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

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Equifax. The dispute numbers were XXXX XXXX Equifax XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, XXXX  or Equifax to resolve anything. There was also data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. The bureaus must be held accountable and to the standards clearly outlined in the FCRA.
Complaint sub-issue: Trouble with how payments are being handled

I paid off my loan during COVID to the tune of about {$10000.00}. I called FedLoan and requested that they refund my loan from XX/XX/XXXX until XX/XX/XXXX in late XXXX. I never heard back from them and I called to see what happened. They stated on XX/XX/XXXX the Department of Education approved the refund and on XX/XX/XXXX my loan was transferred and the process had to restart with XXXX. I asked FedLoan to send records of this and they said they would but they did not. I called XXXX and they said that, because my loan was paid off, it would not be in the system until XXXX. I need this money refunded because I am going back to school and my marital status will change in XXXX and that will impact my ability to get financial aid.
Complaint sub-issue: Information is not mine

The Equifax credit report is WRONG! My name is wrong, XXXX of the addresses is wrong ... Part of the report 's information is mine and the rest is someone else 's. I believe the Equifax mixed a portion of my information with a portion of another guys ' ... When I try to file dispute they keep telling me my information is wrong ... Of course it will be " wrong '' because they got my information wrong in the XXXX place. I have no other ways to dispute this but to file this complaint
Complaint sub-issue: Information belongs to someone else

There has been a breach in my personal information in the world wide web causing that accounts be opened with out my consent, these fraudulent accounts needs to be removed from my file immediately, I have already contact the creditor and they ask me to fill out an FTC report which is attached.
Complaint sub-issue: Account status incorrect

XXXX  signed reaffirmation agreement for mortgage ...  XXXX   XXXX .    XXXX  called  XXXX   XXXX  for another reaffirmation agreement. I received it in late  XXXX  and sent it back to them. They said it took long to receive and the debt was now discharged. My bankruptcy papers show where I am reaffirming my mortgage and my car. It 's listed on page  XXXX .    XXXX  asked Equifax to investigate and sent them proof of payments and BK information.
Complaint sub-issue: Not given enough info to verify debt

On XXXX XXXX, 2011 the Kohn Law Firm S.C of XXXX, WI on behalf of XXXX XXXX XXXX, with debt that was bought from XXXX XXXX. Had a judgement place on me for the amount of {$4800.00}. 
My credit amount was {$500.00} and by the time of the judgement it was {$4800.00}. I just received a letter state that I now owe {$7600.00}. I my understanding that XXXX and XXXX have had complaint and action take against them in last year about how they handle debt collection.
Complaint sub-issue: Account information incorrect

have two XXXX XXXX  accounts still on credit report showing closed i requested those two accounts be removed and block i sent n wrong police report credit so im uploading the report with the officer name
Complaint sub-issue: Information belongs to someone else

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

I have written the CRA numerous times to remove a late payment that is reporting on my account with XXXXXXXX XXXX. I previously demanded that CRA delete the late payment on my account. But CRA have failed to do so, the CRA is now liable for the following FCRA violations as follow : 15 USC 1681 : 1. Failure to provide fair and equitable information about the consumer 15 USC 1681a : 1. Failure to provide copy of credit file 2. Included specific factual information 3. Included approval of a specific extension of credit 4. Fail to do a proper investigation 15 USC 1681b : 1. Failure to follow my written instructions as the consumer in the previous letter I have never given any CRA written instruction to report anything on me let alone a late payment. And when I gave them written instruction demanding what I want, they ignored my instructions and continue to report inaccurate information, that is unfair and unequitable to me as the consumer.
Complaint sub-issue: Inadequate help over the phone

My application with XXXX is denied because credit issueI called XXXX customer service- sales to order XXXX lines and after getting information from me the rep asked me to speak to XXXX finance department and transferred me there while the other rep was on the line too. The XXXX finance rep asked me some questions on my finance and identity ( like my addresses n all ). I replied to all correctly, In addition they asked me my relatives personnel information including their birth date and age and so on. 
finally rep denied me approve service and told me that you no longer allow to apply next 60 days.I was advised to contact credit agency. 
Now I got letter from XXXX and not giving me specific reason for denial my application but ask me to call at Lexis Nexis company, at XXXX. 
I dont know what is this company? Is this a fraud comapny? 
I tried to call customer service three day 's in a raw, all is recording play and no human answer to my call. 
I 'm strongly disputing this decision and would like to know why any company asked me third party personnel information to verify my identity? Why privacy law does not apply to these companies?
Complaint sub-issue: Debt was paid

Hunter Warfield is attempting to collect on behalf of a rental management company. I disputed this with their lawyer, XXXX XXXX, and we have a settlement showing I do not owe anything and they must immediately stop collections and reporting, yet they have not. See attached.
Complaint sub-issue: Public record information inaccurate

TO Lexis Nexis : CFPB case # XXXX Lexis Nexis # XXXX This is my 3 rd letter to you on this issue. 
When my employer checked Lexis Nexis on me you sent them a file with 71 " historic & Undocumented '' Judgments & Liens. 
that's 71 ( seventy one ). 
When I wrote a dispute you sent me my file with only 1 judgment & lien. 
THERE IS A SERIOUS DISCREPANCY HERE. 

