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

I have written all 3 credit bureaus several times and disputed XXXX bankruptcy filings that show on my consumer report. Furthermore, It has been more than 30 days for the bureaus to respond and delete this from my report. Finally, I have written to the United States Bankruptcy court myself to find out why they were reporting these bankruptcy filings as mine. The court issued the attached letter which clearly shows that neither of the credit bureaus contacted or verified anything! I humbly request your department to look into this matter and FORCE the credit bureau to follow along and not further escalate this matter by depriving me of all the protections given to me with the Fair Credit Reporting Act. Thank you.
Complaint sub-issue: Trouble with how payments are being handled

I have made 123 payments to Fed Loan Servicing. The company continues to miscalculate payment.
Complaint sub-issue: Public record information inaccurate

My student loan was paid in full after I became XXXX in the military, my balance was XXXX and was paid in full in full in 2016 with XXXX XXXX   Listed on my XXXX XXXX and XXXX  the account # XXXX, has remarks listed as Chap XXXX Bankruptcy, when I paid this and was not under ever a bankruptcy. This is affecting my ability to obtain credit or employment.
Complaint sub-issue: Public record information inaccurate

The Credit Bureau stated that this account : " XXXX XXXXXXXX '' : XXXX- was properly investigated, but how is that possible if the courts never reported to the Bureaus as per document that is attached? The Credit Bureau 's did not have permission to document inaccurate and false information. This is ground for removals and they violated my rights. I tried to reach out to them via mail and still not response. The law states if it can not be proven, then it needs to be removed. I XXXX   these accounts to be deleted immediately or I will follow for litigations for stress and suffering its causing me. 


The law clearly states a consumer reporting agency can not furnish a account without my written permission. Please remove this account.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX Fed Loan Servicing transferred my Student Loan to a nw loan service provider ; consequently, they did so the day before my ACH pmt was set to debit my account. I have called Fed Loan as they deducted the money and never applied the XX/XX/XXXX pmt to my account balance prior to transfer. Pmt amount was {$140.00}, balance was {$23000.00} according to XXXX statement and credit reporting. XXXX the new service provider now has my account set up with a 27 past due delinquent status ; furthermore, will be taking a double pmt on XX/XX/XXXX. Fed loan had advised my money can sit in a pending transfer account for 60 days. I need fed loan to update the XXXX balance to reflect the pmt. {$23000.00} less {$140.00} XX/XX/XXXX pmt. I also would like interest daily for the error they should have foreseen.
Complaint sub-issue: Reinserted previously deleted info

XXXX XXXX XXXX re-aged XXXX of my accounts from XXXX XXXX. I sent copies of a credit report provided by XXXX with correct and original dates which stated that they wereto stay on my reports until XXXX 2016. XXXX deleted them on XXXX XXXX, 2016 but since put them both back onto my credit report. Equifax only deleted XXXX, refused to recognize the correct dates, stated that they lost my documentation eventhough they deleted XXXX off. XXXX is still reporting XXXX, after investigation they deleted the same account twice. I want to file complaints against all XXXX credit reporting agencies as well as XXXX XXXX XXXX for continuing to try reinsert these accounts knowing full well that they are in fact inaccurate. The very ones who are charged with theresponsibility of ensuring the accuracy of information continue to be totally inaccurate themselves.
Complaint sub-issue: Problem getting a working replacement card

My credit card was hacked several months ago. TCF Bank in XXXX, Michigan locked the account and told me that a new credit card would be sent in 7-10 business days. After six more calls, the bank personal that the card has not been sent after several tries. The bank manager was to call me last Friday on XX/XX/XXXX. Still no call or card. I have bills to pay that are past due and like to know what can I do to get this settled. It has been over 40 days now.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( XXXX ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.
Complaint sub-issue: Account information incorrect

The department of treasury took my income tax f or 3-4 year s starting after  XXXX   2011  the year I graduated The  XXXX    XXXX   XXXX   XXXX   Should of sent me a receipt for paying instead of sending me anything stating i paid making it seem like i didnt pay them anything i need justice because this is really damaging my credit.
Complaint sub-issue: Account status incorrect

