Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX  XXXX {$0.00} XXXX XXXX {$680.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$720.00}
Complaint sub-issue: Debt was paid

XX/XX/XXXX XXXX XXXX XXXX of XXXX, FL reported to XXXX  and other reporting credit beueaus that a debt in the amount of {$2200.00} was owed from an old XXXX account. Several months eariler XXXX sent this debt to another collections agency called XXXX  XXXX in XX/XX/XXXX. I contacted them and proivded documenation showing I do not owe the debt and that it was paid off well before the account with XXXX was closed. XXXX XXXX confirmed and corrected the reporting inforamtion. Now, XXXX has resold this inaccurate debt to XXXX XXXX XXXX who refuses to remove the inaccurate debt dispute providing documentation showing the account does not belong to me. On XX/XX/XXXX, I noticed a collection debt reporting on my credit report. I reached out to XXXX XXXX XXXX to investigate the debt. They did not have any accurate contact information on file for me, so I never was notified about the debt, it just went straight to the credit report. I was told to submit a dispute to email my request to XXXX and reference # XXXX. Shortly I recieved an email stating they can not delete the account from credit bureaus. I asked CFPB honor its mandate and protect this consumer of unpair and illegal reporting of false debt.
Complaint sub-issue: Old information reappears or never goes away

XXXXXXXX XXXX  account is making a negative impact on my credit report the account been paid off
Complaint sub-issue: Called after sent written cease of comm

I had past experience with calls re the debt of someone who lived at my address some 20 years ago and another with the same name except the middle initial and it took and FTC complaint to stop them. I received calls in XXXX 2015 from Enhanced Recovery re Debt Collection. 
One call referred to a letter which I assume was a validation letter sent to whomever owes whatever they are trying to collect. I wrote them a detailed letter on XXXX XXXX, 2015 ( cert. return rcpt ) telling them : 1. contact the person you wrote to, its not me. 
2. There is no reason for a debt collector to be contacting me. 
3. cease and desist. 
4. Further I am XXXX and do n't do business over the phone. 
5. I have a health condition that XXXX ( XXXX and XXXX XXXX ). 
6. their contacts did not appear to comply with the FPDCA 7. I looked forward to never hearing from them again. 
I thought it worked until Fri XXXX when I got the following msg on my answering machine : " this is a debt collection call from Enhanced Recovery please call XXXX ref XXXX. '' no identification as to the caller or what the debt is about ( not that I care ). 

All I want them to do is leave me alone. I sent a letter today reiterating the comments in the XXXX XXXX letter and telling them I would file a complaint. 

I will not call them back based on my past experience with another highly unethical collector and my XXXX. 
I know of no reason they should be calling me. I have not cosigned for anyone nor acted as executor of any estate. 

This company has not been abusive and until yesterday I thought the matter resolved. I will grant that my past horrible experience affects how I view this. 

I do believe that companies should be prohibited from contacting anyone just because they have a similar name or without at least stating we are contacting you in regard to a debt owed to XXXX by XXXX. 

I would like to think that this latest call is a result of a failure to communicate that no one should be calling. 
a debt owed to
Complaint sub-issue: Information belongs to someone else

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Disputed with the company on XX/XX/2018. The company received my dispute on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I have yet to receive back valid information that was requested from the company. The FCRA give the company 30 days to respond, I have not gotten a response.
Complaint sub-issue: Account status

I have spoken with representatives at XXXX XXXX on two different occasions in the past three months- both times I was told that I had no debt being managed by XXXX XXXX . In both cases, they confirmed that my previous debt was from XXXX XXXX XXXX and on the second attempt to get this removed from my credit report, I called XXXX XXXX XXXX to get a letter that states that I do not owe XXXX XXXX XXXX anything. They complied, but XXXX XXXX refused to provide a letter that states that I have no debt with them- regardless of the fact that they are reporting I do. They should have to prove this since it has negatively affected my credit, cost me thousands in interest and disqualified me from refinancing my home.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERLA AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Banking errors

