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

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 90 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, Title VI, XXXX XXXX, Subsection XXXX, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX 2020
Complaint sub-issue: Their investigation did not fix an error on your report

Im am writing in reference to a released tax lien that is reporting on my Equifax credit report as The lien has been released as of XXXX 2014I have filed numerous disputes in having this public record removed both by phone and by mail. Most recently XX/XX/XXXX which Equifax stated they obtained public record items from local, state and federal courts through a third party vendor. Equifax also stated : they reviewed the lien information and verified the public record item is reporting correctly.They further instructed me. that if I have additional questions about this item please contact XXXX XXXX XXXX, XXXX XXXX XXXX XXXX GA. Under the new law effective XX/XX/XXXX any public record data must include name, address, social security number, date of birth in order to appear in your credit file.Equifax has not updated the information and per that law the released tax lien listed does not include all the required information and should be deleted from my credit file.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2022, I sent a letter ( certified mail ) requesting a free copy of my consumer file because I had been a victim of identity theft. I attached my Driver 's License and Social Security card with the letter. CoreLogic Credco responded by asking me for more verification of my identity and they said a XXXX XXXX XXXX XXXX would be applicable. XX/XX/2022, I sent another letter ( certified mail ) stating that all sources and report recipients should also be included in my consumer report and that I've also attached all the requested verification of identity. XX/XX/2022, I received CoreLogic Credco 's response stating that they " do not have the report you requested based on the information you provided about yourself and the report. '' I provided more than enough verifiable identification and CoreLogic Credco refuses to release my consumer file, sources and report recipients. A full investigation for identity theft can not be done without the release those documents from CoreLogic Credco. CoreLogic Credco is in violation of 15 U.S. Code 1681c-1 ( 2 ) ( A ), 15 U.S. Code 1681c-1 ( 2 ) ( B ) and 15 U.S. Code 1681g
Complaint sub-issue: Debt is not yours

I checked my credit file and I saw account XXXX XXXX on my credit file. This collection agency is not licensed to collect a debt in the State of Texas and I would like for this account to be removed off my credit report. Account number XXXX and XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, I noticed over 60 pending transactions to XXXX XXXX XXXX. These charges were NOT made by me and were NOT authorized. I immediately called Citibank Fraud and Security to report the unauthorized transactions. 
After reviewing my credit card transactions, I submitted disputes to Citi for a total of {$15000.00} of charges to the merchant XXXX that I did not make. 
Cit credit card services did not send a text message or call me to question these transactions. They allowed the over 60 transactions of {$15000.00} to be approved. 
On XX/XX/XXXX, Citi stated I was responsible for the charges, stating they were not fraudulent since I had purchased from this merchant previously. 
On XX/XX/XXXX, I initiated disputes on all these charges claiming duplicate charges. The last charges I made to XXXX XXXX XXXX with my Citi credit card was XX/XX/XXXX. 
XX/XX/XXXX, I received a letter from Citibank , N.A . Security Services dated XX/XX/XXXX, stating that they completed their investigation and my dispute ( s ) is now closed. They stated that I was responsible because I had provided my account number. I dont understand, I provided my account information in XXXX. How does making a previous purchase to the merchant XXXX give them the ability to make endless unauthorized charges totaling {$15000.00}. 
Citibank stated if I wanted to pursue this matter further I needed to contact the merchant. I have contacted the merchant, XXXX who I believe to be a representative for XXXX. XXXX resolution was to add money to my gaming account which is unacceptable and allows a company to get away with making unauthorized fraudulent charges. XXXX, the representative from XXXX, also had me send my credit card statements so he could review my account. After I sent my statements, I haven't heard from XXXX. My account is deactivated and I have received no further responses from this merchant. 
I entrusted Citi dispute services to perform a thorough investigation to resolve this matter. The amount of unauthorized charges made to my credit card is financially and emotionally devastating and CRIMINAL. 
I work hard for my money. I DID NOT make these purchases. I have been a Citi credit card member for years and I expected Citi to protect me from XXXX, a merchant who is committing criminal fraud and theft by submitting numerous unauthorized charges. 
I did an internet search and found the CFPB. I am asking for any assistance you can provide. Citibank Security investigation outcome stated that I was responsible because I had provided my account number. This is unacceptable as a prior purchase to the merchant XXXX in XXXX with my credit card does not authorize XXXX to make endless unauthorized credit card charges. 

If any further information is needed please contact me as Im prepared do whatever is necessary to resolve my credit card dispute. 
I appreciate any assistance that CFPB may provide. 

