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

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried calling all three bureaus and can not get past automated system. I have also tried getting online help with those that allow that and nothing. With XXXX XXXX I can not log into my account and for some reason I am getting message information is wrong and it isn't. I have even reset my password and it still says the information is wrong. Now I can not reset because I keep getting looped back to please enter your social security number. I filed disputes on 6 accounts a while back and have not received any report back or confirmation. On XXXX  and Equifax I was able to log in but these disputes are nowhere on my account or report nor are they in my alerts. I am sure it is so with XXXX XXXX but I can not check because I can not log in nor reset my password. I am tired of dealing with these people.
Complaint sub-issue: Changes in terms mid-deal or after closing

On XX/XX/21 - I was chatting with Tesla regarding an existing Model 3 located in XXXX XXXX. After a few hours, a Tesla Representative XXXX XXXX called to inform me that there was an available Model 3 available at a much lower cost due to the previous damaged history located up north XXXX. I was told by the representative that I did not need to pick up the car until after the new year because of the holiday and knowing full well I was located in XXXX California. The rep followed the conversation with a text link directing me to the car, and I committed to paying the {$250.00} order fee because of the said car credit savings. 

On XX/XX/21, XXXXXXXX XXXX pst I received a welcome to the Tesla Family detailing tasks that need to be completed. At XXXX XXXX, I followed the Tesla tasks, had my insurance uploaded, had my credit run and was approved, and I paid the {$4500.00} downpayment requirements. 

On XX/XX/21, around mid XXXX XXXX pst I received a text message from a XXXX phone number that I will need to pick up this same day, XX/XX/21, or I will be unmatched to the car. The text message also added a link to model 3 at $ XXXX more as a replacement car located in XXXX XXXX, California, if I choose not to pick up the original model 3 ordered. I explained by responding to the text that there is no way for me to pick up the vehicle before their closing time as I am located in XXXX California and would not be able to drive or fly due to the timing of the request. Moreover, I explained that Tesla had not sent me the agreement to complete the final task or had given me the last date for pick up via the delivery task via Tesla App. 

On XX/XX/21, concurrent to the XXXX text exchanges, I had texted XXXX to inquire about the text messages I was receiving from XXXX and why he did not disclose that this would happen. At XXXX XXXX, XXXX reached out to me via phone after several frantic calls my wife had made to XXXX XXXX Tesla, promising that XXXX the rep would reach out. During our conversation, I explained to XXXX that if I had known, I would not have committed to purchasing the car if the car was never mine to begin with, now Im out {$250.00}, Tesla did a hard pull on my credit, and I made a {$4500.00} payment. I explained to XXXX that Tesla baits and switched me to a more expensive vehicle that I would not want. We finally ended the conversation that the car does not belong to me, and if no one gets matched to the vehicle after the new year, it is like nothing had happened. I told him that he needed to refund me my money, including the non-refundable order fee of {$250.00}. I explained that he should have disclosed this information to me before committing to the car, and now I have a credit pulled on my credit history, which would lower my credit score and out the {$250.00} order fee.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I have had some issues with someone accessing my credit file and using mypersonal information and at this time I would like to request a credit freeze/ Block all accessto my file and contact me directly at my phone XXXX or email me XXXX. I need a PIN for all my credit reports asap. 
I found some incorrectaccounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a Chapter XXXX or XXXX bankruptcy. 
2.XXXX XXXX XXXX  XXXX # XXXX 3XXXX # XXXX 4XXXX # XXXX 5XXXX XXXX # XXXX 6XXXX # XXXX 7XXXX XXXX # XXXX8.XXXX XXXX  XXXX # XXXX 9XXXX XXXX  # XXXX THERE ARESEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASEDELETE THEY ARE NOT CORRECT : XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX, OH XXXX
Complaint sub-issue: Problem with fees

Best Buy has charged me a late fee of XXXX dollars 2 months jn a row for paying my bill on time. I have spoken to them but to no avail.
Complaint sub-issue: Company closed your account