I have several current credit reports from XXXX XXXX, XXXX, XXXX. They list no judgments or liens. NONE. 
I hired an attorney to do a upper and lower case search on me, They found NO judgements or liens. 
I have the file with 71 judgments listed, please see this file. The IRS lien you list 5 times, 4 of the 5 are duplicate an the 5 th shows " satisfied ''. 
Same with all the others, duplicate and of " satisfied '' many years ago. 
Please correct your records. If you send this false and mis leading file again I will pursue legal action with punitive damages. 

Please send me a corrected file showing NO judgments or liens. 

Sincerely XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Soc sec XXXX DOB CC : 1- CFPB
Complaint sub-issue: Reporting company used your report improperly

Equifax reportedly compromised my SSN, name, birthdate, address, drivers license numbers and credit card information. This occurred due to the Equifax inadequately secured this information in there database allowing this vulnerability to be accessed and made publicly available. Information about the breach was announced on Friday XXXX XXXX, 2017 and currently the company has only allowed me to view the information that my information is compromised.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX is charging me for {$5900.00} for a XXXX phone i never had. Someone stole my personal info and use it in XXXX Tx. Ive never been to Texas, dont know anyone from there and NEVER had a XXXX phone in my life. I summitted to them my proof of residence in the state of Florida for the past 31yrs of my life but the charge is still showing on my credit report. I need that removed as soon as possible.
Complaint sub-issue: Deposits and withdrawals

I deposited on XX/XX/2020 {$450.00} CASH then $ when asked if I wanted to deposit more I deposited {$900.00} the ATM gave me back a {$100.00} and the ATM started to make a loud jammed noise. After that gave me a receipt stating MACHINE ERROR Attempted deposit {$450.00} I contacted the branch manager and he when through the back of the ATM machine and said he only had limited access and that he could see any bills jammed. I called the ATM department ( since the bank has nothing to do with their own atm ) and filled a claim. The representative filled 2 claims one for {$450.00} and another {$800.00}. Up to today i only got {$450.00} deposit to my account and the {$800.00} still on dispute because the bank closed that dispute as a " duplicate claim '' even do its not the same amount! How can it be a duplicate? Now i have another claim number and no response from the bank. 
US Bank is in violation of regulation E. 
ATM claims you have to wait 10 business days for a credit even do its not a third party ATM. Ridiculous
Complaint sub-issue: Account information incorrect

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

I noticed fraudulent account on my credit report that are reporting inaccurately. I called these companies to dispute but they never did anything. I even sent letters to them 3 weeks ago still no reply. Multiple debt collectors have contacted me which is violation of usc 15 I want proof that I signed for these accounts and i want proof that I owe any debt.
Complaint sub-issue: Deposits and withdrawals

I have about XXXX in an Ally bank account ( https : //www.ally.com ) in both savings and investments for about 3 years now. Recently, since the Covid-19 pandemic they have repeatedly locked me out of my account and requested that I change my login and password on at least three occasions. This has prevented me from getting access to my funds or account statements, and they do not provide me with copies of my paper statements. In addition, I had requested a transfer of XXXX dollars from my savings account to my XXXX XXXX XXXX XXXX checking account and they refused to honor the transaction. This makes no sense because I have frequently both deposited and transferred funds to and from my XXXX XXXX XXXX account. I have not had any issues with my other bank or investment accounts outside of Ally. I believe that they have some sort of IT error with their internal controls because this is the only bank that has given me any issues with accessing my funds. I would like this resolved as soon as possible and would also like information on how to close my account with them. Given the circumstances, I no longer trust them with my money.
Complaint sub-issue: Public record

SafeRent CoreLogic AKA Corelogic XXXX XXXX XXXX is presently reporting false information on their consumer file relative to my rental history. They are falsely reporting a judgment in excess of {$16000.00} for XXXX XXXX XXXX in XXXX, Texas. I have attempted to contact them by both phone and mail to dispute this matter and I have received absolutely no response or resolve from them. I have also had my attorney to contact the court where the judgment was supposedly filed and the court 's response was that the XXXX XXXX XXXX attempted to file an erroneous eviction and judgment against me, but the case was dismissed and a judgment was never issued. How SafeRent CoreLogic AKA Corelogic XXXX obtained the false information is unknown. I am asking that the CFPB investigate them for negligence due to falsely reporting information regarding my consumer activities. I am unable to upload any copy of my consumer report because SafeRent CoreLogic AKA CoreLogic XXXX XXXX XXXX has not responded to my XXXX XXXX, 2016 request for a copy of the report.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm disputing the following accounts once again, cause when I disputed them before the credit agencies ignored my request by not explaining to me how they derived to responding by saying accounts verified. Verified by whom there's no possible legal investigated way that these accounts was legally verified. Please send me any all of your verification process, if not and in concert with the FCRA laws these following accounts shall be blocked. 
1. XXXX XXXX XXXX {$3200.00} 2. XXXX XXXX XXXX {$0.00} 3. XXXX XXXX {$1300.00} 4. XXXX XXXX XXXX {$640.00}
Complaint sub-issue: Reporting company used your report improperly

