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

on the date of XX/XX/22 i submitted a complaint WIth the CFPB regarding concerns & complaints of all Inaccurate information on my consumer report with the 3 # C.R.A. Equifax, XXXX, XXXX. XXXX was the only reporting Agency to address my disputes immediately by Deleting all inaccurate information and inquires. Equifax XXXX XXXX has violated my consumer rights & the consumer law placed in place by the FCRA. FCRA # 1 ) 15 USC 1681 Section 602 ( A ) My Rights To Privacy. 2 # ) 15 USC 1681 Section 604 states no furnishing of accounts without my writtem permission & now they have violated new FCRA laws .3 # ) 15 USC 1681 ( i ) ( 2 ) ( A ) states Equifax & XXXX had 5 business days Apon receiving notice of A dispute they shall provide notification of the dispute & shall include all relevant information regarding the dispute & the Agency has received from other Consumer Agency. These requirements were not meet by Equifax or XXXX. XXXX # ) 15 USC 1681 ( i ) ( 5 ) ( A ) ( XXXX ) states any information disputed by consumer, any Item of information is found to be Inaccurate, Incomplete, or can not be verified the C.R.A shall Promptly Delete the item from the file of the consumer.5 # ) 15 USC 1681i ( 7 ) there was no method of verification given. 6 # ) 15 USC 1681 ( 6 ) ( B ) ( iii ) A description of the procedure used to determine the accuracy & completeness of information. And also the furnisher who provided such information shall be provided to the consumer by the Consumer Reporting A gency. 7 # ) 15 USC 1681S ( 2 ) ( A ) ( B ) A person shall not report any information relating to a consumer to a C.R.A if the person knows or has reasonable cause to believe the information is inaccurate. ( B ) ( i ) the person or Agency has been notified by the consumer at the address specified by the person for such notices, the specific information is inaccurate and ( ii ) the information is in fact inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I feel XXXX is stand up for XXXX XXXX even though I got a business credit card for XXXX XXXX XXXX XXXX. This business credit info should be off my personal credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the collection account from '' XXXXXXXX XXXX XXXX '' in XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 for Consumers energy account is is not my account. I do not owe this company. Please Enforce this company to re-investigate properly.
Complaint sub-issue: Attempted to collect wrong amount

The company billed a late fee on my account after I paid the balance in full 1 day late. I disputed this via phone call. The following month they added another late fee because I didn't pay the first late fee. I called and spoke to a supervisor but they refused to reverse the charges. I closed the account but they continued to add late fees until the account was 90 days past due. I feel these charges are erroneous and reported out of spite rather than for valid services or merchandise.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX  Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Complaint sub-issue: Debt was result of identity theft

This will be the 2nd time I am submitting a complaint about the same account. The company requested that I send them a copy of my identity theft report. I did just that and they are still trying to collect the amount due of {$130.00}. I told them in order to validate this debt, send me PROOF it is mine. Instead, they send me a statement of the charges. The statement of charges, just like the amount of {$130.00} they claim I owe, does not prove it is mine. 

I told them repeatedly, this is result of identity theft and someone is pretending to be me to open this account. I have no contract agreement signed with my signature therefore I did not authorize.
Complaint sub-issue: Can't get other flexible options for repaying your loan

On XX/XX/XXXX, I received an email from Great Lakes indicating that it had received my IDR application documents. I was not contacted to fix anything on my IDR application. I thought that I was successfully enrolled in IDR. However, I am now receiving past due notices. I am eligible for a {$0.00} IDR payment, and yet I 'm receiving past due notices of almost {$400.00}. 

I would like retroactive forbearance immediately applied to my account to bring it current. I would like my loans enrolled in IDR immediately. If Great Lakes does not have the information necessary to enroll my loans in IDR, I would like an email specifically indicating what additional information is needed to successfully complete my application.
Complaint sub-issue: Information belongs to someone else

Hello, I have seen some credit inquiries reported by XXXX and XXXX XXXX  on my credit report. I have sent both companies letter to get the inquiries removed, never heard any response from neither.
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.
Complaint sub-issue: Investigation took more than 30 days

I submitted an investigation request to the credit bureaus back in early XXXX. I had no problem getting the results back from XXXX and XXXX XXXX in a timely manner, but Equifax is taking way too long. I still haven't receive my response from them.
Complaint sub-issue: Debt is not yours

Received notice to pay a debt that I was unaware existed. Disputing the validity of the debt. I do not have a contract with named company.
Complaint sub-issue: Information belongs to someone else

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX  XXXX Balance : {$38000.00} ; XXXX XXXX  XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

Hello, my issue involves a debt I am actively disputing with The Bureaus Collection agency. While i have asked for verification numerous times in my disputes, and while they have yet to provide me with anything, I noticed today that they recently made a {$1.00} dollar payment into the account. I never made a payment to them because I do not even know what the debt is for much less ever received a response from them. I have noticed this happen before and did an online research. Apparently this is done to extend the statute of limitations of an account and also to keep the account active beyond the legal time frame. 

