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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The XXXX and Equifax and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1100.00}
Complaint sub-issue: Information belongs to someone else

Good day, to whom it may concern, I am writing you today because I sent out dispute letters to Equifax on XX/XX/21 and it's been now almost 60 days and they have NOT responded to me at all regarding the inaccuracies that's being reported on my credit report. They are not taking me or my situation serious and this is causing me stress and built up anxiety because it's hurting me from getting a new home. I'm being seen as risky when I'm not and it's not fair that due to their mistakes I'm being labeled as risky when I'm actually not. I tried calling and emailing them still no reply.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you 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: Credit card company isn't resolving a dispute about a purchase on your statement

I've been made aware of the fraud on the discover credit card account. 
They are in violation of several consumer laws. I can list a few to begin.

1.UCC 3-302 2.UCC 3-306 3.15 USC 1666 ( d ) 4.15 USC 1666 ( e )
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX has 2 files one past due from move in XX/XX/18 to XX/XX/18 total outstanding {$4400.00} then another in collections dated XX/XX/18 in the amount of {$4400.00} This is the dwelling rented by XXXX XXXX ; I was the XXXX  for his XXXX  child. I was told since I would be in the dwelling while caring my name should be listed as authorized to be there. I did not have anything to do with any lease as I never resided at the unit. I have spoken to an agency attempting to ask for a payment and I provided them with the same information
Complaint sub-issue: Investigation took more than 30 days

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. 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. 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 stress you 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: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Delay in processing application

I was trying to buy a laptop at Best Buy. There was a sign advertising 10 % off of you opened a card that day and the rep sold it to me. He opens a credit card with citi on the phone and I am approved. Then we go to try to use it, and citi says they cant verify my id after having just taken all my information to open a credit line in my name because I bank with XXXX  and not citi. I asked the guy how often this happens that someone opens an account and cant use it. He said often. 

During the application process on the phone, they collected my social security number and replayed on speaker phone to the whole department. 

I ended up paying with my own XXXX  credit card at full price even though citi now had collected all this information on me which they will likely now sell and Best Buy promised 10 % off. 

So I want to expunge this fraudulently opened account from my credit report. It was opened in bad faith. 

I tried mediation with citi through the AG. They did not cooperate and the NY AG told me to go to small claims for the XXXX dollars. 

I have since returned the laptop. I dont want this fraudulently opened card on my credit report The NYAG intake number is Intake # XXXX.
Complaint sub-issue: Threatened to sue you for very old debt

A company calling themselves XXXX XXXX XXXX contacted me about a very old credit card debt, long gone from my credit report, perhaps 9-12 years old. They said I was going to get served for court and face charges if I didn't pay. As it turns out they are trying to collect on the very same old debt another company just got me to pay off. I believe I have been scammed. Now this second company keeps calling my cellphone, my work phone and my mothers phone. They know my address and other information as well. A man who is calling himself " Investigator XXXX '' keeps calling me at work. Initially I did speak with him and he was telling me I Need to reverse the charges with the other company and submit payment to them instead. The first company, the one I did pay is calling themselves XXXX XXXX XXXX XXXX. I will be filing a report about them as well because they too appear to be using illegal tactics. 
I am going to see an attorney regarding both companies next week
Complaint sub-issue: Debt was paid

I am disputing the following account : Moneylion Inc. Account # XXXX. Opened date XX/XX/2019. Original balance {$500.00}. Balance {$0.00}. Closed. 

I already tried to fox this issue with Moneylion. They havent moved a finger. Not even to investigate the account or marke it as disputed.This account is related to fraud, and they keep on reporting it. 

I am demanding XXXX a deletion letter, and this item to be removed from my report. 

Please send to Moneylion the attached documents. 

Thank you.
Complaint sub-issue: Account information incorrect

I contacted first progress to remove the erroneous information in XXXX of 2020. 
I disputed the inaccurate information, however the disputes came back verified, without sending me the information used to validate the accounts, against FCRA statutes. 
I furnished copies of all 3 credit reports, showing the variations of misinformation. 
On XXXX XXXX, the information came back as valid again. 

In XXXX, I contacted the better business bureaus, and was told first progress would update the account. 
as of this point in time, First progress is still reporting inaccurate and erroneous information. 

