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

For over a year now after being a victim of identity theft I have been disputing with all 3 major Credit Bureaus. XXXX, Equifax and XXXX. 

I have sent letters after letters and have followed every bit of instructions available to me. From using companies to help assist like XXXX XXXX to XXXX and of course writing my own letters. 

If you can search your records you may see nearly a dozen complaints with your company cfpb because of this. My tracked record began XX/XX/XXXX. When I began to need to use my credit to find a new home. 

Consecutively from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX I have been disputing these items because the credit bureaus are reporting incorrect items and doing so without proof and validation. 

They would reply back to my certified letters that the items are accurate and meet the law and are verified yet I ask over and over again how did they come up to that conclusion and who was contacted to valid or verify the debt or items listed and they never respond ever as to who how or why they are reporting these items incorrectly and without proof. This breaking the law again. 

I submit everything they request including most recently doing what they asked a Police Report along with an FTC report. No one has ever sent me a signature or anything validating these items reporting on my credit profile. I followed their instructions as instructed yet they tell me the FTC Report isn't valid because the inquires did not have a date listed on it. 

The accounts I mentioned are all listed in the letters I will upload. 


XXXX XXXX XXXX XXXX Unverified Account {$6200.00} XXXX  XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX /XXXX  XXXX Unverified Account XXXX XXXX/XXXX XXXX Unverified Account {$1500.00} XXXX XXXX XXXX/XXXX  XXXX Unverified Account {$0.00} XXXX XXXX XXXX XXXX Unverified Account {$4600.00} XXXX XXXX XXXX  XXXX XXXXUnverified Account {$1000.00} XXXX  XXXX XXXX XXXX Unverified Account {$480.00} XXXX XXXX  XXXX XXXX XXXX Unverified Account {$4700.00} XXXX ( XXXX  ) XXXX XXXX  XXXX Unverified Account {$1000.00} XXXX XXXX XXXX Unverified Account {$680.00} XXXX XXXX XXXX XXXX Unverified Account {$660.00} XXXX XXXX XXXX XXXX XXXX Unverified  Account {$6800.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00}
Complaint sub-issue: Didn't receive enough information to verify debt

Im not sure what this medical bill is for being Ive not received any mail stating I owe them XXXX,XXXX,XXXX & XXXX dollars..The opening ddats on my credit report states it was on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX..I have gone thru a divorce & at those times of dates I was from homeless shelters being I had no family friends to help me ... I am trying to take care of my bills along with fixing my credit so that I can rent a place being I live in a hotel because no one will rent to me because of mostly medical bills on my credit report
Complaint sub-issue: Information belongs to someone else

See attached documents from XXXX XXXX/ XXXX XXXX credit card services, in reference to this fraudulent account that has been disputed several time with all 3 credit bureaus and also reported to Identity Theft. XXXX has already deleted this account by XXXX XXXX by their investigation and also sent me an updated credit report via mail. I am requesting for Equifax and XXXX to remove this account from my credit file immediately. This account was opened unauthorized and is damaging my credit file. See attached documents from the creditor.
Complaint sub-issue: Reporting company used your report improperly

Credit Karma made false reports saying that i was approved for credit cards and i was denied and my credit was affected
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED THE LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Information is missing that should be on the report

In purchasing a new house with a new mortgage, I applied for and received homeowner 's insurance from XXXX XXXX, through an agent. I believed the premium was too high, but was told it was the best on offer, so I consented to the policy ( XXXX, XXXX ). 

I did not receive any written communication from the insurance company and paid the insurance premium during closing on the new house on XX/XX/XXXX. There was a delayed possession of the house because the original owners were not ready to move out, so they have rented the house from me ( and my wife, joint ) until XX/XX/XXXX. My mail was sent to that house and a neighbor collected it for me, so I did not see any mail from XXXX until XX/XX/XXXX. The letter provoking this complaint was postmarked XX/XX/XXXX and dated XX/XX/XXXX. It was postmarked from zip code XXXX ( Iowa ). 

Included in the very large packet of insurance information was a letter informing me of an adverse action based on erroneous credit reporting by LexisNexis, a company I have had no contact with at any point. 

