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

As of XX/XX/2020 I received notification from XXXX  that the results of my third attempt to amend incorrect data on my consumer file was deemed accurate by the creditor. To add insult to injury, not only did XXXX  not remedy my file but they added additional incorrect reporting, which continues to hurt my credit worthiness. 

Despite me providing XXXX  with supporting documentation in writing to subsequent my claim, along with specific instructions to remove those inaccurate items and provide me with the tools they used to verify their decisionI was unable to preclude any of those items. 

On XXXX, XXXX I spoke with an XXXX  representative over the phone to air my grievances. We both agreed that the information was being reporting inaccurately. However, he advised he was unable to amend anything on his end without the confirmation from the original creditor. I then asked, if we both agree that it's inaccurate where does the responsibility fall on XXXX  to remedy the situation. Also, why isn't XXXX  being transparent about the investigation tools that are or are not being used to satisfy my claim. 

I feel both XXXX and the original creditor ( US Dept of Edu/Nelnet ) are in violation of the FCRA. I reached out to the creditor directly for resolution and they were unable to provide documentation to support the inaccurate information on my report. 

Someone has to step in. This is not ok
Complaint sub-issue: Debt is not yours

Date : XX/XX/XXXX Complaint regarding my dispute with IQ dada International : I am in possession of the documents sent to me dated XX/XX/XXXX. The information is unresponsive to my demand. I demanded valid proof that I owe IQ data international or the XXXX any money. 
They responded to my complaint to the CFPB on XX/XX/XXXX. Case number XXXX in which they indicate that they sent me a copy of my final account statement and a letter requesting additional information. They also stated that the XXXX XXXX confirmed that the balance is accurate and provided a copy an electronically signed lease. Which was not even included in their correspondence. 
Even if the electronically signed signature had been provided, it is still not valid proof that I owe money to these people. 
An electronic signature can be copied and pasted and attached to any document by anyone. With electronic signature, there is no document security. There is no verification process or any tracking for changes made to the document after signing. 
I am requesting that this collection agency provide me with valid proof before continuing collection activities.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 my credit score was pulled at least once by the Loan Dept at XXXX XXXX in XXXX, CT after confirmation that they had pulled the score already on XX/XX/2019 via the online application that I submitted for an auto loan.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I recently went through a divorce and my credit and finances have suffered. Everytime I get a little bit ahead on my Citi-Bank credit card they drop my limit negatively effecting my credit utilization and debt/credit ratio. They've decreased my credit XXXX times in the last XXXX months and each time drop the limit almost exactly to the amount owed. I've tried to contact them about lowering the payment so that the finance charge won't push me over the limit but they've been very hostile and unwilling to work with me. I spoke with a representative in the credit department and he kept mentioning my accounts with other companies as the main factor and was using an outdated credit report.
Complaint sub-issue: Account status incorrect

In XX/XX/2020 Elan Financial services used a company called XXXX to collect debt from me which was owed. Total amount owed was {$1300.00}. I got 3 letters stating if I paid {$540.00} the account could be settled and closed. In XX/XX/XXXX I had called XXXX and they settled the account and told me it was closed and everything would be processed. For the last 3 months I saw my credit rating go down because Elan is stating that I still owe them {$810.00}. I have called multiple times and they state I either pay or the account will keep affecting my credit. I asked to request a manager over and over again and I can not reach one what so ever, and they can not help me. I am trying to settle this because this debt that I settled a year ago keeps coming back to haunt me and the company will not help me at all when I payed what was asked.
Complaint sub-issue: Their investigation did not fix an error on your report

there are too many dates to list but i have on multiple occasions contacted XXXX reguarding information on my credit report. i have sent them this exact letter " letter below '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 



