Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/2021 XX/XX/2021 and XX/XX/2021 I mailed dispute letters to Equifax, XXXX  and XXXX  to remove accounts listed below for inaccurate information its been more than 30 days and they still haven't replied to me that violates my fair credit rights. especially section 609. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the account from report. Again they are violating my rights under the Fair Credit Reporting Act. can you please make them delete these items from my report for violating my rights please.
Complaint sub-issue: Was not notified of investigation status or results

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/2020 but XXXX Equifax and XXXX are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. I do understand COVID has impacted the world but it seems as though I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted the XXXX OF XXXX XXXX & they told me I've never missed a payment, yet Equifax refuse to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct this damaging negatives from my profile.
Complaint sub-issue: Their investigation did not fix an error on your report

ALL 3 MAJOR REPORTING COMPANIES FAILED TO VERIFY MY INFORMATION WITH CREDITORS BEFORE ALLOWING THEM TO PULL MY CREDIT REPORT. I had a fraud alert on my credit report that would have lasted for at least 4 to 5 years. There were inquiries on my credit report that were not mine. I disputed with all 3 major credit reporting agencies over and over again with no resolve. These creditors pulling my credit profile have not supplied any proof of verification showing any signed applications verifying my identity. The following are hard inquiries on my credit report that I have no knowledge of. 

- 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 These inquiries have an impact on my credit score and need to be removed. 

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Complaint sub-issue: Information belongs to someone else

I filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I have not received any investigation results. 

FEDLOAN SERVICING XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$150.00} XXXX XXXX  XX/XX/XXXX {$5300.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I notified Equifax that I am a victim of identity. Dear Equifax, XXXX XXXX XXXX am not a third party and I have and still do give authorization for my credit report to be corrected
Complaint sub-issue: Was not notified of investigation status or results

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Complaint sub-issue: Account status incorrect

XX/XX/2019, {$100.00}, Account closed by XXXX XXXX EQUIFAX is reporting inaccurate information on my credit report. 
A closed account should not say ( open account ) on a consumer credit report. A collection account should not have a amount of {$100.00} dollars.

602. Congression

al findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Complaint sub-issue: Investigation took more than 30 days

I noticed inaccurate items on my credit report over a month ago and sent a dispute letter requesting the items be removed from my credit profile. Now it's been over 45 days and these items have not been removed nor have I been notified of the investigation
Complaint sub-issue: Investigation took more than 30 days

I sent disputes on XX/XX/2022 to remove unlawful information off my credit report. its been more then 30 days and its also bringing my score down. I can't buy a house or get a car with loans, due to the information on my report.
Complaint sub-issue: Information belongs to someone else

RE : DELETIONS TO CREDIT REPORT Recently, I discovered alleged accounts on my credit report for which I do not recognize. Pursuant to FCRA 623, I am demanding their removal. I have indicated the items below. 

Accounts : SOURCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. 

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

My name is XXXX XXXX XXXX 3and my social security number is XXXX year of birth is XX/XX/1969 address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX my complaint is that equifax refused to remove all the 8 hard inquiries that affect my credit score. Off my report I've been victim of fraud. I spoken to them numerous times regarding this existing problem
Complaint sub-issue: Frequent or repeated calls

i am receiving non stop calls from this agency starting from early XXXX to late XXXX, during which time if i attempt to say hello no one says anything they stay silent until i hang up and they just repeat the action by calling again constantly, i have tried to reach out to the company directly to express the issue but the calls continue
Complaint sub-issue: Information is not mine

Equifax will not get XXXX60 more days, they have till the end of the business day Monday to block the information that was submitted in my affidavit due to the fact that my affidavit was not rejected and the FTC states that if they did not reject it then they have 4 days to block the information. Equifax has 3 months so far to investigate and it is obvious that they have not followed the law.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter to equifax, XXXX, and XXXX  in reference to incorrect information being reported on my report. I have not gotten a response from equifax or XXXX. XXXX responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. They have also failed to provide me with how they verified an alleged charge off when requested or investigate my disputes which is a direct violation of the FCRA. It is the bureaus responsibility to report accurate info at all times.
Complaint sub-issue: Information belongs to someone else

I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Complaint sub-issue: Didn't receive enough information to verify debt