On or about early XX/XX/XXXX, I received a notification through XXXX XXXX that one of my credit cards had been closed. When I called Citi, they told me that it had been closed due to inactivity. Usually I would receive a letter indicating the credit card will be closed if I did n't use it. They refused to reopen the account unless they did a hard pull on my credit report. As you know, this affects the consumer 's credit score. They can easily do a soft pull and see the same information as they would with the hard pull, not to mention that my account with them has been opened for 17 years, since XX/XX/XXXX and always kept it in good standing. Hard pulls affect my credit score, they acknowledged that they could do a soft pull but refused to do that. They said that I had acknowledged that my account will be closed if it was not used in over 25 months when I acknowledged the terms and conditions I have requested the terms and conditions that I acknowledged at least two times and I 'm yet to received them. 
I feel this is unfair because it affects the consumer 's credit score and they should give notice about closing accounts.
Complaint sub-issue: Information belongs to someone else

There are currently numerous accounts listed on my credit report that I have no knowledge of. These accounts are a result of malpractice or an error.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently checked my credit report and saw that a company called " FLAGSHIP CRE '' ran my credit. I did not authorize this inquiry. This inquiry has caused my XXXX XXXX to decrease and I fear that my identity XXXX have been stolen.
Complaint sub-issue: Problem with fees

citi sears masterard is a great credit card but interest rate is outstanding. the balance i was paying on my cell phone XXXX on the statement it says XXXX when i look at the balance on phone i would be over the limited the interest XXXX plus being charged XXXX for over the limited fee since this covid - 19 started citi has not given any relief to consumer on their card products .at the begining of crisis.
Complaint sub-issue: Information belongs to someone else

I reviewed my credit report and noticed several items that where in accurate and fraudulent. I contacted the credit buearus immediately and there has been no resolution to my issues. I filed a complaint with the FTC as well as contacted my local police department with no resolution. I am now contacting you with hopes of resolution. 

Below are fraudulent accounts in question : Company Name : XXXX XXXX Date Open : XX/XX/XXXX Account # XXXX Balance:XXXX Below Are a list of Inquires I did not authorize and are fraudulent. 

Company Name : XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX/XXXX   Inquiry Date : XX/XX/XXXX Company Name : XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Their are 2 student loans on my report that are reporting late FROM XX/XX/XXXX UNTIL XX/XX/XXXX I paid this company on time during these months and i continued to pay them to this day on time this information is totally inaccurate. 

Company Name : XXXX XXXX XXXX Account : XXXX & XXXX Date Open : XX/XX/XXXX
Complaint sub-issue: Trouble with how payments are being handled

My student loan is currently being serviced by FedLoan Servicing. I consolidated all of my loans in XXXX and began PSLF at that time as well, I have worked in XXXX XXXX for over 11 years. I noticed on my last statement that they stopped counting 3 years of prior service for me from XXXX - XXXX, when I called to inquire as to why, I was informed that my loans had been re-consolidated in XXXX and that service prior to then would not be counted. That's 5 years of service! I DID NOT RECONSOLIDATE MY LOANS!! Why would I when I already consolidated them all in XXXX, my service was being counted and my payment was XXXX? Now in speaking with the company, they admit it may be an error and will remove the new consolidation but they will not count any payments after XXXX! These people are crooks and clearly double-dipping! Please help me rectify this matter, I just want to be made whole and returned to my original disposition.This agency and this PSLF program is supposed to help lenders like me, not rob us.
Complaint sub-issue: Account information incorrect

XXXX  has listed XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX accounts can be removed from my credit history.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX has listed the same account twice on all 3 of my credit reports. The alleged amount owed, account number, open date and other information is all identical. Its a violation of my rights under the FCRA for the same account to be listed multiple times
Complaint sub-issue: Account information incorrect

Previously XXXX XXXX XXXX was reporting same time as XXXX funding on my credit report after XXXX XXXX had sold my account to XXXX in XXXX of XXXX I paid XXXX and they removed from all my credit reports I sent a letter to XXXX XXXX in XXXX on why they are still updating my reports as late they replied back with a letter stating they no longer own my account they sold to XXXX and to contact them then again in XXXX they updated my account as late. I have supporting documents to verify this statement
Complaint sub-issue: Investigation took more than 30 days

On XXXX2022 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those 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. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Didn't receive notice of right to dispute