" END LETTER '' underneath that i included all accounts i wanted verified and on a second page of the letter photo copied my drivers license and social security card on it it and had it notarized and sent two copies. one regular and one certified. 
i sent this letter more then 10 times to which they would reply later then 30 days and there reply would only be a copy of my credit report, when i would call on the phone i would get no support they would say all accounts were verified and provide me with no additional information, i requested to know verified by who, by what means, i asked for a copy of the contract, and asked to see validation setforth by the federal guidelines. 
i have sent requests to remove old personal information aswell to which this bureau is in no way shape or form in compliance to my demands or requests. now i have reviewed the fcra and the fdcpa and the laws are extremely clear, yet XXXX seems to willfully non comply
Complaint sub-issue: Reporting company used your report improperly

I would like to register a complaint about Nelnet to protest most strongly and urgently the procedure Nelnet used to acquire my personal information and bank informations through, what I believe must be a third party. I am continuously having issue with identity fraud and to find out Nelnet has my personal bank information without my consent on their website database, is very disturbing. I believe this type of practice should be illegal and it a violating my privacy. This is unethical how they proceed to collect costumers personal information and sell it to other companies, without informing the consumer. I would like this issue to be investigated and verify if the way they got my account and personal information was kosher and through standard practice.
Complaint sub-issue: Didn't receive enough information to verify debt

Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification.. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to agency on XX/XX/2018. Company is still not providing me with a signed copy of the contract with XXXX XXXX XXXX. equi verification that is in compliance with the fair credit reporting act and must be deleted from my credit file Still no resolution and it is XX/XX/2018.
Complaint sub-issue: Information belongs to someone else

Sir/Mam : I`m a XXXX veteran. I`m XXXX I had a apartment fire which destroyed my apartment. XXXX XXXX move me to another apartment I tried to have my lights turn-on, but XXXX XXXX did a credit check they said I had a fraud alert. I sent equifax the information so they could identify me. They told me it would take 3 to 5 business days it`s been two weeks now they are telling me thirty days now. 


Thank, Thank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX, Nc XXXX XXXX ( XXXX ) XXXX
Complaint sub-issue: Was not notified of investigation status or results

I recently called Equifax at XXXX XXXX XXXXXXXX, and the representative stated he couldnt remove an unauthorized inquiry because it is a factual record. I am here to tell you that it is not! I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization written nor verbal, I ask that you delete and remove these unauthorized inquires from my credit report immediately. I did not apply for credit with this company nor gave the authorization to pull my credit. 

To my knowledge, I have no business affiliation or obligation to this alleged company nor did I give them my consent to pull my credit.I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose, validation.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Re : Letter to remove inaccurate credit Information Recently I looked at a copy of my credit report and notice several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigating these items for me to ensure accurate. 
Here are the items I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX Total card ) - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After your investigation is complete XXXX please send me the results via mail. 
Thank you in advance. 
XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX This is not my ACCOUNT AND IVE SENT IN AN FTC REPORT DISPUTING THIS ITEMS AND NOTHING HAS BEEN RESOLVED PLEASE REMOVE FROM CREDIT FILE Late Payment for XXXX XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX This account is fraudulent and does not belong to me Ive never did business with this place Credit Inquires on XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX is an incorrect address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX is an incorrect address
Complaint sub-issue: Card was charged for something you did not purchase with the card

Ive been using discover for twenty years or so never had so much XXXX in my life.the merchant charged me twice for same thing. discover disagrees but i allowed one charge of XXXX got that and dont like it.this was the full price for that item.I told the company i dont like it and i told discover the same.I cancelled the card because this company has figured a way to recieve monthly income regardless of what the consumer says or feels.Because of the stupidity how discover card is now being run.between the company and credit cards this is legal fraud.I didnt get no more items discover card claims i did because they put it in my mailbox.It just isnt true.I believe the company plans to charge my credit card again next month XXXX so i stopped it.Hopefully you will also.I will payoff discover what i owe but not what i dont owe.so it will be payed less at least one XXXX.
Complaint sub-issue: Information belongs to someone else

I found out that there are 2 accounts reflecting badly on my credit report today XX/XX/19 when I was denied from opening a credit card at my bank. Neither of those accounts belongs to me nor did I authorize anyone to open those accounts using my personal information. I have no idea who could have stolen my personal information to open these accounts behind my back but I already filed a police report. I did not gain anything at all from these accounts being open in my name nor did I take part in any purchases, transactions or payments regarding these accounts.
Complaint sub-issue: Reporting company used your report improperly