I messaged the company and they refused to confirm the debt. I have proof in text messages and will be contacting the Attorney Generals Office if this matter isn't solved. I was told I owe {$340.00} from a utility company. I've never heard of this company and never signed any documents for them. This debt collector is being rude and not helpful at all. Not sure if they are a scam or what but I need to see proof of this and where it came from before I pursue more actions.
Complaint sub-issue: Account information incorrect

There is an old unsecured business loan that is showing up on my credit report. It was to XXXX XXXX XXXX. It was purchased by XXXX XXXX XXXX. The debt was settled with XXXX XXXX by myself in 2019. Now there is another amount for {$9200.00} showing up on my credit supposedly originally owed to XXXX XXXX XXXX. I have disputed this debt numerous time through the credit agencies. I have asked for original documentation of the loan, which they can not provide. No documentation has been forthcoming. I just get back a message that the debt has be validated by XXXX XXXX XXXX. Aren't they required to provide the loan contract to me. They can not, because it doesn't exist. It feels like they are in cahoots with XXXX because XXXX is paying them to report old XXXX debt. 

I have just let the reporting sit out there because obviously they can't collect this debt that is not real. But now it is affecting my ability to get a mortgage.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Complaint sub-issue: Public record information inaccurate

Transunion and equifax are reporting tax liens, judgements, and public records on my account,. They are not doing proper Investigation because they are paid by the creditor to report items that are not supposed to be in there. Everytime I try to dispute with the credit bureaus the representatives are always nast, and rude., my only option is to report it to the consumer financial protection bureau so they can enforce the rules, regulations, an laws to these bureaus so that they can stop purposely trying to block the consumer from mortgages, loans, and credit the consumer deserves, the credit bureaus are reporting XXXX XXXX and XXXX XXXX XXXX XXXX liens, they are violating the FCRA by reporting tax lien, judgements a, and public records,. They still put a judgement on my credit report by XXXX XXXX XXXX XXXX which keeps disguising an eviction judgement as a collection loan,. I have attached the judgement case number and court te judgement was filed, hopefully this time the consumer financial protection bureau can enforce the credit bureaus to remove this judgement, and XXXX tax liens totaling {$34.00}, XXXX. these liens need to be removed. Also equifax keeps reporting closed accounts negatively, and keeping negative items on my credit report more than XXXX yrs, and reporting positive accounts negatively, they also have an old child support account on my credit they will not remove even after XXXX yrs of credit reporting
Complaint sub-issue: Personal information incorrect

Today, I am currently on the line with Equifax disputing incorrect personal information they have on my credit profile. Additionally, I asked for a copy of my most recent credit report and they said they have to send it to the current address they show which does not belong to me and that I have disputed multiple times. They are aware of my current address since they have mailed me a copy of my credit report within the past 6 months, and all of my creditors are reporting my current address. This has been a major ongoing issue with Equifax because every month I am finding incorrect information that has been added or information that has been removed 10 years ago readded out of nowhere. I have over 20 disputes regarding personal information. When I asked to speak with a supervisor the representative transferred me to their survey vs handling the issue at hand.
Complaint sub-issue: Account information incorrect

I contacted the company on XX/XX/2020 and sfvised them that all three credit agencies XXXX, XXXX XXXX and XXXX  were all reflecting this as an open loan that was paid off in XXXX - XX/XX/2020 and they should update their file. However, they refused and told me to do so.
Complaint sub-issue: Information belongs to someone else

I checked my consumer report and found inaccurate items on my consumer report. The following items are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, INACCURATE NAMES, AND ADDRESS.
Complaint sub-issue: Other problem

We have a Home Depot credit card issued through Citibank. It has a XXXX balance. 

On XX/XX/21, {$3000.00} was accidently transferred via our bank 's bill pay system to the Citibank/Home Depot card.

Currently, we have a {$3000.00} credit on the account.

Citibank/Home Depot is refusing to return the funds in any format. They refuse to transfer the funds back to the account from which they came, to the account linked to the credit card, or to issue a paper check.

Because one spouse is listed first on the bank account ( although it is a jointly held account ) and another spouse is the primary user of the credit card, Citibank/Home Depot claims they can not return they funds. Both spouses share a mailing address.

Citibank/Home Depot has been provided with copies of routing information regarding the transaction and joint ownership verification of the checking account. 

