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

I was alerted last year via email from Equifax that my personal information had been compromised in the breach and to fill out the form via email for the Equifax trustedid to keep an eye out on my credit report and any changes to my personal info. A few months later a XXXX XXXX XXXX XXXX  was reported on my report for {$1900.00}. It said it was collecting for XXXX. I called XXXX to verify this information and was told that my name was not in their system. I then called XXXX XXXX XXXX and informed them that I spoke with XXXX and told them what XXXX had informed me. I asked XXXX XXXX XXXX to send me supporting documents regarding this account and was told by XXXX that i would have to send them a self addressed stamped envelope with a piece of paper that had my name, address and social security number on it and they would send me the documents. This didnt seem legit so I then disputed this collection online with all three credit bureaus. After 30 days of the dispute XXXX deleted the collection from my account yet Equifax and XXXX told me the account was verified. I asked XXXX/XXXX  for these supporting documents. After never receiving the documents that supported XXXX XXXX XXXX verification, I sent in letters to XXXX and XXXX. I waited the 30 days for a response and i never received one from neither XXXX, XXXX  or XXXX. So i sent in another round of letters after 45 days and again I never received anything from XXXX, XXXX  or XXXX. Then again I sent in another round of letters after 60 days and again never received anything from XXXX, XXXX or XXXX. I once again sent in letters after 90 days and still havent received not a single notification from XXXX, XXXX or XXXX regarding this collection account. It had been over 100 days so i contact Equifax on XX/XX/2018 and after being on the phone for over 45 minutes with multiple reps i was told by a rep named XXXX id XXXX the reason I didnt receive any responses from them is because they didnt have my correct email address so they couldnt send me anything and that my id, social security card and birth certificate was dark and they couldnt understand it. I dont know how a company like Equifax that has your email address that sends you emails regarding the breach and updated information pertaining to your credit report dont have your correct email address. I just received something from XXXX via email. Please help me with this matter.
Complaint sub-issue: Threatened or suggested your credit would be damaged

15 USC 1681b - Permissible purposes of consumer reports, XXXX XXXX XXXX XXXX never gave Equifax written consent to report anything on my consumer report, No Consent is IDENTITY THEFT. Please remove this account
Complaint sub-issue: Old information reappears or never goes away

ALL THREE CREDIT BUREAU 'S ARE ALLOWING XXXX AND XXXX  TO CONTINUE TO RE-AGE MY ACCOUNTS. BOTH ACCOUNTS SHOULD BE REMOVED. THE LAW STATES THAT IT SHOULD BE REMOVED 7 YEARS FROM THE FIRST DELINQUENT PAYMENT. I HAVE REACHED OUT TO EACH AGENCY AND BOTH COMPANIES AS WELL. NEITHER HAVE FOLLOWED THE LAW BY COMING UP WITH THE INFORMATION. THEY JUST TELL ME THAT THEY PERSONALLY HAVE VERIFIED THIS INFORMATION. NEITHER HAVE SHOWN ME WHAT THEY SAW. THEY WILL ALSO NOT TELL ME HOW THEY VERIFIED THIS INFORMATION. I HAVE LOST OUT ON JOBS, HOUSING, AND MANY OTHER THINGS DUE TO THE INCORRECT AND ILLEGAL REPORTING OF THESE ACCOUNTS. BOTH ARE WELL OVER TIME TO BE DELETED. XXXX EVEN HAD ONE OF THEIR COLLECTION COMPANIES SEND ME A LETTER IN WRITING TELLING ME THAT THEY DID NOT HAVE THIS INFORMATION. I COULD NOT BELIEVE IT. THIS INFORMATION WAS JUST UPDATED AGAIN THIS MONTH EXTENDING THE TIME ON MY REPORT AND DAMAGE TO MY PERSONAL QUALITY OF LIFE AND OPTIONS.
Complaint sub-issue: Public record

