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

On XX/XX/2021, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. For their disregard, i am having issues obtaining credit and a mortgage. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the Equifax data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, I became aware that Equifax had suffered a serious data breach some 6-8 weeks prior. I was not notified directly by Equifax, but rather became aware of the situation due to a news story on XXXX. The story referred me to a 3rd party website that was set up by Equifax, equifaxsecurity2017.com, where I could check whether or not I was affected. I did so, and did not receive a clear yes or no answer, but was instead instructed to return after XXXX to enroll in free ID protection from the service which they own. 

I now have to place a 90-day fraud alert on my credit file. I 'm currently trying to buy my first home, and am gravely concerned that Equifax 's incredible negligence will impact my ability to complete the loan process in a timely manner, and may impede my ability to even get a loan, should my stolen information be used nefariously.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Dear XXXX, XXXX, equifax I just received my investigation results. Report XXXX and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 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 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 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 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 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: Problem with fees

On XX/XX/XXXX, Citibank ( the bank who issued Sears credit card ) posted an outstanding balance of {$1200.00}, which triggered an auto debit on my checking account with XXXX XXXX XXXX. I had no outstanding balance with Sears at the time. 

Below are the dates I contacted Citibank ( XXXX ) to get a refund : XX/XX/XXXX : Spoke with XXXX, ID # XXXX. She initiated the refund process & asked me to call back on XX/XX/XXXX XX/XX/XXXX : Spoke with ID # XXXX. He confirmed that the refund was initiated on XX/XX/XXXX XX/XX/XXXX : Spoke with ID # XXXX. She confirmed a refund check was already processed on XX/XX/XXXX. She then confirmed the address & it was my old address. She updated my address, submit a stop payment & restart the refund process. She also said it may take up to 30 days to get a refund check. 

XX/XX/XXXX : Called to check the status of my refund & spoke with ID # XXXX. She asked me to check in a few days. 

XX/XX/XXXX : Spoke with ID # XXXX. She said that another request has been made on XX/XX/XXXX & I should get a refund check in 30 days. I requested to speak with a supervisor. She forwarded my call to XXXX, ID # XXXX. He confirmed that I am entitled to a refund. He also confirmed that a refund process has been initiated on XX/XX/XXXX, and that I a check should be mailed by the next billing cycle XX/XX/XXXX. 

XX/XX/XXXX : Spoke with ID # XXXX. She was unsure why I am expecting a refund. I asked to speak to XXXX, the supervisor whom I spoke with on XX/XX/XXXX. She forwarded my call to XXXX, an assistant manager with ID # XXXX. He was not very helpful. He submitted another refund request & told me that it will take 30 days ( basically, he restarted the clock ). 

It's been almost 4 months since Citibank took my money.
Complaint sub-issue: Public record information inaccurate

I would like the following information verified, and would like to know how it is verified to be accurate on my credit report. 

Bankruptcy - Discharged Chapter XXXX Reported XX/XX/2017 Reference # XXXX
Complaint sub-issue: Reporting company used your report improperly

I the consumer a natural person demand XXXX  Equifax XXXX remove all accounts from their credit report on me as the consumer immediately As the consumer I never authorize XXXX Equifax XXXX  to furnish a report on the consumer take everything off the consumer profile and report. XXXX Equifax XXXX own the consumer {$60000.00} dollars for violating my consumer as natural person pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Send me the consumer the contract that your company 's allege say that the consumer sign threw through CFPB and the consumer will file a complaint with FTC. No consent is identity theft violation under federal law. Send me check for violating my consumer rights as federal protected consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00}
Complaint sub-issue: Was not notified of investigation status or results

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am XXXX XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record
Complaint sub-issue: Investigation took more than 30 days

MY INFO WAS USED TO APPLY FOR ACCOUNTS WITHOUT ME KNOWING
Complaint sub-issue: Information belongs to someone else

THIS IS MY THIRD REQUEST TO DELETE THESE ACCOUNTS FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE NOR APPLY FOR. XXXX DELETED THE INQUIRY BUT NOT THE ACTUAL ACCOUNT. WHAT SENSE DOES THAT MAKE. THEY DO NOT BELONG TO ME XXXX XXXX CARD AND XXXX XXXX ( XXXX XXXX ) If you viewed the attached documents.. My birth certificate CLEARLY shows my correct date of birth which is XX/XX/XXXX.. That is not what 's being reported. Please be advised that this is my THIRD WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
Complaint sub-issue: Old information reappears or never goes away

