Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I sent a request for debt validation to the debt collector ( XXXX XXXX XXXX ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the 30-day validation deadline and as such, I need the credit Bureau to remove the collection from my credit report. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent my first letter to the credit bureaus. I have sent several letter since then. I have not received a response on behalf of my complaint. XXXX XXXX is inaccurately reporting on my credit file. The past due amount is incorrect, the date of last active is incorrect and the date of last payment is incorrect. This is a violation. I have been very patient and now ready to move forward with this complaint.
Complaint sub-issue: Debt was result of identity theft

I keep getting emails and phone calls from this company for some sort of scammy loan that I supposedly applied for. I have no idea how they got my email or phone number, but this is fraud. I have never applied for, been approved, or received funding from this company.
Complaint sub-issue: Account status incorrect

I have spoken with representatives from the company to resolve this issue and no action was taken further. The inaccurate items are affecting my credit score and hindering me from approvals.
Complaint sub-issue: Credit denial

Carvana has denied extension of my credit which is a violation of XXXX of Consumer Law. They are refusing my credit transaction as a Finance Charge state that it's the sum of all Charges. XXXX, which is the supervisor, stated I was approved for the vehicle & now partially approved if I pay them {$17000.00} which is a seperate transaction for the same transaction. 15 USC 1605
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I've tried to submit information to the credit bureaus but I'm not getting a response at all.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent dated XX/XX/2021. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and the inaccuracies about my accounts are continuously reported on my Equifax Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$67.00}
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I am a natural person, I am a living human being, and I have writes under 15 USC 1692 F SECTION 6, 15 USC 6802, 15 USC 1692, and 15 USC 1692 K. Under these laws luckmore finance continued to violate.
Complaint sub-issue: Problem with fraud alerts

My social security card was recently stolen. How do I notify the agencies?
Complaint sub-issue: Reporting company used your report improperly

I demand these account be removed immediately! These accounts have violated my rights to privacy pursuant to XXXX XXXX XXXX. XXXX XXXX And XXXX XXXX XXXX have violated my right and I sent them multiple cease and desist letters without prevail. Make sure they receive them and delete these accounts of my consumer report! 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 


Attached is the cease and desist letters for both companies!
Complaint sub-issue: Information belongs to someone else

I have two accounts reporting to my credit. XXXX XXXX is reporting to my Equifax and XXXX/XXXX is reporting to my XXXX. I have attempted numerous times to find out who they are and why they are reporting to my credit. I do not recognize them nor their original creditor. Neither initially had any of my information. Neither was able to pull me up by my address or my social. All they have done is sent me generic letters which are basically invoices claiming I owe them. I have requested numerous times going on six plus months now for an investigation from them and the bureaus and are met with a generic response and invoice saying I owe. I have requested proof and have been sent none even though they claim they have proof and were able to prove it. I have requested proof of the investigation and have received none. I have filed a complaint with the FTC for identity theft as their behavior and refusal to provide me with proof and/or evidence that these are my accounts leads me to believe my information is not secure and may have been compromised.I have filed a identity theft police report also. I have also filed numerous complaints with this forum and all the companies have to do is respond with their basic responses and the complaint is closed. This is still a open issue. I currently have an open investigation with XXXX that is scheduled to be completed XX/XX/2017 but fear they will do nothing more than respond with a generic response saying it is mine and not provide me with the proof or deletion
Complaint sub-issue: Account information incorrect

Dear Sir/Madam XXXX XXXX, account # XXXX I filed a dispute with all three-credit bureaus, XXXX XXXX Equifax and XXXX on XX/XX/2020, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter with a return receipt asking the original creditor XXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? Thanks for your time and consideration in this matter.
Complaint sub-issue: Investigation took more than 30 days

Need More Time I have given the following customer more than enough time, While investigating please remove these illegal transactions off my report. According to Equafax and XXXX have responded through the CFPB that they are investigating, while they are investigating the following account, those accounts need to come off until a proper investigation has happen, There has not been any proven evidence that these accounts provided clear and conspicuous contracts. I choose to opt out, I choose that you block this information from my report. I am requesting that the reporting of this information be blocked and deleted my request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transaction You are required to do what I'm asking and block these transactions from being report to my consumer report with 4 days from the date of the recepit of this notice. 


the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Open XXXX XXXX XXXX XXXX XXXX Opt Out Permissable purpose Remove from credit report So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. 
Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/2017 The above inquiry is fraudulent please investigate and remove.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I 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. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Complaint sub-issue: Reporting company used your report improperly

In XX/XX/2021 I requested my information to be deleted and opted out in accordance to CCPA California consumer privacy act. Additionally, I also requested a data freeze. The Work Number : XXXX XXXX XXXX. However, this company has continued to share my information to agencies who are requesting my information from them without my permission, even though I requested a freeze and to opt out and to be deleted in XX/XX/2021. I have never permitted anyone access to the work number.
Complaint sub-issue: Reporting company used your report improperly