There is a federal tax lien on my credit report that needs to be removed. The lien has been paid and released as you will see in the documentation provided. I have contacted the credit bureau to have this removed and they will not. I have asked for the reporting person or entity that put this on my record and they will not provide me with anything other that XXXX. I have contacted this office to see if they would remove it from my credit report and they informed me that they did not report it to any of the credit bureaus nor do they ever. They only file it as a public record. When I informed the credit bureau of this they insist that they communicate electronically with the reporting entity and they are waiting for a response. I then asked " well if you communicate electronically with the reporting entity, who is the person on the other end that will answer you? '' They said that it was an employee with the XXXX court system and that they would respond. I asked once again who that was and they refused to provide me with a name. I then did some more investigating and actually talked with the XXXX XXXX XXXX ( XXXX XXXX phone number XXXX ) and he did some research for me. He states that the Court case number and the docket number provided to me by the credit bureau belongs to XXXX XXXX and that the Federal tax lien does not show up in their records for me. He further stated that neither him nor any department in the XXXX XXXX Court system reports anything to any of the credit bureaus. I also spoke with the IRS who had the court place the lien on me and they told me that they were not the ones who reported to the credit bureau. Like the court system they say that they never report tax liens to the credit bureaus. I can not get any information from the credit bureaus so that I can contact someone to try and get this removed. With everything else that is on my credit report I have contact information of someone that I can contact to try and resolve the situation and resolve the matter. I do not have that same opportunity with my tax lien as the information being given to me by the credit bureau is false.
Complaint sub-issue: Information belongs to someone else

Remove hard inquiries on my credit report from XXXX as letters issued by XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX and XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Fedloan and XXXX reporting delinquent and it is not delinquent been placed on hold per President 's request.
Complaint sub-issue: Billing problem

I pay a monthly payment of {$400.00} to Ally Financial. In XXXX, I adjusted my recurring payment information to my new Bank. Ally proceeded to take {$29.00} from my old bank, and the full payment of {$400.00} from my new bank, both transactions occurring on XX/XX/2020. 

Ally Financial contacted me about my overdue payment, stating I owed them {$420.00} for the month of XXXX, despite them owing me {$29.00}. 

I contacted Ally Financial and they stated that they have no way from their record keeping databases to determine how much funds they have acquired from me for XXXX. They asked that I fax my bank statements to them as proof of their error and stated fax was the only method by which I could send this proof. They were unable to tell me why my recurring payment for XXXX was initiated on XX/XX/XXXX and later cancelled. 

I am alarmed that Ally financial both pursued collection of {$420.00} when they in fact owed me funds, and could not provide further information, but rather stated that they had no idea from their systems how much money they took from me. It's clear that they have no regard for consumers ' financial well-being.
Complaint sub-issue: Information belongs to someone else

XXXX ; Past Due {$160.00} Ive contacted the company about reporting these late payments. This is fraudulent and ILLEGAL. 

XXXX ; Past Due Collections account, I have reported this inaccuarte account. This is ILLEGAL to report per US Codes listed below XXXX ; Past Due {$730.00} Collections account. I hace reported this FRAUDULENT account. This is ILLEGAL to report per US Codes listed below, XXXX ; Past Due {$2900.00} Collections account. I have reported this account and it is FRAUDLENT and being reported ILLEGALLY per US CODES listed below XXXX XXXX ; Past Due {$250.00} Collections account. I have contacted them and this account is fraudulent and being reported illegally per US Code listed below XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Past Due {$1400.00} Collections account. This is a fraudulent account XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Fraudulent
Complaint sub-issue: Transaction was not authorized

My complaint is with Citibank N.A. On XX/XX/XXXX my brother XXXX XXXX XXXX while being involuntarily hospitalized in a locked XXXX facility for XXXX, XXXX and XXXX ( XXXX XXXX XXXX ) at the Department of Veterans Afffairs XXXX XXXX, XXXX XXXX, CA contacted Citibank stating that I had illegally removed funds ( {$4300.00} ) from his checking account, Attachment 1 and 2. 

