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

I sent in a dispute letter to your company about some items on my credit report. 
The following accounts XXXX XXXX XXXX shows 2 missed payments and XXXX XXXX XXXX 1 missed payments and XXXX XXXX  servicing is showing late payments I sent that letter and still have not gotten any response from your company under fcra you have to remove those late payments because you Equifax didn't do your job. under usc 1681 ( a ) ( 4 ) unfair reporting of information before consulting with me the natural person is illegal. you don't have proof that the alleged transaction took place. You are furnishing unverified information based off one sided information. and your company had a conversation with the corporation without my knowledge without my permission. 

1. ) you didn't investigate my dispute letter i sent on XX/XX/2021 it has been well over 30 days 2. ) you are reporting unverified information on my consumer report without my permission and knowledge Please remove these late payments and accounts immediately or I will be sending your company a invoice of XXXX dollars for each violation under fcra 3. ) 15 U.S. Code 1666 All supporting documents will be attached to this cfpb complaint
Complaint sub-issue: Didn't receive advertised or promotional terms

We signed up for a card that have a minimum spend in the first 150 days. We met that spend requirement and the bank has not provided the {$450.00} promotion as advertised.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX  and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Public record

I get a judgement on my account who was posted on 2010 and still showing up twice with XXXX and Equifax. This need to be removed from my credit report.
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 XXXX5 USC 1681. 

Account names : XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Each of the above has violated my rights in violation of the Fair Credit Reporting Act. 

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 an 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 XXXXXXXX XXXX. 

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: Sued you without properly notifying you of lawsuit

I received court documents this morning as a result of a credit card debt with XXXX XXXX XXXX. The amount that is listed on the court documents is about {$400.00} higher than my last statement with XXXX XXXX, which puts the amount over the {$3000.00} mark. I assume this was done to cross the threshold of justifying legal action. I informed XXXX XXXX several months ago that I am getting paperwork completed with a debt consolidation company. In that conversation I asked for the contact information of where to send the paperwork to but I was told someone would contact me, in which they never did. 

This morning the papers were delivered by a very rude gentleman who proceeded to yell at my wife, as I was not home and then threw the papers on my front porch. I called the company who employees this man and was told by the owner of XXXX XXXX XXXX, XXXX, that they did not violate any collection laws and he encouraged me to submit a complaint with the CFPB and FTC because he knows that have n't done anything wrong. I cited that his employee had used intimidation tactics to communicate the debt with my wife and trespassed on my property, he then responded with, " do you have a no trespassing sign up ''. 

My debt should be no higher than {$2900.00} with XXXX XXXX XXXX and I am willing to work with them to pay off the debt.
Complaint sub-issue: You never received your bill or did not know a payment was due

Citi is saying that I was 30 days, but I was never late.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are unauthorized businesses on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

Equifax-I show that back in XXXX of 2021 2 Regions accounts was removed from my credit report. However it is back reporting I was not notified by the agency of this reinsertion and I do know they had 5 days to let me know about this reinsertion and I was never notified about it.
Complaint sub-issue: Investigation took more than 30 days

My equifax scire dropped significantly in late XXXX and the reason XXXX XXXX reports reported the change was due to a change in or use of another name on my credit file. The error was reported by Equifax and I obtain the information by reviewing XXXX XXXX   free credit file. I disputed the name XXXX XXXX because I do not use XXXX XXXX on any accounts or credit. My name is XXXX XXXX XXXX- XXXX . 
I immediate feltt this could be fraud trying to open up accounts in an alternative name using my information. I also saw an address XXXX Ill where I never lived. I disputed both and ask that they be removed. 
Next the Dispute letter was to Equifax and I listed my XXXX XXXX XXXX, GA address. 
Apps 2-3 weeks later I got a letter written to me requesting my identification. No problem But the request was sent to XXXX XXXX XXXX XXXX XXXX Ga XXXX ( note this was a XXXX home purchase where I had closed in XXXX but had not moved into the home was vacant ) The letter set in the box and as I was moving I notice it later that month And responded to the documents they requested. I didnt have a deed to verify new address do u sent closing documents I sent my military ID because I dont have GA Drivers License and I sent copy of my Socisl security number and restated my complaint and question them why they didnt respond back to XXXX XXXX because ... .the mail could have set there for weeks because I had not changed address and not moved. 
After this letter and response.i gut a letter sent to XXXX XXXX XXXX Ga address early XXXX stating they cant verify my identify nothing about my dispute. 
It is now XXXX still dont have the wrong information removal and no resolution I feel I am getting the run around and my score remains lower affecting my ability to obtain additional credit the dental work because the Equifax score is lower
Complaint sub-issue: Information belongs to someone else