The loss of access to these funds is a hardship for us. A satisfactory resolution would be the return of the funds in any way -- to either or both spouses.
Complaint sub-issue: Billing dispute for services

In XX/XX/XXXX, I tried to open an account at a local bank for personal use. The bank clerk notified me that there was a profile already created with my SSN. The personal information associated to my SSN was not me nor anyone I knew. The clerk advised me to get a credit monitoring service in case this unknown person tries to use my information in a negative manner. 

In a panic, I sign up for Equifax ID Patrol Premier which is a Comprehensive Identity Threat Protection and Credit Monitoring service. The service is a monthly subscription of {$19.00}. My first payment was XX/XX/XXXX of {$19.00}. 

In XX/XX/XXXX, Equifax informed the nation that millions of consumers ' personal information was breached by hackers between XX/XX/XXXX and XX/XX/XXXX. They later admitted the number of affected consumers had increased. 

As instructed by Equifax, I went to their website to find out if I was affected by the breach. The website stated that I was possibly affected by the incident. I signed up for free credit monitoring service offered to affected consumers. A few weeks later, I was notified by Equifax that I would receive the XXXX XXXX XXXX  service for free for a year. 

Due to medical issues, I did not contact Equifax to inquire about my current monthly subscription for the ID Patrol Premier service until XX/XX/XXXX. I explained my situation to the first Equifax representative and asked her to explain the difference between the two services. After her explanation the services sounded very similar. I requested to cancel my monthly subscription and she did. I then asked her if I would be reimbursed for the previous months because 1 ) The country was receiving the same service for free while I was paying $ XXXX/month. Equifax did not notify their paid customers to ask if they wanted to continue this paid service. 2 ) When I came to Equifax to safeguard my information in XX/XX/XXXX, it was being hacked due to Equifax 's failure to fix known vulnerabilities with their IT systems.

The 1st representative could not help me with the reimbursement and transferred me to second representative. The second representative could not help me so I requested to speak with a supervisor. The supervisor said that it is company policy that a reimbursement can not be done on a monthly subscription. I stated that this is a special circumstance since the data breach should be an exception to this long standing policy. 

After asking to speak to someone that can assist me, she said there is no one higher than her and offered to provide the HQ mailing address to submit an inquiry. I declined the address and requested her name and badge information. Her name is XXXX, Badge #  XXXX, Nevada Office.
Complaint sub-issue: Called before 8am or after 9pm

I told them i was in a agreement with XXXX and i tried to make a small settlement they could and wouldn't work with me
Complaint sub-issue: Reporting company used your report improperly

I Went to apply for a credit, with one creditor and once i applied with them i had alot of unauthorized inquires. 

XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXXXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX, GA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Overdrafts and overdraft fees

on XX/XX/2021 my checking account balance was low so I transferred money from my saving to my checking account to cover purchases. After I made the transfer i made a few purchases. Usually, when I transfer money it becomes available right away or at some point the same day. This time they didn't make my found available until the next day after my purchases were posted to my account causing me to overdraft 3 times and refusing to reverse the fees.
Complaint sub-issue: Didn't receive notice of right to dispute

I discovered this account on my account. I have never received a notice for the right to dispute. I have no knowledge of this account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # 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: Impersonated attorney, law enforcement, or government official

XXXX XXXX is reporting a bankruptcy. and verifying to all three major credit bureaus. The Federal bankruptcy court is not reporting any information to the credit bureaus and I don't have an account or contract with XXXX XXXX. The Bankruptcy filing is not accurate. 

Hunter Warfield is reporting a judgment that has been satisfied in the XXXX XXXX Tennessee Circuit Court. Hunter Warfield was not a party to the judgment that was satisfied and it is illegal for then to report a civil judgment in which they were not a party to the suit. 

Tennessee Dept. of Human Services is reporting a Texas Civil Judgment. The State of Texas only gave them the authority to enforce child support. The Dept. of Human Services has refused to give me a hearing to contest this negative information and Tennessee law strictly prohibits adverse actions without an opportunity for a hearing. The account should be deleted immediately.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters again on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 35 days later, I have still not received a response yet. I think they are taking advantage of me and ignoring my disputes. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. This information violates the FDCPA section 807 and also FRCA 15 USC 1681 A, USC 1681 # 2. They are infringing on my right to privacy and I demand that these accounts be deleted immediately from my credit report or I will file for litigation due to the stress you caused me.