The credit forums explain that whenever a payment is made a legal agreement to repay is created. When no other payments are received, they can consider this a breech of payment contract and report a new time limit. This is WRONG. Nothing has been paid by me or anyone else, and I am disputing not only the account which is not mine but also this illegal practice used to re-age accounts. 

i am asking this federal agency to take a look at my consumer credit files, to reach out to this company and review all my dispute requests which have never once been answered and to put this company on the record for violating the law. This is illegal and wrong, to keep people locked into debts which they dispute. This is shameful.
Complaint sub-issue: Account information incorrect

There is an enormous disparity between my actualbcredit score & the one XXXX  , XXXX  has provided. This has caused the rate on my car loan to be higher than anticipated.
Complaint sub-issue: Information belongs to someone else

PLEASE FIND INCLUDED MY COMPLAINT WITH XXXX XXXX XXXX XXXX IN REGARD TO A FALSE DEBT REPORTING ON MY CREDIT PROFILE. THEY HAVE REQUESTED DELETION AND IM CONFIRMING WITH PROOF THAT THIS ACCOUNT IS TO BE DELETED IMMEDIATELY. YOU ARE IN VIOLATION OF 15 U.S. Code 1681c2 REPORTING INFORMATION THAT RESULTED FROM IDENITY THEFT. IF THIS DEBT IS NOT BLOCKED & DELETED, I WILL SUE THIS COMPANY.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX someone stole my identity and got XXXX   cable in my name and XXXX cable ran hard inquiry 's on my Equifax credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Now XXXX has removed the bad account off my report but XXXX said that Equifax has to remove the hard inquiry 's themselves as well as the bad address that was used XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax is refusing to do so claiming they can't find my file but Equifax just updated my file on XXXX  XXXX XXXX on XX/XX/XXXX Also XXXX XXXX XXXX  inquiry on XX/XX/XXXX is not mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone has been using my credit information and are applying for credit cards.
Complaint sub-issue: Public record information inaccurate

the information on on my credit bankruptcy should not be on my public record i am victim of identity theft and mistaken identity ( date report XX/XX/2016 ) ref # XXXX this should not be on my credit report does not belong to me
Complaint sub-issue: Personal information

The only address on my credit report should be XXXX XXXX XXXX XXXX, Texas XXXX. The other addresses our my son XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, address and phone numbers listed on my credit report is not nor has ever been an address or phone which I resided or obtained and does not relate to me. It is the result of identity theft. I contacted all creditors. XXXX XXXX doesn't even have an account or record of me in their system.
Complaint sub-issue: Their investigation did not fix an error on your report

I do no anything about this account with XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. I tried to have the credit bureau removethese multiple times.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I attempted to take an auto loan out with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX located in XXXX, Ohio. I only gave the salesman permission to run my credit for XXXX XXXX only due to me having a pre-approval prior to him taking my social security number. The dealership took upon themselves to run my credit through multiple lenders and finance companies. I did not give them permission or authorization to run my credit outside of XXXX  XXXX. They ran my credit for XXXX XXXX XXXX, Ally Financial ( twice ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I spoke with the salesman about running my credit for XXXX XXXX only on XX/XX/2022. Come to find out they continued to run my credit on XX/XX/XXXX and XX/XX/XXXX. I have not spoken with the salesman pass XX/XX/XXXX so I was completely unaware that he still had my personal information and was running my credit without my permission, consent, or approval. I believe that the dealership and salesman was trying to commit fraud because I have contacted them and they will not take my calls and act as in if they don't know what I am speaking about or act as in if they never worked with me. I am a victim of fraud and stolen identity.
Complaint sub-issue: Account status incorrect

My issue is with an auto loan from XXXX XXXX XXXXXXXX. Equifax has a 30 day late in XXXX and XXXX but XXXX has XXXX late payments for XXXX & XXXX. I was never late on this loan and the auto was paid and closed between XXXX XXXX. My payment date for the account was the XXXX of each month. Ive sent multiple disputes letters and was told it would take 30 days to investigate. Equifax claimed it was verified. XXXX failed to respond. XXXX claimed verified. I asked all three to send me how the late payment was verified and no response From each credit agency and letters were signed and delivered. I called XXXX  XXXX XXXX to see what was going on and they told me that nothing was never late and they sent the credit bureau the closed paid off account & they stated that no one contacted them about the file because when consumers dispute item they add info in the file and nothing was in my file, so Im wondering how did they verify. XXXX has XXXX XXXX day lates but the car was paid off in XXXX so how was I late? I have no idea and no one seems to know anything. My credit report is clean! And never missed a payment on ANY account. I sent experian a letter that was delivered XX/XX/XXXX and they failed to verify in 30 days and they told me now that my letter was missing and they cant change anything.
Complaint sub-issue: Application denied