I signed up for a checking account with Bank of the West New Account Promotions of {$250.00} bonus. It has been over 5 months and I have fulfilled all the requirements. I still have not received the bonus. I have contacted bank of the west numerous times and was once put on a 5 hour wait.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX, I submitted a CFBP Complaint to all 3 Credit Reporting Agencies ( XXXX, XXXX, and XXXX  ) regarding this hellacious over a year long battle with all three agencies in trying to get fraudulent bankruptcies removed. Recently, XXXX, responded back stating they would block the bankruptcies provided, that I provide the supporting documents required for Identity Theft. I've provided a multitude of supporting documentation regarding the I.D.Theft /fraudulent bankruptcies I never filed in XXXX. This past week, I got results back from my dispute of the bankruptcies filed in XXXX from all three XXXX 's states - XXXX  ( XX/XX/XXXX ), said that the bankruptcies will remain on my credit file, and LexisNexis has certified the bankruptcies filed were confirmed as being accurate. XXXX the same day ( XX/XX/XXXX ), also completed their investigation of the dispute saying LexisNexis the furnisher of information has verified bankruptcies are accurately reporting an will remain on my credit file until XXXX. XXXX  sent me their investigation resolution via mail around ( XX/XX/XXXX ), indicating LexisNexis has confirmed and verified the two bankruptcies as accurate. The issue is not the validity of the bankruptcies being filed ( XXXX, XXXX ), however, it was my personal information used, without my knowledge or consent. Now, the furnisher of information LexisNexis, in XX/XX/XXXX confirmed to me verbally that the two bankruptcy cases ( XXXX, XXXX ) were removed from my file. LexisNexis had gone even further, by providing to me a secure passcode that I could view/print the information they show in there system. 
I printed a copy of my LexisNexis file, and the bankruptcies were removed I provided a letter from LexisNexis dated XXXX XXXX, stating the two bankruptcies have been deleted from their files due to i.d.theft. In this last dispute with all three CRA 's, I sent certified mail to each CRA 's disputing these two bankruptcies on my credit file, however, all CRA 's responded saying missing identifying information therefore they have disposed on my documents. How are ( XXXX, XXXX, and XXXX ) verifying information with LexisNexis the furnisher of information that doesn't exist according to LexisNexis. Unless each CRA can provide to me a copy of their investigation via LexisNexis, that will show a valid and confirmed investigation report with LexisNexis confirming the reporting of bankruptcy cases ( XXXX & XXXX ) as accurate. Either the CRA 's or LexisNexis is attempting to misled the consumer, and /or providing false information to the consumer, denying method of their investigations, witholding accurate reporting information, conspiracy in defauding the consumer of rights and liberty, which violates The FCRA/FTC Rights and Rules. Lastly, I am disputing these bankruptcies with all three CRA 's and LexisNexis. Also, the inaccurate reporting of the filed date in bankruptcy case XXXX.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor is the bankruptcy on XXXX mine.
Complaint sub-issue: Can't get flexible payment options

I took out private loans through sallie for my XXXX degree. Upon graduating, I was told my monthly loan payment would be over {$1100.00} & that there was no other option for me to repay unless I went by their repayment plan. That amount is not even a logical amount. The only other option they gave me was to go back to school & defer my loans, allowing them to collect even more astronomical interest. This lead me to have to consolidate my loans through another company just to get a lower payment because there 's no way I could afford to pay them over {$1100.00} a month with interest rates about 13 %. This company does not work with you or help you to repay loans at all. It 's impossible to get out of debt with them. Not to mention, having loans out through this coming any has destroyed my credit score.
Complaint sub-issue: Deposits and withdrawals

I was informed yesterday, and it was admitted by the assistant branch manager at Ameris Bank in XXXX on XXXX XXXX that my legally separated spouse was given information about an account that she is not listed on with our bank. It is a joint account that I have with my son for his social security that she is not allowed to be listed on. Instead of calling the adult listed on the account, the assistant manager admitted to breaking protocol and giving the information to them without contacting an adult listed on the account. For the record, my son is underage and has no legal form of id. This is not an account that my child knows about, he has never utilized this account, and I have informed several people at the bank prior to this event that my wife has filed for divorce when I started a new account with them.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX claims I owe more than {$150.00} for a router I had returned. ( XXXX XXXX XXXX XXXX XXXX acct. # XXXX final bill shows I am due a small credit ). Also erroneous reporting to credit bureaus has negatively impacted my credit scores and XXXX XXXX XXXX has turned the account over to collection agencies. 
Establishing a XXXX account with XXXX XXXX XXXX was for internet services from XX/XX/XXXX XXXX XX/XX/XXXX, and the contract was for {$44.00} per month discounted as I had previously purchased a XXXX router. Shortly afterward the router failed while under warranty and it was replaced. I sent the defective unit to XXXX XXXX XXXX per their directions and it was received by XXXX XXXX XXXX on XX/XX/XXXX. During the following months calling the XXXX XXXX XXXX XXXX department ( from XX/XX/XXXX XXXX XX/XX/XXXX ), they had to make an adjustment of {$7.00} overcharge from {$52.00} to {$44.00} each month as I was not renting a router. In spite of talking to their rep and providing the UPS tracking number, at the end of the contract period XXXX XXXX XXXX still claims I owe {$150.00} for a router I had already returned. Attached are confirmations of the equipment sent and acknowledgment from XXXX XXXX XXXX of receiving the equipment. However, due to XXXX XXXX XXXX actions the major credit bureaus have lowered my credit score and XXXX XXXX XXXX has forwarded the erroneous information to collection agencies.
Complaint sub-issue: Reporting company used your report improperly

accordance with the fair credit reporting act XXXX  Account xxxxxxxxxxxx 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: Credit inquiries on your report that you don't recognize

