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

On XX/XX/XXXX I requested what method of verification of they used to verify the bankruptcy that is being reported on my credit report. On XX/XX/XXXX I received a letter from Equifax stating that they verified the bankruptcy through XXXX XXXX. I reached out to XXXX XXXX and put in a request for an investigation into where they got the bankruptcy listed. After XXXX XXXX completed their investigation on XX/XX/XXXX I received a letter stating they removed the bankruptcy from their records and from my XXXX XXXX Report. 

On XX/XX/XXXX I mailed letters to Equifax requesting the removal of the bankruptcy # XXXX that is reporting on my credit report. I sent them the original letter from XX/XX/XXXX, Equifax investigation results letter from XX/XX/XXXX, the letter from XXXX XXXX dated XX/XX/XXXX, and a letter from the XXXX XXXX stating that they do not verify or communication with third parties or credit bureaus. 

On XX/XX/XXXX I called XXXX to follow up with my documents and was told that they did not see any documents from me and was advised to resend them online to myequifax.com which I did. Online confirmation number for this submission is # XXXX and # XXXX. I also sent in a second set of all the letters listed above via mail. Both mail attempts were sent certified and signed for by someone at Equifax. 

On XX/XX/XXXX I called XXXX at XXXX to follow up and spoke to XXXX XXXX She stated that she did see the documents that I submitted online and that I needed to give them the remaining days of the 30 days to review. Once reviewed they will remove the bankruptcy and update my credit report. Confirmation number XXXX As of XX/XX/XXXX, I have yet to receive anything back from Equifax in regards to this investigation. Even with several calls after XX/XX/XXXX
Complaint sub-issue: No notice of investigation status/result

Each time I dispute with Equifax I receive a generic response only after a few days of my dispute. Equifax stated that I did not list the account names, numbers, etc for my disputes. Well I have uploaded proof of my letters I mailed with the account numbers etc that match the information I pulled from my Equifax file. The only information I have is what 's provided on my report. So I do n't understand what other data would I have to include. Nobody has validated any of these negative items. Also Equifax is removing some of my inaccurate inquiries. But when I first disputed it they advised me that these inquiries were a factual record of file access. Each letter I send explains why I am disputing these transactions. I keep records of everything. It 's not nice for Equifax to practice dishonesty especially if they do n't know what documentation someone possesses. All I want is what is fair. After 2 letters Equifax has failed to validate not verify these items on my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

My name XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Complaint sub-issue: Information belongs to someone else

Fraudulent account identity theft XXXX credit Amount XXXX Open XX/XX/17
Complaint sub-issue: Card opened as result of identity theft or fraud

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Fraudulent Account Date : XX/XX/XXXX MACY/CBNA ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern, On XX/XX/XXXX, There was an account opened in my name that is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau. 

To resolve the problem, I would like to demand that this fraudulent account to be removed from my credit report as it does not belong to me and is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent account. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 
Sincerely, XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX Date : XX/XX/2021 Balance : {$5500.00} XXXX XXXX XXXX Date : XX/XX/2021 Balance : {$32000.00} these account are un authorized accounts that are affecting my credit score.
Complaint sub-issue: Account information incorrect

I sent Equifax a certified letter back on XXXX XXXX, 2017 about unauthorized inquires that was appearing on my credit. They have not responded nor have they sent me an updated report showing the changes. When I attempt to call in their hold time is always over 45 minutes and I can not get a hold if anyone. There are different names, addresses, inquiries and now a collection showed up over the last week that does not belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the credit bureau several times in regards to this account. 
They all come back stating the account is verified and accurate even though i have asked several times how is the information being verified and with whom. I never get a response. 
XXXX XXXX XXXX It states its for a University I did not attend this university. 
I've attended two universities one XXXX and the other XXXX. 
I want this off my credit report and not to be taken off and then put back on cause thats what they are doing. 

three versions of this letter have been sent NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Complaint sub-issue: Debt is not yours

Checked my credit report and seen afni on my credit report claiming I owe {$640.00}, I dont know this company at all
Complaint sub-issue: Account information incorrect

both XXXX XXXX and Equifax block me from their web sites to file complaints and will not allow me to login to check results of disputes and refuse to correct info and balances
Complaint sub-issue: Debt was result of identity theft

I lost my drivers license and as a result, someone used it to gain medical attention, and car Rental services. So Please Remove.
Complaint sub-issue: Other problem getting your report or credit score

Called XXXX XXXX For a letter confirming that I have paid off balance of XXXX card and paid half of balance on XXXX nd card.. Not received any letter from XXXX XXXX.. customer service confirms card have received my payments but refused to send me a letter via Fax or Email. 