There has been numerous attempts at getting the issue resolved regarding fraudulent information being on my credit report. Issues were not resolved. Items were removed from credit report and then inadvertently placed back onto the report. With some items being with other bureaus and some not. They removed XXXX XXXX Account XXXX from XXXX  and XXXX  but it still remains on Equifax credit report as closed and reporting late instead of completely removed. There is also another account also with XXXX XXXX XXXX reporting that needs to be removed from XXXX, Equifax, & XXXX. I have reached out to the bureaus and also spoken with account holders to no resolution these accounts are being very detrimental to my credit score and hindering my future business endeavors. I would like this issue to be resolved finally.
Complaint sub-issue: Account status

XXXX XXXX erroneously reported a debt to XXXX XXXX XXXX that I paid immediately in full on XXXX XXXX, 2012 when service was cancelled. I called XXXX numerous times, but kept getting referred to an automated number. XXXX also refuses to remove this inaccuracy with proof of original receipt. ;
Complaint sub-issue: Was not notified of investigation status or results

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Trouble with how payments are being handled

I have been place under XXXX XXXX without my consent. 

My loans were originally under XXXX. I made payments to them starting in XX/XX/XXXX when my 6 month deferment period after graduation had ended. I enrolled in the Income Based Repayment Plan and made payments of {$130.00} monthly. 

I then had my loans transferred to XXXX XXXX from XXXX  because I enrolled in the XXXX XXXX XXXX XXXX program. I was eligible through my employment at the XXXX XXXX  XXXX starting in XX/XX/XXXX. 

I faced problems initially when my loans were transferred because they lost my XX/XX/XXXX payment and did not recover it till XX/XX/XXXX. But this was only the beginning and is not the main issue I am concerned about. 

I made payments of {$130.00} every month on time until XX/XX/XXXX when my account was put into XXXX XXXX without my consent. I qualified for deferment when I was accepted for my masters at the XXXX XXXX XXXX. However, in NO way did I want my loans put into deferment as my interest would begin to capitalize. I am also capable of making the payments. So why would XXXX XXXX put me into deferment with no authorization or reason to believe I could not make my payment? 

I have no idea and it seems neither did the agent at XXXX XXXX I called. She said this has been happening a lot and that it should not be without an application for XXXX XXXX. She said they will send me an application in 7-10 days to get out of deferment ... Of course during this time my interest is capitalizing. 

I am very concerned about this as it seems this is a VERY common issue with this loan servicer. Please contact me as soon as you can, I would be happy to speak more about this. I know XXXX is currently undergoing an investigation over this same issue.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Other problem getting your report or credit score

When applying for a mortgage back in XX/XX/2018 or something as simple as getting our gas/electricity transferred to the new home, I am told by multiple companies that I don't exist when they use the credit report company Equifax. Companies that used XXXX  and XXXX have no issues with finding me under my social security number. I contacted Equifax and was told multiple times from multiple people that I don't exist or my number pulls someone else 's name up so they can't help me. Even after I tell them XXXX  and XXXX do not have this issue. I would like this inconvenient issue fixed. Many companies have denied me service because they use Equifax to check my credit scores and it pulls up someone else 's name under my SSN.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.
Complaint sub-issue: Reporting company used your report improperly