I know within the last 6 years credit karma advertised to me a guaranteed approval but it was a lie. I caused my credit score to be impacted.
Complaint sub-issue: Reporting company used your report improperly

on XX/XX/2019 i submitted a dispute online with equifax for two collection accounts. On XX/XX/2019 i was informed by my credit card company XXXX XXXX that my acct was being disputed and they had to close my account due to my request. I contacted XXXX XXXX on XX/XX/2019 and was told by a agent that equifax disputed the account stating that this account didn't belong to me and in order for them to reopen the account i must have something from equifax showing that i didn't dispute it. I contacted equifax on XX/XX/2019 and spoke with a supervisor who refused to close the open dispute and stated that it was a error on their end and she didn't know how all accounts was disputed. equifax admitted to fraudulently disputing all my accounts even though the legal document didnt have that information on there.
Complaint sub-issue: Keep getting calls about my loan

Received a call from this debt that is more then 20 years old. I have received multiple calls. I did n't get a chance to get more information on the debt before he started throwing out repayment options. I 'm sharing to let people know that they need to voice their rights. Tell them you will be contacting the consumer finance department.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I DO NOT KNOW ANYTHING ABOUT IT AND IN NO WAY IS ANY TRANSACTION MADE BY ME IS RELATED TO THIS ACCOUNT. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Account status

Equifax is listing an open account from the Department of Treasury, which I have never received a bill for and or have any information. I 've asked my E.A. about it and she said it is in error. Along with the original opening date as XXXX XXXX, 2009. I have called the Department of Treasury and they are unable to give me an answer regarding why I am listed as this being a delinquent account / Collections. 

Also, this exceeds the length of time that is should be listed, I have disputed this and they relisted the date reported as a current date, in a nasty attempt to damage my credit report. Supposedly it 's in collections however they can not tell me how I can resolve this issue that is not mine in the first place.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchases a product online from XXXX XXXX  for {$19.00}. The following month in XX/XX/2019 they charged my account for what appeared to be 1 of 3 payments. Which I got the credit card issuers to fix that. But then about a week later I received some makeup products from them I did not order. I filed complain with credit card company and they say that the transaction was marked as Reoccurring charge so they could not stop them. 

I have contacted the company and they will not take me off some Subscription they put me on so I filed complaint with XXXX But I cant get credit card company to stop allowing them to charge my account
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report from Equifax, XXXX, and XXXX. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I am also trying to get my credit in order because I want to buy a house and move away from my current living condition.
Complaint sub-issue: Debt is not yours

STAFFORD GROUP ASSOCIA is reporting an account in the amount of {$2300.00} on my consumer credit report. I do Not know this company. I have NEVER done business with this company. I have never signed a contract with this company for anything. I have NEVER given permission to anyone verbally or in writing to pass my information to this 3rd party company.
Complaint sub-issue: Account status incorrect

I am hereby filing a written complaint against Equifax. I have sent over seven certified letters to the credit bureau to verify the incorrect information on my credit profile. Equifax is reporting XXXX XXXX XXXX late for 10 months in XXXX and in XXXX, XXXX and XX/XX/XXXX. They are also reporting a repossession and the car was never repossessed. These information are incorrectly being reported. I am requesting they remove this account immediately from my credit file. I have not received any communication from them about these late payments and they are yet to verify the validity of their data. They have not made any attempt to try to rectify this urgent matter. I initiated the verification process with them in XX/XX/XXXX and I am yet to reach a resolution. Im hereby seeking assistance and resolution. If this can not be resolved in a timely matter I will be forced to file legal action with the assistance of my attorney. Equifax please remove all late payments for this account and remove repossession status.
Complaint sub-issue: Debt is not yours

PlusFour Inc. Has refused to remove information/account off of my credit. I have repeatedly disputed this and they continue to say its accurate. It is not my debt and I am fed up with a collection agency that illegally bought this case and has no right to report and refuse to remove this from my credit reports
Complaint sub-issue: Information belongs to someone else

I pulled my credit for the first time in 4 years and I saw a couple of accounts and many inquiries that are not mine. These suspicious accounts and inquiries need to be removed from my report. It is fraudulent information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX, account XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.