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

Sent first dispute on XX/XX/2021 to remove unverified accounts ; got back a credit report with no information. Sent second dispute on XX/XX/2021 as a second attempt to remove unverified accounts ; got back a credit report that says " verified ''. I also had an unauthorized inquiry and I sent that for dispute and have not gotten it removed. Sent a third dispute letter to send how they verified their information on XX/XX/2021 and have not got back anything within those 45 days. Sent a second attempt and nothing. on XX/XX/2021 I sent a letter to remove accounts which they could not have method of verification and have no response nor removal. I will file a complain with FCRA, FTC and the AG of the state to have this removed and will file suit as well for non response and no removal. I've attached the dates the letters were sent out.
Complaint sub-issue: Didn't receive services that were advertised

tried to set up free monitoring with Trusted ID that is being offered due to Euifax security breech. Had a problem trying to do this online and contacted Equifax. They explained that they were having a issue with my web browser and a few others and referred me to a number for Trusted ID. Called that number and was given another number and the loop began. The final answer is that no one can or is willing to assist consumers like myself who ca n't register for this FREE service this is only needed due to a problem that Equifax created.
Complaint sub-issue: Investigation took more than 30 days

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 XXXX with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 


3. XXXX XXXX XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.
Complaint sub-issue: Not given enough info to verify debt

I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Pursuant to the Fair Debt Collection Practices act there must be a contractual agreement and they have failed to provide this. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, it have come to my attention along with multiple data breaches that their is an officer, employee, credit agencies and systematic programs of reporting agencies who are knowingly, intentionally and willingly providing unauthorized inaccurate bias information regarding an individual not of " subject '' status credit report to other parties and employers. Soley with the intent of sordid gain and to deny a particular individual/group of people credit, employment, loans, housing etc. There is a major violation in affect of the Fair Credit Reporting act which prohibits such acts and all perpetrators shall be fined under Title 18 U.S.C, imprisoned for no more than 3 years or both. All unethical treacherous dealing shall immediately be ceased. This statement further serves as demand that their be an investigation of this matter, the numerous data breaches and the due diligence to provide me the results of the investigation forthwith.
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXXE, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I sent a dispute letter to Equifax. On XX/XX/2020 I received a response from Equifax regarding the " dispute results ''. Equifax has indicated that they were unable to locate my credit file in their data base and in order to further assist me I will need to provide 2 documents from each category provided ( 1 ) driver license and ( 2 ) a Social security card which both were attached to the original dispute letter for the purpose of identity verification. Equifax has requested that the copies be " enlarge '' for legibility as their non-human E-Oscar machine does not have the clarity as rod and cone cells as in the retina to allow conscious light perception and vision, including color differentiation and the perception of depth. The human eye can distinguish about 10 million colors while Equifax 's unmanned dispute machine is of no comparison, the copies provided to Equifax with the original dispute were of standard size and made in color print for legibility, see attachments.
Complaint sub-issue: Was not notified of investigation status or results

I have been unsatisfied with the investigation result process. I have disputed with the credit bureaus with no response at from all of them. I sent out a letter XX/XX/XXXX, then XX/XX/XXXX and still have not received anything over the mail.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous times, I demand the accounts listed below be removed because I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

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

Contacted Equifax and XXXX at least 10 times already regarding this account and they came back verified. 

Here I attached Evidence this account can not be verified. This is a copy of the response I got directly XXXX XXXX XXXX. They have nothing on file and directed me to speak with XXXX XXXX. I already contacted XXXX ( XXXX XXXX XXXX ) through the CFPB who had nothing on file and already withdrew their claim to this debt and stopped all collection activity so tell me how can Equifax and XXXX verify this?. Now if neither XXXX XXXX XXXX  nor XXXX XXXX has anything to verify this claim HOW IS IT POSSIPLE EQUIFAX VERIFIED THIS ACCOUNT? THIS IS FRAUD AND I WILL BE SUEING IF THIS IS NOT REMOVED IMMEDIATELY. XXXX already deleted this account months ago. 
Check the attachments to see XXXX XXXX  withdraw claim months ago and also a letter from credit bank as well recently stating they have nothing and should contact XXXX funding since the account was sold to them. Its impossible for Equifax or XXXX to verify this account since neither company can verify when I contacted them directly. 
Remove this account right away, this is a fraudulent entry on my report and both Equifax and XXXX are breaking the law and committing repeated FCRA violations. 
These credit reporting agencies are willfully defaming and will be suing to the full extent I'm allowed for damages to my financial well being. 

XXXX XXXX XXXX XXXX is an unverifiable account and must be removed immediately.
Complaint sub-issue: Account status incorrect

This problem has been going on for years. I currently am trying to re-enroll in school and I continuously get messages saying that I have loans from XX/XX/XXXX that are in default but when I go to the website the loans say XXXX balance. I have recently looked into my credit and my account says that I made 3 late payments on 2 different student loans. My problem is that I was reports " Current '' XX/XX/XXXX but " 90-119 days late ' XX/XX/XXXX as well as " 120-149 days late '' XX/XX/XXXXand XX/XX/XXXX. Then, my record shows " No info '' XX/XX/XXXX- XX/XX/XXXX, 1 " current '' payment in XX/XX/XXXX and then back to " no info ''. I do not understand how I went from current to 90- 119 days late in a matter of 30 days, and how reporting just stopped. My student loan payments have never been late.
Complaint sub-issue: Reinserted previously deleted info

There has been a derogatory remark that has reappeared on my credit report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This process and request were taken care of by me and there is no third party involved. It's been a long time of processing and making follow-ups to EQUIFAX and the CREDITORS with regards to my request of getting the items in question to be removed from my Credit Reports . However, I have neither heard anything from both of them nor received any kind of response. Thus, concluding me to reach out to you to ask for some assistance and help. EQUIFAX hasn't complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that they should provide any documents and respond to the complainant within the given period of time allowed by the law. Otherwise, failure to comply with these should result in the removal of the items in question. Below are the inquiries I am not connected to.

1. XXXX-Date of Inquiry XX/XX/XXXX 2. XXXX-Date of Inquiry XX/XX/XXXX 3. XXXX-Date of Inquiry XX/XX/XXXX 4. XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX 5. XXXX-Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I was never late on the following accounts : XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX  XXXX  # XXXX Please provide method of verification with physical proof. As I was never late on these accounts.
Complaint sub-issue: Didn't receive advertised or promotional terms

The American Airlines AAdvantage Executive card benefits listed on their website : https : //creditcards.aa.com/citi-executive-card-american-airlines-direct/ Lists Admirals Club as a benefit of being a card member. When I tried to use the program at XXXX XXXX XXXX on XX/XX/2010 at XXXX EST. I was denied access to the Admirals Club because my flight was not on American Airlines. I have read through all the fine print on the promotion, and can not find any statement which excludes using the membership due to flight carrier selection. The main purpose of the Citi card was to utilize the Admirals Club membership. I believe the credit card promotion is predatory for advertising a membership with out fully listing all the restrictions.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, I paid off the full principal on my AES loan as it appeared in the online portal : Payment Amount : {$5000.00} Payment Date : XX/XX/XXXX Since this time, I have continued to receive email bills from AES for {$0.00} each month. When I searched the AES website for why this was happening, there was no option to payoff or finish the loan. The loan did not show a balance in the online portal. In XXXX of XXXX, five years later, AES charged me {$95.00}. I would NOT have left the loan with a {$95.00} balance if I knew that amount was still owed. I did not receive any mail notices for the bill. I received an email but it looked the same as all of the {$0.00} bills I've received for 5 years, which my email account filed to spam. I didnt know about this bill until I checked my credit score for a loan application on XX/XX/XXXX, six months later. When I logged into the AES portal, the payment history confirmed what I remembered : that I paid the full principal as it appeared in the portal. Unfortunately I do not have screenshots of this because AES has since removed my payment history from the online portal ( because I closed the loan ). 