They are reporting fake and wrong information about me. They responded that it was updated. I sent them my id with proof of residence, so they know it was me. I also sent them a letter notifying them of this inaccurate information XXXX XX/XX/22.
Complaint sub-issue: Application denied

I applied and called upgrade as requested due to I have a fraud alert on my credit report. XXXX said I was verified and all was good. I verified the limit originally offered and my info as requested. XX/XX/2021 denied saying unable to verify identity??????? So I called and was told nothing I can do! No one to speak too but the rep agreed per notes I was verified.
Complaint sub-issue: Debt was result of identity theft

In XX/XX/2018 I notified Equifax of inaccurate information reporting on my credit file. I included an FTC Identity theft report along with proof of identity and a letter explaining that I was a victim of identity theft and to please remove the inaccurate accounts. Equifax later updated and stated that the accounts were updated and verified. This is found to be false and inaccurate because how could the companies provide Equifax with information supporting these accounts and the fraud accounts couldn't provide me with any contracts or any viable proof of such accounts belonging to me. Equifax has decided to not follow as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. Equifax continues to report fraudulent accounts on my credit file.
Complaint sub-issue: Don't want a card provided by your employer or the government

I received a US bank reliacard in the mail this week. Based on research, it should be sent to people who have filed unemployment claims. I am employed and have not filed a claim.

I was notified earlier this year that a fraudulent claim was filed in my name. I reported it to the appropriate authorities.

I will not activate the card, but I want to know if there are other steps I should take to protect myself.
Complaint sub-issue: Debt is not yours

I have been attempting to contact this company ( XXXX XXXX XXXX XXXX XXXX ) about 3 debts they state I owe with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have NEVER received any type of statement and I actually disputed the items under my XXXX credit report in which they removed all three because they were in fact no validated debts. I have requested that Equifax does the same ; however, Equifax will not honor and remove it stating it is a valid debt however I have asked several times to send proof of validation and I have yet to receive anything from either Equifax nor XXXX XXXX XXXX XXXX.
Complaint sub-issue: Sent card you never applied for

Received a debit card from Cash App debit card that I did not apply for. I want it canceled. I have tried getting through to them using the Cash App phone number but it is impossible
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I am a federally protected consumer and BestBuy has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Complaint sub-issue: Debt was result of identity theft

Jefferson Capital Systems has been harassing me for over a year to pay a debt I do not owe. I have responded by mail several times in the last year after receiving these notices. Jefferson Capital Systems has no record of me disputing this debt. They are not receiving my written notices and continue to mail me statements to pay or dispute it. The debt is {$2000.00} and was sent to this debt collector from XXXX for a cell phone service I never had. The debt collector Jefferson Capital Systems purchased the debt in XX/XX/XXXX. Since they purchase the debt they have been sending me letters by mail and calling me repeatedly multiple times a day. I called them today XX/XX/XXXX to report this debt as fraud. They told me records show this is a legitimate debt and offered me a pay for deletion amount of {$920.00} if paid by XX/XX/XXXX. I told the agent I would call XXXX to verify the legitimacy of the debt. I called XXXX and was told they could not disclose any information to me about the cell phone account since the debt for the account had been sold to the debt collector Jefferson Capital Systems along with all the records. The debt collector isn't providing me any information for me to validate this charge is legitimate. I have expressed to the debt collector and XXXX this account is fraudulent or completed without my consent. Both companies are unwilling to provide me the signatures, dates, times, or where the original order for services was placed with my consent or signature. This leads me to believe they do not have any records to confirm the debt is legitimate and not fraudulent. They continue to say it is legitimate without providing me proof. I am not willing to pay for a debt I am unable to confirm. I have had XXXX XXXX XXXX XXXX for my cell phones and use to use prepaid services before that through a government assistance program. I am concerned someone placed an online order for services using my information in XXXX of XXXX. I am not able to confirm if this happened since XXXX or Jefferson Capital System can not tell me where, when, and how the services were signed up for. If the order was placed online and without my consent and someone was paying the bill, this is a fraudulent purchase. I can provide proof that I was using a government funded cell phone in the year XXXX, I have a food stamp letter when I was using the assistance programs. I can also provide proof of how long I have had my XXXX XXXX. I have never provided a signature or entered a XXXX XXXX to make a purchase using my banking card. Please help me get this removed from my credit report or at least help me in getting the debt collector to give me proof this charge is valid, when and where was it signed up for, how was my information used, so that I can file a police report and start the process of identity theft. I am not sure since it was done back in XXXX what my options are to report to authorities due to statue of limitations but I will do whatever it takes to prove this account was not created or given consent by me. Thank you for your help!
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 and to this day, over 60 days later, I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of 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 and it has been over 60 days so they should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you've caused me. 
My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I have a fraud alert on my credit report and multiple times a XXXX account continues to report. All credit bureaus remove the account from my report but Equifax added it back on. They already investigated this matter and removed it but added it back on.