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

I wrote to Equifax in XX/XX/XXXX indicating that there was an entry I noticed on my credit report that I needed to dispute. I told them that I attempted to do this using the company 's address listed in their credit report but that the letter came back undeliverable. I told them that in light of this erroneous information to please delete this entry from my report. My Equifax credit report dated XX/XX/XXXX shows the entry was deleted based on my letter. On XX/XX/XXXX I wrote Equifax again stating that I noticed the entry for  Portfolio Recovery was re-inserted onto my credit report but that I had not received written notification as per FCRA 611 that this information was going back onto my report. I received a response from Equifax ( case XXXX ) that they verified that the item in question belongs to me. My dispute that they should have addressed sent on XX/XX/XXXX was that Equifax re-inserted the XXXX XXXX account WITHOUT NOTIFYING ME and as a result they are required to delete the entryas they violated FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].
Complaint sub-issue: Didn't receive notice of right to dispute

I HAVE BEEN TRYIN TO FIGURE OUT WHO XXXX XXXX IS ON MY CREDIT REPORT STATING I OPEN AN ACCOUNT WITH THEM ON XXXX XXXX, 2019. FOR WHAT I WOULD LIKE FOR THIS COMPANY TO PRESENT ME WITH PAPERWORK SHOWING I HAVE A LOAN WITH THEM AND ITEMIZE EACH CHARGE ADDING TO THE TOTAL AMOUNT OF {$1300.00}
Complaint sub-issue: Was not notified of investigation status or results

I dispute 2 accounts that are was open fraudulently and Equifax not only did not send me the method of independent investigation they use, but they also still reported the account in my credits, and I send the copy of the Identity theft. The Accounts is XXXX XXXX # XXXX and XXXX XXXX # XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE TRIED NUMEROUS TIMES IN THE PAST TO CLOSE DOWN A FRADULENT CARD THAT WAS OPEN IN MY NAME BACK IN XX/XX/2010 WHEN I BECAME XXXX YEARS OLD. MY MOTHER OPENED THIS ACCOUNT FRAUDULENTLY AND LIED ABOUT ME BEING JUST A 2ND AUTHORIZED USER TO THE CARD. SHE USED MY SOCIAL AS A PRIMARY USER OF THE CARD. I HAVE TRIED NUMEROUS TIMES IN THE PAST TO GET MACYS TO REMOVED THIS. THEY HAVE FAILED TO DO SO. XXXX  WAS THE ONLY CREDIT BUREAU THAT DID THE RIGHT THING AND REMOVE THE INQUIRY. I EVEN EXPLAINED TO THEM THAT ALL THE WIRE TRANSFER PAYMENTS WERE COMING FROM MY MOTHERS BANK ACCOUNT AND 99 % PERCENT OF THE PURCHASES. THE ONE TIME I USED THE CARD I RETURNED THE MERCHANDISE BECAUSE SHE TOLD ME THAT IT WAS HER CREDIT CARD AND I THAT I WAS ONLY A 2ND AUTHORIZED USER TO THE ACCOUNT. SO IN CONCLUSION, SHE OPENED A MACYS ACCOUNT IN MY NAME WITHOUT MY CONSENT, KNOWLEDGE, OR AUTHORIZATION TO DO SO. PERIOD
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had fraud alert on my three credit reports however somebody was still able to get up to 45 inquiries on my equifax I wrote and disputed it and told them it was fraud the other agencies helped me and removed them however equifax argued with me transferred me four times and then the manager hung up on me ultimately which was discouraging
Complaint sub-issue: Account information incorrect

- XXXX - has an hard inquiry still on my credit, from XX/XX/2019 which I never had an account with this company. 
- Credit Plus - has two hard inquiries on my credit, from XX/XX/XXXX, & XX/XX/2019 and I've never had an account with this company.
Complaint sub-issue: Investigation took more than 30 days

I sent a certified dispute letter to LexisNexis, that they received XX/XX/2022. This dispute letter included copys of my Driver ID and a copy of my social security card. I received a letter from them on XX/XX/XXXX telling me they could not verify my identity. I then call LexisNexis and I was informed that letter was a mistake and they were able to start the dispute. I have not received any correspondence from them, so I call today XX/XX/2022. I get told there is nothing on file of any certified letter for a dispute. I mention I'll file a complaint with the CFPB and then the rep just so happens to find my certified dispute letter and then informs me the other forms with copys of my Driver ID and copy of my social security card are missing. The LexisNexis rep then informs me NO dispute was ever filed and that now they will since I stated I file a complaint with the CFPB. The fair credit reporting act, states they have 30days from the time a dispute is filed to investigate and reply back to the consumer. They have NOT done that. They can not just misplace copys of consumers ID numbers and social security cards. They can NOT take a certified dispute letter and hold onto it for a month and then only after getting multiple phone calls finally decide to submit that certified dispute letter to go through the process.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I applied for a Citibank XXXX XXXX account on XX/XX/2020. I spoke on a Live Chat with a representative named XXXX who told me the interest rate would not be any lower than .90 %. When I tried to fund the account on XX/XX/2020, I saw the interest rate had changed to .70 %. I spoke Citibank 's " Dedicated Account Management Team '' and I was told the interest had changed and the would not honor the guaranteed rate of .90 %. I have screenshots of my Live Chat with XXXX, the representative I spoke with on XX/XX/2020. I feel I was baited into opening an account with Citibank.
Complaint sub-issue: Debt was result of identity theft