Respectfully submitted, XXXX XXXX
Complaint sub-issue: Debt is not mine

Someone stole my identity and purchased phones from XXXX. In an out of state store. I have n't been out of state to purchase phones. 
This was a criminal act and I advised them of it. They still want me to report it to the police department. I do n't know when or where my identity was stolen to purchase these phones. If the company even took the chance to check to see if the person was actually me they would n't have sold the phones. They are messing up my credit with a {$1300.00} debt on my credit report.
Complaint sub-issue: Keep getting calls about your loan

Earlier in XXXX I enrolled in a program with Sallie Mae to forbear one monthly payment, and then reduce my monthly payments ( subject to re-negotiation ) for a period moving forward. I have proof of this agreement via a recorded call with a Sallie Mae representative. After the call, Sallie Mae refused to honor the agreement, and reported my account to collections, despite telling me I was in a one-month forbearance period. In addition to this mistake, they have called and emailed me 10 or more times a week reminding me to make payments, even though a payment is not due considering what was agreed to on the phone. I'd like to report Sallie Mae and their partners for predatory lending, misrepresenting loan information, and relentless reminders about loans being due, even when they are not.
Complaint sub-issue: Not given enough info to verify debt

XXXX I voluntarily returned a XXXX Truck to the Dealership asI could not afford the {$830.00} payments. A third party collector tookthat case to court, without even properly serve me. I have been paying on this debt XXXX. Never missed a payment. I have been asking them to send me a statement as to how they are applying the funds every month. I am aware there is an annual fee of 10 % that they charge. So far I paid over and beyond the amount due. They are refusing to provide me any kind of statements as to how they applied those monthly funds all these years. As far as I am concerned, I either already paid this debt or close to it. But I need to have a schedule of payments and when would my last payment be. 
Please let me know what steps I should take. Thank you.
Complaint sub-issue: Account information incorrect

On XX/XX/2022, XXXX XXXX XXXX provided paperwork stating the information reporting on a credit report is correct. XXXX XXXX XXXX provided a detailed payment history showing the end balance owed was {$7300.00} ( please see attachment ). 

On XX/XX/2022, letters were sent to said bureau requesting the information be deleted because the amount being reported is incorrect ( please see attachment ). According to the FCRA, all information reporting on a credit report must be accurate and must have supporting documentation and that document be provided when requested by the consumer. 

On the most recent report, XXXX XXXX XXXX is still reporting the account as a collection with a balance of {$17.00}, XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Derogatory information from the company XXXX  XXXX continues to be on all 3 credit reports. This debt has not been validated and keeps being reported on report since XX/XX/2015, I have repeatedly disputed this account and credit agencys only response is this is a accurate account.
Complaint sub-issue: Information belongs to someone else

Good Day my name is XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. A notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Complaint sub-issue: Reporting company used your report improperly

I was affected by the breach in information Equifax had in XX/XX/2017. They believe my information to be compromised, SSN, Address, DOB, everything. This is entirely unacceptable and I expect resolution. The entirety of my identity is now not safe and will require my constant monitoring.
Complaint sub-issue: Problem with rewards from credit card

I called citi bank regarding my XXXX credit card XXXX on XX/XX/XXXX. This card can be used anywhere but the rewards are redeemable for XXXX purchases. Apparently the XXXX credit card statement which we didnt receive had a {$580.00} XXXX reward certificate that expired XX/XX/XXXX. Their limited attempts to notify us involved sending emails which went to my wife ( XXXX XXXX ) spam folder. The representatives on the XXXX number are telling me there is nothing they can do and there isnt anyone that can reissue the {$580.00} certificate. If we had lost a certificate I could understand this response but we feel that our {$580.00} is being withheld regardless of the fact that we didnt receive the statement containing the certificate through the mail.
Complaint sub-issue: Problem with personal statement of dispute

I requested 3 times to have a bankruptcy removed from my account because of failure to provide me with the method of verification for this account, I was told by each credit bureau that it was verified through my courts and I would need to contact them upon contacting my court I received a letter from them stating they do not verify bankruptcy to 3rd parties. I then sent this letter to each bureau they responded by again sending me letters stating it was verified as correct. Upon asking them to provide me with the method of verification I again received a letter stating the same thing.
Complaint sub-issue: Information belongs to someone else