The items I cited as being violations of the FCRA were posting the high balance being higher than the collections rep had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), the fact that I had previously disputed with the CRA and they returned incorrect information FCRA 623 ( a ) ( 2 ) ( B ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and told them they would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if they continued to report any information at all to the CRA. I also let them know there are 0 sections in the FCRA that require them to report anything at all, and 0 sections that prohibit deletion.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Account status incorrect

An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. Please remove this late in my credit report.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$20000.00}
Complaint sub-issue: Reporting company used your report improperly

It was reported today ( XX/XX/XXXX ) that Equifax was hacked in XX/XX/XXXX and many, many consumers personal identifying information was compromised. According to their website equifaxsecurity2017.com, my data were among those stolen.
Complaint sub-issue: Their investigation did not fix an error on your report

2nd request, and as per credit bureau my documents weren't received, I am resending my FTC and identification
Complaint sub-issue: Information belongs to someone else

I dont have any of these sickness that have been place on my MIB report. I believe someone else information was placed under my name. Please reach out to my Physician for my up to date Medical records. 
XXXX XXXX XXXX XXXX Or fax number XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX or fax XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiry was on XX/XX/2016 Discover XXXX XXXX, DE XXXX ( XXXX ) XXXX A credit inquiry was performed, and I did NOT authorize it. 
I notified the company, and they claimed they did not see it on their end. XXXX XXXX gave me the run around on removing the inquiry from my report.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Complaint sub-issue: Threatened to take legal action

XXXX has filed a suit against me on a bill that has been payed in full. The bill was {$650.00}, through Home Depot. On XX/XX/XXXX, I paid {$400.00} drawn from my personal bank account. Then on XX/XX/XXXX I paid the remaining bill of {$250.00}. I have asked several times to be sent a letter indicating that the bill has been payed. XXXX has refused and even filed a law suit against me even after bill had been paid in full. They also have refused to indicate to creditors that the bill has been paid in full, purposely ruining my credit and credit score.
Complaint sub-issue: Debt is not yours

I have disputed these medical charges multiple times now. I've given them the XXXX/XXXX  XXXX  I had during this time that's is responsible for these charges and with no response or haven't removed off of my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022 - Equifax, XXXX and XXXX. I am requesting the removal of all hard and soft inquiries that are older than two years old.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This company ran a hard Inquiry against my credit report without approval. I have attempted to communicate with the company to resolve this but have received no response. Please remove this from my credit report. 

Inquirer Name : XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Complaint sub-issue: Information is not mine

I faxed a Multiple Inquiry Removal Letter on XX/XX/2017 in order to dispute information in regards to XXXX hard inquiries dated between XX/XX/XXXX and XX/XX/XXXX, that was being reported on my credit report. I received confirmation that they received my letter via fax at XXXX. The request that I submitted included XXXX Hard Inquiries that were not factual and when I called to follow up, I was given the response, which was " inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I was told this over the phone, clearly tells me thatthere was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$340.00} ), XXXX XXXX XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Credit limit {$3000.00} ), XXXX XXXX XXXX Date opened XX/XX/XXXX, Credit limit {$100.00} XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Credit limit {$800.00} ) Its been over 45 days and Equifax XXXX respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Debt was result of identity theft

Reached out to creditors via phone described XX/XX/2017 victim of identity theft and fraud ; provided police report. To date each creditor have not reverse credit card to good standing or deleted omission 's derogatory statements from credit reports ( XXXX, Equifax, and XXXX  XXXX  ).
Complaint sub-issue: Account status incorrect

I was on a retroactive forbearance for my student loans through  XXXX   XXXX  from  XXXX   XXXX  through  XXXX   XXXX .  XXXX  had reported on all   XXXX   credit bureaus that my  XXXX  payment on several of my accounts was 90 days late. The reporting significantly decreased my credit score. I filed a dispute with the credit bureaus with documentation, but it has gone no where.
Complaint sub-issue: Personal information incorrect

My first name is misspelled on my credit report. An address I never lived at is listed on my report. I have tried multiple times to get Equifax to fix it and they claim it is fixed but the wrong past address is still there and they just sent me by USPS a letter addressed to the misspelled first name. 

I filed a complaint with the CFPB a few weeks ago and the company 's response had nothing to do with my complaint. 

Equifax CAN NOT BE TRUSTED with sensitive credit information.
Complaint sub-issue: Information belongs to someone else

I would like you to know that I am victim of identity theft. This is destroying me because I can not understand one thing- Why you guys do not check what you report? How that possible that I am a victim of identity theft and I need to write you and to beg you to remove wrong and somebody else items? For how long I have to wait in order to see my accounts in my report? I want to see my accounts in my credit report please I kindly ask you organize it, to check everything control your actions and to start reporting my information finally! Thank you
Complaint sub-issue: Public record information inaccurate

I am disturbed that you continue to list the dismissed bankruptcies as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Complaint sub-issue: Information belongs to someone else

I pulled my annual credit report and noticed errors reported on my credit file.
Complaint sub-issue: Funds not handled or disbursed as instructed

I had a transfer of {$270.00} scheduled to occur nightly from my Square Balance to my checking account. Square has closed my account without warning despite abiding by all of their payment terms. Further, they are refusing to release my funds as agreed upon.
Complaint sub-issue: Their investigation did not fix an error on your report

As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX account # XXXX {$1600.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed