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

I spoke with a representative twice @ Equifax. Once inXX/XX/XXXX and againXX/XX/XXXX and was told my inquiries would be deleted, as well as my bankruptcy which was discharged in  XXXX. I then also mailed validation letters on XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In light of Equifax Once again admitting they are not doing their job properly with the newest news report of them admitting they have given incorrect information and credit scores to lenders. I can not trust Equifax 's investigation and policy of procedures. I wanted the rest of my request from my old CFPB case XXXX completed. 

-- Delete Medical Collection Account / Paid to the original creditor -- Dispute Collection Agency XXXX Collection Agency XXXX XXXX XXXX Account Number # # # # # # XXXX -- Delete Trade Dispute Company Name XXXXXXXX XXXX  -- Delete below unauthorized inquiries Date Company Address Request Originator XX/XX/2021 XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX GA XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  This has cost be lost of over {$50000.00} of credit opportunities. Equifax failed to do an initial investigation before reporting these items.
Complaint sub-issue: Debt is not mine

They are calling for someone that is not me They wo n't stop calling.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporters act. convergent account # 's below 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 without my written instructions. 

XXXX XXXX XXXX XXXX XXXXXXXX account : XXXX XXXX. XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account : XXXXXXXX XXXX XXXX XXXX  : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I received literature in the mail 2 years ago regarding a line of Credit for {$2500.00} from a company called XXXX. This line of credit was disguised as payday predatory lending. They took a fee of {$400.00} right off the top and only deposited {$2100.00} in my account. From then i was charged bi weekly finance charges plus some money off the bill. i closed the account down after a months because I was falling behind on payments and could n't keep up with the account. This account is now on my Credit Report showing as original Creditor-XXXX XXXX XXXX XXXX XXXX. I am not sure if they are registered with FL or FDIC. they are now being represented by XXXX XXXX. with a balance of {$2900.00}. I have tried to get debt validation on this account a few times but to no avail. Because it has been past 30 days XXXX will not send documents to prove they own the account. I have tried numerous times with Credit Reporting Agency to remove and they will not. XXXX has since updated their agreements and payment terms since i took out original loan. They will not send me a copy of my original contract because they sold off account. Need to get this black mark off my report and save others from this predatory lending.
Complaint sub-issue: Reporting company used your report improperly

Equifax carelessly mishandled my information, opening themselves up to a breach that has placed myself and millions of others at risk of having our identities stolen. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no notice and only became aware of this from articles shared on social media.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I purchased wheels and tires from a noteable tire shop in XXXX XXXX. I used there credit option as the told my it was free to finance. I paid XXXX over the last 3 months of the XXXX amount. 
I should only have XXXX left to pay but they are saying I still owe over XXXX bucks for a total cost of XXXX and now they are trying to call it a lease?? I never signed a lease. 
How could they charge me over XXXX extra in interest? None of these final charges were ever given to me when I signed up for this. 

The Company is Acima Credit. 
Account XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE REVISED MY CREDIT FILE AND DISCOVERED SOME ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS DOES NOT BELONG TO ME AND HAVE NOT BEEN AUTHORIZED BY ME. I AM ASKING THAT THE ACCOUNTS BE INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/22 I requested that XXXXXXXX XXXX cease and desist collections due to the fact that this account under nys law is past the statue of limitations which was XXXXyears and now that the new law have passed its XXXXyrs in XXXXXXXX im still recieving harassings calls in regards to this account instead of ceasing collection activative on my report they updated on the report as a late payment and this account is over the statue of limitation
Complaint sub-issue: Personal information incorrect

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Complaint sub-issue: Attempted to collect wrong amount

XXXX is saying the opened date is 5 years later then it is also reporting I owe more then XXXX origanilly sent me letters to pay also XXXX  can not verify this debt is owed after bankrupcy 10 years ago i feel they have purchased a debt that should have been discharged in bankruptcy but purchased debt never verified debt and now reporting it is a new debt owed I have no debt from this company or any affliated company
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXXXXXX XXXX  XXXX .... Balance : {$50000.00} ; XXXXXXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Company closed your account

Citibank closed both my checking and savings account on XX/XX/XXXX without giving reasonable notice. I called them a couple of times to try to reopen my account and ask for the reason. They said they were unable to do that and they would send me a check for my remaining balance. Then, they closed my credit card accounts on XX/XX/XXXX, once again without reasonable notice. I called their customer service and they said they were unable to provide the reason or reopen my accounts.
Complaint sub-issue: Not given enough info to verify debt

This collection company has re inserted a medical collection on my credit file to XXXX, This is unknown and this same company placed a previously medical that was my wife 's only which should have NEVER been placed on my credit file in the first place and had to fight it for months, which the bill was solely hers and she pasted away a while ago.
Complaint sub-issue: Was not notified of investigation status or results

I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent
Complaint sub-issue: Account terms

For the last 8 months we have been arguing with XXXX about a credit card that was charged off back in 2012. Currently they are continuously reporting our charged off credit card account every month as 90 days late with a fluctuating past due balance that is incorrect. We have been making payment to the XXXX every month since XX/XX/2012. We currently owe XXXX when the charged off amount was XXXX. We have disputed this through XXXX, Equifax and XXXX. The account was removed completely from XXXX due to no response and when the dispute was sent in to Equifax we had XXXX 90 day late pays and they decreased it to XXXX. But they are still reporting us 90 days late according to my credit report on XXXX. Despite several attempts with the collection department at usaa nothing has been resolved. They are rude, disrespectful, they put us on hold and never pick up, they talk over me, yell at me and tell me there is nothing they can do. This account is causing my credit score to hardly change at all despite us working hard to repair our credit. XXXX is inaccurately reporting our credit card account on our credit and we just need help. We have done the right thing and have been making regular monthly payments to them for the last 4 years. We will continue to do so until the account is paid in full. We are not wanting to settle the account or anything. We just need this account fixed and have them do the right thing and report our credit card account correctly.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect items was found in my reports. The XXXX, XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified items without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Problem with personal statement of dispute

I originally disputed late payments. I ended up sending goodwill letters asking for late payments to be removed to XXXX XXXX XXXX. Now on my reports its says that i am still disputing, which I am not, after resolution. I sent letters saying I am not disputing and to remove statement several times off my credit reports to the credit bureaus and XXXX with no response. I would like the statement removed.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I wanted to remove my co-signer after 10 years of on-time payments. AES said the only way to do that was to re-finance. So I did. The new bank sent the payoff amount which was credited to my AES account on XX/XX/XXXX and resulted in a credit of approximately 57 dollars. I contacted AES to ask when the refund would be processed and to whom ( to me or to the bank who refinanced the loan ). They told me that in 5-7 business days the refund would be given back to the entity that made the payment. After the specified time had passed, they had still not processed the refund. So I contacted them again on XX/XX/XXXX only to be told that the process takes 30 days. When I mentioned the previous chat, the customer service representative had told me I remembered the details wrong, and straight up LIED to me about the what I was initially told. I asked for a copy of the original chat transcript for proof of what I was told and she said I would receive it in 5-7 business days. Holding on to an over payment for 30 days when the loan amount has been paid in full is unacceptable. 5-7 is  understandable as you may want to ensure that the payoff check has cleared but at this point, the new bank is charging me interest on that overpayment amount, so the check has most definitely cleared.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX {$150.00} XXXX XXXX {$240.00} In accordance with the Fair Credit Reporting Act. The list of accounts has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602A. States I have right to privacy 15 U.S.C 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Old information reappears or never goes away

My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all 3 credit reports on or around XX/XX/2017 and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below.

FCRA Section 611 ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
Complaint sub-issue: Account information incorrect

Account was paid in FULL XX/XX/2019. Balance still being reported As of XX/XX/2019 balance still showing on all three credit reporting agencies with one last reported date being XX/XX/2019
Complaint sub-issue: Information belongs to someone else

My Identity has been compromised and misused for the benefit insurance mobile and auto fraud applications. As a result of these acts I have suffered significant blows to my credit reports that need to be investigated and corrected immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter via certified mail delivered on XX/XX/21 to XXXX regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. 

I sent a letter via certified mail delivered on XX/XX/21 asking for Equifax to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). 

It has now been well over XXXX  days since I initiated contact with XXXX, and over XXXX since I contacted Equifax. I did not receive any information on the outcome of this dispute, and I do not believe that an investigation was done at all.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX Balance Owed : {$200000.00}
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect items were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my 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
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX ( Original Creditor : XXXX ILLINOIS XXXX ) XXXX Balance : {$300.00}
Complaint sub-issue: Problem with fees

On XX/XX/XXXX I was charged an annual XXXX membership fee to my Citibank Costco credit card without knowledge. They stated they sent statements to me via email, however, they would have received an undeliverable message as this was a business account, and I had lost my job due to Covid in XXXX of XXXX, resulting in the email address being terminated. It took six months ( while late fees accrued over-and-over ) for Citibank to use the information they had on file the entire time, and contact me! They finally called my phone number and mailed a late notice in XXXX. By the time I became aware of this charge not only did I have several months of late fees, but the credit account was closed, and my personal credit score had decreased nearly 100 points! My calls to a few different departments resulted nothing. I have had many credit accounts in my 48 years, but will never do business again with Citibank as I find their business practices don't protect the consumer, but actually show intention to result in their own financial gain ( isn't that the definition of fraud )?!
Complaint sub-issue: Didn't receive services that were advertised

Im gon na say around XXXX to XXXX I saw a lot of pre-approvals on credit karma at first I didnt pay it no attention but credit karma kept sending me all sorts of different preapprovals telling me that I was pre-approved for credit cards, personal loans, personal loans and that I can refinance my car. Every day I would see these offers every time I log in to check my credit scores, so after a few months of being told that I was preapproved. I thought I was now in the perfect place to apply. I got so many offers through credit karma, I started telling my whole family about vacations and investments. We were going to use these pre-approvals for. So I applied on or around sometime in XXXX and I got denied for XXXX credit cards credit cards and a personal loan I was distraught I was XXXX very angry and I felt deceived. I was marketed to for months, so credit karma told me that I was preapproved, this was a lie. I was severely stressed out, i was in the XXXX. I was nauseous for weeks, I had XXXX so bad I became XXXX and XXXX  skyrocket. Now every time I see preapprovals I immediately close my phone and close my computer. I stop checking my credit as frequently as I should
Complaint sub-issue: Problem with fees

Card.com decided on there own that they wanted to replace my card and charged me {$7.00} to have it replaced against my will.