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

On XX/XX/2021 I have sent a letter regarding inaccurate and unknown things on my credit report to this day, over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. It has been over 30 days they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

I am not working with any third party credit repair company, I am solely the only person working on resolving issues on my credit report.
Complaint sub-issue: Information belongs to someone else

I submitted information to Equifax and they still have not removed these items, These accounts were opened with out my knowledge I made a police report with my local police department and they have still not deleted these accounts for XXXX  XXXX XXXX :XXXX XXXX XXXX XXXX :XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Hello My name is XXXX XXXX I have been having this problem with equifax for a 2 years now. Every time or month I dispute a discrepancy that they have regarding a car loan account, they would fix it and then it goes right back to the same mistake. 

I had a car loan with ( XXXX XXXX XXXX XXXX ) in XXXX, Md in which at one point was repoed in XXXX of XXXX and then the following day it was reinstated. Every since XXXX of XXXX, Equifax would have this account status as " Repoed ''. To make it confusing it show as Repoed/Reinstate. However, this would drop my drop my score to about 100 points. I have been disputing this with equifax and the XXXX XXXX XXXX XXXX loan company. When I contact the loan company they say that this what equifax want this to put on the status. Every time Equifax get an update from the loan company they believe the account is REPOED. So I got fed up and paid off the loan in XX/XX/XXXX and received the lean release to try to help make it better. Low and behold it still comes up with the same thing. I would dispute this every time and they would fix it and the next month it goes right back to REPOED. I do not know what to do. The last 2 dispute was last month and today. Yet I feel I can not do anything. They have several dispute for the same account for the last 2 years and I've call on a number of occassion.. HELP. What else can I do to tell Equifax to stop this. I never had this problem with XXXX  or XXXX. Any help will do. Thank you much XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I contacted Mohela Department Of Education by letter a few months ago and asked for them to verify the information they posted on my credit report. They did not verify it, or even provide me with a signature. The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.
Complaint sub-issue: Report provided to employer without your written authorization

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX XX/XX/2022 RE : PERMISSIBLE PURPOSE LETTER To whom it may concern. 

I, ( XXXX XXXX ) never gave ( EQUIFAX, XXXX, OR, XXXX XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( 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. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXXXXXX XXXX XXXX XXXX Unverified Account
Complaint sub-issue: Reporting company used your report improperly

Lexis nexus has yet to remove both bankruptcies of my consumer report and it has been well over the FCRA investigation period which should have been 30 days now is going on two months. each time I call Lexis nexus they tell me a special unit is handing my case and they'll give me a call back and I still have yet to receive a call from them. my first initial dispute was back in XX/XX/2020 and I uploaded documents showing from the court house stating that they did not give lexis nexus any information regarding any bankruptcy of mines. this is a violation of 15 USC 1692 ( a ) infringement of the right to a consumers right to privacy. this is a result of identity theft, I have never signed any contact with lexis nexus and told them to report any information pertaining to my life which has been harmful to my reputation now pursuant to 15 USC 1681 ( a ) ( 2 ). I demand these bankruptcy to be deleted immediately because this is in fact in litigation.
Complaint sub-issue: Reporting company used your report improperly

The named company has violated my rights by improperly furnishing collection without my written consent. The law states that I have the right to privacy and no credit or collections company can not my personal information without my written consent, this account MUST BE REMOVED IMMEDIATELY. this account was also FRAUDULANTLY OPENED AND WAS PREVIOUSLY REMOVED, IT CAN NOT BE RELISTED AND I DIDNT APPROVE OF THIS. 

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

I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have 2 accounts and XXXX credit inquiries listed on my Equifax, XXXX and XXXX XXXX credit report that are fraudulent and unauthorized. The following accounts and credit inquiries are fraudulent : XXXX XXXX XX/XX/17,  XXXX XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XXXX XX/XX/17. Further, please add the following personal information to my credit report : Employer : XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX Phone : XXXX, Position : XXXX XXXX XXXX XXXX  Annual Salary : {$150000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following companies did not have my permission to run my credit. 

US SM BUS ADMIN 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
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Good Day I have been a customer of Citibank since 2000. Last month I received a letter from Citibank stating my credit limit was being reduced from XXXX to XXXX due to a credit score from the three reporting agency 's. I have always had a great score in the 750 + range. The decrease does not really affect me financially but it will in the future and for time to come. The problem is I had a high credit limit and to proportion to what I owe was acceptable. By Citibank lowing the credit limit as low as they did they have jeopardize and hurt my credit worthiness for the future. They willing or unwilling have trashed my credit report on purpose. I feel they should have not decreased the credit line to a point it would actually hurt my future credit score this is completely reckless on their part and should be corrected immediately to a credit limit that wont hurt my score. Why are they punishing me for a credit check when I have never been late in over twenty years except for last month when I did not realize I did not pay my bill I called and made payment immediately when problem was discovered. They assured me it would not be a problem and look a couple days later I received a letter decreasing my credit limit. Again I don't have a problem with decrease however with the amount they did with out caring about the consequences of their action would ruin my credit. Citibank should be held responsible for this issue they created. Why should I pay my bills on time to keep my perfect score? I spoke to Citibank on the phone to no avail they didn't understand the the consequence of their action. This issue is not about my credit limit it's about principals how Citibank can ruin a person 's credit be a stroke of a keyboard and get away with it. When asked on how to file a compliant agent did not want to share information on how to contact this department he stated it was up to me to find out on my own.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

Over {$2600.00} dollars of fraud charges were charged to my Direct Express card. Which is were i get my social security payments from. I filed a complaint with the company supplied them with all documents they asked for including a police report that was filled. I was told the case was closed they couldn't find that they were fraud charges. 

I called back and spoke with a manager and explained to him that I was in the ICU for the whole month of XXXX that I had no way to make these purchases. He said he would reopen the investigation and asked me to send him the paper work from the hospital showing i was in the ICU. Which I did. 

Now anytime I call and reference the SR number it directs me to a message saying they are busy at the moment try calling back.. This has been going on for months. I have faxed them asking for someone to call me and I have yet to speak with anyone. A police report was filled and investigated and they have issued a warrant for the person who stole the money. That's great but I need my money back. I live on a fixed income and this is a big chunk of money that was taken. The customer service with this company is very bad.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX is my name and I am a Federally Protected Consumer and I sent a letter to XXXX XXXX XXXX on XX/XX/2022 about this Illegal Repo. This vehicle was taken without my permission and that's auto theft. This is a direct violation of 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. I noticed that the furnisher failed to put a notice of dispute on this account. This is a direct violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Also the account is filled with errors, inaccuracies, and falsely reporting. The account has failed to notate that this is a repo, it states that it is a charge-off and that is incorrect reporting. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I disputed these inaccurate items over 35 days ago and they havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. I sent the letter because this is fraud and illegal to XXXX XXXX XXXX, XXXX, XXXX, and Equifax because I never received any documents. I was suppose to receive the Contract before the sale, Deficiency Documents, Redemption Documents, and Finance Documents. That's fraud and Illegal. I provided proof to XXXX, Equifax, and XXXX and they refused to correct information even after I provided proof. That's defamation and willful injury and grounds for litigation. This repo is Misleading and False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ). I look forward to your quick response to this matter.
Complaint sub-issue: Account status incorrect

I made a transaction with US Bank on XX/XX/18 and posted a payment in full on XX/XX/18. It was after I made a payment in full I thought the transaction was over, but apparently the bank account number they had was incorrect. This caused my payment to not go through. They did not alert me or send me any notice the payment had not gone through, which is a breach of their fiduciary duty to me, the consumer. They let the late payment sit for months without any contact to me that I was late due to a bank error from XX/XX/2018 until in XX/XX/2018 they flagged me for collections and reported me to the credit bureaus as a 30 day late payment. This flagging my credit reports is the only way I found out I even had a late payment. It was then that I called and immediately paid in full and the representative reversed all late fees and admitted it was an error on US Bank 's part. I have now been in a dispute with them because they refuse to remove the error from my credit report and it is affecting my ability to obtain a mortgage. I have no late payments on my report other than this one made in error and I have always had a clean report. US Bank is trying to bully me into letting this go, but their representative already admitted fault in that they never contacted me one time during the span of 4 months.
Complaint sub-issue: Company closed your account

I have a Costco credit card that we had used for a recent vacation. My significant other made {$1300.00} in payments during that pay period already. He tried to utilize his XXXX account to make another {$120.00} payment on XX/XX/2021, but it returned saying he had insufficient funds ( which was not the case ). XXXX then continuously attempted to make the payment and my SO made multiple attempts to reach them XXXX they have horrible customer service ) to discontinue the payment attempts. My SO did attempt to make another payment on XX/XX/2021 ( because again, he had sufficient funds in his account ) but received the same message. I received an email regarding this and reached out to customer service to see what was going on. I notified the customer service representative I chatted with that this was going on. I later found out from someone else that they experienced something similar ( must have been some sort of online communication error with multiple financial institutions? ). I was told that I would have to wait until the end of the pay period to address any concerns. I then noticed on my CitiBank app a few days later that my account was closed and I would be receiving a new card in the mail. I called customer service who stated that I would need to wait to receive the letter in the mail regarding the closure and that I would not be receiving a new card in the mail. I was furious. I called another customer service rep the following morning who stated that I had a returned payment in XXXX ( due to switching banks, but paid from the correct account immediately once notified ) and then this current incident. Inquired if I could somehow send proof that my SO had sufficient funds in his account at the time of the " insufficient fund '' notice, which the customer service rep stated that would be fine. But of course, my SO has not been able to connect with XXXX customer service to inquire about such a document ... so we have received the letter and cut up our cards at this time.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days, and yet the problem is still reported in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file. 
XXXX MTG XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX THE XXXX  XXXX XXXX/XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

This is not the first time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$10000.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act. The List of inquiries 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 XXXXXXXX XXXX XXXXXXXX XXXX 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.

