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 regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My account was charge {$510.00} on XX/XX/2021. I didnt purchase anything from this transaction. It is a fraud on my credit card. I dispute it and call the credit card several times, but they dont refund my credit back. 
They charge my account XXXX times and refund XXXX time, the credit card company still didnt refund my the {$510.00}. It is from my XXXX fraud. The XXXX didnt refund me neither.
Complaint sub-issue: Reporting company used your report improperly

have been disputing a Chapter XXXX Bankruptcy with LexisNexis since XX/XX/18 and have sent multiple letters asking for verification. LexisNexis ' last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis ' claim that their subscription to XXXX  was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I have received a letter from the US bankruptcy court saying that they do not report to the credit bureau.
Complaint sub-issue: Information is not mine

Equifax is ignoring my requests to investigate and remove fraudulent inquiries from my credit file that were not initiated by me.
Complaint sub-issue: Trouble with how payments are being handled

Ny loan was moved from XXXX to MOHELA. I received messages online stating I did not renew my IDR. The messages were dated XX/XX/2022 but received XX/XX/2022. My application for IDR was sent to XXXX XX/XX/2022. I uploaded the IDR form the same day, XX/XX/2022. I received another message on XX/XX/2022 that was dated XX/XX/2022 and stated they needed 10 more business days to process my IDR. As of XX/XX/2022 my IDR is still pending with full payment over {$500.00} due by XX/XX/2022. It has been over thr 10 business day and no response in regards.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Information is not mine

After reviewing my credit report I found that this fraudulent item was placed on my credit. at the time this item was establish XXXX. 

Account name XXXX XXXX XXXX {$4700.00} is a fraud item
Complaint sub-issue: Information belongs to someone else

In 2021 someone applied online to XXXX XXXX XXXX and took out a XXXX XXXX. This was not me. I found out about this fraud because the Department of Education filed a derogatory mark on my credit report for being 90+ days delinquent to repay approximately {$300.00}. I did not apply for Federal Student Aid, did not receive any money, did not apply or attend XXXX XXXX XXXX. I have completed all the appropriate paperwork and filed for a False Certification Loan discharge. They have denied it and now want me to submit fouXXXX signature samples, a court verdict/judgment which I can not obtain as this isn't considered criminal identify theft. I need some assistance to get this resolved as I can not refinance my home due to this derogatory mark on my credit.
Complaint sub-issue: Account status incorrect

I had a CITI commercial card that the military issued me, that ended up being a charge off. For some reason the XXXX did not complete the final voucher to pay the card in full before I dishcharged, although they signed it off on my out processing form. Unfortunately I had no knowledge of the delinquency and subsequent charge off due to the fact that I was contracting overseas in XXXX. I didn't know about the charge off until it showed up on my credit report. These cards do not normally report when the status is current, only when its charged off. I paid the card in full out of my own pocket. Although I paid it in full, it misreported in XXXX and tanked my scores by 35+ points. I called CITI directly and they told me they don't know why it would report that way and they aren't seeing anything on their end. I honestly don't believe they were taking me seriously. I sent in proof of payment and the misreporting on my credit reports. They responded with an email and case number annotating I will receive a response in 2 BUSINESS DAYS. Its been 2 business days and I have not received a response, which reinforces my initial feeling they are not taking my concerns seriously. I'm trying to buy a home in the near future, and this misreported derogatory information is suppressing my credit scores for a paid in full account.
Complaint sub-issue: Problem getting your free annual credit report

XX/XX/XXXX : I filed a dispute with all three credit agencies regarding a late charge that was reported as a result of charges accumulated from a stolen credit card.

