Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

I am a XXXX-year old auto accident victim, residing in an olds folks home in New Jersey. On XX/XX/XXXX, Nelnet granted me TPD for my loan and since then I have been unemployed. I am living on Social Security Retirement pay  of $ XXXX monthly which pays my rent and bills. Neltnet reinstated my Loan and wants me to pay the discharged Loan with my retirement income. On XX/XX/XXXX I faxed the complaint along with the necessary evidence required to support my grievances.. If the fax is not received, please contact me to resend it immediately. 

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

My identity/ personal information was stolen and used to fraudulently open several accounts. I have spent the an enormous amount of time contacting the 3 credit bureaus to dispute the in accurate information to no avail. Im asking you to help me get my life back. 

XXXX-EQUIFAX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  {$500.00} XXXX XXXX XXXXXXXX. {$100.00} XXXX XXXX. {$5100.00} DEPT OF EDXXXX XXXX {$7900.00} DEPT OF EDXXXX {$5500.00} XXXX XXXX XXXXXXXX {$200.00} XXXX XXXX  {$9900.00} XXXX XXXX  {$5400.00} XXXX XXXX  {$0.00} XXXX XXXX {$0.00} XXXX XXXX$0.00} XXXX XXXXXXXX XXXX {$0.00} BANKRUPTCY XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX {$350.00} XXXX XXXX {$480.00} XXXXXXXX XXXX XXXXXXXX {$930.00} XXXX XXXX XXXX {$3300.00}
Complaint sub-issue: Problem with personal statement of dispute

I purchased my home on XXXX XXXX is my first home, and I have been struggling to understand this bank and my payment status. I am not clear on why my mortgage payments are reporting late on my credit report. I have contacted the Bank OZK mortgage department numerus times, and were told that my payments were current, but when I receive the statements in the mail its always show a balance, a pass due balance. In the beginning of my loan issues, I was talking with XXXX XXXX ( Mortgage Loan Originator ) He was very helpful in the beginning and he made it clear that it was an error on their part, and for me not to worry, they will correct it .I am sad to say no correction is made till this day. I have not spoken to XXXX since, he will not return my calls, so I was transferred to someone by the name of XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXXXXXX ) she was pleasant to talk to but doesn't have a clue of what's going on. It's so frustrating. I am working two jobs and it is hard for me to keep calling this bank to inquire about this matter. My credit report is showing eight 30 day late, which is not true. Something is wrong, and it's not fair to me. I can not refinance because of this false information, and no one is trying to correct it. It is a nightmare to me and I will like to wake up.
Complaint sub-issue: Account information incorrect

The companies in this complaint are illegally reporting inaccurate information on my credit report.
Complaint sub-issue: Can't close your account

There was a fraudulent charge made on the account. I closed the account on XX/XX/XXXX and received a confirmation via email that the account was closed. However, the account does not appear to be closed because another fraudulent charge was made in XX/XX/XXXX. I have informed the company multiple times and each time they send my request to a Security Department but they seem unable to fix the issue and close the account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018, XXXX XXXX pulled my credit and apparently gave permission to a third party, XXXX XXXX XXXX, to pull my credit on the same day ... which resulted in two credit pulls on the same day ... which I didn't authorize.
Complaint sub-issue: Information belongs to someone else

I am making this report on behalf of myself, the consumer, with no connection to a third party. I have repeatedly tried to contact and resolve this issue with EQUIFAX, itself but I am continually being violated. I have filed an identity theft report on two accounts, one with XXXX, and the other with XXXX XXXX. They have refused to delete this fraudulent information after several attempts by me to remove it. I have sent an affidavit of truth stating the violations they have done against me. They have refused to respond and therefore the affidavit stands as truth in commerce. I am writing this complaint to the CFPB because this company refuses to comply with my lawful demands. The failure to remove these fraudulent accounts has caused me intense emotional stress and harm. I have not been able to apply for any credit due to these wrongdoings and have been kept up late at night thinking about how my financial future. Please comply and stop violating me.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME ALMOST IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT AS A RESULT OF THIS.I 'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted all three Credit Reporting Agencies regarding the inaccurate information they were posting on my Consumer Report. They did not provide me the information requested, physical validation of the late payment on my XXXX  XXXX account, as well as XXXX XXXX. In accordance with 15 USC 1681i, the procedure in the case of disputed accuracy, the account/negative information should be removed off of my consumer credit report within 5 days of receiving the dispute, pending the outcome of the re-investigation. This was not done, which backs my argument that the Credit Reporting Agencies never investigate my claims from the first dispute letter I sent. In addition, pursuant to 15 USC 1666b, there is no such thing as a late payment, so how is it that they are reporting something to my credit that the Federal Law said does not exists, that is fraud. Pursuant to 1692g, I am supposed to notified 5 days before anything is added to my credit report, that was not done either. These are just a few of the violations that the agencies committed against me..
Complaint sub-issue: Other problem getting your report or credit score

I was a victim of identity theft. This occurred XX/XX/2019 and was resolved XX/XX/2019, with the fraudulent account being removed with zero negative accounts and no collections on my credit report. Although the negative account was removed my score does reflect this and dropped my credit score to the present XXXX. 