According to https : //www.equifaxsecurity2017.comXXXX my personal information was mishandled in a recent data breach. I am worried about identity theft but unsure what I can do to protect myself.
Complaint sub-issue: Investigation took more than 30 days

Sent my first dispute letter, dated XX/XX/2019 to Equifax and they received the letter via certified delivery on XX/XX/2019 @ XXXX XXXX. I NEVER received a written response from Equifax regarding this matter. This credit bureau was clearly in violation and not in compliance of the 30 day rule in responding back to me. I reached out again in sending a second dispute letter, demanding they remove the inaccurate, incomplete and erroneous accounts as outlined in my first letter because of their non response and again, being in violation of the 30 day compliance rule. This second letter was dated XX/XX/2019 and Equifax received it via certified delivery on XX/XX/XXXX at XXXX XXXX. Again, I received NO written response from Equifax, who was clearly in non compliance of the 30 day response rule and Now ... in violation and not in compliance of the 15 day response rule. Also, all mail coming to my residence is tracked on the USPS Daily Delivery Digest. To date, there has not been any mail/correspondence sent to my attention from Equifax. I am attaching all relevant support I sent to Equifax and am now including for this complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is in violation of my 30 day right to dispute. I contacted them IMMIEDATELY as soon as I seen these collections on my credit report. As I expressed to this agency. Not once did I receive a letter in the mail, a notice or a phone call from them regarding this debt on my credit file, from them or the original creditor. I had no idea this debt existed until this was added as a collection to my credit file. How is one to know there's a debt when no contact is being made. As soon as I seen this debt I called XXXX XXXX to get more information. I paid it. This debt should be removed as it violated my 30 day right to dispute per the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

Submitted a fraud complaint on XX/XX/2022. The Credit reporting agency had 4 days to delete all fraud accounts on my credit report. Nothing has changed
Complaint sub-issue: Attempted to collect wrong amount

Allied interstate said I owed XXXX dollars from XXXX account. I advised them that it was a I d theft investigation. They advised we will not help you and put it On the credit bureaus I found the equipment sent in my garage and sent it to an fish office and received credit. I contacted XXXX and they said if I pay it they will remove it from my credit. I then paid the XXXX dollars even thought I had a I d theft complaint started. The balance became XXXX. Allied said we are not here to listen. Then sent a letter that I agreed to pay the bill with them and made a schedule to pay the difference. I have the letter which is false and intentionally done by them.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit card error the card is reported as a closed account i have been disputing the status since  XXXX  and contacted the card co. As well as all  XXXX  credit bureaus and still can not get Equifax to correct the status of the account the account is  XXXX   XXXX    XXXX   an Open account and paid on time and its being reported as closed with no payment since  XXXX  please help
Complaint sub-issue: Didn't receive notice of right to dispute

I NEVER HEARD OF/FROM THE CURRENT COLLECTIONS AGENCY ( U.S. ASSET MANAGEMENT INC. ) FOR XXXX UNTIL AFTER XX/XX/2022, WHEN I HAD SENT A DISPUTE TO CREDIT BUREAUS CONCERNING MY LESS-THAN-GOLD-PLATED CREDIT SCORE. THE COLLECTIONS AGENCY SEEMED UNMINDFUL OF THE POINT THAT I MADE ABOUT THE REPEATED LY FAILED ATTEMPTS BY XXXX TO CORRECT MY PHONE SERVICE PROBLEMS AND THE CONCERN FOR " JUSTICE AND FAIRNESS IN BILLING '' TO FAITHFUL CUSTOMERS WHO HAVE RECEIVED CONTINUALLY FLAWED SERVICE OVER AN EXTENDED PERIOD OF TIME.
Complaint sub-issue: Their investigation did not fix an error on your report

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 the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 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. I need the account corrected as soon possible : XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My XXXX account indicates a hard enquiry that I did not authorize. 
Details are : Name : XXXX XXXX XXXX XXXX Date of enquiry : XXXX XXXX, 2017 Agency reporting : Equifax
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Here are List of inquiries desired to be deleted, Their customer service would not help and take care of the negative inquiries reporting to my credit report for XXXX XXXX They gave me an attitude about speak with there manager. 

XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX-XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  XXXX XXXX  XX/XX/XXXX XXXX/ XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX # XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I have a credit card with first progress my credit limit only XXXX. They had me paying back XXXX not reporting the correct information after receiving my payment.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I CONTRACTED with Home Depot through my Credit Card last XXXX digits of credit card XXXX XXXX see attached ) To REPLACE MY AC UNIT, INCLUDING ALL MATTERS OF INSTALLATION. 
Home Depot subcontracted XXXX from XXXX, Ohio to do the job. 
THEY DID NOT COMPLETE THE JOB. 
I waited 30 DAYS for Home Depot to get XXXX TO FINISH THE JOB T H E Y D I D N O T So, I hired XXXX XXXX TO COMPLETE THE JOB THEN ASKED HOME DEPOT TO CREDIT MY CREDIT CARD THE EXTRA {$560.00} It COST ME TO FINISH THE JOB I CONTRACTED HOME DEPOT TO DO COMPLETELY WHICH HOME DEPOT DID NOT COMPLETE AS CONTRACTED.
Complaint sub-issue: Problem using a debit or ATM card

I was informed today, XXXX, the following dispute was closed : Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$160.00} .... A letter detailing dispute was not received by Citibank , according to rep spoken with in disputes dept.. As explained to rep, letters were in fact faxed to XXXX as well as mailed to XXXX XXXX  XXXX XXXX XXXX , SD XXXX. As I further explained to rep, the transaction appears to be a scam, the merchant claims the charge was declined at time of purchase, took the funds regardless, has not sent me item ordered ... The item is a XXXX XXXX XXXX, advertised on their website, it appears this is a XXXX scammer of some sort.. I've submitted a contact form inquiring about the charge, no reply received..There is no direct email or number to reach.. The rep whom took my claim at the time also agreed with me the merchant appears to be a scammer.. I've detailed entire information above in letters sent via fax as well as postal mail, I do not know why they were not received ... It appears there is a delay, possibly due to Covid-19.. The dispute ID for this transaction is XXXX. I request Citibank search their incoming faxes as well as postal mail for my letters or simply use the information contained here to move forward with dispute, issue a temporary credit, if possible.. I also request assistance with dispute ID XXXX, {$800.00} XXXX XXXX XXXX, do not have exact transaction date available to me, this item is in dispute for non-receipt of product which is also a XXXX XXXX XXXX.. It appears my dispute letter was received, according to Citibank rep, dispute still in process.. A rep I spoke with prior, on or around XX/XX/XXXX, stated a temporary credit would be issued on or around XXXX, it is now XXXX and no credit ... As detailed in letter, this item was deemed lost/stolen by XXXX, the shipping carrier, claim was supposed to be filed by shipper.. Unfortunately, the shipper is also out of country, located in XXXX, has not replied to my last email inquiring about XXXX claim and refund. A call to XXXX would be expensive and do not know if resolution would be made if called.. XXXX driver left package insecure location, without signature, there is no signature release, XXXX rep by the name of XXXX closed tracer out and advised me to have merchant file claim for loss, I emailed merchant several weeks ago, have not heard back in re.. This information is also in letter, received by Citibank. I believe there is some sort of delay due to Covid-19 on end of Citibank disputes team and or due to the fact these transactions are both foreign, difficulty in reaching the merchants in question..
Complaint sub-issue: Reinserted previously deleted info

EQUIFAX since they seem to be in coots with this new fake company called XXXX XXXX XXXX. See complaint I filed with the Attorney General 's Office, XXXX XXXX. XXXX had a collections for XXXX on my EQUIFAX credit report. After disputing and proving that it is NOT a valid collections belonging to me it was removed. EQUIFAUX allowed it to be added back to a FAKE NON LICENSED collections company called XXXX XXXX XXXX.. I have reported both to the BBB and Equifax without relief.
Complaint sub-issue: Company closed your account

We are a company who does legit business. We have a brand and we sell physical products in XXXX and other online marketplaces, including our own store. We have been using Wise since a few years ago for sending money to suppliers and receiving money from XXXX marketplace sales. 

We haven't been engaged in any 'ilegal activities '. For that reason, I am surprised about the account deactivation with no reason. I have read all Wise terms of service, and the only thing that could be a reason to close our account is that we had another account for our previous company. However, that company is no longer active and I remember I asked Wise permission to open this second account for our new company. 

I would really appreciate if you could let me know the reason for account deactivation, or if it is an error. I am ready to send you whatever document you need to re-open the account. We are really proud of using Wise and it is very important for our business needs and operations. 

Sincerely,
Complaint sub-issue: Report improperly shared by CRC

Equifax Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.
Complaint sub-issue: Account status incorrect

I would like to male a formal complaint on Receivables Management Systems. Receivable Managment Systems was the holder od a debt that i had with XXXX XXXX ( account number XXXX ). I spoke with them in XX/XX/2020, they explained that once the debt was paid in full, they would delete from my credit report. I paid this debt in XX/XX/2020. It remains on my credit report. I sent them a formal letter, requesting deletion on XX/XX/2020. I followed up with a phone call and was told that they will not be deleting this item, due to it not being paid off within 6 months of them receiving the debt. This is not the information that was initially told to me. I was told it would be deleted once paid in full.