THE HOME DEPOT CLAIMS THAT I APPLIED FOR CREDIT FROM THEM ONLINE. I HAVE NEVER APPLIED FOR ANY CREDIT FROM THEM AT ANY GIVEN TIME. MY REPORTS HAVE A BLOCK/FREEZE ON ALL OF THEM AND I DID NOT GIVE THEM MY PERMISSION TO CHECK MY CREDIT. THE FREEZE/BLOCK HAS BEEN ON MY REPORTS FOR ABOUT 8 YEARS. I AM A VICTIM OF IDENTITY THEFT. IT STATES THAT ON MY CREDIT REPORT. IN ORDER TO CHECK MY CREDIT YOU WOULD HAVE HAD TO CALL ME FIRST. THERE IS A STATEMENT ON MY CREDIT FILE YOU MUST CALL ME BEFORE YOU CHECK MY CREDIT. I DID NOT APPLY FOR ANY CREDIT FROM YOU AT ANY GIVEN TIME. IF YOU HAD READ MY REPORTS IT STATES THAT YOU ARE TO CALL ME BEFORE YOU CHECK MY CREDIT BUT THE COMPANY DID NOT DO THIS. I NEVER RECEIVED ANY PHONE CALLS OR E-MAILS OR MAIL. I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION IS ALL OVER THE DARK WEB SO SAYS XXXX AND XXXX, THEY WERE THE ONES WHO NOTIFIED ME OF THIS FRAUD. I DID NOT APPLY FOR ANY CREDIT FROM YOU.
Complaint sub-issue: Their investigation did not fix an error on your report

I paid the debt, and received documentation confirming the debt was paid in full. but the debt has not been removed from my credit report. when i called the creditor they advised me to call the collector. when i called the collector they advised me to call the creditor.
Complaint sub-issue: Personal information

i never lived at XXXX XXXX XXXX XXXX ca XXXX never had that address ever listed in my life.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, Im filing this complaint because Equifax has caused me XXXX XXXX and XXXX. Moving forward, I will be seeking litigation for defamation of character of reported false items. Im trying to handle this matter now. Im depressed and saddened, I Demand that they be deleted ASAP or I will proceed with a civil suit for is damaging my character and Ive tried numerous of times to get the matters escalated and resolved with them directly. Ive been a victim of identity theft an account was opened in my name by XXXX XXXX. I submitted disputes In XXXX, XXXX And XXXX & I have been ignored every time. The account has been removed from XXXX on XX/XX/2022 and XXXX on XX/XX/2022. Admission is deletion especially if the other credit bureaus have remove this account from my credit report. I have provided all of the documentation to them such as an Identity theft report, copy of my ID and police report. Equifax has failed numerous of times in helping me get this matter remove. Under law 15 USC 1681 in 15 CSC 6992G, I have rights as a consumer where it protect me. I spoke to a specialist in the fraud department by the name of XXXX and she stated that the file was received but never process. This is totally unacceptable, I refused to continued to be treated in this manner. I never open an account or seek medical treatment with that company. I'm demanding help today.
Complaint sub-issue: Not given enough info to verify debt

I have loans in my name for a school I never attended, I have now incurred {$90000.00} in student loans for an XXXX XXXX XXXX at a school that I recently found out is not accredited. They intercepted both my XXXX and XXXX tax returns totaling {$10000.00} and on the XXXX they had only taken over 6 months earlier, they took XXXX % of my {$4600.00} return and only paid {$650.00} toward my loan, and they took XXXX % of my {$5100.00} loan. They have refused to send me any information on my loans and this is what they sent me in an email This is to acknowledge the receipt of your email. Please be advised that we forwarded your email to our operations department who is currently handling the account. You can also call their hotline number at XXXX for further assistance. 

Which tells me nothing .... I still have no answers and I have been chasing after this information for months now ...
Complaint sub-issue: Attempted to collect wrong amount

I have mailed dispute notice to Conns requesting verification of this account reporting on my credit report and they have yet to respond with a proper answer nor did they send proper verification and never stopped collecting according to 15 U.S.C. 1681s 2 7a.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX  is reporting 2 medical debts that are under {$500.00}
Complaint sub-issue: Didn't receive enough information to verify debt

Allegedly i owe {$920.00} to a credit card in which i never had a credit card with that line of credit. I never received correspondence from this agency that they have an closed account under my name. I found out through XXXX XXXX. The company 's name is Jefferson Capital. I sooke to a representative on XXXX XXXX.They are not abiding under the fair debt collection act, by not sending correspondence. As you jnow this further more hurts my credit, not corresponding. For I am also concerned because they are locate at XXXX XXXX XXXX, XXXX, MN. I reside in New York. I asked for debt validation to see if their proof of license can be conducted in New York. When i asked them for debt validation they did not want to proceded but explain the charges on my account.Please intervene, contact this company. Tell them to delete this from my credit report and seize all collection efforts.