The discrepancy of the score is due to Equifax 's consumer side which has failed to update despite the creditors properly updating the accounts. Equifax 's consumer side is a month behind. As a result, Equifax has as of XX/XX/2019 failed to properly recalculate my score. I should have a score XXXX or greater. 

I have been waiting patiently for my score to recalculate. It has been 10 months. However, I can not wait any longer. My small company needs capital in order to survive and the banks will not issue loans or credit based upon the present score.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and Equifax are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I have talked with their staff and they told me they would remove the late payment posted on my account.I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 16 inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1.XXXX, XX/XX/XXXX 2.XXXX XXXX, XX/XX/XXXX 3. XXXX- card service, XX/XX/XXXX 4.XXXX XXXX, XX/XX/XXXX 5.XXXX XXXX XXXX, XX/XX/XXXX 6.XXXX XXXX  XXXX, XX/XX/XXXX 7.XXXX  XXXX, XXXX, XX/XX/XXXX 8.XXXX  XXXX, XX/XX/XXXX 9.XXXX XXXX, XXXX XXXX 10.XXXX XXXX  XXXX, XX/XX/XXXX 11.XXXX , XX/XX/XXXX 12.XXXX XXXX , XX/XX/XXXX 13.XXXX XXXX XXXX, XX/XX/XXXX 14.XXXX  XXXX ga, XX/XX/XXXX 15.XXXX XXXX, XX/XX/XXXX 16.XXXX XXXX XXXX service, XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter.
Complaint sub-issue: Account status incorrect

I've paid all accounts in full and its listed on report as closed also my credit score has not changed in 3 months or more I contacted them several times but it still doesn't change credit karma is not reporting correctly
Complaint sub-issue: Was not notified of investigation status or results

I already sent a complaint here that I sent a dispute letter asking for verifiable proof of the accounts on my credit report. And I sent a follow up letter because I did not get a response to the original dispute. I don't know if someone is playing games with me or what, but you responded back that you don't believe it's me sending the complaint. Well it is me, and my complaint is that XXXX is the date of my original dispute, XXXX is the date of my follow up letter because I didn't get any response from you regarding the dispute of these accounts XXXX XXXX-acct XXXX and XXXX- acct XXXX. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been well over the time allowed according to the codes and laws so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you are causing me. I have included my dispute letters, a utility bill, my drivers license, and my social security card to make sure you know that this is me filing these disputes and complaints. Also, my information was impacted by the equifax data breach and probably the wrong person got a hold of my info.
Complaint sub-issue: Investigation took more than 30 days

This company has taken longer than the 30 days required by law to remove false information from my consumer report. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX XXXX is not reporting properly to the credit bureaus AGAIN! My back credit dashboard alerted to this to me that XXXX XXXX XXXX is not reporting the account type which is suppose to be. XXXX XXXX- is maliciously reporting incomplete data regarding then two medical debts that are reporting. 

According to the fair credit reporting act, furnisher a list report complete, fair, and accurate data or they are to be removed- this is multiple times that I have had to report this!
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, Equifax mixed my file with another person similar to mine and they refuse to fix this. 

I have a rental collection from XXXX XXXX XXXX which has been disputed over and over and comes back as verified? 

XXXX XXXX XXXX has never sent me proper validation either. I demand this account be deleted from Equifax immediately per the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX inaccurately reported a late payment of 30 days for XX/XX/2022 on my credit reports. I disputed the late payment with XXXX and XXXX. The disputes resulted in XXXX XXXX updating to reflect paid on time with all 3 bureaus to include Equifax. In XXXX however, both XXXX and Equifax again inaccurately reported the late payment. XXXX reported it again as 30 days late and Equifax reported it as 60 days late this time with both being inaccurate. XXXX still shows the account as never late although it is now closed which is accurate. I disputed the items again with both XXXX and Equifax using information furnished to Equifax from the creditor themselves that shows {$0.00} past due in the month of XXXX as well as no activity indicator of any payments past due. Both Equifax and XXXX still refuse to update my credit report accordingly. I requested a copy of the information furnished to XXXX in response to my dispute regarding the late payment reported and a representative explained to me they don't get involved or ask for any proof. They only ask the company to verify whether or not is true and if the company says it is verified they will not remove it. 

