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

XXXX XXXX AUTO XXXX / 30 DAYS LATE IN XX/XX/XXXX AND XXXX XXXX AS WELL AS 90 DAYS LATE IN XX/XX/XXXX. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Inadequate help over the phone

Contacted ERC XXXX/XXXX/2017 to request information on Account # XXXX which is showing on my credit report. The account has a {$0.00} balance and is showing PAID to this collection action. This company has no record of this account. I am requesting this account and history information removed from my credit history, all XXXX agencies. Thank you.
Complaint sub-issue: Old information reappears or never goes away

child support showed up on my credit report. This was incorrect in the first place because I was on XXXX from XX/XX/XXXX-XX/XX/XXXX so they were not legally able to even go after me for child support at the time. 
Anyway. Eventually they closed the case as paid because they couldn't go after me in the first place, I was never subject to the debt. 
Not only should this not be on my report in the first place, but now it is really really old and still shows. 
it is on XXXX, Equifax  ( though Equifax says its from XX/XX/XXXX when I wasn't even born yet. ) and XXXX. 
It is just showing under " closed accounts '' but it reflects badly as it shows I wasn't paying and its very clear what it is for which reflects badly on me personally as well.
Complaint sub-issue: Having problems with customer service

Issue : Payment Status Details : Claim filed with government for insured portion of balance on loan on XX/XX/XXXX The date is incorrect. It should be : XX/XX/XXXX not XX/XX/XXXX 

Details : All NELNET accounts contain some kind of errors above are XXXX simple ones. ( see attached document ) After multiple disputes with all XXXX credit report agencies, NELNET keeps updating my credit report with a new current date as the date a " claim filed with government for insured portion of balance on loan '' which is not true. I had {$0.00} XXXX XXXX XXXX balance on these accounts since XX/XX/XXXX
Complaint sub-issue: Problem with customer service

On XX/XX/XXXX I emailed Firstmark customer service and asked them to define the " credit worthy '' conditions to have a cosigner removed from my private student loans. Firstmark who services 5 of my private student loans formally through XXXX XXXX responded by email stating " We regret that we are unable to provide that information. You may complete and return a cosigner release application and it will be reviewed and an approval or denial letter will be sent. '' By not providing consumers with the parameters with which Firstmark determines a person credit worthy leaves the door wide open for Firstmark to deny every application to remove a cosigner. They can literally say that a person with a XXXX XXXX XXXX does not meet their criteria in order to keep as many people on the hook for this type of debt. This needs to be addressed immediately. It's horrible enough that student loans are subject to unfair bankruptcy standards, but to allow loan servicers to withhold information to release a cosigner should be considered criminal. Please help me resolve this issue. 

*Side note : All payments to Firstmark have been made in full and on time since the repayment period started in XXXX The cosigners are my elderly parents in their XXXX XXXX XXXX XXXX  's respectively.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.
Complaint sub-issue: Personal information incorrect

This is a problem with equifax. In 2016, they had me listed as deceased on my credit report. I called and spoke with someone in 2016 and provided them with current bills in my name, copy of my current driver 's license and address. I did think it was resolved. The last four years I have been improving my credit score, slowly but surely. This past XXXX, after applying for a XXXX XXXX credit card, I was declined due to " one or more of the applicants are listed as deceased ''. I don't know what else to do or how to go about correcting this. Can you help and guide me as to what steps I need to do since nothing worked back in 2016. Thank you.
Complaint sub-issue: Reporting company used your report improperly

This complaint is in regards to the 2017 Equifax data breach. Equifax mishandled my personally identifiable information, putting me at risk for identity theft because of poor and/or non-existent security protocols. Because of this, I 've had to put fraud alerts on my accounts and am adding security freezes to my credit reports with every reporting agency. At a minimum, this data breach is costing me {$60.00} because Equifax did n't manage their data securely. If my identity is stolen the damages will exponentially increase. Equifax should be held liable for security freezing fees put in place due to this breach. Additionally, Equifax 's identity theft monitoring service is un-useable due to the binding arbitration clause, which waives my right to take legal action against them.
Complaint sub-issue: Information belongs to someone else

I mailed a dispute letter on XX/XX/2019 along with my ID Theft Report, and Police report, disputing inaccurate information found on my consumer credit report which was delivered to the company on XX/XX/19 per my USPS tracking receipt. As of today, XX/XX/2019, it has been more than 30 days, and I have not received any investigation results from my dispute of these erroneous items on my consumer credit report, and they still currently remain on my credit file. Therefore, in accordance with s.1629e ( 8 ) of the debt  collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete these inquiries from my credit reports, and send me a copy of the updated report as soon as it has been completed.
Complaint sub-issue: Debt was result of identity theft

I am writing to file a complaint against Hunter Warfield Collection Agency who has failed to investigate a fraudulent account before adding it to my credit reports. I have disputed this account at least 5 times with no changes. They have added an account to all ( 3 ) credit  bureaus and even after sending proof of police reports and identity theft via fax, email and certified mail, they have failed to remove them from my credit reports. This account it totaling over {$10000.00} in apartment damages. 

I have been a victim of identity theft since XXXX when someone used my identity to file a fraudulent income tax. I have also lost a wallet containing all of my personal information back in XXXX which seems to have resulted in the tax identity theft. Due to all of this, I have been forced to file bankruptcy twice the past 5 years due to items showing on my credit report. 

