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

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). I demand that you block these alleged accounts Pursuant to 15 USC 1681c-2. You Credit Reporting Agency did have permission from me the consumer to furnish any alleged debt to my consumer report and that is a direct violation of 15 USC 1681a ( d ) ( 1 ) which states a consumer report means any written, oral or other communications. 15 USC 1681a ( d ) ( 2 ) ( B ) also states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer report. All the account listed in the Identity Theft Report are all extension of credit that need to be removed. You Credit Reporting Agencies have a obligation to follow procedures pursuant to 15 USC 1681e ( b ) to assure maximum possible accuracy of the information that is being furnished on my consumer report. Pursuant to 15 USC 1681i ( a ) ( 5 ) when an account is inaccurate or unverifiable it should be deleted immediately. You will be held liable for willful non compliance and physical and emotional damages. Pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) no more than {$1000.00} fir each violation you have violated. Also 15 USC 1681o for negligent non compliance an I will be seeking remedy for the damages you have caused for failure to obey federal law.
Complaint sub-issue: Account status incorrect

These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the  Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2022 I received a letter in the mail from Unifin, Inc about an apparent past due account of mine they had acquired and provided payment options in the letter along with debt validation request instructions. I did not recognize this debt. On XX/XX/2022 I mailed a debt validation request letter to Unifin , Inc. It is now XX/XX/2022 and I have not received any sort of response from Unifin , Inc in regards to the validity of this debt. This leads me to believe that this debt can not be validated and is therefore an attempt to collect a non-verifiable debt and therefore an invalid debt. 

On XX/XX/2022 I received a letter from XXXX XXXX XXXX XXXX, after no initiation of contact on my behalf, about a referenced debt account being closed in their system, with no details on the validity of the debt. The account number referenced was the same account number listed on the Unifin , Inc initial letter.

I have still not heard anything from Unifin, Inc
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, the information on my identity theft report has not been blocked. I feel like I'm being taken advantaged of and being ignored of my disputes. In Section 605B, it is plainly stated that a Consumer Reporting Agency shall block the reporting of 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 days. My information was impacted by the Equifax data breach and has gotten into the hands of the wrong person. I have sent a notarized copy of the affidavit attached. The document was notarized to authenticate the documents and my identity, no further proof of identity should have been required. Any responses that I have received were general responses and did not respond specifically to my affidavit nor my disputes. They did not comply with my demand to block the information in the affidavit pursuant to the law. I have followed all of the necessary steps in order to legally and rightfully have these items removed, including but not limited to : Sending letters to the reporting agency, filing FTC reports with the Federal Trade Commission and sending notarized affidavit of truth clarifying the identity theft. The extended length of time to remedy this situation has drastically impacted my financial stability. I demand these accounts be deleted immediately or I will file for litigation and seek damages due to the stress you have caused me.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and would like these items removed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Cbna made two unsolicited hard inquiries on my credit on one day. It dropped my rate by 41 points. This is completely unwarranted.
Complaint sub-issue: Information is not mine

Contacted Collection Agency Was Told To File Complaint With Credit Reporting Agency. Filed Complaint.Was told It was Mine No documentation Contacted XXXX XXXX Wanted Me to furnish State ID and SS Card This is fraud Did Not feel comfortable Sending Personal Information to them.
Complaint sub-issue: Information belongs to someone else

On XXXX, I sent Equifax a letter notifying them about 2 unauthorized addresses, 1 unauthorized employer and 5 unauthorized inquiries which do not belong to me. I attached a recent report outlining the unauthorized items. On XXXX, my letter was delivered to Equifax according to the XXXX XXXX XXXX XXXX. On XXXX, Equifax sent me report # XXXX with dispute results which clearly shows Equifax is continuing to report 5 unauthorized inquiries which is against federal law. They have failed to delete the 5 unauthorized inquiries. I have attached a copy of the letter Equifax received dated XXXX, a copy of the XXXX certified mail receipt dated XXXX, a photo of USPS tracking delivered dated XXXX and the updated Equifax credit report # XXXX dated XXXX.
Complaint sub-issue: Information belongs to someone else

My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX I FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX  I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX  XXXX  XXXX  opened XX/XX/XXXX XXXX FOR {$14000.00}, XXXX/XXXX  XXXX  opened XX/XX/XXXX XXXX FOR {$0.00} XXXX XXXX opened XX/XX/XXXX XXXX FOR {$5100.00} XXXX XXXX opened XX/XX/XXXX XXXX {$4900.00}, XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX FOR {$14000.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX FOR {$5100.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA , under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX, I called fedloan servicing and spoke to the customer service rep ID # : XXXX to review the number of my qualified payments when I realized the number reported was incorrect. The customer service rep told me it would be fixed right away and to give them sometime. 

I waited for 8 months and called again on XX/XX/XXXX with the same concern, I was told it would be expedited and the error will be fixed. 