when     XXXX   XXXX   gave the  XXXX  business to  Citi ca rd, we believe they issues a card for the wrong number or they sent the wrong card or some  one  in the company is collaborating with the criminals to create a new account under my name but a different address ( have all the documentation ). After several months citi Silently closed the account and gave it a new account number and want to make me responsible for the debt My identity is compromised due to their negligence and we have been fighting and calling to find out how it was created and who was responsible and no body dare to say any thing except promising to take care of the debt. After several months of going back and forth we received an email that states they are wiling to give us {$21000.00} credit and few weeks later they send my name to their recovery department in  XXXX   XXXX  where they could not even understand our problem and resolve the issue.
Complaint sub-issue: Problem with fees

I was looking at my Macy 's credit card statement and i saw a line item XXXX XXXX. I never requested this service or protection. I called the company and they will not cancel it. Apparently it has been in place multiple years. I need help to cancel and get the fees refunded.
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 XXXX  and Equifax to validate account ( A ). It is not permissible to fail to validate the reporting account 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 corrected : XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Information belongs to someone else

My information was stolen and fraudulently used without my knowledge or authorization to open accounts. The following accounts where not opened by me. These accounts are a result of my identity being stolen. 
XXXX  XXXX  Date Opened XX/XX/XXXX Bal {$1000.00} XXXX XXXX  Date Opened XX/XX/XXXX Bal {$0.00}.
Complaint sub-issue: Investigation took too long

A credit inquiry dated XX/XX/XXXX was made on my Equifax Report by XXXX XXXX XXXX XXXX in error. The creditor has contacted Equifax several times to remove it. The creditor sent a letter dated XX/XX/XXXX and was told it would be removed. It has not been removed. This was a soft hit made by XXXX XXXX on the same date. I have contacted Equifax and they refuse to take it off. 
It needs to be removed. Letter is attached. Make this happen it has been over XXXX months!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my Rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose,
Complaint sub-issue: Account status incorrect

I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and this item need to be deleted.
Complaint sub-issue: Information belongs to someone else

Incorrect/ fraud information Identity theft XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX   XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
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 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 Statesa consumer reporting agency can not furnish a account without my written agreement or instructions. thank you much for reviewing this matter. XXXX
Complaint sub-issue: Can't get flexible payment options

Hello, I am a 2011 graduate of XXXX XXXX University with a student loan outstanding debt of a small house in the country. The only problem with that is the outstanding amount the loan company asked me to pay every month, which I was n't able to do. It 's the equivalent to a monthly lease on an apartment. This caused me to be referred to a lawyer firm to " collect debt ''. I 'm constantly being harassed that I should settle or increase my payments. Both of which I ca n't do because I do n't make that amount of money to be able to do just yet. I 've asked to be on a lower payment plan ... denied. I 've asked what other options I have that could be worked out with me having to pay rent, eat, actually go to work to make money, etc. Nothing is really being done apart from the phrase " if you do n't increase your payments soon, there is n't much I can do. I 'm doing what I can, but clearly it is n't enough. The flip side to that is that I did n't land a job in the field that I graduated from. I 'm using what I did go to school for just a little bit. In all reality, I could 've just purchased software and used trial and error to figure this thing out. Now I 'm stuck paying this super huge amount of money back and the only thing I feel like was actually worth asking for a loan was the living expense that helped me get started in a new city as a young adult. At this point, I 'm sure I 've paid off that amount of living. 

In all reality, I do n't believe that XXXX XXXX University is worth taking out this much debt unless you already have something established prior to attending. After doing research and hearing the amount of complaints with this school and the graduation rate ... the proof is there. I have contacted other student loan help ( which worked ) concerning federal loans ( subsidized, unsubsidized ), now I would like to have my private loans reviewed to hopefully get a similar result.
Complaint sub-issue: Information belongs to someone else

On my XXXX credit report, there is a collections item from Grant & Weber, which is a collections agency from a doctor 's office by the name of XXXX XXXX. I have never seen this doctor, and have no idea what this is for. Both the collection agency and doctor 's office are unresponsive to my calls.
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Complaint sub-issue: Problem during payment process

I have had the XXXX XXXX XXXX for a year and every single payment I have made over the course of the year ( at least 15-20 payments ) have been held for 10 days and no one can give me an explanation as to why outside of sometimes the system holds payments. My issue is not that there is a hold on some payments. It is the fact that every single payment is held 10 days before my available credit is updated. I have never made a late payment nor have any of my payments come back returned. I spoke with 7 different representatives and none of them were able to offer a solution.
Complaint sub-issue: Reporting company used your report improperly

unauthorized inquiries. these need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I have been informed that I was potentially impacted by the Equifax 2017 security incident where my information may have been stolen via website vulnerabilities.
I am furious that a company that I can not limit information sharing from has handed over my most sensitive and personal information to hackers and has not protected it adequately. I 'm further outraged that this appears to impact a significant portion of the American public, not just an isolated incident! 

