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

This is unfair and unacceptable. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and provide me with copies of any documentation associated with these accounts bearing my signature and authorizing an inquiry.
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
These items are effecting my ability to purchase a home.
Complaint sub-issue: Information belongs to someone else

Hello after looking at my credit report Im seeing inaccuracies, If Im mistaken please provide proof that I was indeed late, if no proof is provided I ask you remove the account from my report. ( XXXX XXXX ) is watching!!
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED IN MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Complaint sub-issue: Information belongs to someone else

I have a collection on my Equifax credit report. I have sent the company and the credit bureau letters to verify the debt and have asked that they provide me with the information they used to verify the debt. To date, no such information has been provided to me even though Equifax has stated the debt is valid and my credit file has been updated. I have advised Equifax multiple times that the debt is not mine since it can not be validated and that it needs to be deleted. I have also advised Equifax that reporting information that is not accurate is a violation of the FCRA. To date, they state the collection is valid, but have never provided me a signed copy of an agreement or any other information that validates the debt.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX .... Balance : {$260.00} ; XXXX XXXX XXXX XXXX .... Balance : {$30000.00}
Complaint sub-issue: Reporting company used your report improperly

I am summiting this complaint by myself and with no help from any professional. I have been reading and studying about consumer laws and our rights. 
After all the studying and research I have done I have been applying my rights to all appropriated institutions that had violated my rights, therefore I am summitting this complaint right now to Equifax , INC . 
I am submitting this complaint because Equifax, INC is in violation for furnishing 9 hard inquiries on my consumer report without my written instructions and without my permissible purposes. Which means that they are liable to me 9 times for violating 15 U.S. Code 1681n ( b ) 9 times.

I gather all my proof and mailed Equifax, INC a Notarized Affidavit Of Truth along with an invoice dated on XX/XX/2021, which they received on XX/XX/2021 as per USPS Express Mail tracking confirmation # : XXXX XXXX XXXX XXXX XXXX. 
I gave Equifax, INC the opportunity to resolve this matter amicably and gave them 20 days to comply, but I have not received any communications whatsoever so far.
Complaint sub-issue: Information belongs to someone else

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I have a police contact and report done, I also have contacted with FTC. These aee the items : XXXX, XXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX. lnquiries : 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

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 have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}. 

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: Denied loan

A few months ago, I had filed a complaint against AES for Deceptive and Unfair practices per a private educational loan for $ XXXX I had secured back in XXXX. See Complaint ID : XXXX AES had this student listed as someone who made an initial repayment on the loan and then suddenly stopped making further payments. This resulted in being Blacklisted as Defaulted Loan Presently 90 or More Days Delinquent. Indeed, AES had the following notation in my Credit Report ( CR ) : AES 120 - 149 Days Late. After initially complaining to CFPB about this deception, AES appeared to have fixed the report by updating the CR to reflect : Your account is current! However, to my dismay, I recently on XX/XX/XXXX, applied for a Grad Plus loan but was denied based on what AES was now claiming, that being, " Defaulted Loan Which Has Been Claim Paid. '' There is no doubt this labeling creates an adverse circumstance that resulted in this student being denied a regular XXXX XXXX loan. See attached copy of Letter of XXXX from Federal Student Aid.

At this juncture, it is important to note that " Any Title IV debt that is currently in default '' serves as a legitimate barrier for consideration for a student loan.
Complaint sub-issue: Personal information incorrect

My complaint is about my personal information is being reported wrong. 
They are housing these incorrect addresses on my report which I have tried several times to get these wrong addresses off my report which they are not mine and I have never lived there in by Law if I never lived at these locations to avoid FRUAD and they need to remove these incorrect addresses.. 

I contacted these XXXX, EQUIFAX AND XXXX on XX/XX/2022, XX/XX/2022 and they haven't resolve the issue. 