On XX/XX/18 an item showed up on my credit report that had previously been removed under a different collection agency based on a burden of proof that the debt even existed which it did not. It would appear that this debt was then sold to XXXX XXXX XXXX. These practices are highly illegal. I demand that this be removed from my report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent my Identity affidavit per credit bureau policy and procedures and the have failed to investigate and remove fraudulent information from my file even with my police report
Complaint sub-issue: Problem getting your free annual credit report

At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX, CA XXXX. Your professional cooperation will be greatly appreciated. XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX  XXXX please remove any other spelling of my name. I was looking further into my file I found addresses that I never lived at.Please delete the following unknown addresses : XXXX XXXX XXXX XXXXOHXXXX XXXX XXXX XXXX XXXX OHXXXX  XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX KS,XXXX XXXX XXXX XXXX XXXX XXXXKS XXXX XXXX XXXX XXXX XXXX XXXX KSXXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXXKS,XXXX  XXXX XXXX XXXX XXXX XXXXNJ, XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX OHXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ,XXXX XXXX XXXX XXXX XXXX KSXXXX XXXXXXXX XXXX XXXX XXXXNJ,XXXX  I am looking to start my new job but my new employer is having issues with my verification due to several unknown addresses and incorrect information on my credit report!
Complaint sub-issue: Information belongs to someone else

Over the course of 30 days I have filed a dispute in regards to inaccurate and false information on my credit report. Ive attached a copy of my dispute mailed in certified to Equifax and they are still reporting these incorrect items. According to the fair credit ACT, section 609 ( a ) ( 1 ) ( A ) they are required by Federal Law to only report Accurate information and the have not done so. They have not provided me with any proof i.e. and original consumer contract with my signature on it proving that this is my account.

Further more, I would like to make a formal complaint that Ive tried calling Equifax Over 10 times this week and every single time Ive called Ive asked for a representative in the fraud dispute department wants transfer it over there when you speak to the representative and let them know that you are looking to dispute inquiries and accounts due to fraud they immediately transfer you to their survey line essentially ending the call. I believe Equifax is training their representatives to not help consumers over the phone and performing unethical practices. 

Once I finally got a hold of a representative she told me that she could not help because I did not send in my Social Security card which violates my consumer rights. So Im Making a formal CFPB complaint that you will correct Equifaxs actions. 

Below Ive written what is also included in the files uploaded, my disputes for inaccuracies on my credit report.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the fair credit reporting act XXXX  XXXX ) XXXXXXXX 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 section62 A. States I have the right to privacy.

15 U, S, C 1681 Section 64 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX XXXX is a debt collector that has failed to provide me with proof that I owe them any money. I have sent them several Debt Validation letters asking for proof that I owe them money, they have failed to provide me with any documents with my signature showing I agreed to pay them the alleged debt. Still they keep reporting this alleged debt to the three major reporting bureau 's ; XXXX XXXX, XXXX  and XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the rights 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
Complaint sub-issue: Information belongs to someone else

This third party collection agency XXXX XXXX XXXX, I have no knowledge to whom this company is nor why they have my personal information attempting to collect a debt. Since I have no knowledge of this company nor have ever heard of them, this needs to be removed from my credit report. I thank you in advance for carefully looking into this matter on my behalf to remove this creditor and this account. Also, I still see my name misspelled of my reports that I have requested to be removed. Please remove those names off of my report. Each one of them seems very suspicious that they would be on my credit report.
Complaint sub-issue: Public record information inaccurate

Discharged Chapter XXXX reported XX/XX/XXXX - I have disputed this as the record should have been removed after 7 years. It has not been removed. It is currently affecting my credit score and ability to rebuild my credit score. 

XXXX Dept of Education Balance {$7200.00} Reports 5 late  payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$4000.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$1900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$3900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$9300.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month.
Complaint sub-issue: Old information reappears or never goes away

Discover Financial Services continues to report to XXXX and XXXX an alleged debt even though XXXX reports the last payment date as XXXX XXXX, XXXX. 
No payment have been made on this account since XXXX XXXX, I did however file a complaint with the CFPB in XXXX XXXX Case number XXXX ) and Discover credited this alleged account for a portion of the credit protection program premiums I had paid. XXXX failed to honor this program and I declined their offer to credit the amount they offered. They credited it anyway and then closed the account on XXXX XXXX, XXXX. They also sent a XXXX for XXXX and I paid taxes on the alleged debt. 
No payments were made on this account since XXXX and it is well past the 7 year time period and should be removed from my credit reports. 
I sent XXXX a letter on XXXX XXXX, XXXX asking them to remove this alleged debt from my credit reports but they have declined to do so. 
Thank you for your help. 
XXXX XXXX
Complaint sub-issue: Trouble with how payments are handled

I had filed a dispute with all XXXX credit bureaus on XXXX/XXXX/2016 on Mohela for incorrectly reporting late payments when my account was in deferment. I discovered on XXXX XXXX the late payments had been removed and investigation had been closed, then on XXXX XXXX my credit report reflected the late payments had been re-inserted into my credit file. Mohela and/or all XXXX credit bureaus have 5 days to notify me of re-inserting a previously deleted item. I did not receive any such notification. Please delete these items immediately.
Complaint sub-issue: Account information incorrect

Hello, RE : Credit Bureaus Reports Issues : -Information is not corrected and explained in plain language. ( For example : Balances, old accounts listed ) -XXXX does not provide me the opportunity to " dispute online ''. 

