Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

In XX/XX/XXXX I applied for a home loan. My Equifax and XXXX  score were XXXX prior to application. In XXXX they would only increase my score by 1 point in consecutively and not monthly. It shouldve been above XXXX. I have not missed or been late on any debts for 6 years prior. And, the agencies were recommending several credit cards, home mortgage companies and commending me for paying my bills on time for the past 48 months. The reporting agencies dropped my score from XXXX to XXXX. When I attempted to resolve the discrepancies with the agencies, I was literally laughed at and told I needed to pay for my scores. When I said I would not, the Equifax agent said there was nothing else to be done and my scores remained bad. 
I have encountered age and race discrimination : age because Im XXXX ; race because of my skin race- XXXX XXXX XXXX I have suffered retaliation related to my race, and the XXXX XXXX XXXX XXXX. Surely there are laws against these acts against the consumer. Ive worked very hard to be a person of integrity, and having my FICO score drop 172 points because of my skin color is not acceptable. There are others The negative and old accounts are still present and they wont remove them. They thwarted my ability to purchase a home with low interest. There is a fourth agency along with XXXX, Equifax and XXXX  whose name I dont recall, who is reporting information thats more than 20 years old as well. My next step is to hire an attorney and sue the agencies which would annihilate my down payment on a home.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While reviewing my recent credit report, I found several unauthorized inquiries as well as incorrect accounts. I sent a certified letter to Equifax, as well as submitted disputes online asking them to remove the inquiries and both verify and validate the accounts in question. Today I received a letter via mail, explaining that I did not need to give consent for inquiries to be given on my credit history. As these are inquiries that are not associated with any account, I do not agree that any company should be able to request my credit file without my written consent. They still have not provided validation or verification of the debts shown.
Complaint sub-issue: Reporting company used your report improperly

I never gave this company permission to have or create or furnish a report on me. Because of this I have been having a hard time keeping my credit report intact because this company just basically violate my right to privacy and let just about any company place things on my report. I have been a victim of identity theft numerous times and have to do a lot to keep my credit in tact and take literal breaks to XXXX  heal from the damage thats non stop done to me. I have submitted ftc reports and had fraud alerts placed on my account before but now in really tired of it and I demand my privacy and want the following items in the attachment file corrected and removed and I also want a full in dept copy of my credit " file '' reflecting ALL items that are posted that I may or may not know about.
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 : 11 XXXX, XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX XXXX XXXX XXXX XXXX, 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
Complaint sub-issue: Frequent or repeated calls

I have been trying to contact The Bureaus, Inc. for several months about repayment of my debt held by them ; I first attempted to contact them on XX/XX/XXXX, and I got a voicemail which said my call would be returned based on the message I was asked to leave ; my call was never returned. I attempted to call again on XX/XX/XXXX, but was met with the same results. On XX/XX/XXXX, I called a third time, again got a voicemail and left a message ; this time, someone returned my call, but I was not able to speak with them at length at that time. We set a time for them to call again the next day, but the call never came. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that The Bureaus, Inc. had sold my debt to them, indicating it was because their attempts to collect on the debt were unsuccessful ; this is false, as I called three times over several months and either no one was willing to speak to me or my calls were not returned as promised.
Complaint sub-issue: Reporting company used your report improperly

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Complaint sub-issue: Didn't receive notice of right to dispute

First off, I'm a partially incapacitated severely autistic adult. A company called XXXX XXXX keeps calling my telephone incessantly. They violated Texas Penal Code 42.07 ( a ) ( 4 ) on XX/XX/2020 by calling me ( from XXXX ) three times in a row in immediate succession. I file a report with the XXXX Police Department and they contacted the company to instruct them to never call this number again, both as a remedy for the criminal harassment and also as a reasonable accommodation request under American 's with Disabilities Act and Texas Human Resources Code 121.003. 

They did not honor this request. Today, XX/XX/2020, they called me again, three times in rapid succession, only this time it was a different telephone number that was offset by XXXX, XXXX. I have asked the XXXX Police Department to criminally charge them for harassment as well as a criminal violation of Texas Human Resources Code 121.004 ( a ). Also after reviewing my call logs, they called me  twice on XX/XX/2020, from XXXX. 

I don't know what their deal is, they incessantly harass me via the telephone, there are many other occasions where they call me only twice in a row. Their communication tactic are abusive, especially for an autistic. 

Furthermore, they are attempting to collect a debt that I do not owe. Additionally, they have not provided written notification about this alleged debt. I checked my credit report the other day and they are defaming me with false statements on my credit report. I have been rejected from stuff due in part to derogatory marks on my credit report. 