The specific adverse action is, '' Based on consumer report data, the premium you were offered was not the lowest available fo the program applicable to your policy. '' The specific reasons were listed as 4 codes ( XXXX, XXXX, XXXX, XXXX ), all of which were either " insufficient information '' or erroneous. No attempt was ever made to contact me or my wife about these issues, other than this innocuous looking letter we received months after the adverse action. 

I immediately contacted my agent, who informed me he had no knowledge of this as he was restricted by privacy laws from receiving this kind of credit information. I then called the number for LexisNexis Consumer Center ( XXXX ) and listened to a fully automated set of instructions on how to obtain my credit report. There was no option to file a dispute, other than asking for my " NCF Reference #. '' This kind of bureaucratic run-around which takes much time and effort ( which my wife and I can not afford ) leaves me feeling there is no hope to get my rights respected and my credit restored to what it should be. I am being penalized by paying excessive premiums, and my agent informed me that switching insurance companies would make no difference as they all use LexisNexis. 

Another possibly relevant fact is that there was a massive security breech involving the S.C. Department of Revenue in XXXX, and I was advised by many experts to " freeze '' all access to credit reporting from the major agencies ( XXXX, XXXX, XXXX  ) which we have done and continue to do. This may be a reason LexisNexis had inaccurate information. It is not, however, an excuse.
Complaint sub-issue: Their investigation did not fix an error on your report

This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus Equifax, XXXX, XXXX delete these late payments and update my profile
Complaint sub-issue: Account status incorrect

Conn 's has been falsely reporting negative information to all 3 credit bureaus XX/XX/2019. I purchased a laptop from Conn 's on XX/XX/XXXX. The laptop was returned on XX/XX/XXXX. The restocking fee of {$100.00} was paid in store at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have explained this several times to Conn 's. I do not have an open account with Conn 's and this company continues to report negative payment history. Due to this, my credit has dropped 45pts and I have been denied credit from other creditors and was unable to close on my house due to this issue which resulted in a lose of {$2000.00}. I have called Conn 's several times over the past 4 months to have this issue resolved. I have been told several times that they would correct the issue in 10 business days. Per conversations with Conn 's reps, legal action will be taken if this issue is not resolved immediately.
Complaint sub-issue: Received bad information about your loan

When renewing my federal student loan payment plan, XXXX presented me with the different repayment options. They failed to disclose that choosing a different repayment plan would capitalize about {$30000.00} in deferred interest. My student loans went up $ XXXX in a day due to a lack of information.
Complaint sub-issue: Account status incorrect

On XX/XX/18 XXXX/XXXX  XXXX reported late payments onto my credit file in era. On XX/XX/18 XXXX/XXXX  XXXX send in a request to Equifax reporting agency to remove the late payments from my credit file. " Please see the inclosed complaint response from your organization, which has responded to and closed '' After XXXX/XXXX XXXX sent in an updated request to the credit reporting agency " Equifax '' to delete any and all late payments from my credit file by XXXX/XXXX XXXX, They did just the opposite and kept it on there. Equifax intentionally refused to delete inaccurate information from my credit file. By law, it is the responsibility to report accurate information on the credit file by Equifax credit reporting agency. My request is that Equifax do their job properly, and report accurate information to my credit file.
Complaint sub-issue: Information is not mine

There are HARD inquiries being reported from the following companies on my credit and Equifax is refusing to remove them even after I called the companies and they advised they had no information on me or any inquiries. My information was used without my authorization. 
Companies : The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
Complaint sub-issue: Reporting company used your report improperly

The security breach of Equifax disclosed on XX/XX/XXXX represents a gross misconduct on the part of a private firm which wields far too much power over the financial life of the average American consumer. The mishandling of vulnerable information ( including sensitive data such as credit history and social security numbers ) puts me and an estimated 143 million of my fellow Americans at risk. Furthermore, is abhorrent that this breach was only disclosed recently despite the fact that Equifax has been aware of the issue since XX/XX/XXXX. Finally, the fact that Equifax is able to profit off its own criminal negligence by charging consumers for credit protection and freezing is both morally and legally repugnant.
Complaint sub-issue: Account status

