Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

MISSING INFORMATION I CANT DISPUTE WAS ISN'T THERE XXXX.
Complaint sub-issue: Debt is not yours

I already spoke with this company and they said they would send me something in the mail its been several months and they said the collection would be removed. Yet it still shows on my report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a XXXX credit card that was charged off in XX/XX/2014. This debt was sold to a debt collection once then went back to XXXX. I believe this debt is part of the settlement when cfpb brought action against XXXX. This charge off is negitively impacting my credit report and I believe it should be removed from my credit reporting since it was from the cfpb settlement. I contacted XXXX to see if they would remove the account however they would not.
Complaint sub-issue: Public record information inaccurate

In XX/XX/2021 I sent information to all three credit bureaus regarding a bankruptcy that was being inaccurately reported on my credit report. After contacting the Bankruptcy court I sent proof stating the information was inaccurate and that the bankruptcy court does not report such information to credit bureaus. I will attached the information that was provided to the credit bureaus.
Complaint sub-issue: Information belongs to someone else

ok so my social is XXXX my name is XXXX XXXX XXXX XXXX i was born in XXXX fl. my mothers maiden name is XXXX. I look XXXX. and i have XXXX hair. some information on my XXXX and other credit reporting agency profiles are incorrect. and could possibly be someone else 's. So alright I mean some verification questions for employment and loans are just bizarre. I have like add. but I'm not incompetent. And I certainly know what is going on is bizarre. its hard to remember what information was not mine. The XXXX XXXX address is not mine. and whatever after 2012 isn't mine. I have a XXXX  credit card. I financed with XXXX. bought a red XXXX. had a red XXXX XXXX. had a XXXX XXXX. and whatever financing company was involved with those is what is correct. I just don't remember what they were. never applied for any loans other than for those cars. I applied for a large loan one time and got approved for XXXX dollars. my brother has or had a XXXX. a XXXX my dad has had a XXXX truck for long time. and my mom has a XXXX XXXX and a XXXX XXXX. so my email is XXXX. please help me and this precarious situation. you can contact my parents as well. my fathers name is XXXX XXXX and his phone number is XXXX my mothers number is XXXX. My phone number always changes. Thank you.
Complaint sub-issue: Reporting company used your report improperly

Dear citi I had file Disputes with XXXX  reporting agencies XXXX tells me that you verified the information on all Three accounts saying it is reporting correctly correct when you send that information back to XXXX One of you Guy 's are not changing the date if status This is a Violation of the FCRA Transunion tells me that it is your responsibility to this when you reply back via XXXX XXXX This is a violation of the and you could be fined or sued for {$1000.00} per account per bureau I have had to issues before with XXXX they claim they will get back to me in 60 days But 60 days comes and Go so I need to get to the bottom of this to find out which one of you are in violation of the FCRA please Both companies DO NOT SEND ME ANY LETTER VIA US MAIL RESPOND HERE ON THE CFPB SITE LETTING ME Know which one is causing the violation ...
Complaint sub-issue: Problem cancelling or closing account

On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. 
On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a XXXX ( XXXX ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted Equifax Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through Equifax was mailed certified on XX/XX/XXXX. Not receiving an updated credit report and it is now XX/XX/XXXX. I am filing a formal complaint with the Consumer Financial Protection Bureau. 
I have copies of all letters and police report information sent certified to Equifax by me as they show proof of contact and effort to have these accounts removed. Also, I have sent a letter from XXXX, which shows my account to be closed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, I recently checked my credit reports an noticed several credit inquiries that I did not authorize made by the following companies : XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 This institution said I need to contact these companies and they all said I have to contact the credit reporting agency. So both are blaming the other. 

These inquiries are in violation of 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have submitted an identity theft report to the FTC and have attached it below along with my identification info.
Complaint sub-issue: Attempted to collect wrong amount

Alpine Credit Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection is taking me to court case # XXXX on XX/XX/XXXX for medical debt that I have no knowledge of for {$900.00}. The original bill that they claim was for {$600.00} for XXXX XX/XX/XXXX. I certified mail to Alpine that I want to see proof for the medical claim with my signature, what am I being charged for and the XXXX. I have not gotten any response back from them. I demand this medical claim to be taken off my credit, because Alpine did not reply or show me proof.
Complaint sub-issue: Their investigation did not fix an error on your report

I found a number of mistakes on my credit report and I contacted Equifax in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
Complaint sub-issue: Investigation took more than 30 days

A letter was sent early XX/XX/2015 requesting verification. It has been more than 30 days and no response or update with the status of removing invalidated information reported by this agency/company.
Complaint sub-issue: Card opened as result of identity theft or fraud

These are Fraudulent accounts that I have proven that have came back on my report. Please Remove immediately. My personal information was stolen as i stated before.These are not mines.
Complaint sub-issue: Account status incorrect