For several months, I have been trying to dispute negative accounts from my credit report, several times. Recently, I 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 % In accordance with 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.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 


Listed below are the negative accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached below is the recent letter I filed.
Complaint sub-issue: Investigation took more than 30 days

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial XXXX and defamation of character along with 60 plus days of no response.
Complaint sub-issue: Account status incorrect

This company is reporting my account twice on my XXXX  report. They have different balances and payment information. I have only ever had one account with this company. I submitted a dispute with XXXX  but the company is saying that the information is correct. I sent a message to Lending Club and nothing.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3200.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Old information reappears or never goes away

XX/XX/XXXX i sent a certified mail to XXXX. Disputing the unverified acounts on my credit report. XXXX sent me a redit report XX/XX/2021. Showing that the account from XXXX. XXXX XXXX was removed and deleted from my report ; XX/XX/2021 on the report. The account was closed with an amount of {$8800.00}. And a last payment of {$100.00}. XX/XX/2021 XXXX report. The account closed on my XXXX via XXXX XXXX. XX/XX/XXXX, XXXX removed the late payments from the account. Then on XX/XX/2021. XXXX XXXX XXXX, XXXX  report the account open with a balance of {$10000.00}. Which is inaccurate i disputed with bureau and they informed me via phone call that it will be removed. XX/XX/2021. The account was closed with an amount of {$11000.00} with a last payment of XX/XX/2021. Which is inaccurate. The then, XX/XX/2021. The account was opened again with a balance of XXXX. In addition the very next day XX/XX/2021. The account was closed and removed from the report. They fail to verify the account and remove the inaccurate information. I been disputing this account since XXXX. XXXX refuses to solve this issue with the credior and is causing me Financial injury. This harmful inaccurate information is causing distress. XXXX  need to resolve this complaint immediately. Via section 609 of the fair credit reporting act.
Complaint sub-issue: Old information reappears or never goes away

Applied for auto loan at end of XX/XX/XXXX and received a letter on XX/XX/XXXX from XXXX XXXX explaining why i was rejected by them because of a report from XXXX XXXX XXXX. XXXX XXXX XXXX reported a credit score of XXXX for me while other reporters are showing XXXX ( XXXX ). I had not heard of this company " XXXX XXXX '' and do not feel comfortable sharing my social security number or other personal details to see their " report ''. I have tried to call them multiple times to dispute the false information but every time I am only able to reach a voicemail box. From what I have read online this company has done similar things to others, possibly to give banks a reason to charge higher interest rates. Please do something to get them to stop preying on people and help me get my credit restored.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased two flights to Alabama during the covid pandemic for an parent who was very ill and doctors told me they didn't have long to live. I have immune deficiency issues and wanted to be sure the flight was safe and the airline was practicing social distancing. The airline advertised that they were and I also called and was told that they were only filling the plane to a certain percentage to allow for social distancing and seat changes. This was not true after boarding the plane I realized that they were not practicing social distancing and had filled the plane to full capacity with only two seats left. I was told I would not get a refund by the airline and that I had to file a complaint. Citi NA is refusing to dispute this stating that I used the ticket. I had no choice but to use the ticket I did not know that XXXX XXXX would be dishonest. I trusted them with my health in a pandemic when I was given bad news. I was subject to several tests due to their dishonest claims that they would social distance and limit seating capacity ok the plane. Since my complaints, XXXX XXXX has changed its policies by alerting customers that the flight is a full flight and giving the option to change flights. This was not available when I took my flight not was it offered when I complained.
Complaint sub-issue: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  Inquiry Date : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XXXX. XXXX, XXXX XXXX, XXXX XXXX Date : XXXX. XXXX. XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX Inquiry Date : XXXX XXXX, XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX
Complaint sub-issue: Didn't receive services that were advertised

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 it via social media. 
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.