While reviewing a copy my credit report, I discovered that IC System Inc has reported a collection on my credit report. I do not have any knowledge of an account with IC Systems or any company they may be  collecting for. The company listed on the report says XXXX XXXX. I do not have any accounts with XXXX. IC System Inc has not contacted me by phone or mail, nor have I received a 30 day dispute letter. They are reporting a debt of {$140.00} and have failed to notify me of the debt or verify if it is accurate.
Complaint sub-issue: Account status incorrect

Information about the status of my Federal Student loans is being reported incorrectly to the credit bureaus from XX/XX/2020 onward. The loans are in forbearance because of the XXXX relief bill that was passed and extended. These loans show on my credit report as being in collections instead of being in forbearance. This has negativity impacted my credit score by the three credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

I have notified Equifax, XXXX, & XXXX about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these UNAUTHORIZED inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX, XX/XX/XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Frequent or repeated calls

This company has called me 5 times in one day. Im sure this is harassment. I have blocked other numbers similar to this one and they just keep calling from new ones.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

From XX/XX/XXXX to XX/XX/XXXX there are several mortgage inquiries that I do not recognize. Whereas there should only be XXXX mortgage inquiry from XXXX XXXX. 

In XX/XX/XXXX I obtained a auto loan from Credit Acceptance Corp, I have seen several other auto loan inquiries being reported that are not recognized.
Complaint sub-issue: Their investigation did not fix an error on your report

The incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. Their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Debt was paid

I have settle the amount with the lawyer representing the  XXXX   XXXX   XXXX . I had paid a certified check and it was cashed on the  XXXX  of  XXXX  for the agreed amount.  XXXX   XXXX   XXXX  also reported the balance was still owed and that 's incorrec t. Case No   XXXX  in the  XXXX  Ohio Court. This was a  Home Depot original Citibank, NA
Complaint sub-issue: Was not notified of investigation status or results

In early XXXX when I learned I had a incorrect collection acct. report from XXXX XXXX Equifax reporting agencies, I filled a dispute online with both. Within 30 days XXXX  had removed it, but Equifax had not. I then went on the Equifax website and disputed it again. After aprox. 60 days I had still not recieved any comunication or resolution so I called them and requested this to be disputed a XXXX time. To date I still have not even received a response to this issue, and I am now unable to get through to their website or phone number. At this point I even tried to go back to the doctors office where I thought this had originated and learned from them it was from XXXX XXXX and given their # XXXX XXXX. When I contacted them they said there was nothing showing it was sent to collection, which made even less sense to me as to where the incorrect report originated. But they told me they would investigate and gave me comp # XXXX. I also have a copy of my cancelled check # XXXX dated XXXX/XXXX/XXXX, for {$200.00} that was sent as soon as the bill was recieved, yet this collection was recorded as opened in XXXX XXXX.
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 XX/XX/XXXX. And now we are in the month of XX/XX/XXXX 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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, Equifax XXXX XXXX XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX I believe it was reporting in error.
Complaint sub-issue: Information belongs to someone else

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance XXXX {$22000.00} ; XXXXXXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX : {$7100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$240.00XXXX XXXX XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$400.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet when I ordered a copy of my report inXXXX XXXX, I found out that credit reporting agencies still indicate my dispute of information in my credit report. Again, I was a victim of identity theft and this is another request to block the ITEMS from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any ITEMS not later than 4 business days after the date of receipt.Also, the information provided on some ITEMS are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The following Items listed below needs immediate action and block these from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX DAte of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ;
Complaint sub-issue: Investigation took more than 30 days

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows Credit Bureau to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from. I been sending dispute to Credit Bureau but they won't reply, they sent me response once by saying it has been verified. After that I mailed dispute two times, no response. Please proof of mail. 

1. The status is incorrect for the following account : account is open. Wrong balance is being report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


Please remove correct this with all haste. Thank you for your attention. I apologize for being so angry.
Complaint sub-issue: Debt is not yours

XXXX  is reporting a debt in collections by the bureau since 2010. 
I did not owe this amount as it was billed for work I did not agree too. 
I have explained this to XXXX  XXXX XXXX and XXXX  and XXXX   is the only reporting agency that wont remove this item from my file. 
It was never an authorized charge. 
It should be removed from my credit report.