I am pleased to see some improvements on my report and this is still remaining account on my report which is fraudulent and was resulted from identity theft. I am pleading for your help to remove this remaining item found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$1300.00}
Complaint sub-issue: Information belongs to someone else

I've seen those inaccurate and unknown accounts on my credit report, so Ive sent documentation lastXX/XX/2021, it almost 30 days now but I haven't received any response yet. I demand to REMOVE ASAP those accounts or I will file litigation.
Complaint sub-issue: Account information incorrect

I have tried for the past three years to remove the accounts of Macy 's XXXX from my credit record. I never charged that amount at Macy 's. 
My cousin and I suffered a great deal due to these charges being under my name. 
Please have the company remove any negative data from under my name in the credit bureaus. 
Please have them refund me {$500.00} for faulty items.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2021 I spoke with XXXX XXXX regarding their unauthorized credit pulls on my account. They have yet to provide solid proof that I authorized this credit pull and have fraudulently created emails ( see attachments ) to appear as if they were transmitted by me, XXXX XXXX XXXX. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX XXXX on behalf of XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Illegally inquired on XX/XX/2021
Complaint sub-issue: Other problem getting your report or credit score

Mortgage lender is not able to pull credit report from Equifax. When pulling the report - in the credit bureau errors it states " Equifax remark : Information form you inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery '' - " inquiry information as fraudulent by consumer- report not available '' I have called 7 times and I keep getting the same answer every time I call " everything is fine on our end. We don't see any fraud alert on your account or any freeze ''. Everything is accurate in my credit report. I have access to my credit report online and everything look accurate so not why there's an issue with the lender pulling the report.
Complaint sub-issue: Debt is not mine

I have been contacted numerous times and continued to be harassed by by telephone by a company called " Enhanced Recovery Company , LLC '' concerning a debt owed by someone else. I have informed them that they have the wrong telephone number and wrong person, but they continue to harass me at all time of the day by telephone robo-calls.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover from other sources. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hi! 

I applied for a new apartment building in XXXX, MD. They told me my application was denied due to something in XX/XX/2013. I ran a credit report that stated I have no " No fraud indicator on file XXXX Records Found '' However, this is the message I received from the landlord. I would like to be provided with additional information from XX/XX/2013 on what is showing on my account? I have never been denied in my life? 

-XXXX Hello XXXX , I am sorry that it has taken me so ling to get back with you. I have been working on the outcome of your application. 
Everything was good except the credit Reports. It has something on it from XX/XX/2013, I don't know if you can reach out to the Credit Company Equifax XXXX to get this removed off your report. 
Please let me know your thoughts on this and let me know what you would like to do. 
I am sorry that I have to request that you try to get this taken off your report so that we can re-run your credit report. 

Sincerely, XXXX
Complaint sub-issue: Deposits and withdrawals

Albert banking sent me a text alert on XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they were mailing me a new debit card when i didnt ask for XXXX. A representative locked my account for " security reasons '' when i already verified myself. I have not been helped in anyway. I just keep being told that my situation has been escalated. The representatives have been ignoring my text messages and emails. Its currently XXXX XXXX XXXX XXXX with no resolution and no access to my online accout or money. On XXXX XXXX XXXX I provided XXXX forms of id 's & photo of myself to the albert agents. They have not tried to resolve my issue in a timely manner. I am waiting access to the remaining money in my account and i want to close the albert bank account. I have never had an issue until XXXX XXXX. To be ignored and to have gone XXXX plus hours without access to my money is unacceptable. I still have not received any feedback as to when i will be able to access my account. Albert banking does not value their customers and need a phone line where customers can communicate with a real person via phone.
Complaint sub-issue: Reporting company used your report improperly

Went into car dealership, XXXX stated only they would pull my credit report, however multiple companies pulled report : XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX - XX/XX/2022 Equifax XXXX  XXXX XXXX  Auto Financing XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Financing XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX