Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX IS NOT REMOVING THE FRAUDULNET ACCOUNTS FROM MY CREDIT REPORT. PER FCRA 605B ( 15 U.S.C. & 1681c-2 ) UNAUTHORIZED FRAUDULENT ACCOUNTS MUST BE REMOVED /BLOCKED WITHIN 4 BUSINESS DAYS OF RECEIPT. I HAVE SENT MU IDENTITY THEFT REPORT TO THEM NUMEROUS TIMES AND 3 XXXX  XXXX XXXX ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT.
Complaint sub-issue: Information belongs to someone else

Im a victim of identity theft! I sent in a police to Equifax and XXXX!! Explaining this! The account from XXXX XXXX XXXX does not belong to me. 
XXXX XXXX XXXX XXXX does not belong to me!! I live in a dorm room with a college Scholarship
Complaint sub-issue: Debt is not yours

There has been a negative charge off account on my credit report from Discover Personal Loans. They have not been able to verify this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They received certified letters from me on XX/XX/XXXX and XX/XX/XXXX. They claim I owe {$2600.00} yet this amount has not been verified and has even changed according to XXXX and XXXX credit report. Last year in XX/XX/XXXX it was reported as owing XXXX, which is another instance of fraudulent and negative reporting and such must be removed from my reports. 
I also sent certified letters to XXXX XXXX XXXX who responded after the 30 day mark from when they signed for them. 
I uploaded photos of the signatures from the certified letters I sent to both XXXX  and Discover as well the differing amounts they claim I owe from my XXXX Credit Report.
Complaint sub-issue: Information belongs to someone else

I'm a senior and a veteran that has been a victim of identity theft. On XX/XX/19, I received my TRANSUNION credit report that had the name and adverse info. of an identity thief, including several inaccuracies. I requested correction of 38 inaccuracies, including the fraudulent accounts opened by the identity thief. His delinquencies and new inquiries for credit caused my credit score to drop about 150 points. XXXX has adamantly REFUSED to make adjustments and increases to my credit score. The inaccuracies caused prejudice to my creditworthiness. The other two credit reporting agencies did not have damaging identity theft info. XXXX failed to alert me of the ID theft and fraud even though a fraud alert was on my credit report. I have been rejected for an auto loan as a result of XXXX 's obstinate refusal to correct the damage by this identity thief.
Complaint sub-issue: Reporting company used your report improperly

I was damaged by the Equifax XXXX XXXX in XXXX. My personal information was compromised, and fraudulent accounts were open in my name and is still being reported on my consumer report. I've paid out of pocket {$4800.00} in credit monitoring products and placing and removing a credit freeze on my credit file from XXXX until now XXXX. I've also paid out of pocket {$3500.00} in legal fees for litigation in regards of identity theft, fraudulent accounts and other misuses of my personal information caused by the XXXX XXXX in XXXX. I am still fighting for remedy because of this breach, I've been denied for employment in XXXX and XXXX because of this breach, I've been denied extension of credit from 3 financial institutions, and I've also been denied rental access because of this breach. My character and credit reputation has been ruined due to this breach, and I am in entitled for reimbursement of all the funds I've paid out since XXXX in order to save my character and credit reputation.
Complaint sub-issue: Account status incorrect

I wrote letters to Equifax, XXXX, and XXXX on XX/XX/22 and XX/XX/22 requesting for late payments to be removed that were recorded during the COVID-19 Pandemic. Per the Heroes Act passed by Congress, late payments were not allowed to be reported during the pandemic plus an additional 120 days. Request to have the late payments have been removed and is a violation of the Heroes Act.
Complaint sub-issue: Was not notified of investigation status or results

i submitted my information to equifax via fax at XXXX and XXXX on XX/XX/XXXX. I called back to verify twice to make sure my documents were recieved and processed on XX/XX/XXXX. Rep verified and retrieved the docs i submitted and told me my information was not processed as of yet with no real reason. SHe verified that equifax had got it on XX/XX/XXXX. I called back on XX/XX/XXXX to inquire about my updated reports and rep explained to me that my information was never processed from the mail room. I requested that all the information i disputed need to be deleted cause the 30 day window had expired to do so. They said they not allowed to do that even though my rights under the FCRA has been violated. I checked back with equifax on XX/XX/XXXX and still nothing has been resolved. I am requesting that the information be deleted due to negligence and violations.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX I spoke with a representative in the XXXX XXXX XXXX department regarding a car I had leased with them but was totaled. Insurance paid all but {$3600.00}. I contacted them inquiry about a settlement on the balance owed at which time the representative informed me that the account had been transferred to a third party agency for collections, XXXX ( Hood & Stacey ). I was informed that the account was referred to XXXX in XX/XX/XXXX. I did not know this until yesterday and had sent several account dispute through XXXX and XXXX and each time XXXX XXXX verified the debt and stated they were still collecting on the debt. 

On today, XX/XX/XXXX I contacted XXXX ( Hood & Stacey ) regarding my account at which time I informed the representative that I had not received a telephone call, email, or letter regarding them collecting on my account for XXXX XXXX. The excuse I was given was that there was a lot of back and forth between them and companies. The did not state which companies but did acknowledge they have not communicated with me regarding the debt which means I would have not have had any knowledge of who now owns my account. They have had my car for two years and not contacted me.
Complaint sub-issue: Frequent or repeated calls

This company repeatedly calls me, from phone number, XXXX. I do not know if another company that I complained against, simply sold the unknown debt to XXXX XXXX XXXX. 

I want this company to stop calling and put in writing, who they represent and what they claim is owed. Also, if your agency contacts this company, I do n't want them to simply write a letter of appeasement and then sell the unknown debt to somebody else, to repeat the cycle. 

I was taught that I first need a letter in writing and have 30 days to dispute the validity of the debt, in California, before a debt collector can legally call me.
Complaint sub-issue: Account status incorrect

Citi violated the cardmember agreement by refusing to allow me to make payments on my account. I am currently engaged with Citi in arbitration over the matter. Despite this, Citi has reported my account as delinquent.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : OFFICE OF THE ATTY GEN XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} ; XXXX  CHILD SUPPORT ENFORE XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; ATTORNEY GENERAL-XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00}.
Complaint sub-issue: Debt is not yours

This is the second complaint I am filing. The first investigation that I filed with you was a fail, you provided me nothing but bogus information from " XXXX XXXX ''. I tried taking matters into my own hands and called " KEY BANK '' directly. The man I spoke to had a hard time finding me, he asked for my SSN and full name to attempt to locate " my account '' he said my DOB, SSN and name or email did NOT match what he had in the system and asked me to update my information. I told him there was a mistake and that I would not update any of that information since its obvious im not the person responsible for the debt. My wife tried to talk to him and asked him if he can transfer our call to the ID Theft department or if we can fill out the proper paperwork for that. He told us he could NOT help us since the information did not match. This is unbelievable. On my credit report it shows that I was Authorized, I never agreed to be authorized nor did i even know I was until I pulled my credit. I filed a police report. I don't know what else to do since im limited with Key Bank due to the inaccurate information and they don't even want to escalate the call since my information does not match their records.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried multiple times to communicate with the said collection company. I have never had any doings with this company neither do they have any written contracts to verify this debt. I have also paid this debt in the sums of XXXX with hopes of having it removed from my credit report because I am in the process of purchasing a new home they have yet to remove the debt and its hindering me from obtaining other credits. Please have this company remove this inaccurate information immediately.
Complaint sub-issue: No notice of investigation status/result

I currently have a dispute regarding the same item submitted on XXXX XXXX, XXXX. I have student loans which were one point with XXXX. These loans went into default for a XXXX months back in XXXX. I executed a rehabilitation agreement in XXXX and finished the program. As such, I noticed on my credit report that XXXX who did not service my loans placed on my credit report an incorrect amount, late tradelines, negative information, incorrect negative collection information for the time period of XXXX? This is not accurate nor did this organization service my loan in this time period. However, when I investigated the same with Equifax I received nothing back from them regarding my disputes. I also sent letters back in XXXX for the company to remove the tradeline, as well? I received nothing. When writing to Equifax several time I include both XXXX and XXXX disputes as they are XXXX incorrectly reporting. Here are my equifax dispute numbers : As you can see I never received results as to XXXX complaints. This seems to be an ongoing problem. 

XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( Estimated ) - XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( Estimated ) - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX -
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the following accounts : 1. Account Name : XXXX Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXXXXXX XXXX Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXX Account Number : XXXX Amount : 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
Complaint sub-issue: Public record information inaccurate

Under the FCRA, I request that LexisNexis immediately notify XXXX of the folllowing : That the bankruptcy Item XXXX is deleted from my LexisNexis file. And to provide me with a copy of said communication. Under the FCRA, I have the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$230.00}.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX XXXX. Following the Equifax data breach I placed a freeze on my credit reports with all three credit agencies. I almost signed up for the " free credit monitoring. I quickly realized if I did indeed log on and use that service the company would no longer be held accountable ... Now, a month and a half later, I need to temporarily lift the freeze and let my lender access my credit report to complete a loan on the asset that I 'm purchasing. I 've been trying to contact Equifax online and over the phone for three hours to lift the freeze and have n't been able to have my request fulfilled. They do n't have access to customer service at all! All their phone numbers refer to automated systems which also do n't work and offer you to send requests via mail! 

I 'm sure there consumed with legal issues and lawsuits but ... Equifax should be especially attentive to its customers now after the data breach, but it seems that the company does n't care about its reputation at all. After three hours of unsuccessful attempts to resolve an issue that should n't have taken longer than a few minutes, I feel totally helpless and lost. 

Bottom line is there are accounts or activity that you do not recognize could indicate identity theft. 

I do want to file a lawsuit for past, present and future damages.. I also want all credit bureaus to remove all 3 credit freezes. 

There seems to be accounts or activity that I do not recognize could indicate identity theft. There is unusual activity taking place at the moment..Now that my personal info is leaked, my social security number, everything! I do n't need 1 year of free credit monitoring, honestly you should be offering 75 years of credit monitoring! But I 'm not interested in your credit monitoring services. 

My lawyer advised me to contact Equifax we recorded the phone calls and it was the worst customer service, words do n't describe. We could not get in touch with one single representative!! ( Over the course of a week )!!!! 



P.S. unrelated to the lawsuit we will most likely file ... I would appreciate a refund from Equifax for the {$15.00} I paid to freeze my credit report. I would also like them to refund me the other {$15.00} to lift the freeze or that they lift a all 3 themselves. I would appreciate if Equifax could lift my credit freeze & contact the other 2 bureaus to remove the credit freeze as well. 

Once that has been completed we will most likely file a lawsuit for damages, this will JEOPARDIZED my identity for THE REST OF MY LIFE! 

Compensation : {>= $1,000,000} Thanks and looking forward to your response.
Complaint sub-issue: Debt is not yours

I did not have XXXX as a provider on XX/XX/2015 I had at & t I do not know where this bill came from or who it belongs to, it is very damaging to my credit and I need it removed immediately. The derogatory remark on my credit report is stating that the account got sent to the collectors. I have never been notified about this bill and did not even use XXXX in 2015.
Complaint sub-issue: Their investigation did not fix an error on your report

I first sent a certified letter to Equifax In XX/XX/2021, some collections or what not was deleted or removed. But some remained on my credit history. So I called them a couple days after receiving the one in XXXX and filed a claim by phone. I received a letter showing the collections I had in question and when I looked at the document. It said reinvestigation in process, which I haven't received anything other after that. I also may add that one company decreased their dollar amount by almost {$2000.00} although I don't owe the debt.
Complaint sub-issue: Public record information inaccurate

In XXXX our credit card was stolen. We canceled the card with US Bank Visa. Card was then reissued. Bill for card did not show up until I called the company and asked where our bill was. I thought with the missing card and the re-issue everything got delayed. They said they had sent the bill out already and I said we never received it. They had sent the bill to our former address that we had not lived at for about 4 years. They corrected the mistake and sent me a new bill to our current address. We paid the bill and never gave it a thought again until this year when we added a new car to our insurance plan. My agent said our rate was increased because of a reduction in our credit score. My insurance company said the problem originated with our credit card company. I contacted the credit card company several times and they were no help and said we can't do anything about it. I then went XXXX XXXX and filed a complaint and they did nothing except send me a report showing my one missed bill with the credit card company that I already knew because they had messed up on the bill. So I have had to pay higher insurance rates as a result. I have never been late in paying my bills and the XXXX XXXX report verifies that fact. I'm very upset at the the system and I have cut up my credit card with US bank. I need our help to correct this injustice. Thanks you XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Im filed multiple disputes for the texas Dow account on my Equifax and XXXX I showed identity theft report Ive showed police report they have went against fcra law that when I have a police report they had 4 days to block the information they also said it came back verified I asked for proof of the REINVESTIGATION steps they took they never sent it I did it all on the CFPB FOR DOCUMENTATION AND STILL NO PROOF I HAVE AN ATTORNEY AND I WARNING YOU IF IT IS NOT REMOVED I WILL FILE A LAWSUIT AND SUR THE CREDIT BUREUS FOR KEEPING UNLAWFUL INFORMATION ON MY CREDIT REPORT WTH SUPSTANTIAL PROOF IT S NOT CREDIT I WILL UPLOAD THESE DESCREPENCIES I NOTICED TODAY TO ALSO PROOF THAT YALL ALL ALLOW FALSE INFORMATION TO STAY ON MY CREDIT REPORT as you look at the two photos the monthly payment is incorrect see and yall still continue to not delete this
Complaint sub-issue: Investigation took more than 30 days

I have been disputing the following accounts since XX/XX/2020 and the credit bureaus have verified them and in response, I have requested proof of verification and they have ignored my requests multiple times. They are verifying the accounts but still have plenty of errors which is severely hurting my credit score. I know my rights as a consumer is being severely violated and if this is not rectified, I am not beyond litigation. I have attached a copy of my report which you can clearly see all the errors within each account in question along with the last three letters to each credit bureaus I sent via Certified Mail ( including tracking number that confirms the credit bureaus received my letters ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : 01 XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Indicated committed crime not paying

I was called by XXXX XXXX of XXXX XXXX XXXX in XXXX, he was calling to collect a payday loan from 2011. He was rude and threatening. he said if I did n't pay right away " he was going to haul me in front of a Judge for Defrauding cashcall ''. He also has called both of my sons ( not sure how he got their numbers ) and giving them a hard time about wanting to serve papers to them on me. He also called me at work saying the same thing and saying he did n't want to embarrass me at work but would if I did n't pay immediately. He stopped calling for a week them started the same thing all over. The number he gave me via voice mail to call is XXXX. This was a {$500.00} loan and now he is trying to collect over {$5000.00}. Shortly after I took this loan I became ill with XXXX and have been fighting that the last few years. I am not a criminal as he is saying to me and my sons.
Complaint sub-issue: Public record information inaccurate

There are tax liens on my credit reports that have been paid, released, and dismissed. The records are reference numbers : XXXX for {$710.00} XXXX for {$780.00} XXXX for {$1500.00} XXXX for {$37000.00}
Complaint sub-issue: Account terms

This very small insignificant CRA typed the following verbatim response to the CFPB one month ago : LexisNexis Risk Solutions ( " LexisNexis '' ) responds as follows to XXXX second CFPB complaint against LexisNexis ( Case Number : XXXX, filed on XXXX/XXXX/2016 ) : In XXXX latest CFPB dispute, Case Number XXXX, he disputed that LexisNexis did not address his concerns in his initial CFPB dispute, Case Number XXXX. We apologize for any confusion we may have caused XXXX XXXX. The duplicate liens and addresses XXXX XXXX references are not being reported in consumer reports provided by LexisNexis. A copy of XXXX reports will be mailed to the address referenced in his complaint. 

If XXXX XXXX has additional concerns he may contact the LexisNexis Consumer Center at XXXX, during the hours of XXXX and XXXX EST Monday-Friday.