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

This is XXXX XXXX and I am submitting this CFPB compalint to you today to order the Credit Bureaus to update and correct the dispute accounts and infomration that are erroneously rep [ orting on my Credit reprort! I have been sending multiple lettes requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXXXXXX XXXX  XXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following accounts : XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Account status incorrect

On XX/XX/2022 I paid my credit cards full balance of {$610.00}. I needed to pay this credit card off in order to close on the purchase of my home. 
XX/XX/2022 I received a letter from this credit card company stating I still owed this balance and stated I was late on payments and was charged late penalties. I went into the branch to ask for help and they advised me to call the number on the back of the card. 
When I did call they asked me to send them proof that the money was indeed taken from my account. I faxed them this information and I have yet to hear back from them. Every time I call they tell me I have to go into the branch to figure this out. They have me going back and forth and no one has helped. My credit is now being affected by this.
Complaint sub-issue: Public record

I 've disputed 2 public records with Equifaxfor 7 months now and they are reporting information that clearly is not correct. Each month I send a copy of the public records page of my credit report that proves that are reporting a court name that is invalid along with other information such as filing dates that DO N'T EXIST and they do nothing to assist me! Here is the information that I am disputing and I require that they remove this obviously inaccurate information : XXXX CT XXXX # 1 once again I 'm sending you proof that the balance should be {$0.00} when you are reporting this as {$26000.00} # 2 you have an non-existent date of " XX/XX/XXXX '' and I 've sent this proof 4 times already! Remove this immediately! 
# 3 You do not have a plaintiff # 4 the reference # is inaccurate # 5 the court is listed incorrectly as " XXXX '' - this must be listed accurately and correctly and this is not a court name # 6 the balance is not listed accurately XXXX XXXX CT XXXX # 1 once again I 'm sending you proof that the balance should be {$XXXX} when you are reporting this as {$43000.00} # 2 you have an non-existent date of " XX/XX/XXXX '' and I 've sent this proof 4 times already! Remove this immediately! 
# 3 You do not have a plaintiff # 4 the reference # is inaccurate # 5 the court is listed incorrectly as " XXXX '' - this must be listed accurately and correctly and this is not a court name # 6 the balance is not listed accurately XXXX XXXX XXXX shows an open date of XX/XX/XXXX Equifax shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XXXX shows 180m Equifax shows 15y and XXXX shows 10m XXXX/Equifax/XXXX show no high balance, no type, no monthly payment *This account shows that it has not been updated since XX/XX/XXXX! This means that you have not investigated this account whatsoever and that you are in violation of the FCRA! 
No payment history is listed No high balance No monthly payment
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've reached out to Equifax regarding fraudulent requests for my credit report. Ive disputed this with Equifax with my FTC Fraud Affidavit on XXXX and XX/XX/2020 and it has fail on deaf ears. I received a letter from Equifax refusal to remove the fraudulent inquiries on XX/XX/2020. 

Equifax has constantly misused its power and treat victims on ID Theft unfairly. I was part of the Equifax 's data breach and have been vastly affected by its negligence. The following fraudulent inquiries are still reporting : 1. XXXX  XXXX XX/XX/2020 2. XXXX  XXXX XXXX XX/XX/2020 & XX/XX/2020 3. XXXX XXXX XXXX XXXX ( XX/XX/2020 4.XXXX  XXXX ( XX/XX/2020 & XX/XX/2020 ) 5. XXXX XXXX  ( XX/XX/2020 ) 6. XXXX XXXX ( XX/XX/2020 )
Complaint sub-issue: Account information incorrect

I have contacted Equifax challenging the validity of dates for following accounts : XXXX acct # XXXX and XXXX XXXX XXXX XXXX acct # XXXX. 
The dates on the XXXX acct # XXXX are inaccurate. The date of last payment is inaccurate and the date of last activity is inaccurate. Missing date of closure and balance amount. 
The dates on XXXX XXXX XXXX XXXX acct # XXXX are inaccurate. The date of last activity is inaccurate, the date of last activity is inaccurate, the date of 30 days delinquency is inaccurate and date closed is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and XXXX XXXX. Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. XXXX, XXXX, XXXX, XXXX XXXX, and Equifax, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.
Complaint sub-issue: Problem with personal statement of dispute