I called again on XX/XX/XXXX with the same complaint and the customer rep told me it'll take sometime and can't give me a time line even though it's already been a year since my first phone call. This is unacceptable. She told me even if I called back in a month or 6 months, there was no guarantee the error would have been fixed.
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. XXXX 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 OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

If you feel there is a possibility these accounts belong to me I will 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.
Complaint sub-issue: Debt was result of identity theft

I opened a Best Buy account in XXXX of 2019 and purchased a video game and used the account for some online purchases and an XXXX XXXX. I reported the the card lost and reported fraudulent charges. Best Buy refuses to contact me to discuss my fraud. I have opened 5 separate disputes and all are returned that the charges are legitimate. I have requested to speak with the investigator for my case multiple times and they say that he will be contacting me for additional information and no one ever calls. I have been charged an excessive amount of late fees and interest as well as the account has been added to my credit report as a write off. This is destroying my credit rating and I am not able to be approved for even a auto loan. There are out of state charges as well that do not belong to me. I dont know how many times I can call and request to speak with my assigned investigator and be ignored. This matter has been going on for 2 years and I have spent an irreplaceable amount of time upwards of at least 2 hours a day on average at least every other month. I also received letters periodically from Best Buy that there is suspicious activity on my account. 
My purse was stolen which had my wallet, cc, drivers license, social security card many other personal items. I was able to contact my other cc companies and they rectified my fraud almost immediately. I do not know why Best Buy refuses to help.
Complaint sub-issue: Other problem getting your report or credit score

I am currently applying for a mortgage, and the lending companies are unable to get by 3rd credit score from Equifax. They have no problems getting my credit report from the other agencies. I have contacted Equifax about this problem at least 10 times over the past month and a half. When I call, I am told that they can't find my file with the information I give them. They requested that I fax documents for proof of identity and residence. I did this, and received a letter in the mail from them saying they can't locate a credit file for me. I called back several times, and the agents say that my previous calls have not been documented, and the fax I sent in was not attached to my file so they can't see it. They then tell me that they are unable to help me with my problem, and when I ask to speak to a supervisor they tell me that there may not be one available. They then place me on hold, and either hang up on me, direct me back to the main line, or tell me that there are no supervisors available and to call back another day. ( This has happened multiple times with different agents ) Today I spoke with an agent, XXXX : ID # XXXX, and the only solution she offered me was to resend the documents even though the agency already received them. She could not guarantee that this would solve the problem.
Complaint sub-issue: Account information incorrect

account was open XXXX XXXX for amount of XXXX now reporting incorrect for XXXX on my credit report also late payments have reach out to us bank to correct this matter but no response. incorrect information is hurting my consumer report and is a violation. 
The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Complaint sub-issue: Reporting company used your report improperly

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#XXXX
Complaint sub-issue: Overdrafts and overdraft fees

Closed an checking account with Customer Service via telephone. This did not happen. Which resulted in overdraft fees and bank not letting me to reopen a new account with them or any other banking institution. And lower credit score.
Complaint sub-issue: Account status incorrect

XXXX, Equifax, & XXXX failed to delete a fictitious debt. XXXX has failed to provide me with an original documentation of this debt existing. My car has never been repossessed. I got it refinanced and XXXX XXXX XXXX XXXX updated my credit profile with repossessed. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) the credit bureaus must verify any debt and provide me a copy of the documentation with my original signature. Please be advised under section 611 ( 5 ) ( A ) of the FCRA THE CREDIT BUREAUS ARE REQUIRED TO DELETE ALL INFORMATION THAT CAN NOT BE VERFIED. This is fraud, defamation of character, and deceptive act or practice.
Complaint sub-issue: Billing dispute for services

I   XXXX   " Landlord-Tenant Credit Check '' and was brought to the Equifax website. I completed the application and paid the {$19.00} only to discover I was getting access only to my personal credit report. I immediately called Equifax to state that I did n't pay the money for my own credit report, but for a third party. The rep named  XXXX  said no problem that he could convert me to a {$9.00} program to do the tenant credit check. Unfortunately, the name of that service was n't listed on either the  Personal or Business  menus, so I decided I 'd had enough with Equifax and asked  XXXX  to cancel the account and issue a refund. He replied he would take care of issuing a refund and sending a confirmation e-mail.   XXXX   Three  minutes later I received an e-mail saying the account was cancelled but that no refunds are issued on monthly accounts. I then followed up with a phone call to an Equifax supervisor,  XXXX   (  employee account number  XXXX  ) who told me that refunds are not given but that the matter would be referred to the billing department for disposition  in 5-7 work ing days. Advised her that I intended to fil a complaint with your agency. Equifax case number  XXXX  applies.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On  XXXX   XXXX   2017   XXXX  checked my credit without my permission. I do not have service with them and have not for the la st 5 or s o years. I received an alert from my credit monitoring service and immediately called  XXXX . The first representative said it would be removed within 2-5 days. I called back since it was n't removed and was hung up on. I called again and requested a supervisor. When he came to the line I explained the situation again. After several moments of silence he blind transferred me to equifax knowing they were closed on Saturdays
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent my first letter that talked about incorrect/fraudulent items that showed on my credit reports to ( XXXX, XXXX, and Equifax ). 

Next on subsequent dates I sent letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent other letters asking them to look into this issue, but I have not received a response yet. 

This is a blatant violation of the FCRA, and I will be filing a law suit at my small claims court against Equifax, XXXX and XXXX for not helping me resolve this issue. I have sent letters via certified mail and I have copies of all documents that were sent off You can settle this outside of court by paying my settlement of {$5000.00}, or face other charges.
Complaint sub-issue: Public record

The XXXX credit recording company are still reporting XXXX judgments ( XXXX XXXX XXXX XXXX and also XXXX of XXXX XXXX ) that have been satisfied ( Paid in Full ) over a year ago. I have reported to the credit company s and the court over a year ago.I hope you can help remove this out of date and fasle information. Thank You
Complaint sub-issue: Their investigation did not fix an error on your report

Although Equifax, XXXX and XXXX did remove " some '' of the unauthorized accounts and inquires, a few more remain.
Complaint sub-issue: Information belongs to someone else

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX  appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX balance is showing as {$450.00}, dates open in XXXX closed XX/XX/XXXX.