XX/XX/XXXX : I am attempting to pre-qualify for a mortgage. XXXX can not pull my credit from Equifax as equifax is stating there is a fraudulent alert/freeze on my credit. I contacted Equifax where I was assured the alert would be lifted within 48 hours XX/XX/XXXX : XXXX still can not access my equifax report. I contacted equifax 4 additional times this day -- even conferencing in my mortgage loan officer. I verified my personal information and was also assured I did not have any type of block whatsoever on my file. On this same day, I attempt to obtain my free credit report from XXXX and equifax stated they will not provide it to me unless I resubmit multiple different forms of identification. This
Complaint sub-issue: Investigation took more than 30 days

As a Federally Protected Consumer asserting my rights, I have attempted to resolve this matter with the company in question ; XXXX XXXX XXXX. They simply responded by referring me to the collection agency that they sold/assigned the debt to and providing me with the copies of my original loan contract. Within that contract Ive found several violations where XXXX XXXX XXXX are criminally and civilly liable. My attachments provide proof of ALL violations under 15 USC 1601, 15 USC 1681, 15 USC 1692
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. 
Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX- XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I Checked my Credit Report and found a Fraud Account on my Credit Report and I asked the Credit Bureaus to investigate and remove the item because the account is a fraud account and does not belong to me. I also contacted the collection company and informed them the item is not mine and to remove the item from my credit report. I also filed a Identity Theft Report. I have taken all the steps as a consumer to get this matter resolved. I've attempted over the last couple months to get this matter resolved. Im disputing XXXX XXXX XXXX {$12000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$460.00} XXXX XXXX  XXXX Balance {$7.00}
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reach out to XXXX many times and advise them these companies did not have my permission at all to run my credit I have even reach out to the companies and they still have not remove them. I went to XXXX XXXX and got a car from them only and never went anywhere else. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous item listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These item must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these item, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Threatened or suggested your credit would be damaged

I am behind a few payments on a personal loan. This company despite trying to work with me over the phone continues to send me threatening letters saying they are accelerating my loan if all past due amounts arent paid. They said theyd do it by XX/XX/XXXX now they are saying theyll do it by XX/XX/XXXX. This is despite me making payments and trying to bring my account current. Their reps tell me 120 days until a charge off but their threatening letter say otherwise. Aside from this, repeated calls and emails to an excessive level. This is a very unprofessional company.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT ACCOUNTS IN MY NAME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.
Complaint sub-issue: No notice of investigation status/result

As part of the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), a letter was sent certified mail on XXXX XXXX, to Equifax, requesting the following information, and to date - Equifax has failed to comply. 

1. With the procedure that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX, in XXXX. The Business Name and address contacted for this dispute, ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX to Equifax in XXXX. The Telephone Number that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX in XXXX. With the procedure that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX, in XXXX. The Business Name and address contacted for this dispute, ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX to Equifax in XXXX. The Telephone Number that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX in XXXX. I am due a new and updated Credit Report, at the closure of each dispute item. 

I also have no updated Credit Report, and as per the same act - Equifax is mandated to supply XXXX to me and has not. 

Attached is the letter sent to Equifax on XXXX XXXX, 2015.
Complaint sub-issue: Received bad information about your loan

I relieved a notice by mail this week, letter marked XX/XX/XXXX, that my PSLF application was reviewed by MOHELA and found to be incomplete. The documentation I submitted was complete and accurate following the directions put forth by XXXX XXXX XXXX XXXX. The PSLF process for service members does NOT require XXXX OR PAYSTUBS be submitted for every year served in the XXXX. A XXXX and statements of service to MOHELAXXXX are sufficient according to regulation. I am not missing information so you need to process my application with the complete and accurate information you have in your possession. Stop making department XXXX XXXX employees, service members, go through additional hoops to get the forgives they deserved. I filled my orders and instructions to the letter of the law and its time your company did the same. You state in your letter you were unable to determine that my employer- the UNITED STATES XXXX is an eligible public service organization. ( What? That makes no sense unless the person who was reading and processing my application was a complete and utter XXXX. ) Fix it.
Complaint sub-issue: Debt was paid

I was hospitalized at the XXXX XXXX XXXX XXXX Hospital in XXXX XXXX, NJ from XX/XX/XXXX to XX/XX/XXXX for approximately 12 days. At the time, I had no insurance coverage. As a XXXX XXXX veteran, medical bill assistance was available to me. Additionally, the hospital had a program that enabled the forgiveness of all related debt for the hospital stay and treatment for which I qualified. Immediately after my hospitalization ended, I applied and was accepted into their medical forgiveness program. Within 120 days of my hospital stay, I received a letter from the hospital notifying me that the entire hospital stay and all related treatment debt had been forgiven. 