Furthermore, my credit report shows they are tacking on penalties, this too is unlawful. I dispute the debt entirely and demand they provide a debt verification letter.
Complaint sub-issue: Personal information incorrect

Problem with EQIFAX I tried to obtain an increase in my credit card on Friday, XX/XX/XXXX, with XXXX XXXX XXXX. They told me that there was a problem with EQUIFAX, so, I called them. First I got someone in some out of the US and could not understand that person, then they transferred me to a person who was suppose to be in the US named XXXX  # XXXX, who asked me some questions so he could open my account-2 things  happened then one was I could not understand him and secondly the answers to the questions were so outdated I never could have answered them being they were not current. An example is my employer in roughly XXXX and now i am retired. So, how would I know they were using data that old? So, after that I spoke to a XXXX  # XXXX, then XXXX # XXXX and a XXXX who would not give out her number-too good for that!! None of them could help [ resolve this situation over the phone!! I tried to file a dispute on line and their website would not allow for this dispute. 
This organization is a JOKE!! and they control MY CREDIT? 
XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record

I spoke with XXXX of the XXXX credit reporting agencies a few times to dispute a chapter XXXX bankruptcy that was filed XX/XX/XXXX and dismissed. From my understanding, a chapter XXXX remain on your credit report for ( XXXX ) years. The credit company tell me it is their policy as the other XXXX credit agencies do not show it as of XX/XX/XXXX that it will stay on your credit report for ( XXXX ) years if it is dismissed and not XXXX and because they are governed by you the CFPB to do it. This is unfortunate and unfair because it was dismissed and converted to a chapter XXXX after I lost my job. The chapter XXXX was XXXX in XX/XX/XXXX and I think this is another way to penalize those who have paid their bills on time and have established very good credit after their misfortune.
Complaint sub-issue: Personal information incorrect

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I switched cell phone companies from XXXX XXXX XXXX to XXXX. 

XXXX told me that if I switch they would pay off what ever I owe to XXXX XXXX XXXX. 

This agreement was not fulfilled on sprints half. I switched carriers and they did nothing. 

I have not received any notifications from XXXX XXXX XXXX stating that this wasnt paid and they didnt tell me that this was going against my credit. 

Now I have a derogatory mark on my credit profile because of this problem.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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: Information belongs to someone else

XXXX XXXX  XXXX is illegally showing on my credit report as an Alleged Debt. This account is fraud and has been wrote off as bad debt by the issuer. This credit account is NOW a INCOME. INCOME IS NOT SUPPOSE TO SHOW ON MY CONSUMER ACCOUNT. THIS IS A {$1000.00} VIOLATION and I will pursuit litigation if this account is not removed.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX XXXX XXXX sent me to this collection agency. I have sent numerous letters and bankruptcy documents to this company that this account was included in my Chapter XXXX Bankruptcy. If this matter is not resolved within 30 days I will notify the bankruptcy court of Wyoming that I.C Systems is illegally trying to collect a debt that was included in the Chapter XXXX bankruptcy I will also file a law suite in the small claims court of XXXX County against both company 's. If this is not resolved by XX/XX/2020 a court case will be filed
Complaint sub-issue: Reporting company used your report improperly

In accordance with the FAIR CREDIT REPORTING ACT, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under USC 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 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. 1681 c. ( 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 crime which antedates the report by more than seven years. agency can not furnish a account without my written instructions.

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: Information belongs to someone else

Equifax is still reporting an account as well as the address in my personal information. That account was supposed to stop reporting for all three credit bureaus Per XXXX XXXX XXXX. I've taken a substantial hit on my credit from this account constantly being reported as a verified item when this account wasn't mine. Now even after it's revealed that it doesn't belong to me it's still reporting and harming my credit. I've attached the previous CFPB claim that I submitted for this account. Attached I've included the XXXX credit reports. ( XX/XX/XXXX to show the fraud account and address reporting with my score of XXXX, XXXX showing my score of XXXX without the fraud account but with the fraud address, XX/XX/XXXX showing my score of XXXX with a reinserted fraud account reporting on my credit report without the name of XXXX XXXX XXXX  showing.
Complaint sub-issue: Reporting company used your report improperly

XXXX, Equifax and XXXX the major consumer reporting agencies is ignoring my letters or claiming they have been verified when i ask for the information to be deleted. The creditors that i have disputed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My rights have been violated per 15 U.S. Code 1681i ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; There was NO NOTICE OF DISPUTE. this is a violation of my rights 15 U.S. Code 1681b In accordance with the written instructions of the consumer to whom it relates.

They do not have written permission to furnish the information about me.

5 U.S.Code 552a and most of all my right to privacy was violated with them publishing this information about me I have tried to dispute this with the consumer reporting agencies as well as the persons supplying the information to no avail.

These people are crooks and are only doing what is in their best interest which is a conflict against mines.
Complaint sub-issue: Information belongs to someone else

I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I XXXX not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.
Complaint sub-issue: Was not notified of investigation status or results

Hello my name is XXXX XXXX and I sent a dispute letter to Equifax on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Complaint sub-issue: Account status incorrect

On my credit report the credit bureaus reporting charge offs and late payments which I paid to delete but comes back verified. This is hurting my credit score which I am rebuilding.
Complaint sub-issue: Account status incorrect

Had a dispute with Sears credit about a delinquent account when I closed the account and had pay off balance months prior. They claimed it was open when, in fact, it was closed. Its the only thing that could affect my score. Since the. My score dropped over 100 points.
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX I received an email ( included ) that may account had been closed and I owed {$8.00} in overdraft fees. I immediately sent a cashiers check to the address included in the email ( Citibank N.A.Bank by Mail XXXX XXXX XXXX. XXXX, MO XXXX ). I waited 10 business days and called to confirm the check was received. According to customer service, it was not. In the weeks to come I called countless times and spent SEVERAL hours on the phone with Citi Customer Service while they tried to locate the check for {$8.00} to resolve my account. I was told the check was never found. Then in XXXX I worked with my bank ( XXXX ) and they confirmed the check was cashed on XX/XX/XXXX ( Ive included proof of the cashiers check being cashed by LOSS REPORTING ). 

At this point, Im not sure why I was never told my account was in good standing by the customer service team, since the check was cashed in XXXX. 

Then on XX/XX/XXXX, I received a letter ( included ) that the check for {$8.00} was available at a branch in XXXX XXXX and that my account was given an auto credit. At this point, I assumed all the phone calls trying to locate the check were not necessary and that my account was cleared of the overdraft charged. 

Then on XX/XX/XXXX, I received TWO letters ( included ). The first letter dated XX/XX/XXXX is the exact same letter as the XX/XX/XXXX letter and explains the check is available at the XXXX XXXX branch and the account was given an auto credit. The second letter dated XX/XX/XXXX is stating the check has not been located and is requesting proof of the payment.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions., 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 an account without my written instructions.
Complaint sub-issue: Other problem

Dear Sir/Madam, I am contacting your bank in regards to your practices. Citigroup had wrongfully accused XXXX XXXX XXXX XXXX as a conspirator to steal from his father by making purchases by using his charge card. XXXX XXXX did not even have access to XXXX XXXX 's card and has severe XXXX. Your bank has damaged XXXX XXXX 's well-being by forwarding his information to the XXXX XXXX Police Department. Our federal agency is not inclined to release any evidence against your bank. If Citigroup wishes to see the emails, it must contact XXXX XXXX XXXX. Citigroup must write an apology letter to XXXX XXXX XXXX XXXX for accusing him for committing fraud. Citi must also notify the police and reverse all charges against XXXX XXXX XXXX XXXX. It is not illegal for a father to pay his son 's bills, especially because he has a XXXX. XXXX XXXX XXXX XXXX is a model citizen and is an ambitious college student. He did not have any credit or any liabilities. If Citi creates further problems for XXXX XXXX 's family, we will file an enforcement suit against your company. We have also advised XXXX XXXX to close his card if any further problems were to occur with your company. Furthermore, Citi must welcome XXXX XXXX XXXX into a banking relationship with the company as a compensation for the damages he suffered. We appreciate your cooperation in regards to this matter. 
Sincerely, XXXX XXXX XXXX Senior Advocate XXXX NJ CONSUMER AFFAIRS FRAUD DIVISION
Complaint sub-issue: Account status incorrect

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : + Equifax : o XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} o XXXX XXXXXXXX Balance : {$26.00} o XXXX XXXX XXXXXXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXXXXXX Balance : {$0.00} Equifax : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX  XXXX Balance : {$26.00} o XXXX - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Problem getting my free annual report

Good Afternoon, After I entered all the information and pass the XXXX multiple choice questions, Equifax and XXXX did not allow me to see or print my credit report via online!. 
I did receive the XXXX Credit Report. 
Thank you. 
XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00}