On XXXX, 2017, I became a member through XXXX to have easy access " online '' to the 3 Credit Bureaus. I am enrolled. My purpose is to make sure my reports are accurate. 
- XXXX does not allow me to dispute " online ''. Why? I do not know. No answers about it. I sent written " disputes ''. Results " Unfinished Business ''. No corrections made. 

The 3 Bureaus do not sent explanations of what specifically was " corrected ''. It seems to me the 3 Bureaus take a generic letter of " acknowledgement letter '' and help yourself. 

Still, I see the same incorrect information listed. Then, the frustrated cycle continues. 
In particular, after the back and forth " TransUnion '' keeps listed in my report that I have a " Balance for {$25000.00} with XXXX  XXXX initial balance for a new car at that time. Also listed as REPOSSESSION. It was my " Voluntary '' Request to XXXX XXXX '' to pick up the car. I wanted to refinance the loan. No success. Which it was paid off and included in a Chapter XXXX Bankruptcy. Now, " DISCHARGED '' since X/XX/2017. 
- I asked and presented specific details to the 3 bureaus to update my balances. It seems to me the 3 bureaus are very concerned about collecting money by selling their products and in exchange they provide the customer a very poor quality work. Please advise. Thank you.
Complaint sub-issue: Investigation took more than 30 days

I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Complaint sub-issue: Called outside of 8am-9pm

I owed XXXX dollars to my previous dentist. 
They sent it to a collection agency with wrong contact information, wrong phone number and wrong address. 
afterwards as I was applying for home mortgage, the bank figured it out and gave me the collection agency phone number. 
I paid the balance in full the same day. 
After that I asked the collection agency to remove it from the credit reporting they hung up the phone on me. This is the only incident that negatively affected my credit history all my life.
Complaint sub-issue: Problem with fees

Citibank charged {$39.00} over-the-limit fee on my Citi Professional Card. The Credit Card Accountability Responsibility and Disclosure Act of 2009, card issuers can not charge this fee unless cardholders opt in to allow the issuer to approve transactions that push them over their credit limit. I had never opted in to allow Citi to approve transactions over my credit limit. I called Citi and they said it was part of the conditions in the terms and they have the permission. I then asked to opt out and asked them to decline any future transactions if there is no sufficient credit available. They said they do not have that option.
Complaint sub-issue: Public record

In XXXX XXXX I signed up for bankruptcy. Unfortunately due to financial hardship, I declined the bankruptcy option. My case was dismissed XXXX XXXX, XXXX. Equifax is currently incorrectly reporting Bankruptcy case # XXXX ( see attached bankruptcy file ). They are reporting the bankruptcy was filed in XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Being that this is my third attempt at requesting this same information and you have failed to provide any substantial information outside of a credit report in an attempt to stall the process, you now have fifteen ( 15 ) business days to reply. 

I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my items for dispute below : XXXX XXXX ACCOUNT # XXXX -EQUIFAX - ACCOUNT # XXXX These two accounts are the same exact account. After disputing the XXXX account, you then listed the same account as EQUIFAX which is double jeopardy and illegal. 

Please delete these accounts from my credit report for failure to accurately list these items. 

I started disputing these items since XX/XX/XXXX and to the current date of XX/XX/XXXX, no response or deletion for reporting inaccurate information and then listing the same account twice under two different names. I have sent a letter disputing these two items every month. So for the last 8 months no change or removal, not even a response. Just simply updated. Updated to what??? Its inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 and XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

I have written several letters in attempt to have a proper investigation performed on my behalf.I am suffering from XXXX and Iam in a severe financial hardships due to the failure of compliance on the behalf of the 3 credit bureaus.Several inaccurate items are still on my credit report after my investigation. 
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and 15 US code1681i ( 5 ) these accounts are in violation of not reporting these accounts accurate.
Complaint sub-issue: Debt was paid

XX/XX/2020 I was sent a letter stating my loans were XXXX. Also my loans were removed from my credit report last year around XXXX and was false reinserted on my report after doing so. By search of public record this company has no license or authority to do business or try to collect funds in the Territory/State of GEORGIA which I am a resident of.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A credit provider ran my credit for a home loan without my consent.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

3 unsolicited hard inquiries on my bureau. No application for credit limit increase and my credit was pulled 3 times as of XXXX XXXX 2017.