Approximately 9 months after my discharge from the hospital, I received a letter from IC Systems notifying me that I owed approximately {$6500.00} for an unpaid medical bill from the XXXX XXXX XXXX XXXX  Hospital of XXXX XXXX, NJ. I immediately called the hospital. During the call, I was told that I had no outstanding or unpaid medical bills. Further, the hospital spokesperson stated that not only was the information about the bill incorrect, but that the hospital did not use IC Systems to collect their delinquent debt. 

After I completed my inquiry with the hospital, I called IC Systems. Their spokesperson stated that she would look into the validity of the bill, but it was solely my responsibility to satisfactorily resolve the matter. IC Systems never followed up or acknowledged this telephone conversation. 

On more than one occasion, I have attempted to have this debt removed from my credit report with XXXX   and XXXX. The reply from both credit reporting agencies has been that the debt appears to be valid. I noticed today that IC Systems has changed the classification of the debt on the XXXX report to show that they are the lender and I am the " borrower '', as of XX/XX/XXXX. Clearly, that is an incorrect statement. 

The alleged debt is not valid. I believe that IC System, XXXX XXXX XXXX XXXX XXXX XXXX, MN is committing a fraud with the goal of collecting a fictitious amount at my expense. In the meantime, my credit score and family are suffering because IC Systems regularly modifies their notes to give the appearance of fresh or renewed collection efforts. 

At this point, I have been held captive by IC Systems for nearly 4 and half 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 : 1. Validate Account US DEPT ED XXXX XXXX XXXX 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. 
XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

3. Validate Account XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXXXXXX As a consumer by law this account must be deleted immediately
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2020 I open a new checking account whit a cash deposit of XXXX $ account # ( XXXX ) The Banks Name : TCF Bank Address : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Illinois PH # : XXXX On XX/XX/2020 The Bank put a hold on this account in the amount of XXXX $ Without any warning or paperwork for any reason why they are holding the XXXX $ from my account. 
So i called the bank and asked the reason why there is a hold on this account they told me that i owe them this amount from many years ago, so i asked the bank to release the hold on my Money the bank reply Refuse and told me to Authorize them to keep my money. 
Also I open another account on XX/XX/2020 account # ( XXXX ) in the amount of XXXX $ on XX/XX/2020 after they have put a hold of XXXX on my other account I withdrew the XXXX $ from this account and should have put this account in a new balance XXXX but the bank put this account in a XXXX $ balance.
Complaint sub-issue: Their investigation did not fix an error on your report

fraudulent accounts are on my credit report due to identity theft
Complaint sub-issue: Credit inquiries on your report that you don't recognize

An accordance with the fair credit reporting act XXXX  account number 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 without my written consent.
Complaint sub-issue: Their investigation did not fix an error on your report

I have advised Equifax on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX. I have never paid the XXXX XXXX   account late, I have never paid the XXXXXXXX XXXX account late, I have never paid the XXXX   account late. Equifax has yet to prove how they received this inaccurate information, and have not corrected the information following my proof that the information is inaccurate. Please help me get this matte resolved.
Complaint sub-issue: Debt was paid

Contract was cancelled due to the original creditor selling this debt to Jefferson Capital Systems , LLC. I have no contract or no legally binding documents with my signature agreeing to this debt with Jefferson Capital Systems , LLC.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX acct has violated my rights. 

15 U.S.C. 168