I mailed a dispute letter in accordance with the FCRA and the instructions listed on XXXX to Equifax info services on XXXX XX/XX/2019. Its been over 30 days and I have not received a response ( letter or phone call ). As of today Equifax has not blocked the items. They are still listed on my credit report. In accordance with the FCRA and XXXX they must block said items or delete them. Accounts disputed on grounds of identity theft were as follows : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I disputed an XXXX charge of {$570.00} with Citibank. I received a temporary credit and was sent a letter via mail from Citibank which I mailed back. Citibank has since be rebilled me for the charge stating they never received my response which is ridiculous. It also instructed me to follow up with the merchant which was the reason for the dispute because the merchant refused to cooperate with me.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX ( XXXX ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted XXXX XXXX telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.
Complaint sub-issue: Old information reappears or never goes away

Since 2010, I have battled the credit bureaus to remove or correct statutorily expired accounts, incorrect information, or to remove personal data that I do not want on my credit report. Routinely, these agencies have failed to consistently monitor and correct my report as is required by the Fair Credit Reporting Act. 

This complaint is a continuing attempt to hold the credit bureaus to the law. Not following the consumer protection laws, such as the FCRA, causes unnecessary hardships, and lost time on problems that these agencies are responsible to resolve as part of their mandate as consumer credit bureaus. 

Specifically, I have two complaints : 1. Student loans that have long since expired ( over six years old ), are still listed on my account ; and some of these loans, still show balances. None, are active or have balances. And, even if they did, if they're over six years old, should be removed from my credit report. 

2. Personal information that should not be shown on my credit report. Including : a. date of birth b, addresses c. phone number ( s ) The only personal information that should show on my credit report include : 1. my name 2. mailing address : XXXX XXXX XXXX, XXXX, TN XXXX. Or, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, TN XXXX. 

Hence, I am requesting the afore listed changes be made immediately.
Complaint sub-issue: Right to dispute notice not received

was not given any notice regarding this debt, therefor unable to verify its validity.
Complaint sub-issue: Account status incorrect

CFPB, XXXX, XXXX, Equifax, This is a brand new complaint as I just received a brand new letter on XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CFPB complaint # XXXX As per the letter attached to this CFPB complaint by XXXX XXXX XXXX XXXX XXXX XXXX ) please remove the below collection account from my credit reports immediately : Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX Attached to this complaint are : - My drivers license - My social security card - My current address - My letter to have this removed - The letter from the creditor, XXXX XXXX XXXX XXXX Please have this handled as soon as possible as this is affecting my credit and I am buying a home.
Complaint sub-issue: Information belongs to someone else

ID THEFT VICTIM CRA, HIPPA RIGHTS INACCURATE INFORMATION COSTING CONSUMERS MILLIONS OF DOLLARS POLICE REPORT CASE NUMBER ENCLOSED
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even to establish additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!
Complaint sub-issue: Personal information incorrect

I contacted Equifax in XXXX of 2021 and XXXX of 2021 regarding my address. I sent Equifax a copy of my lease agreement listing my current address and requested they remove the address they are reporting as it is inaccurate. As of today Equifax is still reporting an incorrect address.
Complaint sub-issue: Debt is not yours

A company named True Accord keeps sending me repeated emails harassing me about a debt that i do not owe. I don't know who True Accord is, i never received any goods or services from them, and i do not have any contract with them or the company XXXX XXXX who in the last email they are harassing me telling me that they will be taking this alleged debt that i don't owe back. I have not contacted True Accord by email or by phone, because i am scared that they are trying to use legalese to try to trap me into a contract that i don't have with them.
Complaint sub-issue: Information belongs to someone else

I'm sick and tired of Equifax removing the items then placing them back on my credit report. I was a victim of identity theft they won't allow me access to my online account I informed them I believe my ex who has my information is using my online account I've sent them request 10 times to update my address they have claimed they didn't get the info or when I fax they claim its not readable I've sent certified mail w/ tracking they claim they have no FTC report. One minute they correct the info then the next week the fraudulent information is added back to my report when I call about my own credit file that act like this is not my account. I haven't been able to get a copy of my credit report for years.
Complaint sub-issue: Was not notified of investigation status or results

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Identity Theft XXXX Date of inquiry : XX/XX/2020 The inquiry was not authorized please removed it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report. 
. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I MA VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXX XXXX 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 XXXX XXXX XXXX for other possible violations of the law.
Complaint sub-issue: Public record information inaccurate

On my background check report a charge from XXXX county appears as offense : XXXX XXXX. Type : XXXX   on XX/XX/2020. This is inaccurate. I have never been arrested for XXXX XXXX Police records data base should show this.