Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

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 Equifax. The complaint number was 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 Equifax, 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 Equifax to resolve anything. In fact, I know that there was data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Complaint sub-issue: Personal information incorrect

Since XXXX I have my credit being reported to Equifax from all my creditors, but Equifax refuse to update everyone of them, on XX/XX/XXXX and on XX/XX/XXXX after innumerous calls I decide to use CFPB to se if Equifax would get things write, but still not working, the excuses from Equifax to my requests are ridiculous. After sending copy of the IDS and proof of citizenship Equifax still not report the correct name on my report or updated the information the creditor has being sent. 
On XX/XX/XXXX we asked why the name was not being accepted in the system and Equifax answering saing i'm not a resident in the usa for at least 10 year and have no social security number. 
In attach is copy of my Id 's including SSN and proof from some creditors that i'm a usa resident on the past 42 years, and also copy of the XXXX credit report
Complaint sub-issue: Reporting company used your report improperly

Failed to complete a full and investigation in regards to inaccuracies in report. Did not give permission to report
Complaint sub-issue: Information belongs to someone else

ON XX/XX/2020 I RECEIVED AN EMAIL FROM MY CREDIT REPORT MONITORING SERVICE OF A NEW ADDRESS THAT WAS ADDED TO MY CREDIT PROFILE. I IMMEDIATELY CHECKED ON EQUIFAX.COM AND FOUND FRAUDULENT ACCOUNTS AND ADDRESSES THAT DO NOT BELONG TO ME. I HAVE NEVER BENEFITTED FROM ANY OF THESE ACCOUNTS NOR HAVE I EVER LIVED IN FLORIDA OR UTAH OR ANY OF THE ADDRESSES LISTED IN MY REPORT. PLEASE REMOVE THESE ACCOUNTS AND ADDRESSES ASSOCIATED WITH MY CREDIT PROFILE. I HAVE FILED A POLICE REPORT AND CONTACTED EACH COMPANY INVOLVED.
Complaint sub-issue: Was not notified of investigation status or results

Recently sent a fax to freeze report, used their form and faxed it over today XX/XX/ " Corelogic/Credco '' received my request for a security freeze on my consumer file and a release of my report to be mailed to me.Please send me a full consumer report and freeze my report. All I want is to have my report sent to me with pin for freeze as well.
Complaint sub-issue: Their investigation did not fix an error on your report

Account Name : XXXX XXXX Account Number : XXXX Balance : {$480.00} Account Name : XXXX  XXXX  Account Number : XXXX and XXXX Balance : {$160.00} and {$1100.00} Account Name : XXXX  XXXX Account Number : XXXX Balance : {$120.00} Account Name : XXXX  Account Number : XXXX Balance : {$3400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$550.00} I would like to file a complaint against all three credit bureaus - Equifax, XXXX, and XXXX. I have disputed these five collection accounts since XX/XX/2021 and now that I'm on my fourth letter with the credit bureaus, I am still not getting a resolution from them and the information they are reporting on each item is still inconsistent. 

For one, I have disputed XXXX XXXX XXXX with the credit bureaus and with the collector directly, the first dispute letter I sent to the bureaus was on XX/XX/2021, while it was XX/XX/2021 with the collector. Until now I am still not getting a response from both parties and it is quite frustrating that I have to wait for months and not get any resolution.. I shouldn't have to wait this long to get this resolved. I am trying to get approved for a loan.
Complaint sub-issue: Their investigation did not fix an error on your report

I am challenging the incorrect information with XXXX and XXXX on my credit report. Where XXXX clearly violated the law. XXXX put on my credit report an account numbers that is not my and the balance are false. The XXXX month terms payment of an account that is completely close. Furthermore, XXXX mortgage is Fraud. The account is false, the date and the amount false. XXXX Mortgage is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts immediately.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX, I checked my XXXX XXXXredit report and found collection on report from ENHANCE RECOVERY CO XXXX -- -- -ERC COLLECTION COMPANy for {$71.00} from XXXXable wich is XXXX now in florida XXXX I've been with them for over 10 years and still with them now and my payment is always automaticly withdraw, i call them they said they said i don't have no balance cause it is automaticly withdraw from my bank account. 

I don't know this collection it is not mine and l lost some point of my credit score cause of this please help me with this ERC company, Thant you. 

ERC collection -- XXXX XXXX account : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Complaint sub-issue: Personal information

Equifax continues to provide my credit report to companies that do not have my permission or authorization to receive this infomation. As such, Equifax is showing XXXX hard inquiries on my credit report in the last 2 years, when in fact it should only be XXXX, max. I have reached out to equifax and have been told they do not remove inquiries and that I need to contact the companies and ask the companies to remove the inquiry. Several of the companies have indicated they did not request my report and do not show an inquiry to request removal.
Complaint sub-issue: Information belongs to someone else

equifax XXXX  XXXX  have all my information wrong attached a copy of the wrong information please remove it
Complaint sub-issue: Received bad information about your loan

Nelnet keeps sending me increasingly aggressive and threatening emails. The last of them, on Thursday, XX/XX/XXXX, states : " [ ... ] continued delinquent reporting, to the national credit reporting agencies. Legal action, including property liens and wage garnishment. Default and the obligation to repay your student loans ( sic ) in full to a collection agency. '' Nelnet has altered, doctored, manipulated my loan repayment plan. They suggest that I am behind in payments after having first placed my loan in forbearance of which I did not request. Thus, instead of the income contingent repayment plan, which I would not be required to make payments, forbearance set me behind in number of years remaining before my loans can be forgiven. Additionally, Nelnet has an extraordinary amount of documentation that I have been sending to them for many years. Nelnet has my official social security yearly forms without interruption at least from XX/XX/XXXX and many others documents, such as the ones proven I 'm receiving EBT ( " food stamps '' ). Nelnet knows as well that my monthly Social Security check is for {$260.00} and they know that my yearly income they have the forms showing it, for I sent them to Nelnet with religious punctuality is less than {$4000.00}. Which means, unequivocally, that I 'm living much lower than the Federal " poverty line ''. Nelnet knows as well that I live in a XXXX XXXX XXXX XXXX for senior citizens with very low income. Nelnet knows also that I 'm XXXX years old, and, therefore they are harassing and abusing an elderly person. Is Nelnet going too garnish the {$260.00} dollar a month of my Social Security ; is Nelnet going to put a " lien '' on my food stamps or perhaps on monthly S.S check?
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$100.00} XXXX XXXX  ( Original Creditor : XXXX TX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX Medical XXXX XXXX : {$190.00}
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the XXXX  of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00} and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$890.00} ( Original Creditor : XXXX ) XXXX*Balance Owed : {$100.00} ( Original Creditor : XXXX ) XXXX Balance XXXX : {$170.00} ( Original Creditor : XXXX ) XXXX Owed : {$180.00}
Complaint sub-issue: Billing dispute for services

Equifax, XXXX XXXX, XXXX credit reports. Are wrong. Address and accounts I never opened. I know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX   XXXX amount of XXXX. Joint account with a person I dont know never lived in Florida till XX/XX/2017!! 2 accounts from the same company first fraud account XXXX XXXX XXXX amount of XXXX. 2nd fraud account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud fake!! Not mine!!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

US Bank has not assisted me with an invalid charge on my credit card. 
I initiated an online order with XXXX XXXX on XXXX. XXXX XXXX never delivered the furniture to me as promised. On XX/XX/XXXX I was told the furniture was on back order by one customer service representative but later receivednumeroustext that my order was on it's way on different dates by XXXX XXXX. 
*On XXXX XXXX I receivedan email from " XXXX XXXX XXXX '' on behalf of XXXX XXXX to confirm delivery. I declined to confirm any time frames per the email instructions. *On XX/XX/1919 I receiveda text from XXXX XXXX that my delivery was 30 minutes away. 2 hours later I receiveda text from XXXX XXXX that stated my delivery had been scheduled for XX/XX/XXXX. *On XXXX XXXX I receivedan email from " XXXX XXXXXXXX XXXX '' on behalf of XXXX XXXX XXXX confirm delivery. I declined to confirm any time frames per the email instructions. 
*On XX/XX/1919 I receivedan email from XXXX XXXX that stated the order I placed would be delivered. 
*On XXXX XXXX I receivedan email from " XXXX XXXX Delivery '' on behalf of XXXX XXXX XXXX confirm delivery. I declined to confirm any time frames per the email instructions. 
*On XX/XX/1919 I receiveda text from XXXX XXXX that my delivery was 20 minutes away. No one showed up in 30 minutes. Two guys showed up hours later with damaged furniture that I refused delivery on. *On XX/XX/1919 I receiveda text that my delivery had been scheduled for XX/XX/XXXX. *On XXXX XXXX I receivedan email from " XXXX XXXXXXXX XXXX '' on behalf of XXXX XXXX to confirm delivery. I declined to confirm any time frames per the email instructions. *On XX/XX/1919 I receiveda text that my delivery had been scheduled for XXXX XXXX.The last text that I receivedfrom XXXX XXXX was on XXXX first stating that my delivery was 15 minutes away. No one ever showed up. 
Throughout all of this I never spoke with a customer service rep again after XXXX as I was no longer interested in doing business with XXXX XXXX. I contacted US Bank in XXXX to dispute the {$960.00} total that XXXX XXXX had placed on my account. XXXX XXXX then dropped {$400.00} some odd dollars from the pending charge and charged the difference to my credit card. Later I noticed the {$400.00} dollar show back up. 
I have attempted to resolve this issue with US Bank but US Bank ( my credit card company ) says that I have received goods from XXXX XXXX via mail communication. My credit card company did not provide me with any proof of delivery. I never received anything on this order from XXXX XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

Dear Nelnet Inc. 

You are representing XXXX in the aforementioned account XXXX listed under XXXX XXXX. Mr. XXXX has advised your company in previous complaints against XXXX XXXX that the accounts where in dispute prior to you receiving them for servicing. After reviewing the promissory note you claim that is verification of the deficiency balance. You also claim that you had sent Mr. XXXX copies of the payment history on this account. You ( Nelnet ) and XXXX have purposely devised misrepresentation of material facts. The documents I have been provided by MRXXXX XXXX clearly state that you are the student loan corporation using Nelnet systems. 

You claim this is a legitimate claim, however when you had sent the loan to XXXX XXXX they returned it back to you finding errors and your collection attempts and validation request was denied. You attempt to collect this debt although Mr. XXXX had disputed this account with XXXX XXXX violating provisions of the FDCPA. 

You are required by law to provide full validation, a promissory note is not sufficient for full validation request pursuant to section 623 of the FCRA. 

This debt is disputed and a request is made to notify the data furnisher of disputed information on XXXX XXXX XXXX XXXX. 

This claim is for the following creditors, servicers for a private student loan originating XXXX and XXXX from XXXX XXXX. A XXXX Assist student loan. Please verify with thXXXX National Student Loan data systems that this loan was dispersed to the institution attended.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account # : XXXX, XXXX Account XXXX XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602A. 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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has responsibility caused to believe that the information is inaccurate.
Complaint sub-issue: Old information reappears or never goes away

In the Public Records area of my credit reports, I see a Bankruptcy that was last reported on XX/XX/13 to XXXX XXXX. The account now shows closed and with a XXXX dollar balance and as a Chapter XXXX discharge from Equifax with the same XXXX dollar amount balance. I made the mistakes, I paid my dues and I suffered the embarrassment ; I think its only fair to allow me to go on with my financial life with what I have learned only to grow from it. The account was closed, dismissed, and discharged,  long enough ago for me to now have a piece of mind. Recently, I tried to make a large purchase for my family and the only thing that hendered the purchase was a Bankruptcy that was unfairly remaining on my credit from years ago that is now PAID IN FULL! The statue of limitations for this detrimental information would be up even if the account were open or still valid. Its time to remove the account and stop the deformation of my financial charter. Thank you.
Complaint sub-issue: Other problem getting your report or credit score

I RECENTLY RECEIVED IN THE MAIL AN EQUIFAX CREDIT FILE DATED XX/XX/2021, SENT TO ME FROM EQUIFAX. THIS VERIFIES THE FACT THAT I DO HAVE AN EQUIFAX CREDIT FILE. 

HOWEVER, WHEN MY CREDIT UNION ( XXXX XXXX XXXX XXXX ) TRIED TO GET MY CREDIT SCORE FOR THE PURCHASE OF AN AUTOMOBILE, THEY WERE UNABLE TO OBTAIN ONE. 

SO, MY CREDIT UNION, WHICH ONLY USES EQUIFAX, ASKED ME TO CONTACT EQUIFAX, I ALSO WAS UNABLE TO OBTAIN MY CREDIT SCORE.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello On XX/XX/XXXX I sent out a letter to XXXX, Equifax, XXXX I asked for a full validation of the reported information for 3 items. Amounts were for {$9100.00}, {$890.00}, {$470.00} I asked for signed, original contracts for that correlates to the accounts in question. I got billing statements but now signed contracts. I sent a follow up letter on XX/XX/XXXX stating I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report.You are required to do this under the FCRA 609/611. I have since received an email saying that this has been validated but the items are still on my report and not signed contracts were provided.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  claims that I have a loan I took out with them this happened when I went overseas for a year I never took out a loan with XXXX XXXX I have tried to correct this problem with them several times they will not change it on my credit report I did not apply or sign for a loan with XXXX XXXX they are unable to produce a signature on this loan I am hiring a lawyer and also going to get a lie detector test and bring the results to the hearing when we have a hearing on that I am going to charge XXXX XXXX with all lawyer fees and the lie detector test this is the only way I know that they will take it off my credit report they accuse me of opening this account when I did not open it XXXX  XXXX will be responsible for any lawyer fees and the lie detector test to prove thate I did not take out this loan
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the fair credit Reporting act XXXXXXXX XXXX  XXXXXXXX  # XXXX, and XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, And XXXX XXXX XXXX # 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 account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

I called Equifax on XXXX and spoke with XXXX. I advised him that my credit card was not reporting on my credit and asked to dispute inquires on my report. He advised me that he could not do anything about either. My XXXX XXXX account is not reporting on my Equifax report, it is on all the other credit reporting agencies. Equifax is the reason that I spent months getting my card reactivated as they said I reported it as fraud, which was never the case. Finally after I got that fixed they stated they would put it back on my report, however that has not occurred for a year now. I want my report to be accurate and Equifax is failing to do that. When I reported this to them they said that would be up to XXXX XXXX but all other agencies are reporting it.
Complaint sub-issue: Was not notified of investigation status or results

I have been contacting the credit bureaus and auto loan company for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed out over this address and auto loan thats not mine. It has been causing me to be denied for credit and has really taken a toll on my family financially during the pandemic. I need Equifax to take this complaint seriously and delete the fraudulent items from my credit report.