Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX   XXXX   XXXX  did n't replying in a timely manner to my letters to date after numorious certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations  [ 15 USC 1962e ]   As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or i n-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am preparing lawsuits against Equifax,  XXXX  &    XXXX   for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To summarize : On XX/XX/XXXX, a US Bank loan officer ( XXXX XXXX, District Sales Manager | NMLS # : XXXX ) located at XXXX, California, pulled my credit report without my consent. 

Here are the details : On XX/XX/XXXX, we gave permission to US bank to pull our credit report in order to get the pre-approval of a mortgage as we are trying to purchase our first home. On XX/XX/XXXX, we got the pre-approval valid for three months. 

We also talked to a loan officer from XXXX XXXX XXXX. He told me, once the bank pulled the credit report, and issued the pre-approval, and if we get the mortgage within 120 days, the bank won't need to pull our credit report again. So we assumed it's the same for all banks. As the rates offered by US bank is significantly lower than XXXX, so we decided to go ahead with US bank instead. 

We decided to move forward with the house purchase. So today, I called the banker, and told him we are going to write an offer for our dream house this weekend, and whether he can move our pre-approve to underwriting for a more formal review. He said yes. And he never mentioned about the need to pull our credit report again. And later in the afternoon, he emailed us that he can no longer provide us the mortgage because our credit score dropped below the minimum requirement. I logged into my credit report account, and noted, because of his inquiry without my permission, my credit score dropped by 10 points! And I was furious. How can the bank go ahead and pull my credit report without my permission? He just pulled the credit report less than one month ago and my pre-approval is valid for 3 months. Even if it is US Bank 's internal policy to pull the credit report again, he should have at lease let me know and get my permission. If I knew he needs to pull my credit report again, I would never chose to work with US bank. As I know there are other banks ( for instance, XXXX ) out there who do not need to pull the credit reports over and over again! 

Me and my husband were planning to make an offer for our dream house this weekend, but now with this unpleasant incident, I don't know whether we can make the offer or not! We waited for so many years to purchase our first home. And now because of an illegal credit inquiry, we may loose the opportunity to buy my home. I can not accept this. 

Please help me and my husband look into this. We really need this to be resolved as soon as possible. Thank you so much!
Complaint sub-issue: Application denied

Two fraudulent applications were sent in to open credit card accounts using my information. The hard inquiry on my credit report is what prompted investigation and then I received letters from both companies that the credit cards were ( thankfully ) NOT approved. Upon calling both companies they did have my SSN #. 
1. Hard inquiry XX/XX/XXXX for XXXX XXXX XXXX, letter received indicating program fee was returned unpaid and account would not be open. Contacted XXXX XXXX customer service XXXX and they confirmed no account was open on XX/XX/XXXX. 
2. Hard inquiry XX/XX/XXXX for Citi card, letter received that application could not be approved due to missing info. Customer service was no help and I could not get any clear assistance from multiple operators. I tried to XXXX fraud department for Citi and it was the same basic phone number. Credit Bureau dispute entered to remove this inquiry and a fraud alert has been placed at all bureaus.
Complaint sub-issue: Debt is not yours

On XXXX XXXX, XXXX XXXX sent an email rather than a letter through XXXX XXXXXXXX XXXX of an attempt to collect a debt not owed. I called the company and informed them that I do not owe this debt and have correspondence with their client that I disputed these false charges. The rep was not helpful and did not care. 

XXXX XXXX has never sent me any notice or communication via XXXX XXXX XXXX concerning this account after I disputed the charges via email in XXXX  XXXX XXXX has also no responded to any communications from me concerning this debt. I do not owe XXXX XXXX {$950.00}. My due process as a tenant in the state of XXXX were violated when no communication was received after I disputed the charges. 

Concerning Hunter Warfield, if I had not checked my spam email folder, I would not be aware of this debt. As of XXXX, I have yet to receive a notice in the mail. If Hunter Warfield does not cease collection, I will have to name them as secondary defendant in my small claims court case filed in XXXXXXXX XXXX against their client, XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Complaint sub-issue: Account status incorrect

I had a mortgage with XXXX XXXX XXXX XXXX. I got foreclosed on and I went into bankruptcy. XXXX XXXX XXXX XXXX sold my mortgage to XXXX XXXX XXXX. Well everything was put into our bankruptcy, we did chapter 13. So we fulfilled the bankruptcy and everything was taken off our credit report. XXXX XXXX XXXX was completely taken off of XXXX  XXXX and XXXX. But it was still showing up on equifax, so I filed a dispute with them and the next month they took it off my report. It was showing 3 yrs late payments, which that was the 3 yrs we were in bankruptcy. But the following month it was put back on my credit report and dropped my score 50pts. I then called equifax  back and asked them what happened. They couldnt tell me what happened and told me to contact XXXX XXXX XXXX. So I called XXXX XXXX XXXX and explained to them and she contacted equifax  and sent in all the info and explained to them that nothing should be showing up on the report. The next month it was taken off. Then more score went back up 50pts. The following month it was put back on the report and dropped it 50pts again. I then called equifax and once again they couldnt answer my questions as to why it was still showing up. I called XXXX XXXX XXXX back and she explained to me the problem is with equifax and not them.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided in XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am sure that someone in the XXXX area is using my ID and Personal Identifiers to open up accounts in my name. I lost my ID over a year ago. I pulled my credit report and discovered several accounts that I do not recognize. I am trying to protect the integrity of my credit profile as much as I can. Please update my correct address : XXXX XXXX XXXX XXXX FL XXXX is my only address. Please delete any other addresses. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX # XXXX.
Complaint sub-issue: Personal information incorrect

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.
Complaint sub-issue: Debt is not yours

I was contacted on XX/XX/XXXX by XXXX XXXX regarding XXXX XXXXXXXX XXXX. The debt collector stated that I owed XXXX to XXXX XXXX for exclusion work that was contracted on XXXX XXXX ; however, this debt is not valid since XXXX XXXX exclustion never preformed the work. I took off work on XX/XX/XXXX because that was the day the exclusion work was to be done. The company was a no call/no show. I called the company the following day to express my displeasure with lack of professionalism. They explained to me that an employee had quit and that they were down a truck, and therefore unable to complete my service. I informed them due to the lack of communication, no call/no show, to cancel my contract since I lost confidence in their business as a consumer. Friday XX/XX/XXXX, the company charged my credit card for services not render. I contacted XXXX XXXXXXXX XXXX, and was told the charges would be reversed. I contacted XXXX my credit card to dispute the charges as well. Now, almost a year and half later I a get a calls and letter from a credit debt collector trying to collect on a debt that is not valid.
Complaint sub-issue: Reporting company used your report improperly

Recently my own as well as my wife 's social security information was leaked without my permission by Equifax. As far as I know my social security number has not been used, however I 'm certain it is now unfortunately public information and this is unacceptable.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

Equifax sent me a stall out letter saying that they couldn't find my credit file when I sent in my two supported documents with my dispute letter. But I disputed an account that they furnished into my consumer report without my consent. They are in violation of USC1681b and those accounts need to be removed. In my letter I asked forA CONTRACT WITH ME AND EQUIFAX SHOWING THAT I GRANTED THEM PERMISSION TO FURNISH THE LISTED REPORTS BELOW ONTO MY CONSUMER REPORT ( PLEASE HAVE SENIOR EXECUTIVE WRITE IN AFFIDAVIT SHOWING PROOF THAT I GRANTED THEM PERMISSION TO FURNISH THESE ACCOUNTS. Failure to provide me documentation of my signature giving them permission, I need the accounts i listed removed immediately.
Complaint sub-issue: Personal information

There are a couple addresses that I have never lived at. Also there is a name on my personal information that is not mine. Accounts that I have never opened are showing on my credit report too.
Complaint sub-issue: Their investigation did not fix an error on your report

I was involved in an auto accident with my son in 2021. When they officers arrived they call the XXXX when the XXXX arrived I declined service and they left. The other driver was sited to be at fault .y now reasoning for writing you all is because XXXX XXXX XXXX XXXX is now reporting collections on my credit report when they should be trying to collect payment from XXXX XXXX XXXX Department ( the one who called ) or the at faults party insurance and not from me. Please delete the 2 collection accounts from my credit report. Attached is the police report.
Complaint sub-issue: Didn't receive enough information to verify debt

This company is reporting an erroneous " paid '' collection account on my credit reports. This not mine. When I disputed the account through the credit bureaus it came back " verified ''. I then sent this company a letter on XXXX XXXX ( please see attached ) and they ignored it, yet they are still reporting the collection to the credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who gave Equifax permission to report anything on me? I need answers now!
Complaint sub-issue: You told them to stop contacting you, but they keep trying

This company- Direct Capital continues to Robocall my phone number. I am NOT on a debt with them, nor am I the person they are trying to contact. They continue to hang up on me when I ask them to stop calling me and will not remove my information from their calling queue. I have reported them previously for disclosing the nature of the debt to me when I am NOT their debtor. It is a violating to robocall a cell phone that is not provided to them as the debtor
Complaint sub-issue: Report improperly shared by CRC

This collection Agency has been reporting wrong information for the past 2 years. This is the 4th collection XXXX XXXX has this account to for the {$240.00}. I want it removed my my reports.
Complaint sub-issue: Didn't receive notice of right to dispute

