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

Equifax reports limited credit experiance on reporting due to which i am not able to get the requred loans for my personal and business.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt was paid

After obtaining my consumer reports, I noticed on my XXXX report that there is an unpaid account from PlusFour Inc. I am not aware of who this company is and why they are trying to collect a " debt '' from me in the amount of {$250.00}. It states that the original creditor is XXXX XXXX XXXX, but there is not an outstanding debt, as my insurance has paid this. I have never received any written documentation from PlusFour, Inc., regarding the validation of this " debt '' or how to dispute ; it just appeared on my consumer report on XX/XX/2022. This " debt '' is considered invalid. I request that this account be deleted and completely removed from all consumer reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to inform NexisLexis that I recently received a copy of my credit report that your company publishes and after reviewing it I found several bankruptcies on my XXXX, XXXX, and XXXX  that are inaccurate. Them being an 3rd party company reporting incorrect information are damaging my reputation and credit worthiness. I requested they supply me with the actual documents and I received letter starting they received the information from XXXX  and they do are not apart of the resolution. 

I went to US BKPT CT Tx XXXX have email me which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third- party providers who collect information regarding public cases from public records. 



.
Complaint sub-issue: Reporting company used your report improperly

I was part of the massive Equifax hack and had my personal information stolen. I have sense then put a fraudulent alert on my account.
Complaint sub-issue: Attempted to collect wrong amount

Hello, I switched phone carriers back in XXXX  from XXXX to XXXX XXXX XXXX. I paid my phone off and made the switch. I am now seeing on my credit report a balance owed to them of {$5100.00}. I have tried to reach out to the company and have not been able to make contact with anyone and dispute it directly with them. I don't understand why or how a phone carrier could charge this much for leaving their company.
Complaint sub-issue: Information belongs to someone else

I have already sent documents to all credit bureaus to remove unverifiable accounts from my credit report and still have yet to be remove please remove now
Complaint sub-issue: Deposits and withdrawals

XXXX XXXX Senior Vice President, Consumer Complaint Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX Re : Data Breach on Account Number XXXX Citibank allowed my savings account to be breached on XX/XX/2019. ( as per attached document ) I am requesting a direct answer from Citibank as to why this data breach occurred? I have banked with Citibank for over ( 30 ) thirty years. I believe that a loyal customer like myself is entitled to complete disclosure as to why this happened? More importantly why it hasnt been resolved? Customer Service tells me that they will make a decisions within ( 10 ) ten days as to return the ( {$7000.00} ) XXXX XXXX XXXX XXXX dollars, without any explanation as to why it was allowed to be taken out in the first place? This was a simple fraudulently ACH transfer to XXXX  XXXX XXXX, Why wasnt XXXX  XXXX XXXX contacted immediately, to find out who and where this money was transferred too? This money should have been released immediately. 
I was requested by my bank representative ( XXXX XXXX ) XXXX XXXX Ca. Branch located @ XXXX XXXX XXXX XXXX. XXXX XXXX, Ca. to remove the majority of the money from this account, and to leave it opened, To open a new account, with a new account number later? Without any concern as to when the money would have been released back to my account. 
After reporting this I filed a police report with the XXXX XXXX Sheriff Department. They recommended me to contact all ( 3 ) Credit bureau 's and lock my accounts. In which I have done, however this required ( 3 ) three days of filling out forms, making phone calls, and several correspondence with these three bureau 's. Now the fourth day to contact Citibank via this letter. 
Im a senior citizen with several health problems, this has added to the stress in my life to the point that it is effecting my health. I havent eaten, or slept well since this occurrence. 
In addition it is near XXXX and the funds that the bank seems to have Lost were funds I expected to use during the holidays. 
This is totally unacceptable to me, I have contacted my attorney XXXX XXXX of XXXX and XXXX XXXX   firm, in XXXX XXXX, Ca. they are looking into this breach as well. 


Awaiting your Reply : XXXX XXXX
Complaint sub-issue: Threatened to sue on too old debt

I called Grant & Weber and I told them I wanted to settle my debt which shows {$970.00} on my credit report, the agent started to tell me I was very irresponsible for not paying, told me I once called saying I was not going to pay anything and that my balance now was {$1500.00} that he was going to sue me and and at this point he was not going to give me a deal. He raised his voice and made me feel threatened and frustrated. I called to pay this debt and got insulted and treated really bad.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/ contacted XXXX services in regards to unauthorized inquiries showing on my XXXX credit report. 

XXXX XXXX XXXX  - CBNA  ( not authorized ) XXXX XXXX XXXX -THD/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITIBANK NA XXXX XXXX XXXX XXXX XXXX XXXXCBNA XXXXXX/XX/XXXX, XXXX XXXX Card service
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 120 past due on XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 past due on an account with a {$0.00} balance and {$0.00} past due.
Complaint sub-issue: Public record information inaccurate

I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. 

I have over 13 inquiries below on my credit report in which I didn't give anyone permission to pull my credit report. Also, my real name is XXXX XXXX XXXX I need Equifax, XXXX, and XXXX  to investigate with each company. To make sure they have a signed document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report. 

Also. I like to inform you that there are judgment and civil judgment on my credit report in which I have never done any business with the company that placed the judgment on my credit report. I like for the two credit bureaus to provide documentation that proves I have done any business with the company who placed the Judgement on my credit report and civil Judgement on my credit report. 
Finally, there is an address XXXX XXXX XXXX, XXXX, PA XXXX. I have never lived at this address I only lived in Texas only. Then there are jobs on my credit report that I have not worked at because I have been in business since 2004. I am the XXXX  of XXXX XXXX XXXX  and Part XXXX  of XXXX XXXX   XXXX XXXX XXXX. 
I am going to provide two different copies of my credit report so, Equifax, XXXX, and XXXX  can review both reports. 

The companies below did not have the right too pull my credit. 

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: Other problem getting your report or credit score

( LEXIS NEXIS ) THIS IS MY 3RD ATTEMPT CONTACTING YOU.YOUR REPORTING INFORMATION THAT IS HARMING MY PERSONAL LIFE WHICH IS INVADING MY PRIVACY.YOU AND YOUR CORPORATION NEVER SENT ME A LETTER TO LET ME KNOW NOR HAVE I ( XXXX XXXX ) GAVE YOU CONSENT TO SHARE MY INFORMATION WHICH IS A VIOLATION 15 U.S. Code 6802.ALSO IT IS A VIOLATION OF 15 U.S. Code 1681 YOUR COMPANY DIDNT exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 USC 1681b a consumer reporting agency may furnish a consumer report under the following circumstances and no other To a person which it has reason to believe or In accordance with the written instructions of the consumer to whom it relates. You have 30days from when you received this letter to respond back if you do not respond I will be force to take actions for the said violations.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  stipulated in a CFPB response that they were to notify all credit reporting agencies to erase all student loans from my personal credit bureaus. XXXX and XXXX XXXX did fulfill that request. Equifax missed the opportunity, but there is a possibility that XXXX  did not relay the information to Equifax. Is there a possibility that Equifax could complete the task and eliminate my student loans immediately> A quick response back will be greatly appreciated. Thank you. 

XXXX XXXX XXXX RESPONSE COMPANY 'S INTERIM RESPONSE The response to your Consumer Financial Protection Bureau inquiry from XXXX XXXX XXXX XXXX XXXX ( XXXX ) /XXXX XXXX XXXX XXXX XXXX XXXX XXXX Servicing is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly. 
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response The Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX XXXX XXXX ( XXXX ) performed a review of your account. Please Note : XXXX conducts its student loan servicing operations commercially as XXXX XXXX XXXX and for federally-owned loans as XXXX XXXX. In your inquiry you expressed concern regarding information submitted to the consumer reporting agencies regarding your account. We received and investigated your complaint regarding loans for which you were on record as the endorser. Based on our preliminary investigation, we have submitted to the consumer reporting agencies to remove the loans from your credit report, until we can perform a full investigation once the borrower completes and returns the Fraud Packet that is being sent.
Complaint sub-issue: Information belongs to someone else

Have accounts appearing on my credit report that are effecting my household negatively and i have tried to contact the company and have gotten nowhere because I do not know any details about these account, what I do know is what is listed below. The account info that is listed on my credit report is listed below. 

1 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$4000.00} balance owed {$6000.00} 2 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$3800.00} balance {$4700.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent documentation to all 3 credit bureaus showing that XXXX XXXX XXXX finance was paid off in full by my insurance company and they have not removed the negative comments that is defaming my character. This auto loan was taken out in XXXX. 
I totaled this vehicle on XX/XX/XXXX. Bureaus are reporting this account as being in a bankruptcy in XXXX. How was this vehicle in a bankruptcy in XXXX when it was totaled and paid for in XXXX?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX. # Account XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX 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 with written instructions.
Complaint sub-issue: Information belongs to someone else

i dont and never had a XXXX XXXX account. it is now showing in collections on my credit report
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, XXXX failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I called Citi Bank XX/XX/2018. My request was that they please keep the interest rate where it is now, as I can not keep paying the minimum payments while the Interest rate keeps increasing. The account was closed ( myself ), and I have been making the minimum payments and never have been late. 

They refused to either keep the Interest rate where it is now, or take lower ( reasonable ) monthly payments. 

I informed them that if they don't work with me the minimum payments will be too much. I have offered them {$80.00} per month and please keep the Interest rate where it is. 