On XX/XX/XXXX the Department of Veterans Affairs determined that my brother XXXX XXXX XXXX was iXXXX for purposes of managing VA payments.Attachment 3 and 3A. On XX/XX/XXXX I was a appointed by the VA XXXX XXXX XXXX XXXX XXXX to be my brother 's fiduciary in order to manage his VA benefits, Attachment 4. On XX/XX/XXXX I was appointede by the Social Security Administration to be his representative payee, Attachment 5. The {$4300.00} consisted of {$3700.00} VA funds and {$560.00} in Social Security Funds. 

My brother has been diagnosed by two ( 2 ) Department of Veterans Affairs XXXX XXXX XXXX, XXXX  and XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX as having major XXXX disorder ( XXXX ) with behavior XXXX and XXXX ( XXXX XXXX XXXX   ). Attachments 6 and 7. 

On XX/XX/XXXX I contacted a Citibank supervisor, first name XXXX, XXXX and asked him to look into my claim that my brother wrongfully froze my XXXX XXXX XXXX checking account by claiming the {$4300.00} in checks ( there were 3 ) that I wrote on his checking account were unauthorized. On XX/XX/XXXX I emailed to XXXX scanned documents from the Department of Veterans Affairs describing my brother as being XXXX for purposes of managing VA payments, from the Social Security Administration appointed me to be his representative payee, 3 letters from VA staff XXXX stating that XXXX XXXX XXXX is unable to manage his financial affairs and a letter from the VA appointed me his fiduciary. On XX/XX/XXXX XXXX, the Citibank supervisor, XXXX, asked me to email him at XXXX my brother 's {$4300.00} in expenses and a copy of the court order which was in place from XX/XX/XXXX to XX/XX/XXXX ; which I did except for the court order ; but in a follow-up email I told him Citibank 's legal department should have known that in order for Citibank to see his court order my brother would have had to sign a release which he did not do! 

On XX/XX/XXXX I had a conversation with Citibank 's supervisor, XXXX said that I can not access my brother 's checking account. I told him I had no interest in accessing my brother 's checking since all his funds which are VA and Social Security funds and are now being deposited in a separate fidicuary account in which I control. He then proceeded to say that my brother, who is homelless, will have to contact Citibank in order to remove the freeze on my personal checking account. Citibank 's supervisor lead me to believe that if I email him my brother 's expense documents and a copy of my brother 's California court order Citibank would unfreeze my XXXX XXXX XXXX  checking account. I have suffered emotional and financial damage from Citibank by falsely stating if I followed its requests for certain documents my checking account would be unfrozen.
Complaint sub-issue: Their investigation did not fix an error on your report

The bureaus are reporting erroneous items on my credit. I had previously filed a dispute and have been for months now and have yet to see any letters or changes to my credit. I have attached the letters that I most recently sent. Please send me results immediatley.
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed it 's database to be breached and my personal information which may have included my name, Social Security number, birth date, addresses and drivers license numbers and/or Credit card numbers. The unauthorized access occurred from mid-XX/XX/XXXX through XXXX 2017. As of now no accounts have been fraudulently opened in my name as far as I can tell.
Complaint sub-issue: Public record information inaccurate

XXXX is XXXX is still reporting bankruptcies that came back from the courts unverified and after the proof were sent to them they are still reporting them and stating that it is accurate when in fact it is not. I tried to resolve this with them and they have not provided any validation or proof.
Complaint sub-issue: Information is not mine

Equifax continue to willfully violate my rights pursuant but not limited to the " FCRA '' with negligent noncompliance. Equifax continues to report inaccurate information that was blocked due to identity theft pursuant to the FCRA 605 B ( 15 U.S.C. 1681C-2 ). An Equifax consumer credit report was acquired on XXXX/XXXX/2015 from Equifax Mortgage Solutions which still contains fraudulent accounts in which were deleted from my Equifax Consumer Credit Report which I have also uploaded. Equifax continues to ruin my life by inaccurately reporting fraudulent accounts in addition to violating 15 U.S. Code 1681i ( C ) and ( D ). I have been denied life & liberty due to this companies negligence and have done all that I can do to obtain remedy through the agencies that govern them.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 158 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Complaint sub-issue: Don't agree with fees charged