5 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: Old information reappears or never goes away

Equifax refuses to comply with the law and remove three incorrect medical entries from XXXX XXXX XXXX that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I 'm sick of having to fight this year after year after year because the CRAs are n't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies. Finally, I directly contacted this last debtor, XXXX XXXX XXXX on XXXX/XXXX/XXXX via certified mail, but never heard back from them. When I saw that the three derogatory items were still on my accounts more than 30 days later, I contacted you, CFPB on XXXX, and XXXX XXXX Responded on XXXX, indicating that they received my correspondence and contacted ALL of the credit reported agencies requesting that the collection entries be removed/deleted. However, when I checked my report as of today, all of the information remains, hindering my need to acquire a job ASAP.
Complaint sub-issue: Information belongs to someone else

I have no knowledge of the account information. It is inaccurate. I contacted the 3 bureaus ; Equifax is the only company still reporting and refusing to investigate and provide more information relating to the account/
Complaint sub-issue: Card was charged for something you did not purchase with the card

ON XX/XX/XXXX I was fraudulently charged on my Fidelity Visa for {$510.00} by the XXXX XXXX. I reported it to visa and they gave me a credit on XXXX for {$510.00}. Then on XX/XX/XXXX I was charged again {$510.00} by the XXXX XXXX. I have never done business with the XXXX XXXX   and I have been trying unsuccessfully for the last 5 months to get this resolved. I just got off the phone and it was my 5th call ... they say that a manager will call me within 48 hours but they never do. I just want a credit for the {$510.00} fraudulently charge.
Complaint sub-issue: Information is not mine

There is an collection that is reporting on my credit file that does not belong to me. Please assist me in getting this item removed from my credit file. The account number to this collection is XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent CITI and XXXX both multiple letters of verification. I've requested both CITI and XXXX  to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.
Complaint sub-issue: Information is not mine

I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XX/XX/2016, XX/XX/2016 and again on XX/XX/XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and both request to have them investigated have been ignored.
Complaint sub-issue: Account information incorrect

ON XX/XX/XXXX I CONTACTED XXXX XXXX XXXX TO DISCUSS A CHARGE OF {$290.00} ( CHARGED-OFF ) ON MY CREDIT REPORT. I WAS A PREVIOUS STUDENT ATTENDING THE XXXX   ON FINANCIAL AID WITH NO OUT OF POCKET COSTS. DUE TO MY HEALTH AND HOSPITALIZATION I WAS UNABLE TO ATTEND THE CLASS AND NOTIFIED MY ACADEMIC ADVISER IN XX/XX/XXXX. I VERIFIED WHAT THIS CHARGE WITH FOR WITH THE SCHOOL AND I WAS TOLD THE SCHOOL WAS REQUIRED TO RETURNED FUNDS BACK TO THE DEPARTMENT OF EDUCATION AND THE PRORATED FEES WERE ASSESSED TO MY SCHOOL ACCOUNT. 

- THE PROBLEM IS I WAS NEVER NOTIFIED OF ANY TYPE OF FINANCIAL AID PROBLEMS. 

- THE {$290.00} IS A RESULT IN A FEE THE SCHOOL ASSESSED FOR A CLASS I DID NOT ATTEND. 

- I WAS NEVER PROVIDED AN OPPORTUNITY TO PAY THE FUNDS IF FACT I AM RESPONSIBLE. UNDER MY STUDENT ACCOUNT HISTORY I WAS NEVER INVOICE FOR THE AMOUNT SHOWED CHARGED OFF ON MY EQUIFAX CREDIT REPORT. 

- XXXX  XXXX XXXX IS NEGATIVELY REPORTING A CHARGED OFF ACCOUNT THAT HAS NEVER BEEN VERIFIED AS VALID ON MY EQUIFAX REPORT. 

- THERE IS NO AGREEMENT THAT HAS BEEN PROVIDED THAT I HAVE WITH THE XXXX   REGARDING ANY FEES THAT I OWE.
Complaint sub-issue: Contacted you after you asked them to stop

On X/XX/17 XXXX XXXX called my work looking for me I ask them not to call my job and than they called again 4 hours later my name isXXXX XXXX