I am requesting that this agency investigate this matter and correct this as soon as possible as ASAP as this is hurting my ability to obtain employment and/or maintain a good credit history.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX recently reported 9 medical bills on my credit report. Prior to their appearance on my credit report, I did not receive a notice of right to dispute for any of the 9 bills.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX I contacted XXXX my student loan servicer to apply for my SCRA Benefits a service member to deferrer my student loans because I was on XXXX XXXX I was approved and my student loans that are currently open where deferred and the close student loans from XXXX where updated. This was sent all three credit Bureaus on XX/XX/XXXX XXXX. my XXXX  and XXXX Credit reports where updated correctly however my Equifax credit report was not, only the open accounts where corrected but not the closed accounts. I contact XXXX made them aware of the error they sent it an correction to Equifax Twice and my account was not updated to no delinquency or past due form XX/XX/XXXX until XX/XX/XXXX. I contacted Equifax on numerous occasion and have not gotten this resolved. Attached are email correspondence between myself and XXXX and Credit reports showing that my account was updated correctly on XXXX and XXXX but not Equifax also I have a letter from XXXX from when that last time they sent an update to all the credit Bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a collection on my report from XXXX, an account that is still open and active. XXXX continues to collect payments from me every month for internet service, but never thought to apply those payments to my supposedly past due balance. I was also told by XXXX that the collection account will stay on my credit report for 7 years from the day the collection agency decided to report the account instead of the 1st day of delinquency. I was not living at the address XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX during the time the services were being charged and had moved to XXXX, AZ ( XXXX ). I have attached a transcript from my communication with XXXX stating that only the credit bureau would have the authority to remove this account from my credit report and they are not sure why I would be told they can not do it. When I spoke with Equifax I was told that only the reporting Collection Agency could request to remove the account. When I spoke with XXXX XXXX ( the collection agency ), they told me that only XXXX would have the authority to request for deletion and XXXX stated the the account was not reported in error. It actually was reported in error since XXXX never contacted me about the separate bill once they decided to create a new account for me when I moved. XXXX continues to allow me to be a customer even with this XXXX collection on my credit report ( apparently a separate account ), which defeats the purpose of the negative mark on my credit. No information was ever given to me about anything and I had to wait to see this reported on my credit. It took getting a Director of Compliance from the Collections Agency to even give me a full report with the information I requested after several disputes. I don't understand how it is my fault that I was never contacted about the {$200.00} debt and was allowed to continue using services with the same company that reported me to collections. The debt is apparently not in the hands of anyone who can request removal so I am requesting it.
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Information belongs to someone else

THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE. THIS ACCOUNT HAS HINDER MY REPORT AND I WOULD LIKE THIS OFF MY FILE.
Complaint sub-issue: Debt was paid

This debt was settled with a debt consolidation with XXXX in XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX has been notified via multiple attempts to clear this collection from my credit reports. XXXX XXXX continues to harass me with collection notices. The continued collection status has effected me financially with low credit scores, and the inability to refinance my home at a lower interest rate.
Complaint sub-issue: Problem with statement of dispute

The credit reporting agency did receive proper documentation to confirm that the account was mine. When I asked the credit bureau they could not provide me with specific details on how they came to the conclusion that a debt was mine. There were documents bearing my signature, and not other evidence. I am not sure how they can investigate and come to a conclusion without proper documentation.
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 XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a set of headlights from a gentleman in XXXX for {$4800.00} on XX/XX/2020, using my Citi credit card through XXXX. When the lights arrived, one was damaged. I was unable to receive compensation for the damage from the seller, so I disputed half of the amount with Citi. I was awarded the disputed half at {$2400.00} ; however, the remaining {$2400.00} ( the full payment balance ) was also pulled from the vendor by XXXX and never returned to either the vendor nor myself. I have contacted Citi and XXXX at length, and have been told repeatedly by Citi that only half was disputed the half and they have no control over the other half, and by XXXX that the full amount was pulled from the vendor and returned to Citi. Citi needs to work with XXXX to determine where that other half of the money is, because as of right now, 9 months later, neither party has that {$2400.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had a credit card with XXXX XXXX. As my father passed away on XX/XX/2016, I had to travel to XXXX to attend his funeral. I was living in XXXX for 6 months to handle the legal cases regarding the heritage. XXXX XXXX was supposed to send me the e-bills through email because I had enrolled into the electronic statement when I was applying for the credit card. But XXXX XXXX stopped to notify during my travel. I became aware of the unpaid balance when I got back to my home in United States in XX/XX/2016 because I received an overdue notification from them in the mail. As soon as I paid off all the balance, they closed my account. I have made several attempts to contact them to dispute the credit reporting, they did not respond.
Complaint sub-issue: Reporting company used your report improperly

My records seem to be impacted by the latest XXXX breach. I would like someone to address the possibility of identity theft and possible impact on credit. Thank you.
Complaint sub-issue: Debt is not yours

I C SYSTEMS HAD CONTINUED TO REPORT AN UNKNOWN ACCOUNT ON MY CREDIT PROFILE. I DO NOT OWE THIS COMPANY. THIS COMPANY CAN NOT PRESENT A SIGNED AGREEMENT/CONTRACT BETWEEN MYSELF AND THIS COMPANY. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT PROFILES.
Complaint sub-issue: Information belongs to someone else

I notified XXXX  at a local branch that my Account had been skimmed while I was out of town. Unfortunately they still charged me for the transactions. I was recently declared a victim of identity theft because my information had already been compromised. I love trumark but I do feel that they mishandled my checking account by charging me for item I did not purchase as well as fees associated with this occurrence. I previously hadn't has any issues until this recent incident occurred.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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: Debt was result of identity theft

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The Credit Bureaus are reporting inaccurate information on I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank. # XXXX .... {$2.00}... XXXX XXXX # XXXX ... $ XXXX XXXX XXXX XXXX Section XXXX A. XXXX 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: Information belongs to someone else

these accounts don't belong to me. please remove accounts : 1. Identity Theft CBNA/BBY Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CITI Account Number : XXXX This is not mine. 

6. Identity Theft CITI Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.