On XX/XX/XXXX I paid this bill in order to stop the bill from damaging my credit more than it already has, even though I'm still unclear as to why this remaining balance wasn't visible in the online portal.
Complaint sub-issue: Debt is not yours

I would like to file a complaint against a collection company called IC Systems INC for adding this fraudulent account to my Experian Credit Report. I never heard of this company before and I never received anything in the mail from this company nor did I receive a phone call from this company This 3rd party collection agency is attempting to collect and allege debt from a company called IC Systems Inc in the amount of {$650.00}. IC Systems Inc. is required by the state of NC to provide a copy of the License and per their website, it does not show a copy of their company License to collect any debt in the state of North Carolina This collection company NEVER once mailed me, a consumer any information pertaining to this alleged debt. This company has violated 15 USC 1692g- Validation of debts because as a consumer I was never given a chance to ask for validation of the debt.

This collection company is also in violation of the 15 U.S. Code 1692c - Communication in connection w
ith debt collection which states " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt '' I will not contract with this company and I demand that this fraudulent account be removed off of my XXXX  Report and I would like to say they do not have my written expressed consent to having this adverse and fraudulent account report to ANY of the major credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

Equifax is reporting information on me without a permissible purpose to do so. 15 U.S.C. 1681 The congress finds that the consumer reporting agencies ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers which means they didn't have permission not did they not have permission they don't have my consent to furnish anything on me without my written instructions pursuant to 15 U.S.C 1681B it states that a consumer reporting agency MAY furnish ( doesn't man required ) in ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER can you please have Equifax provide me the document where I gave them in written form giving them permission to furnish anything on my consumer report. I've never consented to the report in the first place. Also congress states that there is a need to insure that credit reporting agencies exercise their grave responsibilities with fairness and impartiality and a respect for consumer right to PRIVACY my privacy is being violated again also because not only is Equifax a credit reporting agency they are a financial institution as well meaning they also fall under the privacy laws of the Gramm-leach Bliley act 15 U.S.C 6801-6804 Equifax is furnishing on my report non public personal information which the definition of that term is personally identifiable financial information resulting from any transaction with the consumer or any service performed so that means balances, monthly payments, missed payments, charge offs, account numbers, social security numbers etc XXXX all falls in with financial information and needs to be deleted from my consumer report al of this makes Equifax civilly liable for willful noncompliance
Complaint sub-issue: Debt is not yours

Company attempting to collect a debt not owed to them I have no legal binding contract or accounts with said company I have no idea who this company is. I have never filled for anything with this company
Complaint sub-issue: Received bad information about my loan

I believe I have Genesis loan from XXXX Colleges and would like to know if they were included in the CFPB settlement. This loan has now been transferred to another servicer XXXX XXXX XXXX XXXX XXXX 
I attended XXXX XXXX in XXXX CA.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX {$11000.00} XX/XX/XXXX Accounts do not belong to me Also please remove unauthorized inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX equifax mortgage XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX has been inaccurately reporting me as 30 days late for the month of XXXX. A XXXX XXXX representative has also stated that they would submit the code to have my account reported as affected by a FEMA declared disaster for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but they have not done this either. I have tried resolving this with them multiple times and I have gone through the XXXX  and the credit bureaus. I have already submitted a complaint here through the CFPB but new information has surfaced. I received a response from them that admits I paid on time for XXXX, see attached, however they are still reporting me as 30 days late for XXXX and they have repeatedly refused to fix this.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent certified letters to all parties on XXXX XXXX and previously before that when I finally check my credit report I noticed that they was reporting Accuracy information on my credit report that is hurting my credit. I sent this letter stating. 

I have never signed a hippa relive form authorizing them to place this on my credit report. ledge XXXX XXXX {$4100.00}. XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. The three bureaus are reporting inaccurate information the errors on my report are different from each bureau Therefore these are inaccurate and are HIPAA violations.And I want these immediately deleted. HIPAA laws protect my personal medical information from being used without my consent and you are now a where of these HIPAA violations deleted immediately.