Take NOTICE ... This is my final request to have these deleted 2. Account Name : DEPT OF NELNET Account Number : XXXX off my consumer reports and credit reports... .Each complaint in this portal will be used as record for proceedings that this was to be resolved before you will need to accrue attorney fees for your company. .Delete it or i will be contacting an attorney to sue your company in 10 days. 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Complaint sub-issue: Debt was paid

Paid my XXXX loan off after 4 years of payments. Took every last penny in my account. Thought I was done with these XXXX. Then the following month Great Lakes withdrew my monthly autopay amount of {$590.00} out of my account. I called and the extremely condescending representative informed me that, despite paying off the loan I still needed to turn off autopay. Ridiculous! What other loan servicer requires that? To make it more absurd, you cant turn off autopay online once you are done making payments. Great Lakes informed me that they couldnt refund my payment for 45 DAYS! It took every spare penny to finally reach my goal of being debt free, how can I pay my rent this month? I bet that the majority of people use autopay and many of them dont realize they need to cancel after paying off the loan. If Great Lakes is holding on to an extra payment for all those people for 45 days they are earning some serious interest. Its criminal and sad. I guess they have the federal government feeding them customers so what do they care if young people trying to repay student loans get XXXX?
Complaint sub-issue: Problem getting your free annual credit report

having issues getting my credit report sent equifax information they have not responded
Complaint sub-issue: Account status

The status of my XXXX XXXX XXXX account was erroneously changed. This account is PAID IN FULL. Equifax was reporting this correctly and it suddenly changed to " late '' status.
Complaint sub-issue: Confusing or missing disclosures

I'm writing on behalf of my mother. 
I wanted to transfer my IRA account from XXXX XXXX XXXX  to Discover Bank. 
I filled out the necessary forms that Discover required including REQUEST FOR TRANSFER OR CONVERSION FOR TRADITIONAL, ROTH OR SIMPLE IRA. 
On the form it asks for the address of XXXX XXXX XXXX and my SSN. 
I filled it out with the PO BOX address listed on my XXXX XXXX statement and my full SSN. 
Mailed the forms roughly around XX/XX/XXXX. Days later I received a call saying they can't process it because it has a PO BOX instead of a physical address. 
I filled out a second form with the physical address and mailed it on XX/XX/XXXX. 

On XX/XX/XXXX, after noticing that the account still hadn't been funded on XX/XX/XXXX I wrote to them asking if any more forms from me were needed. They said no, everything was good and they were just waiting for the check from XXXX XXXX. 

Mid XXXXt rolls around and I went to XXXX XXXX to find out why they never send the check. Well, it was because Discover Bank never sent the request to XXXX XXXX, they thought we were going to hand deliver the request to XXXX XXXX. After many more conversations with them, they said that didn't send the original request because it didn't have a truncated SSN. They never told me that before and NOWHERE on the form or on the instructions does it ask for one.
Complaint sub-issue: Didn't receive services that were advertised

i never authorized them to track my credit, yet am responsible for any effects of their credit breach and must pay for any freezes to attempt to protect my identity.
Complaint sub-issue: Personal information incorrect

XXXX removed this from their database as it is proven to be inaccurate. See attach letter and my account number as proof of the removal. 

Please delete this from my credit report Thanks
Complaint sub-issue: Information belongs to someone else

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am having problems with Equifax. When I call, they are super illusive about my information and they keep me on hold for over an hour and when they see that I am patient, they hang up. They refuse to answer questions or update information. I have been hung up on while on hold 4 times in one day, that can't be by accident. My information has been compromised more than three times by Equifax. I am one of the people who was awarded free credit report and score due to the 2017 breach. 

They have messed and compromised my info more than 3 times, letting it be accessed on the dark web and for fraudulant reasons and they won't help what they have caused. I am tired and frustrated with them. 

I can not access my info on any other platform ( XXXX XXXX, XXXX, and XXXX ), aside from theirs and often times I have problem logging in. 

I have an error on my file, a misreporting I have been trying to get removed, which was removed from all other creditor files. 

XXXX XXXXXXXX XXXX. 

I have been asking to verify original debtor or proof that it belongs to me, ehich they can not provide because it does not. 

I simply wanted to get help and get someone from the fraud team to talk about it and dispute it. However, when I finally get someone after holding 30 -45minutes, they put me on hold for transfers and I always get mysteriously hung up on. 

I need help from CFPB to get this matter resolved and get my mishandled information in order with Equifax. Thank you XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my last endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
Complaint sub-issue: Was not notified of investigation status or results

I am filing this complaint because XXXX XXXX, and Equifax have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.