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

So my name is XXXX XXXX and my information was impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person. This letter is a formal complaint that Equifax is reporting inaccurate and incomplete credit information. I am distressed that Equifax have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I demand these accounts be deleted immediately or I am filing for litigation. I am educated about FCRA Laws and that law plainly stated that a failure to investigate these items within Thirty days gives a reason to immediately remove those items from my credit report it has been over THIRTY days so they should be deleted promptly. I am an educated woman and I know the laws and my rights.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018, I sent a debit validation letter to XXXX XXXX asking them to send proof of the debit they say I owe. I sent a certified letter to the creditor. This certified letter was delivered on XX/XX/2018. I have yet to receive a response from the collection company validating this debit. I ask the credit reporting agency to validate the debit and they have yet to validate this debit. By law they have 30 days to response to a consumers request. Please check into this matter immediately.
Complaint sub-issue: Debt is not yours

I would like to file a complaint against XXXX XXXX XXXX XXXX and Remex , Inc.. I rented a furnished vacation rental from XX/XX/XXXX XX/XX/XXXX from XXXX XXXX XXXX. We paid in full for the two months stay and also paid {$200.00} for move-out cleaning. During our stay, we had 2 mid-stay cleaning services and paid {$150.00} for mid-stay cleaning. After we moved out on XX/XX/XXXX, XXXX XXXX XXXX from XXXX XXXX XXXX alleged that we damaged the house and claimed an additional {$930.00}. The claims were unreasonable and false as normal wear and tear occurred during the 2-month short term stay. We offered to pay {$200.00} to settle the matter on top of already paid cleaning fees. I filed a complaint with Arizona State Attorney Generals office ; however, we could not settle the matter. That complaint was closed in XX/XX/XXXX. 
Thereafter, in XX/XX/XXXX, XXXX XXXX XXXX hired Remex , Inc., a debt collector agency to collect the outstanding amount. I asked Remex, Inc. to send me the documentation in support of the debt claim, however, no documentation was received from their office. I followed up with Remex on XX/XX/XXXX and was informed that XXXX XXXX XXXX has withdrawn the debt claim, and my account ( Account No. XXXX ) has been cancelled and no payment is due. It was confirmed by Remex that my account was closed and no action was required on my end. 
However, in XXXX XXXX, Remex negatively reported to the credit bureau and my credit score decreased by 131 points. I called Remex as to why that action was taken after being told that my account was closed. Remex changed their statement and claimed that they never advised me of account closure on XX/XX/XXXX. I requested them to check their call recordings of XX/XX/XXXX but they did not co-operate and hung up without providing an explanation. Remex, Inc. used false tactics and misinformed me about cancellation of account.
Complaint sub-issue: Information is not mine

Equifax is refusing to block fraudulent information on my credit file as legally required by FCRA Section 605 ( b ). 

They sent me a letter with the following statement : '' Please be advised that Equifax, at this time will not block the information subject to the submitted identity theft and Or police report you provided as part of your dispute. We are contacting each creditor directly to verify the account On your behalf. We will also forward a copy of documents you have provided to each creditor for their review. " I sent the, all required documents, including my ID Theft Report as detailed on XXXX. 

They are providing no explanation regarding why they have refused to block the information and placed all of the fraudulent items into their XXXX-day dispute process. This has been an extremely frustrating process and I do n't know how else to recover from this ID Theft.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting I owe {$450.00} to VA XXXX XXXX. ( Veteran Affairs ). I disputed this account as paid by me and closed in 2016. Equifax is still reporting I owe {$450.00} so they did not remove the collection account. I personally called VA XXXX XXXX and they concurred all accounts are paid in full and closed. So I disputed it again with a Equifax and again they determined I still owe VA XXXX  {$450.00}. This account is paid in full and the derogatory remark that it is an open collection account is severely impacting my credit rating, job status and loan applications.
Complaint sub-issue: Their investigation did not fix an error on your report

I have written all three reporting agencies of the incorrect information on my credit report. I have received letters confirming the information is correct, and I supplied documentation that shows it is not correct. Letters were sent out on XX/XX/2018. Return letters were received XX/XX/XXXX and XXXX, 2018. The information of my bankruptcy is stated as confirmed with the United States Bankruptcy Court, I enclosed a letter from the Courts indicating that they do not report this information to credit agencies. As part of my privacy, I believe this information should be deleted from my credit report. I have attached documentation supporting my claim/dispute. Please follow up on this and have the incorrect information removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the government loan accounts with the credit bureau for several attempts, to no avail. These accounts should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report.. CFPB please do something to fix this up.. US DEPT VETS XXXX, US DEPT VETS XXXX, XXXX XXXX, XXXX XXXX,
Complaint sub-issue: Account information incorrect

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B )  ( iii XXXX, which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX/XXXX XXXX   XXXX, XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Complaint sub-issue: Debt is not yours

On XXXX Enhanced Recovery Company ( ERC ) reported a 'new ' collection from " XXXX '' to my report dropping my score by 20 points without notice or warning. I obtained a more detailed report from XXXX and saw that ERC opened this account on XX/XX/XXXX and states that I owe XXXX. ERC also obtained my credit report on XXXX. I do not owe XXXX any money and there is no reason to report this debt as if it is new with no communication from the agency that has had access to all of my current personal and contact information as of XXXX. Based on previous credit reports and information obtained from my research, the only XXXX debt on my credit was successfully disputed and removed in XXXX and XXXX because it was fraudulent and I did not open this account. The debt is being sent to different agencies and reported as 'new ' and it is ruining my credit that I have worked hard for over the past few years. I did not contact the company because I have dealt with them in the past over other debts that were obviously not mine ( using an address I have not lived at for nearly 10 years ) and they are rude, nasty and disrespectful. They also attempt to get you to agree to pay so they can start collecting on time-barred debts. This company is illegally trying to collect a debt that is not mine after 5 years and successfully disputing this account with other agencies and having it removed twice. This company has no interest in speaking with customers over fraudulent accounts and just want to verify your information, new or old, so that they can look for other debts of yours to collect on. This company has used the pandemic as a means to recover debts by reporting a collection to my credit to force me and others to pay for deletion to keep their company open during this time. I have disputed this collection once again with XXXX  and XXXX  as soon as I saw the notification early this morning.
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 information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accountss 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 account information below : XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is appearing on my credit report even though they are past the statute of limitations. I hired a credit repair organization called XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX has already disputed this item which is past the statute of limitations, and the 3 bureaus are still incorrectly reporting this loan. Equifax shows the account is in collections. XXXX and XXXX  are both showing 120+ days late. The bureaus are also unwilling to remove this item. The last date i challenged this item is on XX/XX/XXXX. 

The date XXXX XXXX opened is XXXX of XXXX. The drop off date is XX/XX/XXXX. The account number is XXXX. The balance is {$9300.00}. Please help!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  has violated my rights under the FCRA by changing and/or illegally updating the DATE OF STAUS and DATE OF FIRST REPORTED on XXXX XXXX XXXX XXXX  / XXXX account. Also placing an unsolicited freeze on my credit report with this dispute I am attaching My state ID, copy of my social security and a Gas Bill to prove my identity.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XXXX/XXXX/XXXX, I attempted to open a bank account with XXXX XXXX Bank Texas. As part of their due diligence, they check my credit and other records and rejected by application to open an account. I was referred to XXXX. XXXX sent me a report and indicated I had mishandled/reported for cause and/other outstanding debts. 
That reports indicated that I had opened an account with US Bank sometime in the fall of XXXX and they closed it for account abuse. 

US Bank did not provide a phone number to dispute this report. I have had issues with my accounts being stolen and I need to get US Bank to remove this info. Their website is not at all customer friendly and very confusing. 

Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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: Information belongs to someone else

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
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 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  ( Original Creditor : XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; US DEPARTMENT OF EDU XXXX XXXX XXXX : XX/XX/XXXX ; XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX Im writing you guys because I have news This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXX XXXX XXXX - Date XX/XX/2022 Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Complaint sub-issue: Problem getting your free annual credit report

I Attempted to access my CONSUMER FILE but encountered some issues. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I demand a copy of my consumer FILE from YOU to be mailed to me at the address on my proper identification. I demand a response from you within 15 days of this complaint. Along with this complaint is a copy of my proper identification. Thank you for your cooperation.
Complaint sub-issue: Their investigation did not fix an error on your report

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

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Reporting company used your report improperly

I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Complaint sub-issue: Debt was result of identity theft

I am a victim of Identity theft. I am tired of these things on my report that do not belong to me. 


Please remove immediately
Complaint sub-issue: Account status

Our home ( primary residence ), as a result of 2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per credit karma but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX XXXX, XXXX and Equifax, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arizona XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2022 i saw some inquires on my credit report i have not given any of these banks or companies my written or verbal permission to pull or check my credit XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

Company phone XXXX I do not am not amessage service
Complaint sub-issue: Problem with fees charged

I purchased a new car back in XXXX of 2022. My credit score was about XXXX at the time of the loan. I was given a loan at a very high rate, almost XXXX, for a XXXX  XXXX XXXX XXXX. On more than one occasion, I requested Flagship credit acceptance to stop calling my job. i am behind on payments because my husband was in an accident, and they were informed. They call my cell phone almost every 10 mins, as well as calling my job and leave messages. My payments are due about he XXXX of the month, and they start calling on the XXXX and start harassing me.
Complaint sub-issue: Information belongs to someone else

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Complaint sub-issue: Information belongs to someone else

INNACURATE REPORTING ON CREDIT REPORT LOAN IS NOT IN MY NAME AND CREDIT REPORTING COMPANY WILL NOT REMOVE AFTER I SENT LETTERS AND REQUESTED VALIDATION OF DEBT AND ORGINAL CONTRACT FLAGSHIP CREDIT ACCEPTNCE
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX, I was made aware that a security breach in Equifax 's system ultimately could have leaked my bank and credit card information as well as my SSN. As someone who 's been working to improve her credit and maintain a decent living, this has been very scary to learn about. I had personally never used Equifax 's website or services on my own, but employers/companies could have gone through them to pull my credit, leaving me at risk. I was also made aware that Equifax had been aware of this leak since late XXXX and did not alert anyone immediately. In order to attempt to protect myself, I am working to freeze my credit, keep up with my credit reports, and monitor my bank/credit cards with even more scrutiny than normal. That being said, due to everyone also trying to do this, accessing freezes from all the major bureaus has been a challenge as well as trying to pull credit reports with hundreds of thousands of people also trying to do this. I 'm very frightened as well as angry, and hope some sort of resolution can come from this albeit I have no idea what that could possibly be. It 's also been reported that the hackers plan to sell the information, meaning we 're all at risk for years to come, which makes it difficult to go about life normally.
Complaint sub-issue: Information belongs to someone else

I recently pulled my credit report and to my surprise there were several accounts I was not familiar with. Please remove these accounts from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with CITIMORTGAGE, XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CITIMORTGAGE, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.