previously distributed XXXX XXXXXXXX account date opened XX/XX/XXXX with a balance of {$4100.00}. 
results came back stating account previously and dispute not resolved reported by data furniture to the use for FCR bye XXXX  while XXXX XXXX report dispute result reported by grantor, I strongly disagree with investigation results. Capital one continues to report factually incorrectly. previously account reported payment history with XXXX as agree all the way from XX/XX/XXXX through XX/XX/XXXX with perfect payment. While the last payment report for XXXX with Equifax and XX/XX/XXXX with XXXX and XXXX. Payment history was not making no sense with what was being reported on date last payment. After I disputed account, payment history delete ok as agreed and replaced it with consecutive charge off as if it was some sort of payment method. payment history does not match what was being reported on the last payment. Account has deleted data from the last payment. This is not acceptable information can not just be deleted like nothing on credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted XXXX XXXX in XX/XX/XXXX when I noted that I was a victim of identity theft based on a hard inquiry on my credit report that I did not initiate. During this communication, they indicated that it was marked as fraud. Once it was marked as fraud they told me it would be removed from my credit report without any further action. 

Today, XX/XX/XXXX, I noted that this hard inquiry remained. I contacted XXXX  XXXX again and after speaking with a CSR, a XXXX specialist, and a supervisor, I was told that they would not be taking care of it, they marked it as fraud, and in order for me to get it removed I was required to send them a letter containing my name, address, telephone number, FULL SOCIAL SECURITY NUMBER, and a copy of my credit report. I reminded them that I was just a victim of identity theft and was not comfortable sending this amount of confidential information in writing and potentially expose my self to identity theft again. I offered to submit and online request or to send a letter without this type of confidential information. The supervisor, XXXX, informed me that there were not other options and if I wanted this corrected I would be required to send this confidential information how they requested. 

It is not appropriate to require a victim of identity theft to send this type of confidential information by main in order to rectify identity theft. This needs to be resolved internally by XXXX XXXX as promised.
Complaint sub-issue: Reporting company used your report improperly

My personal information was compromised in the Equifax breech. I am placing a 90-day credit alert, but am concerned about potential identity theft.
Complaint sub-issue: Information belongs to someone else

Hard credit inquiries not done by me. My purse was stolen and fraudsters tried to obtain credit in my name
Complaint sub-issue: Information belongs to someone else

According to my recent credit report request from XXXX, XXXX, and Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 1681 23 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on myreport that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ]  All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX ACCOUNT NUMBER # XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. 

XXXX  XXXX XXXX ACCOUNT # XXXX This account states I was 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but i was never late on this account and the creditor has agreed to remove these lates and report this account paid on time. 

XXXX/XXXX Account Number # XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. 



XXXX XXXX Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX, ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE
Complaint sub-issue: Debt is not yours

EOS CCA XXXX XXXX XXXX XXXX, MA XXXX reference # XXXX This company is trying to collect a debt from me in reference to a XXXX XXXX bill of {$190.00}. I have never used or setup a service contract with XXXX XXXX. I have come across this issue because of checking my credit report and see this listed under collection accounts.
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 Use 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, have 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 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 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: Debt was already discharged in bankruptcy and is no longer owed

I have disputed the account 4 times XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and all four times they refuse to remove this from my credit. I also called them twice to advise them that the Judge has dismissed for the following reason : 1 ) Plaintiff failed to appear for a hearing or trail of which notice was had, 2 ) Dismiss for want to Prosecution. The person didn't get her name but she told me that I just needed to wait till it drops of my credit, but in the mean time it still shows up every month on my credit. I have also Mailed them a copy of the dismissal letter dated XX/XX/XXXX and they still refuse to remove from my credit.
Complaint sub-issue: Account status incorrect

I paid mY Macys account in full XX/XX/2019 I also made my monthly payment before I paid it in full XX/XX/XXXX. I paid XXXX my account credit limit was 1,000 they decrease my limit to 300. Its paid in full and they still have not reported it to the 3 bureaus o called and they told me another department handles that and I could t speak to them. This is clear sabatoge decrease my limit then I pay them in ful they dont report it. Shows I have used 96 %. Of my credit to keep my score compromised. I want it report as paid in full on all 3 reports
Complaint sub-issue: Reporting company used your report improperly

Dates : XX/XX/2016 amounts : XXXX I reached out to lender that's still reporting information from 7 years ago. I tried reaching out to have account removed from credit file. There's also inquires showing on my credit file that needs to be remove.
Complaint sub-issue: Was not notified of investigation status or results

Company : LexisNexis XXXX LN ) Once I received my credit report from LN, I sent in my reply to the incorrect reporting of information. I received XXXX letter asking that i verify jy identity, which i returned promptly, Did not hear anything form them again. This events happened in and around XX/XX/2020. At the beginning of this year i sent in a request for my credit report. Again. I did NOT hear form them - over 3 months ago.
Complaint sub-issue: Account information incorrect