This is from XXXX and closed in XXXX now today it is on my credit report with extra money and decreased my score XXXX points I will like it removed it is past the statue of limitations it been over XXXX years.
Complaint sub-issue: You never received your bill or did not know a payment was due

I opened a CitiBank card at The Home Depot to buy a lawnmower. After about a month I realized that I had not yet received a statement in the mail, so I went online to get my payment information. To my dismay I found that the payment was due just three days before I went online and a {$27.00} " late payment fee '' had been added to my balance.. 
Two days later ( 5 days after my " payment due '' date ) I received a call from XXXX noting my " past due '' amount and requesting immediate payment. I explained that I had just found out that my payment was a few days past due, and that -- since I had already incurred the {$27.00} late fee for the month -- I would pay the total amount in the next 27 days and bring my account balance down to zero. 
Since that date ( XX/XX/18 ) the company has been calling me EVERY DAY, mostly no one on the other end of the line ( hang-up calls )! They are now calling three and four times each day, sometimes more, with no one on the other end of the line. 
The calls start promptly at XXXX XXXX. Problem is that we are on swing shift and do not get up until XXXX XXXX. or later. I think this is harassment. 
P.S. The late payment fee was supposed to be {$25.00}, not {$27.00}.
Complaint sub-issue: Account status incorrect

I have checked my credit report that the account from XXXX XXXX ( XXXX ) contains erroneous information. The account states that I made late payments on this account. this is incorrect! The lease that is the subject of this account is an automobile lease that ended on XX/XX/XXXX. All payments pursuant to the terms of the leaser agreement were timely made. 

There is an amount that XXXX XXXX is alleging that I owe that I'm not agreeing with. There was no agreement between XXXX XXXX and me to pay the amount alleged to be owed by XXXX XXXX on my credit reports. Pursuant to XXXX XXXX ' publicly posted information, the company is to send the " XXXX XXXX XXXX '' " up to XXXX days after your vehicle has been returned XXXX XXXX XXXX XXXX 

I turned in my leased vehicle to XXXX XXXX on XX/XX/XXXX. I received a call from XXXX XXXX approximately XX/XX/XXXX asking me to turn in the vehicle that I had turned in 4 month prior. It was not until XX/XX/XXXX that XXXX XXXX sent me a notice advising me of an amount owed for those months. XXXX XXXX clearly did not know where the vehicle was for XXXX months after I turned in the vehicle. 

I have repeatedly contacted XXXX XXXX but have been consistently told that they are unwilling to do anything. XXXX XXXX is listing the account as having late payments/Chargeoff thus negatively affecting my credit report. I have attached copy of the certified mail I have sent to all 3 credit bureaus.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, MACYS/DSNB add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Didn't receive notice of right to dispute

Collection Agency : Carter-Young, INCXXXX. 
The total amount of this collection is {$830.00} for an apartment by the name of XXXX XXXX XXXX, opened XX/XX/2016. As it stated it was a joint account. This account is closed and I dont know who the other individual is that is on the account. It should not be on my credit as a loan I owe. I contacted the company for them to explain to me why it was there and showing as joint and no one could explain. I need this removed.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : CB XXXX : $ XXXX Opened : XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Pursuant 15 U.S. Code 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Remove the following from any all credit reports : 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: Delay in processing application

On XX/XX/2020 I signed up for this card. I made the yearly fee on {$39.00}, I deposited {$300.00} in the account and also paid a rush fee of XXXX to receive the card sooner. The transaction has been stuck on processing since. There is a contact number, but no way to speak with an actual person. It has now been 15 days and I don't have a card nor my money.
Complaint sub-issue: Information belongs to someone else

I don't know what to do. I am a victim of identity thef and I need help because my credit has really been affecte. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affecte by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive called XXXX, XXXX and equifax to try and get some if not all of my hard inquiries removed because I did not recognize or authorize more than half of the inquiries listed on my report. It has been an issue for awhile now, and I have been trying to raise my credit score for months but it is dragging the score down drastically. In the past year there has been multiple hard pulls on my credit that I have not authorized.