I checked my credit report from XXXX, XXXX and XXXX. I have also submitted disputes with each XXXX but nothing has been deleted and it's really stressing me out. When i contacted XXXX XXXX on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX XXXX trade-in would be redacted and deleted within XXXX days, which would be by XX/XX/2018. However, as of XX/XX/2018, the negative balance has NOT been deleted and still reports on my credit report. Screen shot attached.
Complaint sub-issue: Old information reappears or never goes away

Equifax is illegally deleting then reinserting fraudulent debt! They reinserted XXXX XXXX XXXX inquiry, they are also listing XXXX XXXX XXXX amount is incorrect, and the delinquencies need to be removed, also XXXX XXXXl all delinquencies and remarks were remove equifax added back all of the account and delinquent remarks without notifying me by mail within 5 days prior to the reinsertion! Equifax has violated the FCRA federal law! I submitted my ID theft affidavit listed the fraudulently accounts and equifax deleted them, but now have reinserted the accounts!
Complaint sub-issue: Problem getting your free annual credit report

I requested my Equifax free credit report online on XX/XX/2019 on XXXX : XXXX. Equifax will not allow me to get my report online, so I have to fill out a paper form and mail it in each year. Presumably this is because I have a security freeze on my account because I am a victim of ID theft. However, neither XXXX nor XXXX require that I fill out a paper form. Requiring that I send them a paper form, even though I have provided all needed info online, puts me at risk in two ways : 1 ) it opens me up to loss or theft of still more info by requiring me to send in a paper form with documentation, and 2 ) it provides Equifax with still more personal info about me because they require identity and address documentation. I should not be " punished '' and exposed to increased ID theft simply because I have a security freeze on my account.
Complaint sub-issue: Information is missing that should be on the report

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XX/XX/XXXX ) XXXXInaccurate XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX/XXXX  | XXXXN/AInaccurate XXXX/XXXX  | XX/XX/XXXXN/AInaccurate XXXX/XXXX  | XXXXN/AInaccurate XXXX XXXX | XXXXN/AInaccurate XXXX XXXX | XXXXN/AInaccurate XXXX XXXX XXXX | XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX/XXXX  |XX/XX/XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Complaint sub-issue: Banking errors

Dear Sir/Miss, I got the below offer from Citi bank XXXX XXXX XX/XX/XXXX. 

XXXX XXXX XXXX XXXX {$5000.00} - {$14000.00} {$200.00} {$15000.00} - {$49000.00} {$400.00} {$50000.00} - {$190000.00} {$700.00} {$200000.00} and above {$1500.00} I choose XXXX XXXX {$700.00} bonus. I called to Citi Bank XXXX and opened a checking account ending XXXX on XX/XX/XXXX. The lady who opened my checking account told me that i will get {$700.00} bonus in 3 months. Then I transferred {$51000.00} from XXXX XXXX  XXXX XXXX account to citi bank to earn this {$700.00} bonus in XXXX months. I did not get that bonus in 3 months then i visited NY Citi bank branch, They told me that i will get it by XX/XX/XXXX still I did not get the bonus. Then I called more than XXXX times to Citi bank. Every time they said, I will get my bonus. However, i never get it although it is already 7 months. While I chat, while I called they always told me that they create a new XXXX Citi bank is lying to me too much keeping my hope but I never get my bonus. I have still my money with Citi bank. I deposited for 3 months to get a {$700.00} bonus, I have not get it as of now. It's already 7 months. XXXX i request your kind support to arrange {$1400.00} bonus from them since they already kept my money for more than 3 months? 
Please let me know should you need additional information. 
I look forward to your kind support. 
Happy new year XXXX. 
Best Regards, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

This is absurd! I was never late but was now like this.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THERE IS 14 INQUIRIES THAT I HAVE NO IDEA WHERE OR WHY THEY ARE THERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX I called Nelnet, my student loan servicer to set up an automatic payment. I am still a student, and when I tried to do this on their website it said I could not because, currently being in school means I don't have a due date, and therefore no need to make payments. 
When I called Nelnet the customer service representative took the time to ask his superior if he could help me set up an automatic payment, the answer was no. He told me I could set up bill pay through my bank. When I asked him for help to do this, he said he didn't really know how it works, I should contact my bank.
Complaint sub-issue: Information belongs to someone else