I need the letter so I can clean up my credit report so I can apply for mortgage loan. This is delaying my mortgage application and can cause denied application. I have provided an email and fax number, but XXXX XXXX Customer service lies that it has been sent, Nothing is received, unlike All other credit card companies, XXXX, XXXX, XXXX XXXX and other have sent me fax confirmations in XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I XXXX XXXX, have filed a dispute with the respective XXXX credit bureaus XXXX, XXXX, & Equifax. It has been well over 30 days since I filed an FTC report under # XXXX and sent it to the three credit reporting agencies on the XXXX of XX/XX/XXXX in which it is now XX/XX/XXXX 44 days and have not heard anything back! However, not only has these bureaus ignored my request for inaccurate information contained on my credit report they have sent me irrelevant letters stating that these disputes are not from me and that I must send identification for proof of identity in which I have already included in these letters. I am not horsing around with these credit reporting agencies that believe they have the authority to supersede the law in which I am demanding respectfully to be provided proof of these alleged items, specifically the contract, role or other instrument bearing my signature that verifies these alleged accounts or I will be filing a claim in federal court if these are not removed immediately.
Complaint sub-issue: Account status incorrect

The company reported to both XXXX  and Equifax that my payments were late ' twice by 30 days for XXXX and XX/XX/XXXX, then 90-119 days late for XX/XX/XXXX, and finally, 60-89 days late for XX/XX/XXXX. I reported a dispute directly to the credit reporting agencies which did not help the situation. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. I had payments clear, plus my account was current in the month pf XXXX which is showing as " no data '' on my credit report. 
2. My account was not delinquent by 90-119, I was current for XX/XX/XXXX and made a payment early XXXX ( XX/XX/XXXX for {$400.00} ) that cleared. 
3. I spoke with a company representative and asked for COVID impact relief to which they said they would not offer.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive called MoneyLion multiple times about a loan l took out in XX/XX/2020. The loan payments were being drafted from my checking account. I noticed on my credit report I had 60 days late payments. I called them with little help at all. I disputed it on my credit report until they wouldnt let me anymore. The results after being disputed were just the months I was told I was late. At first late payments were reported for XXXX and XXXX. Then after being disputed changed to payed in XXXX and XXXX and late for XXXX and XXXX. I was never late.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018, my application for discharge of my federal student loan was approved on the basis of my total and XXXX  XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was discharged. 

Following my receipt of this letter XXXX XXXX and Equifax reported that the loan was closed and reflected a XXXX balance. This raised my credit score to over 800 and " Exceptional. '' XXXX   continued to reflect the balance was over {$330000.00}. I filled two disputes with XXXX. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called XXXX  they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX 's website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect. 

My question and complaint is, how and why did the account show closed and a XXXX balance with XXXX XXXX and Equifax and never with XXXX? 
Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XX/XX/XXXX and a balance of XXXX should be reflected on all three credit reports?
Complaint sub-issue: Information is missing that should be on the report

In the attached dispute letter to Equifax dated XX/XX/XXXX listed inaccuracies such as a late payment and account information. As a result of the dispute inaccuracies, Equifax deleted the entire accounts in error. Since, I fax to XXXX on XX/XX/XXXX to reinsert the open and active accounts without action or communication. On XX/XX/XXXX, I fax again to Equifax at XXXX, and to date, no action to correct this error, nor have I hear from them to have the open and active accounts reinserted. Since, I called XXXX XXXX XXXX  XXXX and spoke with XXXX and was informed they reported to Equifax on XX/XX/XXXX, XXXX XXXX and XXXX of XXXX. I caleed XXXX XXXX XXXX  an spoke with XXXX and was informed they report to Equifax every Friday. I called and spoke with XXXX at XXXX XXXX XXXX and they last report to Equifax on XX/XX/XXXX. My XXXX  XXXX Auto Financial was not disputed as this is open and active, yet Equifax deleetd the account in error, and XXXX from XXXX XXXX stated they report to Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. To date, no action has been taken to correct and reinsert the above listed accounts that are open and active.
Complaint sub-issue: Report improperly shared by CRC

I DID NOT AUTHORIZE THE INQUIRY FROM XXXX XXXX THAT IS NOW ON MY XXXX CREDIT REPORT. I APPLIED FOR AN AUTO LOAN FROM XXXX, AND THEY DID AN INQUIRY WHICH I AUTHORIZED. AT THAT TIME, THEY APPLIED FOR CREDIT IN MY NAME AT THE OTHER INSTITUTION. I DID NOT AUTHORIZE THEM TO DO THAT. SIMPLY PUT, THIS IS FRAUD. THE INQUIRY FROM XXXX IS VALID, BUT I WANT THE FRAUDULENT INQUIRY THAT WAS MADE IN MY NAME REMOVED, AND SANCTIONS AGAINST WHOEVER IS RESPONSIBLE FOR THIS ILLEGAL ACTIVITY. PLEASE RESPOND AS QUICKLY AS YOU ARE ABLE TO, SINCE MY ATTORNEY IS ALSO WAITING ON THE RESULTS OF YOUR INVESTIGATION.
Complaint sub-issue: Account status incorrect

I have disputed a 90 day late payment being reported on my XXXX XXXX account # XXXX for XX/XX/XXXX with Equifax, XXXX XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they have come back and stated that they verified it as accurate. I was in an approved financial forbearance during the time that the delinquency is reporting. I have attached the documentation, so how are they verifying this entry as accurate?
Complaint sub-issue: Reporting company used your report improperly

Complaint To Remove Inaccurate Credit Information To Whom It May Concern : I Received a copy of my Credit Report and found the Following Item ( s ) to be in Error. 

By the provisions of the Fair Credit Reporting Act. I demand that these item be investigated and removed from my credit report. It is my understanding that you will recheck these items with creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Section 1681i ( a ), you must complete this reinvestigation within XXXX days of reciept of this complaint. 

Please send me an updated copy of my credit report. according to the act, there shall be no charge for this updated report. i also request that you send notices of corrections to anyone who recieved my credit report in the past XXXX months. 


I Am a Natural Person, I am a living human being, I Have rights under 15 USC 1681. 

Equifax Is Gorvern By The USC 1681. And They Violated My Rights Numerous of times. I Also Demand the ( Accounts Type Below Listed Be Removed, Because According to 15 USC 1681 : I have the right to privacy and did not give consent/written permission to furnish any of these accounts. With images.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was found 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 is the inquiry that is still reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2020 2020
Complaint sub-issue: Information belongs to someone else

I contacted XXXX, Equifax, and XXXX on multiple occasions regarding identity theft fraud, which included numerous inquires that do not belong to me. Just recently I was notified that I have over 6 inquires on XXXX, 9 on Equifax and 8 on XXXX. Despite the fraud alerts, FTC complaints and proof of fraud, I am still getting inquires and numerous other inaccurate reporting which includes addresses, misspelled names and wrongful employers. I literally have worked for XXXX XXXX XXXX XXXX for 9 years, but they have me listed as retired. I need all of this fixed quickly.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX, The Real XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by some big scamming people on the dark web. I included my FTC report # XXXX. this agency has violated numerous FCRA laws, which is not fair because the FCRA says credit reporting agencies play a VITAL part in peoples lives. The are reporting a bankruptcy on my credit report which is clearly an infringement of my privacy. I DO NOT WANT that information shared and you still shared it anyway. Under 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this bankruptcy shouldn't be on my credit report, but yet you showed it to the public. My bankruptcy is not public record. in am totally annoyed with this dispute process. I want all these unauthorized unverifiable accounts removed from my credit report asap. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission and anybody else who I need to get involved.
Complaint sub-issue: Was not notified of investigation status or results

I sent all three credit bureaus a certified letter, requesting an investigation/ deletion of this hard inquiry from, Factual Data XX/XX/18. It has now been well I've r 90 days and still no response. This has cause great hardship and stress as well as it has caused my credit score to go down drastically causing me to be denied credit and home loans. The credit bureaus have not complied with the FCRA laws that were put in place to protect all consumers. The bureaus have a responsibility to report accurate information and respond to disputes within a timely manner.
Complaint sub-issue: Received bad information about your loan

My student loan payments should qualify for Public Service Loan Forgiveness as I work for a qualified employer and have made regular payments over the past ( approximate ) 7 years. My loan servicer has not qualified all of these payments and I would like to know why. I requested a payment tracking letter from XXXX  XXXX   regarding payments that qualify under the Public Service Loan Forgiveness. I requested this breakdown of qualifying payments approximately XX/XX/XXXX. I was told that it would take up to 2 months to complete. I checked back in XX/XX/XXXX - it was still reported not complete. I continued checking in every few months and was told that it was finally complete in XX/XX/XXXX and would be sent immediately. I never received the payment tracking letter and have continued calling to check up on/request it and have still not received the promised payment tracking letter.
Complaint sub-issue: Public record

Equifax is reporting a state tax lien that the state of louisiana says does not belong to me and the state has repeatedly asked equifax to remove as i have been a victim of identity theft, this has been going back and forth since 2009 and the state of louisiana told me to contact the consumer protection agency to have them remove it because all attempts by myself and the state of la has failed please help i am exhausted and it causing me a great hardship and high stress levels to be dealing with this so long
Complaint sub-issue: Reporting company used your report improperly

Inquiry -XXXX XXXX XXXX Inquiry- XXXX XXXX Inquiry - XXXX XXXX XXXX Inquiry - consumer  cellular Account - XXXX  XXXX XXXX I tried contacting Equifax to have these fraudulent inquiries and account removed from my credit report because of my abusive dad trying to fraudulently use my social security number to obtain credit I have also provided uploaded document that XXXX was even able to find that out and they removed it from my credit report along with all inquiries I needed Equifax to do the same as well but their customer service would not help and take care of the negative inquiries and account reporting to my credit report as I tried to tell them I work for the government and to also add my employment which I work for the United States postal service Equifax has very very terrible coustomer service
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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: Information belongs to someone else

As an XXXX  CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

I demand the following accounts be verified or removed immediately.