This is my obligation and I do want to pay it. I am not looking for a way out, it is my responsibility. Just please, work with me with in this matter. 

The response was this : They can not help UNTIL I make a payment that is LESS than the minimum due. At that point, it may be determined that there are financial difficulties. Why do I have to go to that extreme in order to receive help and cooperation? 

Would Citi Bank please, please be reasonable? 

Thank you for your time and consideration.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Personal information

They have n't removed XXXX address where I have never lived and it has caused me problems when I apply for credit. The addresses are XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXXXXXX I have lived in only XXXX states in the past 45 years and that 's XXXX and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have repeatedly dispute the following items several times and the credit reporting agencies have refused to remove them from my reports. 

XXXX XXXX XXXX {$3900.00} XXXX XXXX {$4400.00} XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$7500.00} All have accounts reporting to the credit bureaus and none have provided me any information of me signing documents or doing any business with them directly. I have demanded 3 times that these items be remove or verified that i have direct business with them and I have not received anything.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Information is missing that should be on the report

my current address is not showing on my equifax and XXXX report,
Complaint sub-issue: Personal information incorrect

The credit bureaus have over XXXX variations of my name collectively. I have never used any other names to secure credit except my legal name. In the history of my credit my report should only reflect XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have not used any other names and would like to have my credit file updated. Within the XXXX months that name variation increased on my XXXX.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX is reporting an inaccurate late payment on my account. This is a violation of 15USC1666 ( B ) Correction of Billing errors. I've talked to them multiple times about this issue and they advised me to dispute the issue with the consumer reporting agencies. After multiple failed dispute attempts, it remains on my consumer report.
Complaint sub-issue: Investigation took more than 30 days

XXXX- XX/XX/XXXX XXXX. XXXX team XXXX I spoke with XXXX about my validation request, that was sent originally on XX/XX/XXXX. XXXX did not respond to my request. On XXXX/XXXX/XXXX I sent a demanding request certified letter to have the bankruptcy information removed from my credit report due to negligence on XXXX. The rep stated they have 30 days to reply to a bankruptcy validation request by law. I correct the rep by stating they have 15 days and I gave them an extension before I followed up. The rep stated they have not received anything from me since XXXX. Which was a lie I have been disputing info off my credit for 3 months via phone/mail, Ive received several correspondence from XXXX. I advised the rep I will move forward to the next step which is file a complaint with the FTC an file a lawsuit if this matter is not addressed properly. 

XXXX XXXX XX/XX/XXXX I called back and spoke to gabby from XXXX she stated they received a letter requesting the bankruptcy be in dispute on XX/XX/XXXX and they sent a letter out on XX/XX/XXXX said the letter stated the bankruptcy would remain on the report! I asked a XXXX did They responded as if I sent in a dispute and not a request for validation she stated yes! I also mentioned the pursuant to 15 usc 1692g sec 809b of the FDCPA and stated they are not following that statue XXXX replies they do not have to and hung up. 

XXXX XX/XX/XXXX XXXX I spoke with XXXX from Equifax she stated the letter I sent in had to much information on it. She asked what did I want shes not understand. I advised I wanted a letter of validation and the letter was very detailed and due to negligence on their end for not sending the requesting info. XXXX stated they just found the validation information, and this was a voluntary bankruptcy. XXXX states there is no way or reason she can send it by mail. It is just information they obtain from different places and we do not have a way of sending that to you in the mail. I advised I will go higher and file a complaint. 

XXXX- XX/XX/XXXX XXXX. XXXX is who I spoke to from XXXX she stated my credit report is handled by specialize fraud team and transferred me to that department at XXXX XX/XX/XXXX XXXX stated she received my letter validation request and XXXX   XXXX the results and the bankruptcy will remain. They disputed this information XX/XX/XXXX. And againXXXX XXXX. They have verified the information given. The third party outside the court house verified the information. You cant send a request of validation without a dispute it first. XXXX advises they handled this as a dispute. In my original letter I advised each credit bureaus THIS IS A LETTER OF VALIDATION ONLY! Each credit bureau ignored my request and decided to dispute this information without my consent and request. Each bureau ignore my request of validation. I am requesting this information be removed due to the bureaus negligence.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have 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 accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$240.00}
Complaint sub-issue: Problem getting report or credit score

Equifax keeps me on hold for hours trying to get my report
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an account that i found to fraudulent on my credit reports. The end result was the account was deleted/ removed from my XXXX report. I contacted the other ( 2 ) CRA, Equifax and XXXX and they have not removed the negative information. It is my understanding that the creditor reports the same information to all Credit Bureaus as expected under the FCRA, and i requested via phone and certified mail that this account be removed immediately.