectfully, XXXX XXXX XXXX