I did n't make these inquiries it must be errors.
equifax - XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX XXXX - XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

My personal information was involved in a data breach a few years ago. XXXX, XXXX.
Complaint sub-issue: Other problem

I have had a secured Discover credit card for 13 months. Despite promises to review the account after 7 months to transition to an unsecured card, my card remains secured. I have had no late payments, no high balances, no red flags anywhere. I have checked my credit report and there are no derogatory items over the last year. According to the information provided by the companys agents and website, I have met all of their criteria to obtain an unsecured card. Discovers agents tell me the process is automated, and no human can intervene. Of course this makes no sense. The company is not run by computers, it is run by humans who have a responsibility to investigate when a problem is identified. I believe Discover is running a scam by holding on to card holders security deposits for longer than is promised, thereby creating revenue for the company with funds from people recovering from financial hardship.
Complaint sub-issue: Attempted to collect wrong amount

We were on a month to month lease with XXXX XXXX XXXX XXXX ( XXXX ) & it became too expensive. They took us to court & we moved XX/XX/XXXX. The judgement for the balance owed to them is {$4900.00}. XXXX sent the account to Hunter-Warfield Collection Agency & added thousands of dollars in erroneous charges & fees. We agree that we owe the judgement amount of {$4900.00} but NOT the {$11000.00} that is currently reporting on our credit reports. I'm attaching a copy of the judgement amount which was also reconfirmed, in court, in XX/XX/XXXX. We tried to make a payment arrangement with the attorney but they said we had to deal with the collection agency who would only make an arrangement on the amount they're reporting, which is wrong.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX-XXXX pulled a hard inquiry on my credit on XX/XX/2020. I did not request new services and did not contact them at all. 2 weeks ago I cancelled services.
Complaint sub-issue: Didn't receive notice of right to dispute

XX/XX/XXXX I XXXX XXXX XXXX, in XX/XX/XXXX obtain a PAY DAY LOAN from XX/XX/XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL. XXXX ) due to hardship, I was unable to pay the loan I spoke with XXXX XXXX   several times, thet told me at that time to enroll or take a Financial Program and when I was finished with the classes to call them to let them know I completed the class. I completed the program and called them, at that time they did not ask for any re-payment. I took that this program waived the payment in some way. I did not receive any calls and I had the number they had for a while and I did not receive any mail. This month when looking at XXXX XXXX   on XXXX, I saw me in Collections for {$550.00}, I called XXXX  and was informed on XXXX, PLAZA SERVICES, had reported me. I never held of them and did not receive any mail from them, I would have received mail if it was sent to the address XXXX XXXX XXXX XXXX. I spoke with them as in my letter and they said I can not have a copy of what was sent to me. XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Confirmation # XXXX - I do not owe this account. This issue was resolved with the original creditor " XXXX '' who now has merged with XXXX  of which I have since obtained an account with not issue. 
This debt appears on my credit report with a different debt collector, and it should not be, I have disputed this debt I do not owe, and every time a new debt collector gets my information it is allowed to report it on my credit report and the dates are incorrect, they keep making the dates current regarding the alleged balance. This should not be allowed to be reported on my credit report because I do not owe. 

Confirmation # XXXX I applied for financial assistance with the original creditor regarding both of these debts and they have been written off with the original creditor. I do not owe these accounts, and these should not be on my credit report. In addition to the reporting the dates are in accurate. In correct information regarding the reporting of this alleged debt is incorrect and needs to be removed
Complaint sub-issue: Was not notified of investigation status or results

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Complaint sub-issue: Their investigation did not fix an error on your report

1. I provided the credit card company XXXX XXXX, and all 3 credit bureaus a copy of the receipt of the credit card being paid in full. The credit bureaus keeps sending me a response from the credit card company XXXX XXXX, stating, " I did not state what I 'm disputing ''. 2. Also, some credit inquiries are being reported more than 1 time. Also, I did not authorize all of the inquiries on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

File a dispute with Equifax in regards to by bankruptcy that listed an incorrect court address and date reported. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX Phone : ( XXXX ) XXXX when it actually XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX They came back claiming it verified, but have not correct the issue at hand, I sent in additional request for method of verification as well as removal. 

Not correcting date reported : It XX/XX/2017 rather than XX/XX/2017 Please see attach Equfiax Report Not from the original furnisher itself, and given past court cases in this regard has proven not be 100 % accurate.