I called and spoke with a representative by the name of XXXX on XXXX XXXX, XXXX. My call was in reference to the bankruptcy that was removed from my credit report. I called because items that were included were showing on my credit report after the bankruptcy had been removed. The accounts were XXXX XXXX, XXXX, and XXXX XXXX. The representative assured me numerous times that the information would be removed and that it was just a matter of the report updating. From past experiences this has not been the case, however I accepted what I was told because the representative said that she would send me an updated report. I received the updated report and the items remained on the report. I placed a second call the week of the XXXX and spoke with XXXX who advised me that the items would not be removed and I would need to go through the dispute process. I then requested to speak with a supervisor XXXX in Nevada and he advised the same as the representative and I expressed how I felt that it was unfair considering that I confirmed and reconfirmed with the original representative that the items were being removed. I think that when a person calls a company to get information in regards to any account or credit reporting that they should be able to walk away knowing that what they have been told is accurate and will be carried out by the company.
Complaint sub-issue: Information belongs to someone else

not mine/no knowledge of negative charge off accounts on my credit report
Complaint sub-issue: Frequent or repeated calls

I had made a payment agreement with D2 Management, LLC and I asked before they were going to take money out of my account that they were to contact me before to assure the money was available because my funds were short due to lack of work because of weather they never contacted me and I had needed the money for rent and asked if they could postpone my payment for a week and they told me I was basically S.O.L and just rude. I received many phone calls throughout the day and this went on for months and I answered the call while I was at work and was greeted with hostility and I had informed them I was at work and I would call them once I get off then the lady had told me that I needed to speak to her and handle the situation then and now and said I needed to step back and deal handle it now otherwise they will cancel my agreement immediately I was not able to spend my time with them at that point but she was VERY rude and I had lost my cool and said a bad word as I was hanging up and then received another call from her manager and he basically scolded and belittling me then informed me they cancelled my agreement.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. XX/XX/XXXX I received this response : The company that reported the information has certified to XXXX  that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : http : //www.alsb.uscourts.govXXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Complaint sub-issue: Information belongs to someone else

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting  documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Complaint sub-issue: Investigation took more than 30 days

This is my second and final attempt to get this matter resolved with out additional council from my states AG being involved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX  FTC as well as my States Attorney General. 

My first letter to your company was sent in on XX/XX/21. My letter was to inform you of the erroneous, inaccurate, unverifiable, and incomplete items on my report. It was also informing you that my information was involved in the Equifax data breach. 


The listed items are completely inaccurate and incomplete. This is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had more than enough time to complete your investigation, and you have failed to respond with in that given amount of time ( 30 days XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Complaint sub-issue: Debt is not yours

Was called around the beginning of XX/XX/XXXX about said I owed a debt to XXXX XXXX XXXX XXXX. Asked for verification of said debt received a letter around XX/XX/XXXX asking for ssn # and an account number to said debt. I dont have this account number and do not feel comfortable giving out my ssn # due to recent fraud that was on my credit report. The amount of the Debt was for XXXX.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

L.J ROSS ASSOCIATION VIOLATED 15 USC 1692g -VALIDATION OF DEBT L.J ROSS ASSOC . VIOLATED 15 USC 1693o-1-Remittance of Transfers ( A ) 15 USC 1692 ( 1 ) L. J ROSS iS a3rd party debt collection agency attempting to collect a debt in which they did not administer violating FCRA AND TRUTH IN LENDING REGULATION Z. CFPB Has aready sued XXXX for reporting fraudulent information to consumers credit profiles.
Complaint sub-issue: Trouble with how payments are handled

I have student loans totaling about XXXX dollars that were all consolidated back in XXXX with XXXX at a great rate of 1.75 and I would be paying like XXXX a month for like 23 years. I was fine with it and paying monthly for 7 years. 
Then, I was contacted by FEDLOANHELP.ORG ( CROOKS ) to consolidate loan under a new federal program that would basically mean I pay the same amount but only for ten years. It was a plan for Obama to get all Americans out of XXXX debt in ten years for those who qualified. I recently got destroyed in business and was happy to hear about this and said sign me up. They took my tax info, pay stubs, verified who I was and what I owed and then came back with approval. They took over payments seamlessly and for all of XXXX I thought I was in the program paying monthly as usual. Then, I got a letter from XXXX saying my deferment period is over and I need to start paying. I contacted fedloanhelp to verify what I was paying and they said a computer issue put me in program but did not pay off my old debt and now I can not be part of the program. I contacted XXXX and they gave me a new rate based on where rates are now which 5.375 about 3.5 points higher than I previously had. Then, I was owed a refund from FEDLOANHELP on all funds paid but then after 30 days they said lack of funds be another XXXX. Then, after XXXX more they are saying bankrupt now. However, if call they are still pretending to be working and taking new clients. Now, I am back to my old XXXX loan year later with a new higher rate and everything I paid last year was stolen and not towards any loan of mine. They do not call or email me back on anything. The Thieves working as normal people are listed below but this is who I left off with XXXX XXXX who sounds legitimate on phone and tricked me completely in to waiting 60 more days while they continue to rip people off. XXXXXXXXXXXX Please make sure they are shut down so no one else sends money to these organized crooks
Complaint sub-issue: Problem with personal statement of dispute

this is notification to XXXX  and Equifax again, that I am a victim of identity theft. please see attached FTC and proper identification to support my claim
Complaint sub-issue: Debt is not yours

I reviewed my XXXX credit report and I was completely shocked to see Bloomingdales on my credit report. I have never opened an account with Bloomingdales. Someone used my personal information to open an account in my name without my consent. 

This is a fraudulent account that needs to be deleted and removed immediately from all three major credit reporting agencies immediately. 

Bloomingdales Account # : XXXX Balance : XXXX
Complaint sub-issue: Was not notified of investigation status or results

XXXX I am very upset having to do this for the second time. I sent a letter letter regarding inaccurate information on my credit report which resulted in my credit score dropping 134 points and still till this day 45 days later I have still yet to hear from the credit bruros. I know my rights the credit bruros have 30 days to reply or delete the invalid information.
Complaint sub-issue: Information belongs to someone else

simply they are difficult to get anything done, I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding XXXX XXXX min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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  has violated my rights. 15 U.S.C 1681 Section 604 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: Their investigation did not fix an error on your report

Report states account reviewed 73 months which is 6.08 years. Report also states account opened XX/XX/XXXX and closed XX/XX/XXXX which is 13 months - 1.3 years. Report shows a 5 year and 5 month discrepancy and must be deleted from my report.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my report. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law. I am not late on this account. My record shows that this account was Paid as Agreed and Past Due is XXXX. Please adjust accordingly the XXXX  XXXX XXXX Balance : {$260.00} - Late Date XX/XX/22 [ 30days ] to my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear Sir / Madame : I had contacted my credit card company, Citibank, to help reverse an {$80.00} charge from XXXX. The amount was from my XX/XX/2021 car rental. The first part of the amount was the Fuel Purchase Option, {$45.00}. And the other part was for XXXX XXXX, {$34.00}. 

I would've reviewed the agreement before leaving the airport after pickup. However, the attendant said the " system was down '' when I was checking the car out. So there was no rental agreement to preview. The only agreement I had was the one I used from my company 's travel agency. Which was for ~ {$190.00} for the week. 

As a matter of fact, I returned the car with a full tank. So, again, the FPO is not something I signed up for. 

I reached out to Citibank and it gave me a temporary credit which they now have reversed. Meanwhile, XXXX just sent me a letter saying I actually owe them {$80.00} when in fact I've already paid Citibank that amount and am waiting for the permanent credit. 

Appreciate your help in reversing {$80.00} from XXXX XXXX Citibank VISA. 

Sincerely, XXXX XXXX
Complaint sub-issue: Personal information

My old address is listed as XXXX XXXX, XXXX, XXXX XXXX with my employer at XXXX XXXX XXXX XXXX in XXXX, XXXX 1964. In 1964, I was in high school. I can not live in XXXX, XXXX and work in XXXX XXXX for a company that is long out of business.
Complaint sub-issue: Account information incorrect

Equifax continuously keep reporting a loan thy was closed and sent to a third party debt collector as a collection account. Debt was paid in full through debt collector.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX  XXXX, OH XXXX, XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OHXXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX. Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Complaint sub-issue: Other problem getting your report or credit score

I have been unable to request my report from XXXX, XXXX, XXXX, and XXXX monitoring services. They give me error dialogs which state that the issue is with Equifax.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX my wallet and phone were stolen. 
On XX/XX/XXXX, I reported the theft and the fraudulent charges to the Citibank the same day, immediately after I was notified of the charges. 
On XX/XX/XXXX I filed a police report with a police officer from the State of California Department of XXXX XXXX  XXXX, the department that has legal jurisdiction of the area where the theft occurred. 
I was credited the fraudulent charges by Citibank. However, on XX/XX/XXXX the credits were reversed. I was not notified in writing of the reversal and was not provided an explanation of why the credits were reversed. 
Citibank asked for a copy of my current driver 's license. I provided a copy several times in different formats ( pdf, png, jpg, and jpeg ). Security Operations at Citibank requested only this information and I provided it immediately using the secure link provided by Citibank. This was in early XX/XX/XXXX, XX/XX/XXXX. 
I have collected more evidence to submit my position on why I am not liable and did not authorize the fraudulent charges. I have made repeated attempts to speak to someone in Security Operations investigating the case, and made repeated attempts to speak to a supervisor. Citibank refuse to provide anything in writing, refuses to return my emails or voice messages and refuses to call me back.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Complaint sub-issue: Old information reappears or never goes away

I have an outstanding balance at XXXX XXXX. They reported me as delinquent to a credit bureau early last year but then removed it from my credit report. Removing the delinquent amount bumped up my credit score. IC systems ( I guess ) bought the delinquent credit from XXXX XXXX and reported it as " for collection '' on XX/XX/2019. I believe they are trying to " re-age '' this delinquent balance.