I have been disputing these accounts for years and I am absolutely fed up with all XXXX bureaus. I have gotten nowhere and everything comes back as verified when it clearly is not. When I contact the creditors I get a run around and they tell me there 's nothing they can do and that I have to resolve it with the bureaus! I 'm listing all of the account information below and each of these must be updated/removed accordingly. 
Released tax lien XXXX This tax lien has been released and is from XXXX! It was removed from my file in XXXX and has been reinserted and shows that I owe money. I do NOT owe anything on this. Please remove this from my file. I am including the proof. 
XXXX XXXX I was never late on this : they have this listed as late in XXXX but I spoke with XXXX on XXXX/XXXX/XXXX who said I was late in XXXX of XXXX. I asked why he 's calling now and he did n't give an answer. Not only that, but he said that because I was late in XXXX, it is reporting late in XXXX. My account is on auto-pay so there is no way that I was late in XXXX and I can prove this. I paid {$1000.00} on XXXX/XXXX/XXXX for this supposed late in XXXX when it is reporting as late in XXXX. XXXX said all I can do is dispute it with the bureaus. 
XXXX XXXX I do not owe this money ( original creditor is XXXX ) : I cancelled my services and physically returned the equipment to their office and was told that once they receive the equipment in the warehouse they will adjust the bill and send me an updated one. I physically went in and returned the equipment and # 1 do not owe this money & # 2 never received an updated bill showing {$0.00}. They sent me straight to collections. 
XXXX XXXX I do n't know why this is reporting as lost or stolen ; please remove this status - I did not lose my card Receivables XXXX This is for XXXX and I do NOT owe them money : I cancelled services, called for box to send equipment back, they said they would send & update bill and I never received. I called again, they reordered boxes & said they would update bill once received. I sent in equipment 4 days late on XXXX, never received updated bill & sent to collection. They will not give me info when I call & say to call collection company. 
XXXX XXXX XXXX ( listed 3 times ) I lost my card one time and it is listed 3 separate times and needs to be removed.
Complaint sub-issue: Debt was result of identity theft

15 U.S. Code 1692 - communication in connection with debt collection. 
This debt collection agency is require that I pay {$130.00}. On a debt that don't belong to me or is not verified.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXXXXXX XXXX
Complaint sub-issue: Fee problem

The East West Bank charged {$25.00} per month fee. But they have not clarified how this fee will be charged. The reason is there is no clarification about 'Average Balance '. This misleads customers, since it could be two understanding : 1. Total Balance 2. Average Balance. Even people understand the 'average balance ', they still can not find the formula on their website, how to calculate exactly. 

Because above reasons I am kindly asking the bank pay me back the fees which I payed in the past months, around {$300.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These inquiries on my credit report were not from me 1. XXXXXXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 2. XXXX ( XXXX  ) XXXX XXXX, XXXX 3. XXXX XXXX  XXXX XXXX XXXX XXXX  ) XX/XX/XXXX 4. XXXX XXXX ( XXXX ) XX/XX/XXXX 5. XXXX XXXX XXXX XXXX ) XX/XX/XXXX 6. XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted CFPB Complaint # XXXX on XX/XX/XXXX regarding an illegally re-aged account XXXX XXXX XXXX XXXX on my credit report. So far, I have received an update from both XXXX and Equifax regarding their false and inaccurate reporting. Equifax claims that the creditor has confirmed that the false " date of first delinquency '' date that they are reporting is " correct ''. XXXX has " updated '' the information on the same account with a different " date of first delinquency ''. How is it possible for the 2 credit bureaus to investigate the same account and both get dramatically different results? 

Equifax XXXX XXXX XXXX  " date of first delinquency '' XX/XX/XXXX XXXX XXXX XXXX " date of first delinquency '' XX/XX/XXXX This shows that neither Equifax or XXXX  actually investigated anything and are willfully violating my rights under the FCRA by reporting inaccurate damaging information and have been ruining my creditworthiness in the process.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : XXXX DOB : XX/XX/XXXX 2 XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have contacted all three credit bureaus Equifax, XXXX, and XXXX on XX/XX/XXXX and these inquires and addresses have not been removed. 