I demand that Equifax provide lifetime credit monitoring services without asking that I surrender my legal rights through arbitration clauses.
Complaint sub-issue: Account information incorrect

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX  - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Account information incorrect

I paid my monthly statement, but its showing as debt carrying over.
Complaint sub-issue: Card opened as result of identity theft or fraud

I previously submitted a complaint regarding this account, several times. I stated that I was a victim of identity theft. I saw in PNC 's response that I did not report the incident until XXXX XXXX. That was because I did not see the item on my credit report until then. I have been trying to dispute this ever since. There is also a statement made that my wife, XXXX XXXX verified information regarding this account, which is invalid as well, as her identity was stolen during this same time. So whomever it was that stole our identity apparently had her information as well to verify this account. Of course whoever the individuals were, they did not want to lose the account or jeopardize the account so it is quite possible there was a male and female to follow up. Nor I or my wife have ever called on this account. 

Also the statement regarding my mailing address of XXXX XXXX XXXX. Yes I lived there and obviously people who steal your identity steal your address, social security numnber and other identifying documents that try to prove they are the indvidual or individuals of the identity they have stolen. I never consented to or walked into a PNC BANK to apply for any account. I believe this application was submitted online. Unless you have my original wet signature proving that I authorized you to run my credit, and that I approved or consented to an account or physically walked into a bank, if there is one this account needs to be removed immediately. This negative account has been hindering my credit for years now, to where I can not apply for any other financial services or matters. 

Currently, your company is in violation of Section 813 Civil liability ( 15.U.S.C. 1692K ) ( a ), of the FDCPA.

Section 616. Civil liability for willful non-compliance ( 15.U.S.C 1681n ) ( a ) of the FCRA.

Section 617. Civil liability for negligent non compliance ( 15.U.S. C 1681o ) of the FCRA. 
This matter needs to be resolved or I will be contacting the FTC, my local attorney and the credit bureaus.
Complaint sub-issue: Public record

Equifax has been reporting XXXX bankruptcies that do not belong to me. I keep on disputing and these credit reporting companies responded with verify and validated which is not true. I went to XXXX Bankrupty Court in person to investigate and Spoken with Court of Clerk. She informed me it could be computer error or someone with same name but they did not verify or validate information on credit file. See attached letter from Clerk of Court
Complaint sub-issue: Debt was paid

I have called several times, I 'm trying to get a mortgage and XXXX of the credit companies show this debt as paid and XXXX does not. First lady I spoke to said she would have a letter sent out showing the debt paid. I waited a week and called back. The guy I talked to was so manipulative, trying to get me to say I did n't pay it. Then he told me he did n't know what the status was but he could n't collect the money so I repeated I do not owe you any money because you do n't have an account for me. He knows he 's being recorded so he would not say anything. Although at the beginning of the conversation he told me it shows its been paid off. All I wanted was a letter showing it was paid off, now I feel like they are going to do something and try to get more money from me. Completely unprofessional and predatory.
Complaint sub-issue: Debt is not mine

Debt was placed on my credit without my knowledge and I had never received any collection notices ( 3 as required ) before hand about the debt. I just so happened to notice it when I checked my credit one day. I asked the company to verify the debt to be mine, 100 % accurate as well true and verifiable according to reporting laws and they did not. They refused and told me they had a right to collect regardless when I contacted them.
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed on my credit report that a medical was on there XXXX, and it was the same medical. The medical was reported by XXXX XXXX for a medical service. The service was on the same day, the amount was the same, but yet they have XXXX medicals for the same debt. They have duplicate trade lines. I have asked XXXX and Equifax to remove the XXXX duplicate tradeline, both in the amount of XXXX dollars. They refuse to do so. I have worked at a credit agency ; the XXXX unpaid XXXX XXXX are the same account : open date the same, amount the same, day of delinquency the same.
Complaint sub-issue: Other problem getting your report or credit score

questions on the equifax site asked to verify my identity when completed the site tells me it can not confirm my identity. I have called them and confirmed but nothing was fixed i am under the impression that a credit card or loan was taken out in my name that i did not authorize. Is there anything that the CFPB can do for me in this case?
Complaint sub-issue: Old information reappears or never goes away

Contacted XXXX on XX/XX/XXXX regarding the inaccurate reporting of inquiries/Fradulent as I am a victim of the XXXX inquiry issue that re-reports old inquiries previously removed. Customer service rep declined to assist in removal of inquiries not submitted by me and disconnected the line without reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Account Paid in full/closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CH. XXXX BANKRUPTSY XXXX FED COURT-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX