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

I am distressed that the reporting agencies are reporting false information. I have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Also On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this Bankruptcy : Discharged CH-XXXX XXXX for months.XXXX and XXXX   have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Complaint sub-issue: Public record information inaccurate

XXXX keeps placing a paid off state tax lien on their site making my scores look bad. This lien was paid off way back when and completely removed back in XXXX XXXX. I have already contacted Equifax repeatedly as I was told that this is the only place they could have attained this information from. Equifax stated they would dispute it again and they then removed it or deleted it once more. They stated their info came from XXXX whom claims there is no lien. This is now the second time this is happening to my credit report without any explanation. The first time was a couple months ago and now again in XXXX XXXX. This needs to be stopped as I can not even tell what is accurate anymore and what is not, even though I know for a fact that the lien is not accurate since I have already had to verify it.
Complaint sub-issue: Personal information

On XXXX XXXX 2015 I noticed that Equifax has an old address as my current address and my current address as an old address. What is more, Equifax lists the incorrect current address ( i.e., my old address ) as being reported with an older date than the correct current address. I tried that day and today via online and telephone to have Equifax switch the XXXX addresses. The wait times for Equifax are inordinately long. The process Equifax wants me to go through to have the correction made because of their incorrect processing of my records is onerous. I am paying Equifax for a credit monitoring system and I am subject to shoddy record keeping and grossly poor customer service. Please have Equifax fix my record -- the record they are n't keeping correctly. Thank you. 

XXXX
Complaint sub-issue: Account status incorrect

I've been denied credit because of this erroneous information, the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX were not paid late.. I monitor my bills and make sure to pay these accounts on time.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was attempting to purchase a car online, and was told ONE inquiry would be ran, and they poured in and did not stop.
Complaint sub-issue: Information belongs to someone else

XXXX card claims I own XXXX but I never opened this account someone was making payments from a XXXX XXXX account but I got a letter from XXXX XXXX stating I never had a account with them If I got This letter XXXX card said they will delete this tradeline as stated on the recording I have also further more I never contact XXXX card for a dispute about XXXX they are violating fcra law which is punishable by {$1000.00} Each violation
Complaint sub-issue: Information belongs to someone else

I checked my XXXX XXXX and noticed that my equifax report had incorrect information that I have been contact them nonstop about and I would like the false items removed because they are not mine nor did I authorize these transactions. 
Collection Agency XXXX XXXX XXXX XXXX XXXX {$1400.00} openedXX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00} Remarks --
Complaint sub-issue: Debt resulted from identity theft

in 2009 in Nevada someone opened up a XXXX Phone in my name, I called XXXX and tried to reason with them, they wanted me to pay over {$800.00} to clear my name. It was to be taken off after it aged out in XXXX..A new collection shows up for XXXX collections in another name ..This is a Debt I have been battling for 7 years and it keeps rising.it is now XXXX $
Complaint sub-issue: Don't agree with fees charged

My Federal Student Loans have been in deferment since XXXX, since that date Great Lakes has shown numerous late payments on my credit report. Since, my loans are in deferment, this should not be possible.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Investigation took more than 30 days

I wrote XXXX  on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.
Complaint sub-issue: Overcharged for something you did purchase with the card

I previously filed a dispute against my Wayfair Credit card for an item I returned and never received a refund for. Meanwhile, I continued to make monthly payments for the item and incurred late fees and interest. I have received notification from Wayfair that the dispute was resolved in my favor, and I was credited for the original purchase. I contacted customer support because, in addition to the credit for the original purchase, I am owed the monthly payments, late fees, and interest I should have never paid for this item. I was told I would receive the additional funds but to date have notes. The current balance of my account is- {$490.00}.
Complaint sub-issue: Debt was paid

XXXX continues to send fraudulent debt charges to a new debt collector. I severed my service after working with their c/s to improve service outages, dropped calls and roaming when I was local. I worked with them by using new phones and repeater antenna. None of their failed solutions were successful so I was released by them from my service. I was not under contract any longer. I returned all phones, and paid my last bill. They are charging me for returned phones and service long after I had ported my phone numbers. I have contacted them, and each of the debt collectors by phone and in writing. They continue to harass and lie about the charges.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX this account was not authorized to added to my credit report due the company they purchased the account from XXXX. I never opened an account with them with my authorized this account when the account was opened. The account was going to address that I am not even associated with at all. Please remove from my all three credit report promptly. I have contact over the phone and via certified mail to have this item removed with no response. I should not be penalized for an account that I never opened in the first place. It annoys me I have to go to these extreme to have this account removed. It seems that these companies should really do all they can not to adversely affect someone's credit unless absolutely necessary.
Complaint sub-issue: Attempted to collect wrong amount

I never use XXXX in my live and i never been. Btw i just get my SSN since 2012 so please please respond me at XXXXXXXXXXXX or call me XXXX to discuss this matter. Ty so much
Complaint sub-issue: Reporting company used your report improperly

I am a victim of identity theft. I have included documentation. The inquiries from this company were not authorized.
Complaint sub-issue: Other problem

Seems that Discovery believes that because I live in Michigan they do not have to follow the XX/XX/XXXX and XX/XX/XXXX federal court orders! I was told by them if I did not pay their illegal charges and their Illegal transfers of funds from one of their cards to the other and back that they would take my home and put me in prison<
Also When I ask about why I was not paid accordant to the XX/XX/XXXX court order that I was not a card holder! BUT now that they are taking me to court for not paying what I do not owe them I am!
Complaint sub-issue: Debt is not mine

I went to the XXXX XXXX in XXXX, TX on XXXX occasions ( XXXX & XXXX 2015 XXXX to receive a set of immunizations. I have been billed and turned over to collections for a charge of {$180.00} that XXXX say that I owe. XXXX has a contract with XXXX, my insurance provider. XXXX has supplied the attached letter to XXXX and I have to the collection agency ( PMAB ) as well. Neither business will honor the letter and are continuing to call and harass me for payment. I have been battling with this issue since XXXX 2015 with no resolution. XXXX is extremely difficult to get in touch with. I had XXXX phone call from the XXXX billing office in XXXX 2015 and it took me leaving an angry voice mail for the billing office to call me back. The lady I spoke with was very rude and had no intention of working out the situation with me. She just kept telling me that I owed the money. 
I have finally gotten a dedicated XXXX supervisor working with me to resolve the situation. She has spoken with XXXX once and they have basically lied to her and told her I was informed that the immunization in question was not covered by my insurance and that I agreed to self-pay. The immunization in question is covered by XXXX, but not the " version '' of the shot they administered to me. They did not tell me that I would have to self-pay, and had they informed me that the immunization was {$180.00}, I would have left without it. No one in their right mind would pay {$180.00} for an immunization! In addition, this is a walk-in clinic and had they wanted me to self-pay, they would have had me pay up front, which they did not. They never mentioned any of this to me. I was not billed until after I returned a second time in early XXXX for the second round of the immunization. It has now been 6 and a half months and yesterday I received an email from XXXX saying that I owe {$380.00}. I believe that they are now charging me more because I have individuals calling on my behalf and they are angry so they have decided to bill me {$180.00} for the additional immunization booster. On top of all of this, I have failed to be fully immunized as I am not going to go back for my third and final round of the immunization because of their deceptive business practices. 
This business has deceptive business practices that I believe is unethical to the client. I do feel that my rights as a patient and a customer have been violated. I have a spotless credit rating and they are bound and determined to keep me in collections and place this against my credit. The collection agency ( PMAB ) who I have have spoken with on many occasions and sent them documentation does not care what XXXX says, they only " work '' for XXXX and will only listen to what they say. I desperately need some help to resolve this issue and hope that you can help me.
Complaint sub-issue: Personal information incorrect

I sent letters and called all three-credit bureau 's on XX/XX/2022 and they have not removed these incorrect notations. According to, 15 USC 1681. I did not give no one written consent to furnish anything on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. Lexisnexis is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deletedXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account name : XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX  : # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX / XXXX 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 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: Personal information

There is an incorrect address listed for me on my credit report. It is the address of my lawyer XXXX XXXX who was my attorney for my XXXX case. The incorrect address that should be removed is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. This is showing on my Equifax report.
Complaint sub-issue: Personal information incorrect

My personal information with all three consumer reporting agencies : XXXX ; XXXX ; Equifax has different varies of my name. They have the Wrong Social Security Number. They have different phone numbers and addresses that is not mine. I want all document information removed and for them to stop reporting inaccurate information
Complaint sub-issue: Debt is not yours

Tries to collect fraudulent debt that is not mine.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act 15 USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness of an accuracy of the list of the accounts below. 

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: Credit inquiries on your report that you don't recognize

XX/XX/XXXX Re : Inquiry I was looking over my credit report and noticed I have an inquiry from your financial institution dated XX/XX/XXXX. Your inquiry is an indication you access my credit profile without my written consent as a result you received benefit for the use of my consumer credit application and was compensated. However, the consumer was denied. Please make note that adverse action against a consumer is against the law according to the Equal Credit Opportunity Credit Act which codified in 15 USC 1691c and Pursuant to liability under 15 USC 1692k.

You are subjected to criminally liability for violating 15 USC 1691 has I have proof that I was discriminated against based off the inquiry date from my consumer report and I received no benefit from your corporation. 
Your financial institution is in violations of 15 USC Code 1642, 15 USC 1681m and 12 C.F.R. 1001 because I, the consumer, made an application in good faith but no credit was granted.

Further, because my social security number ( credit card ) was used and I received NO benefit is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your Financial Institution. The is an act of Aggravated Identity Theft.

If your Financial Institution fails to make reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make your financial instiution criminally and civilly liability for all he actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
You will remove this inquiry from XXXX, XXXX, and XXXX. 
Respectfully, XXXX XXXX XXXX, Agent Without Recourse
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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 a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In Accordance with Fair Credit Reporting act. The listed accounts below has violated my federal proctected 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 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 states a consumer reporting agency can not furnish without my written instruction 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( c ) The term consumer means an individual. 

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for
Complaint sub-issue: Old information reappears or never goes away

Equifax has re-added late payments to my credit report. I contacted equifax about this last year via a dispute, the CFPB, and XXXX. I submitted pages upon pages of documents showing that my student loans were never late. Equifax updated my report and removed these false late payments. But, now they have re-added them to my report fraudulently.
Complaint sub-issue: Information belongs to someone else

I recently noticed incorrect and false information on my credit report. please see attached Ftc report that was filled to remove false wrong information from my credit report as I have also been compromised due to the Equifax data breach. pLEASE remove the public record accounts immediately.
Complaint sub-issue: Information belongs to someone else

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX Equifax XXXX. XXXX   XXXX XXXX, GA XXXX Request for Investigation of Unauthorized Inquiry I have notice on XX/XX/2019 my credit report from Equifax.com showed the following unauthorized inquiries by these creditors : 1. XXXX XXXX/XXXX, Date : XX/XX/2019 2. XXXX XXXX, XXXX XXXX XX/XX/2019 3. XXXX XXXX, XXXX XX/XX/2019 I contacted all three creditors and notified them that I did not authorize or attempt to obtain any credit or loans, no sort of transactions what so ever, and asked them to remove their credit inquiry from my credit profile. XXXX XXXX was the only creditor that said that they would do their part to correct the unauthorized inquiries ; yet all three creditors search for an application or any type of paper work that would help them but they were unable to find or explain how the unauthorized inquiries showed up on my credit report. 

I request that you initiate an investigation into the unauthorized inquiries on my credit report to determine who authorized the inquiry. Upon your investigation I request that you remove all of these unauthorized inquiries from my credit report, please send me an updated copy of my credit report within 15 business days upon the conclusion of your investigation.
Complaint sub-issue: Information belongs to someone else

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. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The account is unknown to me and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

DPT EDXXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Klarna created debit card to cover purchases made thru XXXX XXXX using my XXXX XXXX account for weekly payments. Items missing from order never replaced or refunded. Automatic messages from XXXX suggest refund or replacement of items but no follow up by XXXX XXXX what so ever. School clothes purchase for children of XXXX  ended up taking lost on school clothes.While payments be taking off card to cover charges.Evidence submitted several times since XXXX no response or help from XXXX or Klarna.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I am in the process of purchasing a home and made payment of {$5100.00} on XX/XX/XXXX to my Citibank Credit Card of over 10 years with a limit of {$8500.00}. On XX/XX/XXXX my credit limit was decreased to {$2400.00} and was reported to all credit bureaus as a limit decrease and as being over limit at 101 % utilization with no reporting of the large amount I paid. On XX/XX/XXXX I made an additional payment of {$1700.00} and paid the remaining balance of {$720.00} on XX/XX/XXXX. As of today neither of the additional payments have been reported to the credit bureaus further tarnishing my mortgage approval. I called Citibank on XX/XX/XXXX to come to find out if any limit increase or updating reporting was possible and the only solution was to register my complaint which may or may not result in a letter to my address. I've never missed a payment and have been loyal to Citibank and no one cared to help me in any way. I was negatively reported to all bureaus within 72 hours, yet positive reporting is not handled with the same sense of  urgency at all. It is completely unfair that Citibank doe not handle reporting measures equally and does not even care to assist. All I want is for my payments and {$0.00} balance to be reported with the same urgency of any derogatory reportings.