Credit Inquiries The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX The following addresses are not related to me for any purposes : Former Address2 XXXX XXXX  XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address3  XXXX XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address4 XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address5 XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX First Reported XXXXLast Reported XX/XX/XXXX Former Address6 XXXX XXXX XXXX XXXX, VA,XXXX First Reported XXXXLast Reported XX/XX/XXXX Please remove these inquiries and addresses from my credit report immediately. I have enclosed a copy of my drivers license as proof of my identity. 


Respectfully, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Hello. On XX/XX/2021 I made a payment of {$360.00} to XXXX XXXX to settle my debt with an old XXXX account. I was informed that this account, XXXX, and all negative remarks would be deleted from all three credit reporting bureaus : XXXX, Equifax, and XXXX. Eleven months later, XX/XX/2021 the XXXX account is STILL on my reports. Much to my dismay, it showed up on a Tenant Screening process when I was trying to move. : ( I have contacted the original creditor, XXXX, several times, and each time I am told that they no longer have my account documents, that all documents were transferred to the collection agency, XXXX XXXX. 
Upon reaching out to XXXX, XXXX, and Equifax, I was told that " The account was transferred to another agency, '' and that I need to contact them to remove it, which I did SERVERAL TIMES -- XXXX XXXX. 

On XX/XX/2021 I received a letter from XXXX XXXX stating that the Fingerhut account will be deleted from all three credit bureaus : XXXX, XXXX, and XXXX. Yet, here it is XX/XX/XXXX, and it is STILL on my credit reports negatively effecting my credit score, and interfering with my plans to move. 

Please help me. 

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

I have been fighting for some time since my identity was stolen and now being apart of the Equifax Data breach of information, i still continue to have to have fight to clean up bogus and inaccurate information. Although the FCRA says that they can not report this information I can not get any help concerning these accounts. I have 2 XXXX, XXXX which I keep telling the credit reporting companies that are not mine and not accurate and the information can not be report on the credit report if it is not correct or if it is not mine. XXXX finally fixed my problem today after properly researching yet XXXX  and Equifax refuse.
Complaint sub-issue: Fraudulent loan

I am filing this complaint and asking for your help to help me. I a a victim of Identity Theft. There are accounts that are being reported on my credit file. One of those is ALLY FINANCIAL which was opened XX/XX/2016 with a balance of {$700.00}. I also have reached out the the 3 major credit bureaus and filed a dispute with them. This account is clearly not mine. I already have filed an FTC affidavit and a police report regarding this matter. I am attaching those documents I mentioned to verify and authenticate my claims. This fraudulent account is taking toll on my credit standing. Please help me.
Complaint sub-issue: Information belongs to someone else

It's not my accounts, They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ). I don't know where you got the following accounts. These oversights on your part are causing me a lot of trouble financially.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 and I discovered that you have closed my complaints on the same day. I am resubmitting my complaint to you today to inform you that I found out that there is UNVERIFIABLE account on my personal profile, I noticed that the account XXXX XXXX  XXXX Balance : {$770.00} is reporting inaccurately on my credit report. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe the credit bureaus have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).
Complaint sub-issue: Attempted to collect wrong amount

Back in XXXX/XXXX/2015 I had XXXX and I was take by my Doctor to a Private Hospital without my consent and the bill came as shock. My Insurance has paid {$8000.00} just for Hospital Bill not include Doctor Bills. but now I just pull my Credit Report and Its show 2 separate bills for the same service from collection Agency represent Hospital, But Early I did receive only one bill from That Hospital. And now I have been contact that collection Agency and ask Why One bill was reported as two bill on my Credit report but I do n't get any respond All they tell me is that They will contact The hospital for a father verification. but I never heard from them. My believe I was over Charge by the Hospital in the First Place. If in the Pass my wife XXXX Did n't cost that Much? Why my XXXX XXXX XXXX up Cost Almost XXXX Dollars. Warn Others Stay away from Private Hospital they will Bankrupt Society.
Complaint sub-issue: Account information incorrect

XXXX just called me and said their 3rd party to this so info is incorrect and should be deleted thanks