I filed a complaint with the CFPB which is now closed. XXXX stated they updated the account in the conclusion however nothing has been updated. They stated they removed a name which they did not and that does not address the issue that I have. I have the payment history report that XXXX XXXX furnished to the credit bureaus which shows amount past due for the reported late payment as {$0.00} because there were no amount past due. There also is no activity indicator of a late payment on the payment history report that XXXX XXXX provided. XXXX refuses to update my credit report according to the payment history report provided from XXXX XXXX which I forwarded over to XXXX.
Complaint sub-issue: Account status incorrect

I applied for a citi bank credit card and it was denied saying past or current delinquent account. I looked at my XXXX  credit Report and I didnt see any delinquency or public record and they telling me XXXX provided it. I am confused because thats not the case I have no delinquency.
Complaint sub-issue: Account status incorrect

I have sent everything certified mail as well. 

This is all for Account name : XXXX XXXX XXXX XXXX 
Account number : XXXX. 
Your agency is in clear violation of the FCRA law under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : a ) In general- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. FCRA 15 US Code 1681a- Rules of construction : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE the account above from my consumer report, this agency is in violation of 15 USC 1681a Failure to respond with deletion of the above referenced account, and send out a free copy of my updated report after the changes have been made will result in legal action being taken against your company, for which I will be seeking {$1000.00} per violation for : 1. Deformation of Character. 2. Neglect meant enablement of identity fraud. 3. Fair debit collection practices act 15 USC falsifying violations 4. Fair credit reporting act 15 US C 1681n violations for Civil liability for willful noncompliance
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. I have sent multiple disputes to remove these hard inquires they are fraudulent and I want to get them removed. 

XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022
Complaint sub-issue: Reporting company used your report improperly

I would like to state that XXXX and XXXX is in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave XXXX or XXXX written consent to report anything on my consumer report. No consent is identity theft. These items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow XXXX or XXXX to furnish a report for me. I would like to state that pursuant to 15 U.S.Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX and XXXX allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If XXXX and XXXX wants to continue doing business with me they should delete these inaccuracies from my consumer report.
Complaint sub-issue: Information belongs to someone else

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open are open. lease remove these accounts from my report as soon as possible. They do not belong to me. XXXX {$470.00} XXXX XXXX XXXX XXXX {$220.00}
Complaint sub-issue: Account information incorrect

This account has been removed and has now reappeared on my credit report. This case has been more the 10 years This student loan company has reported multiple student loan and amounts that I never recieved. The school has been shut down due to fraudulent activities. Nelnet has continually reported increasing interest and shown multiple loans and amounts on my XXXX and my XXXX credit report. while my case is a part of a lawsuit against the school that is in pending to be removed.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regard to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I looked at my credit report and noticed a total of XXXX credit inquiries, i never authorized the hard inquiries and was told several time by both dealerships that there would not be a hard pull on my credit. this was on the XXXX of XXXX. i told them several times do not run my credit hard pull without my permission and they did it anyways. I also had a similar problem on the XXXX  of XXXX from XXXX XXXX XXXX where they ran my credit countless times without my permission.
Complaint sub-issue: Threatened or suggested your credit would be damaged

This Third party Debt collector agency XXXX XXXX has bought my personal information or was given my personal information WITHOUT my consent! I do not owe this company, never had dealings with this company what so ever. This is a violation under the FDCPA as I didnt give permission for XXXX XXXX to sell my personal information. This is a form of identity theft.
Complaint sub-issue: Problem with personal statement of dispute

This company failed to provide proof of debt I asked them to cease collection activities until proof of debt is received.. They have failed to provide the requested information which caused my credit score to drop 35 on XXXX XXXX!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Home Depot-CITI card number* was used to make a purchase. I received a message on my phone asking if I had made the purchase ; obviously CITI realized there was an issue. I responded no and they said it would be taken care of. My bill, however, still showed the charge. They assured me that sometimes it takes awhile to be removed. Eventually, there was another charge, and the same scenario played out. This time though, the charge was against the new card number* they just sent me, that I hadn't used at all. 
*Both purchases were made on the card number in my name, however, the cards were in my possession. It appears the fraud was from within CITI itself. 
I contacted the 3 credit reporting agencies to freeze my credit and was contacted by a rep from XXXX ; she made a 3-way call to XXXX-CITI who agreed to investigate. They sent me a letter confirming this XX/XX/22. On XX/XX/22 I received a letter stating they confirmed the charges were fraudulent and would be removed from my account, including any interest, etc. In XXXX, CITI sent my account to collections and negatively affected my credit, first, by XXXX pts, then XXXX pts in XXXX. CITI refuses to speak to me and has blocked my acct.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : CALL XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I did not giving Equifax consent to furnish accounts on my consumer report, Equifax is invading my right to privacy, and they are not adhering to 15 USC 1681a ( 3 & 4 ) and 15USC 1681B2.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act XXXX 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 a account without my written instructions