And auto loan inaccuracy 15 U.S.C1681b ( a ) 2 law violations And still they not removed Also not to mention XXXX XXXX  amount on my credit report is inaccurate as well
Complaint sub-issue: Deposits and withdrawals

I have an account with Albert bank. They have a program to automatically withdraw funds from my normal bank account ( XXXX XXXX XXXX ) and set it aside in savings. I had to wait over a week to even be able to access the full amount of funds they withdrew from my account, their FAQ tells me this os due to the amount of time it took to make the external transfer, although my bank account certainly had had the funds removed the day the transaction was initiated. When I finally saw they had completed their end of things and that I had the funds there in my Albert savings account, I went to withdraw the money ( {$310.00} ) and the best option was to have it put onto my Albert checking account card. After withdrawing the money, both the checking account and savings account showed a {$0.00} despite saying that it would be instant in my checking account. This was yesterday. I have not been able to get a hold of anyone, as they do not offer live customer support agents to speak with. Additionally, on the phone number they offer you to call and get customer support instructions, the instructions are not accurate. There is no option that they have described on the app. They have stolen over {$300.00} from me, and have given me no form of recourse or path of resolution for this. I need that money now. I want this company to be penalized to the highest extent possible and I obviously want my money back.
Complaint sub-issue: Information belongs to someone else

I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove the following unauthorized inquiries from my Equifax credit report : 1.  XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

Us bank credit card/ sky pass promised bonus miles when I applied. And I been calling them sinceXX/XX/2018. They told me they will update the miles and they told me they not going to update my bonus miles.
Complaint sub-issue: Account status incorrect

I scheduled an auto pay with my mortgage servicer back on XX/XX/2021, and since then the payment was automatically withdrawn from my account. Without receiving any notice from the servicer, the company submits a 30 day late payment for my XXXX statement period. When I contacted the servicer, they admitted that it was a mistake and asked me to dispute with credit bureaus. After submitting the relevant information to the credit bureaus, they refused to remove the late payment with out providing any proof that I was late.
Complaint sub-issue: Investigation took too long

Disputed several accounts with credit bureaus over 60 days ago, still have yet to receive XXXX letter from them.
Complaint sub-issue: Frequent or repeated calls

I am, at present, unable to pay my revolving credit card debt and continue to pay my basic living expenses as well. I'm aware that I may owe this debt and do not intend to be reminded be Citi Bank - Best Buy Credit Card, the ( " Creditor '' ), through repeated phone calls, text message, emails and correspondence that I do owe it. Such tactics are nothing more then pressure harassment that will not be tolerated. Currently, there are no issues or specific instances to detail as the account is paid current up to XX/XX/2020, however ; I will not be making payment going forward. Therefore, this complaint is intended to preemptively stop the " Creditor '' from engaging in the harassing collection tactics mentioned above. It is respectfully requested that the " Creditor '' recognize this complaint as a formal " Cease and Desist '' from all collections efforts. Violations of this request after XX/XX/2020, will be considered a violation of this " Cease and Desist '' and will be handled as such.
Complaint sub-issue: Problem getting your free annual credit report

I have been attempting to obtain my credit report from Equifax since XX/XX/2022. 
I received a letter from Equifax dated XXXX XXXX, 2022 requesting further hard copies of ID, which I provided and sent out XXXX XXXX, 2022. I have never received my credit report. Today I tried applying again online at MyEquifax.com XXXX times receiving error messages saying, " We're experiencing issues processing your request. '' Here is the link : https : //my.equifax.com/consumer-registration/ACR/ # /system-error Furthermore, I called the Equifax help number ( XXXX XXXX literally XXXX times today and was unable to speak to an agent. The numbers I called were : XXXX XXXX XXXX It was a rambling, circular mess of automated questions that led nowhere until the service eventually just hangs up on you. 

I've had virtually identical experiences with XXXX and XXXX. 
This is outrageous.