In addition to Equifax they are reporting the wrong birth date on my report and they I asked to to fix it several times and they still haven't fix this issue.
Complaint sub-issue: Account status incorrect

XXXX XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Complaint sub-issue: Old information reappears or never goes away

XX/XX/XXXX there was a collection account listed on my Equifax report with XXXX, XXXX XXXX XXXX for {$470.00} on the updated report dated XX/XX/XXXX the collections account was no longer listed ; it had been deleted. Now as of today XX/XX/XXXX the account is listed again on my Equifax report with the same collection company and same amount. This information is from XXXX XXXX. Once a collection is deleted it should not be added back with the same information originally deleted.
Complaint sub-issue: Debt is not yours

On XX/XX/2020, I reviewed my credit report because I am preparing to purchase a home. Upon review, I have a collection account from PMAB LLC. I have never received any notification from PMAB LLC notifying me of a debt. Nor did I ever receive any written notification from PMAB LLC regarding my right to dispute debt within 30 days or given any documentation proving that I have any obligation to pay any debt. Further, I have never had any contract or obligation to pay PMAB LLC. I don't owe any money to PMAB LLC, nor do I owe money to any third party PMAB LLC claims to represent. PMAB LLC has damaged my credit and violated my rights under FCRA and FDCPA. This account should be removed immediately, and if it is not, I will plan to sue to the fullest extent the law allows. PMAB LLC 's illegal and unwarranted actions have damaged my credit and my ability to obtain credit.
Complaint sub-issue: Deposits and withdrawals

The complaint is against Citi Bank. 

I tried mobile depositing a check from Department of Treasury into my checking account with Citi a few days ago. The check was for Covid overpayments in amount of XXXX. This morning I went to try to log into my online banking account which includes my checking account as well as a credit card account. It would not let me in. Keep in mind I have XXXX $ of my own money Ive had in there for months. I called customer service and they told me the account was blocked and transferred me to fraud line for verification. Waited on hold for TWO hours and a rep finally got on and inquired about the check from DOT. I gave all the details of the check in hand and she told me it was fraudulent and were immediately blocking all access to my account and closing the account. And that IF I had money owed to me it would be released to me within 60 days. If I have money owed? I have over XXXX of my money in there. I have a lot of money in that account and should absolutely not be blocked from accessing it as the Mobile check has nothing to do with my other funds. I asked for another rep and went back into the loop on hold for another three hours and no one ever picked up. So now I have no access to all my funds over a check that was NOT fraudulent and no direction. I went to another bank I have an account with today, not Citi, and they cashed it no problem. So Citi made a decision that was incorrect and Im being punished for it. I also tried calling supervisors on the personal account line and they told me they can not help me.
Complaint sub-issue: Information belongs to someone else

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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: Credit inquiries on your report that you don't recognize

Below is a list of unauthorized inquiries made on my credit file XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXf XXXX XX/XX/XXXX XXXX  XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I am on XXXX and my truck is financed with XXXX. This payment is being paid by XXXX insurance that was sold to me when I bought my truck. Recently the insurance company held up my payments on the truck when I was switching doctors. When XXXX received the payments to catch it up, they applied one payment ( XX/XX/XXXX) to the loan and the credit bureau is still showing that the XX/XX/XXXXand XX/XX/XXXX payment are past due. We have no idea what XXXX did with our payment and they wo n't fix or tell the credit bureau that we are current.
Complaint sub-issue: Debt is not yours

I contacted this company a while back and told them that I did not know anything about this account. I was told that they would investigate this matter and get back with me. I was informed about anything that resulted from the supposed to been investigation. Recently, I received a bill from this company which is a collection company. I expect Sezzle to do what they are supposed to do. There is no reason I should be getting a collection notice from a third party when Sezzle has not contacted me.
Complaint sub-issue: Debt was result of identity theft

It seem like Nelnet is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Nelnet claim that I own them money. They have not seem any proof or validation this debt. They have not given me the address and name of the original. They are putting false information on my credit report. I really believe that Nelnet being discriminated against me because I'm a XXXX male.
Complaint sub-issue: Trouble getting information about the card

My direct express card was locked on XX/XX/2022. I contact direct express several times between XX/XX/XXXX & XXXX XXXX XXXX I even contact the social security office like instructed on Monday XX/XX/XXXX at XXXX to update my phone number & email like told, at that point I was told it would only take up to XXXX hours to get my information updated & my card would be unlocked but when I called direct express once again on Tuesday XX/XX/XXXX at XXXX I told once again my information had not been updated & I was told that I could email them a copy of my ID to verify my identity which when I finally got an email to go Thur to them at around XXXX on XX/XX/XXXX they replied back they still could not verify my identity & to once again contact the social security office XXXX In the mean time me & my family have had to do without food & household supplies & if my card doesn't get unlocked by XXXX today XX/XX/XXXX our water will be shut off in the morning. I am need of help fixing this problem as quick as possible
Complaint sub-issue: Funds not received from closed account