I applied for a XXXX credit card today XX/XX/20 and I was not approved due to a few accounts and inquiries reflecting badly on my credit report. I wasn't aware that these accounts were on my credit because none of them pertain to me. I did not open any of those accounts nor do I have any sort of written/verbal contract or agreement with any of those companies. I don't know who opened these accounts in my name without my permission but I have already filed a police report as well as a complaint with the CFPB in hopes of getting this resolved. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts.
Complaint sub-issue: Information belongs to someone else

FRCA Violation loan XXXX XXXX XXXX XXXX XXXX FRCA address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Theres multiple inquiries from clarity services incorporated in XXXX Florida that keeps putting hard inquiries on my credit report. They continue without my authorization or my consent. I dont even know who they are ... and I want them removed immediately. I've called via phone already awhile back and there continues to be added and unauthorized hard inquiries
Complaint sub-issue: Non-sufficient funds and associated fees

I started a debit card claim with citi bank in XXXX I have sense sent them all the information to process the claim. As of XX/XX/2020 I have not received a temporary credit or anti formation on the status of my claim.
Complaint sub-issue: Was not notified of investigation status or results

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX  / {$5300.00} / XX/XX/2021
Complaint sub-issue: Information belongs to someone else

IN REGARDS TO : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX THIS ACCOUNT IS REPORTING ON MY EQUIFAX CREDIT REPORT AS IF IT'S MY ACCOUNT. I'VE SENT NUMEROUS OF CERTIFIED LETTERS TO ON XX/XX/2016 THE COMPANY NOTIFYING THEM THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY AND THE LETTER WAS RECEIVED BY AGENT XXXX XXXX, ASKING THEM TO PLEASE CEASE AND DESIST WITH THE COLLECTION PRACTICES AS I AM A VICTIM OF IDENTITY THEFT AND STOP REPORTING THIS ACCOUNT TO THE EQUIFAX BUREAU BECAUSE THE ACCOUNT DOES NOT BELONG TO ME. I'VE ASKED FOR THEM TO VALIDATE THE DEBT AND TO VERIFY THE VALIDITY OF THE ACCOUNT. SHOW ME PROOF OF THE ORIGINAL CONTRACT BEARING MY ORIGINAL SIGNATURE. DO NOT SHOW ME PROOF OF BILLING STATEMENT BECAUSE THAT DOES NOT VALIDATE THE ACCOUNT TO BE ACCURATELY MINES. I'VE FILED THE PROPER PAPERWORK WITH THE LOCAL POLICE DEPARTMENT AND AFTER THEIR INVESTIGATION THEY SAID IT WAS NOTHING THEY COULD DO. I HAVE SENT ALL DOCUMENTATION INTO EQUIFAX TO REMOVE THIS ACCOUNT AND THEY HAVE YET TO DO SO.
Complaint sub-issue: Information belongs to someone else

Hi my name is XXXX and i was a victim of identity theft. I have numerous fraud accounts on my credit report. I filed a ftc identity theft report and police department. Fraudulent accounts include XXXX XXXX, XXXX XXXX, student loans, XXXX  XXXX XXXX plus more.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit bureaus are reporting an account incorrectly. I've disputed account with them ; I keep getting automated responses saying that the account was verified as accurate. 

I've contacted the furnisher, and they informed me that they are no longer reporting it as the account is closed and paid. 

XXXX removed the account due to no response. Equifax and XXXX claim that they are getting responses but their credit reports suggest that reporting has stopped. 

How can something be verified as accurate if the company is no longer reporting to the account, and the account is no longer open? Equifax and XXXX, aren't investigating disputes. They are merely verifying user information such as name and address. 

It is an FCRA violation to report inaccurate information. It is also a violation to ignore consumer dispute requests. Penalties for FCRA violations are up to $ XXXX per violation. 

With the help of CFPB, I would like to start or join a class action lawsuit in regard to this behavior.
Complaint sub-issue: Didn't receive notice of right to dispute

I was not given the proper notice to dispute this debt that is dragging down my credit score on my report. This debt has since been closed and paid.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my credit report and found out these accounts does not belong to me and I didn't authorize them to my account until I called XXXX and they refer me to this website to file my complain, Name : XXXX XXXX XXXX Date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX, XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX  date : XX/XX/2022, Name : XXXX date : XX/XX/2022, Name : XXXX XXXX XX/XX/2022, Name : XXXX XXXX XX/XX/2022 and Name : XXXX date XX/XX/2022, These are the incorrect information I found on my credit report from XXXX
Complaint sub-issue: Account status incorrect

Collection company listed on my Lexis-Nexis Report ... ( Not Me ) Listed incorrect should be removed ..

