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

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

Afni, Inc has placed a collection on my credit profile claiming that I owe {$76.00} to XXXX. I have NEVER had an XXXX  account. I've mailed letters to this company TWICE and have not received one single reply. This company is tarnishing my credit worthiness for no apparent reason.
Complaint sub-issue: Their investigation did not fix an error on your report

Consumer Financial Protection Bureau RE : Ally Financial - Error in reporting After numerous attempts and requests, I hereby am sending another request to CFPB asking if you can assist me in having Ally Financial to comply with the laws applicable to verifying the reporting of payments. 

Ally Financial has submitted corrections to the account by shifting the current and ( 30 ) thirty day late payments from one month to another as follows : CORRECTED TO SHOW : PREVIOUSLY SHOWED : XX/XX/XXXX Current XXXX XXXX 30 Days Late DXXXX XXXX 30 Days Late XX/XX/XXXX Current XX/XX/XXXX Current XXXX XXXX 30 Days Late XXXX XXXX 30 Days Late XXXX XXXX - Current All Ally Financial did was move the payment history around. It still shows two ( 2 ) Late payments. These payments were adjusted due to the pandemic and paid according to the updated agreement, but they have never corrected their reporting. 

Ally Financial has maneuvered two monthly payments for over a year now and are hindering my credit report from being accurate. I have requested that they adhere to their letters to extend the due days which would have made my payments Current, and not 30 Days Late.
Complaint sub-issue: Problem with statement of dispute

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX The inquires are not a factual report of access to my credit report, it was placed on my credit report my mistake. I have contacted the companies and they do n't know who I am. 

These are mistakes look at how may inquires there are IT IS INSANE TO THINK THAT SOME ONE WITH MY GOOD CREDIT WOULD DESTROY IT LIKE THIS ... .THINK ABOUT IT????? 
REMOVE THE INQUIRES DO NOT USE THE e-OSCAR system give this call to a supervisor TO REMOVE THE INQUIRES PER THE FCRA SHOW HOW THE INVESTIGATION WAS DONE DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE!!!!!!!! 
DELETE XXXX DELETE XXXX DELETE XXXX XXXX DELETE XXXX THEY DOD NOT KNOW WHO I AM AND HAVE NOTHING TO SHOW I APPLIED FOR CREDIT. I DID N OT APPLY FOR CREDIT!!!! 
EQUIFAX GAVE THEM ACCES TO MY CREDIT NOT ME!!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX Balance : {$66.00} XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/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

Federal Student Loans Reporting on my Credit Report XX/XX/2018 {$2300.00} XX/XX/2018 {$1300.00}
Complaint sub-issue: Investigation took too long

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 60 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

While on vacation, I booked a rental car through XXXX with XXXX on XX/XX/2022. When we picked up the rental on XX/XX/XXXX, XXXX gave us an invoice for {$490.00}. I signed for this amount with the understanding that XXXX would temporary place a hold on our credit card for a security deposit in the amount of {$200.00} ( plus a deficiency in the payment voucher from XXXX of {$8.00} for a total of {$200.00} ). The security deposit would not be charged against our account if we returned the vehicle. We returned the vehicle on time XX/XX/XXXX. On XX/XX/2022, XXXX charged my credit card {$100.00}. On the same date, XXXX emailed us a new invoice ( which did not contain my electronic signature ). The new invoice included all the same line items except a new line item " O5 '' in the amount of {$82.00} plus additional taxes in the amount of {$13.00} ( the tax amount increased from {$47.00} on the original invoice to {$61.00} on the new invoice ). I contacted XXXX but did not receive a satisfactory response about the charges. I contacted my credit card company, U.S. Bank, to dispute the additional charges. The credit card company sent my a dispute form, which I completed and returned on XX/XX/XXXX along with a letter detailing the history of the transaction with XXXX. Periodically, U.S. Bank sent text messages telling me that the bank was investigating my dispute. They forwarded me XXXX 's response, which did not explain the O5 charge. I responded. On XX/XX/2022, U.S. Bank sent me a letter, denying relief on the disputed charges. The letter stated : " After reviewing the information that has been supplied, we have determined that we are unable to assist you in resolving your dispute. We have determined the disputed transaction is a difference in pricing rather than an incorrect transaction billed to your account. Unfortunately, the price was not provided in writing prior to the transaction being processed. '' I did not find this explanation satisfactory, so I contacted U.S. Bank customer service. On the morning of XX/XX/XXXX, XXXX from the fraud investigation department of U.S. Bank returned my call. According to him, the bank was denying my claim because I authorized the transaction even though I had not authorized the amount charged to my account. I analogized the situation to a restaurant transaction where a server charges a higher tip than authorized, but XXXX said the bank could not help me. I feel that U.S. Bank is being complicit in the fraud that XXXX has committed against me by charging a different amount than I authorized at the time of the transaction. A review of the two invoices makes it obvious. The fraud investigation department of U.S. Bank appears incompetent at its job or willingly overlooking the fraud perpetrated by XXXX.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Employer : XXXX Date Updated : XX/XX/2021 XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you 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

This is my 3 time sending this report of wen my identity got stolen and fraudulent accounts were made with my credit I send numerous reports to the creditor and no response at this time the creditor are in violation of the FDCP
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$1800.00} XXXX XXXX {$2000.00} XXXX XXXX {$2000.00}
Complaint sub-issue: Information belongs to someone else

For months I have been disputing the incorrect items on my credit reports with the 3 credit bureaus XXXX, Equifax and XXXX  and none of these companies are providing verification or validation of any of these items within the legal time allowed.
Complaint sub-issue: Account information incorrect

I have contacted Equifax repeatedly about an old account with XXXX XXXX The account has been deleted and removed from my XXXX   report due to XXXX XXXX inability to resolve the situation or to offer resolution .... Equifax is just as guilty as XXXX XXXX and they seem to be operating on some behind the scenes business partnership level .... I need this XXXX XXXX account removed from my credit report as per my XXXX report. This is causing my credit score to spike and drop every month. It is absurd! They also lost all my data to hackers and I submitted a claim for damages which they appear to be retaliating against!!! This company is the evil corp for the show XXXX XXXX  They will be remembered as an evil company. They should not exist! We do not need 3 credit reporting agencies, especially when this one is purposefully leaking our data on the internet to sell their services ... .. This has to be stopped!!!!!!
Complaint sub-issue: Attempted to collect wrong amount

First, This debt is a result of an apartment rental lease, in which my dependent/student niece was only name as an occupant. From day one, I made numerous complaints in reference to bugs, flooding and mold, to name a few. I made numerous calls to maintenance, management and even the emergency line about the flooding. My mother was visiting from XXXX and my niece has both XXXX and XXXX to XXXX ( XXXX ), so it was beyond awful. I had been deceived by the initial walk through as the walls were freshly painted and carpet was new. Once I decided to vacate, I informed XXXX in advance, in writing, with no timely response. Partly due to onsite management changing 3 times within the 3 months of my stay. Once I spoke to management and then upper management at XXXX, I was asked to leave within days, which was not doable. I even tried to pay and assured the company that not only would I pay, Id surely leave the dwelling in better condition than I found it. I have many photos as proof. Not only did they return my final payment to me, They attempted to collect beyond what was due ; dispite the fact that the apartment was rented to an XXXX family ( with whom I visited ), within a few days of my moving, which is illegal in XXXX Once, I received notice from the collection agency ( after it was forwarded by USPS from my previous address ), I responded to dispute the bill via phone calls, email/fax and via their websites ' portal. I made contact with and/or wrote letters of complaint to various governmental agencies.agencies. I have n't heard from them again, until recently ... Rent recovery called my mothers ' house in XXXX in an attempt to reach my niece, who did not sign and has never signed a lease. Since, they have even put the negative debt on her credit report, as well!!!
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Old information reappears or never goes away

This Company consistently redates a debt on my credit report. They are now saying I opened a XXXX account in XX/XX/XXXX and I owe XXXX. This is a lie. I had XXXX acct in XXXX and closed my account in XXXX. Never ever have I had XXXX since then. 

I have fought to for them to remove the incorrect information. For several years with XXXX  and XXXX. 


JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX
Complaint sub-issue: Information belongs to someone else

This is so despairing. What is happening with you Equifax XXXX XXXX credit Bureaus? FYI, this debt was paid to the original creditor and has no business continuing to report it as a collection account. In fact, I never had a contractual obligation with this collection company and they are fraudulently claiming I owed them! Please review your records regarding this accounts, as we have established the bureau 's propensity for reporting inaccuracies. You are violating Fair Credit Reporting Act law section 611 for reporting inaccuracies on my file. This will be my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX XXXX : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$82.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}
Complaint sub-issue: Can't use card to make purchases

Made several deposits through XXXX and XXXX XXXX onto my cash app card to have money on my cash app prepaid card to pay my bills. After depositing funds woke up to login to my cash app account and my cashtag and user information no longer existed. I just disappeared like I never existed. Since I couldnt login to my cash app account I could submit complaint under my cashtag or user name. So I had to create new cash app account with new cash tag name to file complaint on my mystery missing account. I sent several emails and complaints to cash app with proof of my deposits, debitcard with cash app, copy drivers license and etc. Proving this was my cash app account and asking to please help me regain access to my funds. They said they couldnt this was at the beginning of XX/XX/2021. Still no resolution to my ripped off funds.
Complaint sub-issue: Can't use card to make purchases

After reporting Citi 's fraudulent late charge to the relevant credit bureaus, they vindictively locked my card and forced me to call in to regain access to my account. I believe this is yet another clearly intentional and vengeful act this company has perpetrated against me for reporting their felonious activities. The company is angry they've lost a customer and are trying to attack me to prevent me from spreading the word about their untrustworthy business practices.
Complaint sub-issue: Investigation took too long

I disputed a few items on my credit report from Equifax and it 's been like 75 days and the disputed items are still in a pending status. I 've called several times and a representative never answers the phone.
Complaint sub-issue: Information belongs to someone else

There is an account through XXXX Bank showing on my credit file as a charged-off account I have called this company to find out what this is and they do not have anything in their data base with my information. I have disputed this and still this company list this inaccurate data on my credit file. Please help
Complaint sub-issue: Other problem getting your report or credit score

My credit report shows no score or any debts anymore. Ive tried to reach out to the credit karma and XXXX, but to no avail. Everything just disappeared.
Complaint sub-issue: Was not notified of investigation status or results

There has been a collection debt that was placed on my credit report a couple months ago, i disputed it with the credit agencies and they showed me nothing in return. I reached out to the collector and got into agreeance that if i paid the balance in full that the account would be removed out of my name and credit report. I made the payment on XX/XX/XXXX and i received the receipt with the letter stating our agreement for me to send off to the bureaus to have them remove it as quickly as possible. I just want to make sure i add in the CFPB into the mix of this thing so that the three credit bureaus will do their job and not do anything.
Complaint sub-issue: Reporting company used your report improperly

Equifax has recently announced that they have been affected by a cyber security breach that has allowed the personal information of millions of Americans fall into the wrong hands. According to a tool offered by Equifax to check who has been affected, it is likely that my own information was also included in the breach, meaning someone almost certainly has my personal information due to irresponsible safeguarding of said info by Equifax. This breach occurred only one month after my credit history began. My new credit history has no negative marks on it, and has a credit score of around XXXX, which makes my very concerned that my personal info will be considered " valuable '' by potential identity thieves ; I feel as though my information is more susceptible to being used fraudulently. I am also concerned that whoever may have access to my information might not use it for a long period of time in order to avoid the 90 day fraud alert, as well as to wait until I, and many others, have let our guard down and may not be monitoring our credit reports as closely as we will be immediately after the breach. 

Equifax is entrusted with our most sensitive personal information, and allowing a situation to occur where the information of millions is given out to unknown, unauthorized persons is disappointing, and very frightening.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I submitted a dispute for two small medical collections from XX/XX/XXXX. They are duplicates so only one account should be reporting. Further, insurance paid the bill so it should not have gone to collection. Originally it showed up as two collections for XXXX dollars and showed paid and closed in XX/XX/XXXX. After dispute it now still shows as two collections for the same amount but makes it appear that they were just paid and closed on XX/XX/XXXX. When I call to discuss with equifax they tell me that my security answers do not match my profile so they can not discuss my report with me. I was reading the answers to their questions about my active accounts directly from a current Equifax credit report so not sure how it was not matching. So they not only botched the task of removing the collection, which the other two bureaus did in less than a week, but now they are giving me the run around by telling me they cant discuss their error with me over the phone and I have to mail in my information and drivers license to them. How could my information not match what is on my Equifax credit report? I am trying to purchase a home and those collections are the only blemish on my credit. By making them look like they are from a week ago it dropped my score 10 points. I need this resolved ASAP. At the very least remove the duplicate and put the date in the other back to closed in XX/XX/XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

Collection agency IC Systems is reporting a {$190.00} debt from XXXX XXXX XXXX to XXXX XXXX. This debt is from 2007 and is being report as 2 years and 3 months old. I recently disputed the information with XXXX XXXX however, the results did not change the inaccurate information being reported. Their contact information is : XXXX XXXX XXXX XXXX  XXXX, MN XXXX United States XXXX