US Bank reached out with a resolution. However, their letter states to speak to the branch manager which I have done several times. He suggested to wait longer and it has now been twXXXX months. Now, he is asking for me to provide invoices for deposited checks so they can be " verified ''. These requested checks have been deposited in the account for over a year and there have been multiple checks prior from the same companies over the span of the account being open. When the account was closed, I was told several times that I would have a check sent within a certain amount of days. During this time, a " verification '' process was never discussed as a condition of releasing my funds. As time went on, the time frames for the check increased. With this sudden request with lack of explanation or reason, I do not feel obligated to give them invoices.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXt, Account # XXXX Account NameXXXX XXXX Account # XXXX Account NameXXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX Account # XXXX Account Name- US DEPT ED Account # XXXX Account Name- USDOE/XXXX Account # XXXX Account Name-XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account NameXXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX Account Name- XXXX ( Original XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account NameXXXX 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: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to remove in my file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX  XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00}.
Complaint sub-issue: Account status incorrect

My XXXX  account has never been late and the balance is XXXX. I even called in the payment in full with my debt card They need to take off the late payment and correct the balance to XXXX.
Complaint sub-issue: Public record information inaccurate

Outline of my dispute with Equifax XXXX and XXXX Credit Bureaus / Reporting Agencies : XX/XX/XXXX - Requested an investigation of a XXXX  XXXX Bankruptcy via a letter sent standard US mail. 

All three reporting agency responded stating the XXXX  XXXX Bankruptcy was verified by XXXX XXXX XXXX. 


XX/XX/XXXX I contacted the Equifax XXXX and XXXX via a letter sent certified mail requesting an reinvestigation of a XXXX  XXXX Bankruptcy as via US certified mail. In which I provided all three reporting agencies with a letter from XXXX stating that XXXX was unable to verify the accuracy of the bankruptcy. 

All three reporting agencies responded stating the account is verified accurate. 

XX/XX/XXXX I contacted the Equifax XXXX and XXXX via a letter sent certified mail requesting they provide me with the Method of Verification for XXXX  XXXX Bankruptcy. 

XXXX responded stated that the company that reported the information has certified to XXXX that the information is accurate. - despite me providing the letter from the company ( XXXX ) admitting that they are unable to verify this account. 


XXXX XXXX stated that the XXXX  XXXX Bankruptcy is verified by the furnisher USBK Court New Jersey. - I have provided a letter from the US Bankruptcy Court of New Jersey stating that the court does not report information directly to the credit bureaus / reporting agencies. 

Equifax stated that the account information was obtained from third party vendor XXXX XXXX XXXX- despite me providing the letter from this vendor acknowledging that they are unable to verify this account. 

Despite countless efforts of providing sound evidence of the inaccuracy and reportability of this XXXX  XXXX Bankruptcy to Equifax XXXX and XXXX Credit Bureaus XXXX XXXX XXXX they refuse to remove this inaccurate item from my credit report. The credit bureaus failure to ensure that the information they are report is verified and accurate is having injurious impact on my life and ability to trust the systems.
Complaint sub-issue: Investigation took more than 30 days

I mailed dispute letters to XXXX, equifax, and XXXX on XX/XX/21. It is now XX/XX/21 and I have yet to receive one response back. Per FCRA law, if the investigation takes over 30 days the credit bureaus are supposed to remove the disputed information. I am requesting that you enforce the 30 day rule and have XXXX, equifax, and XXXX  remove the accounts I disputed on XX/XX/21.
Complaint sub-issue: Information belongs to someone else

My XXXX XXXX XXXX XXXX XXXX credit card # XXXX is lost/stolen, and all the transactions are fraudulent and unauthorized.
Complaint sub-issue: Was not notified of investigation status or results

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. I know that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6900.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6500.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$510.00} ), XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXXXXXX, Open Date XX/XX/XXXX, Balance : {$2400.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.