XXXX XXXX XXXX Nor a XXXX ...

XXXX XXXX XXXX?

Amount XXXX?

Also ...

Address Listing Eviction Notice XXXX County. ( Not me ) Listed incorrect Should be removed ..

XXXX XXXX XXXX XXXX, NJ XXXX And other addresses listed below ....

Some one else, Relative?

All Above Wrong information allready removed from my XXXX, XXXX and XXXX Credit Reports
Complaint sub-issue: Their investigation did not fix an error on your report

I have attempted several times to correct this problem. All three credit reporting companies are reporting a late status on the XXXX account on my credit report. The first inaccurateness is it was never late. Secondly each one is report a different month in which it was late. 
XXXX-Account numberXXXX, XXXX XXXX XXXX  ( XXXX XXXX XXXX ) , has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has it marked late XXXX XX/XX/XXXX Equifax-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has it marked late in XX/XX/XXXX, but on Annual Credit Report XXXX has it late as 0 times ( see attachment ). I have given documentation of the inaccurate reporting and the credit bureaus have still refused to follow guidelines set forth by FCRA and update the inaccurate information. 

I have also attempted to get in contact with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) per email ( request XXXX ) several times ; the last one being on XX/XX/XXXX requesting verification of the date when said late payment was deposited into their bank account ; ie a copy of your bank statement showing the date of deposit. I informed them If could not provide me with the documentation requested to validate said late payment then I requested the company remove the one late payment and update it as current. I finally got a response from XXXX on XX/XX/XXXX stating they are working on the issue after I contacted them again. As of today ' date, XXXX XXXX, I still have not heard from the company or received validation. 
I feel the credit bureaus and XXXX XXXX XXXX ( XXXX XXXX XXXX ) have not complied with FCRA laws in reference to this one late payment.
Complaint sub-issue: Their investigation did not fix an error on your report

There is a collections item listed on my Equifax Credit report from XXXX XXXX XXXX, XXXX that was listed XX/XX/XXXX in the amount of {$1100.00}. I filed a dispute via US Mail with both Equifax and XXXX XXXX XXXX asking for Validation of the debt. The confirmation number for the dispute for Equifax is XXXX. I received a letter in the mail from Equifax dated XX/XX/XXXX stating the debt was verified as belonging to me. I called XXXX XXXX XXXX at XXXX. The representative from XXXX XXXX XXXX stated that they have not responded to any credit bureaus as of yet because they only just received the notice of the dispute on XX/XX/XXXX and sent in a request to the original creditor " XXXX XXXX XXXX  '' for a request of validation and has not yet received a response. I called Equifax Customer Service and spoke with a supervisor named XXXX who refused to give me her initial of her last name who stated that XXXX XXXX XXXX responded to the dispute on XX/XX/XXXX verifying the debt as mine. I asked if they could send me whatever validation that was used, to which she said no. I advised XXXX that I called XXXX and I advised her of what they told me and she said that is not what the record shows. I asked if I could call the creditor on conference or if she could call being that there is a miscommunication to which she responded no. I advised XXXX that I already have a fraud alert on my account and she said all she could do is have the fraud department file another dispute. I did indeed just that. It is my belief that Equifax is not disputing my accounts correctly and are not truly receiving any validation and I am appalled that they can not send me proof or that they will not reach out to the creditor so verify if it was indeed them that responded to the dispute. I have sent numerous letters and called XXXX XXXX several times since XX/XX/XXXX and I receive the same response every time. I would like this removed from my credit report immediately!!!
Complaint sub-issue: Problem lowering your monthly payments

my computer was hacked by a scammer or persons claiming to be XXXX XXXX, they got all my credit card numbers my state id photo everything my pass words banking info as in reference to on line banking with credit cards, ,they wiped me out i been trying to get things straightened out, but im XXXX XXXX dont pay much, i was taking care of my dad and being paid for that, but he passed away a year ago i was hacked about two months ago but this discover card calls 30 times a day or more from early morning XXXX to XXXX 7days a week they are driving me crazy