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

I have sent several letters to Equifax about a negative report that is showing up in my credit profile. I am not going to allow Equifax to continue to violate my rights under law 15 USCa ( 2 ) ( b ).
Complaint sub-issue: Reporting company used your report improperly

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Complaint sub-issue: Information is missing that should be on the report

XXXX  XXXX credit card company. Failed to report my correct balance in the month of XX/XX/2020. 
The company failed to update my information, and only updated my negative payment instead reporting both positive and negative payment history. 

The company failed to respond to XXXX  and XXXX  request for the positive information, causing XXXX to remove all 2 of my credit cards completely from my credit report, dropping my score by 14 points, and denying me for a auto loan from different banks. 

This practice is wrong to do this to customers.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX - Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX - Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX XXXX Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX  XXXX - Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX XXXX Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX -Inquiry XX/XX/XXXX ( not authrozied TO BE REMOVED FROM EQUIFAX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$2100.00}, {$5500.00}, {$2200.00}, {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity, I believe it was reporting in error. Here are the list of accounts that I want to correct as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

Sent notice offering option to pay online. Input all information but site would not accept payment. Tried XXXX times with different credit cards but still would not work. All info in website states enter " Credit Card '' type of " Credit Card ''. When I finally called and got a live person I was told that they only accept debit cards or checks for this client. I have wasted hours going in circles to find out that the company IC System , Inc. in XXXX XXXX, MN XXXX intentionally wastes peoples time by not giving accurate information. The DO NOT state anywhere that you can only use a debit card or check to pay them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # s : XXXX, XXXX, 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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

The below inquires made using my social security number and personal information were fraudulently created. One resulted going into collections, ( damaging my XXXX XXXX and file ) with XXXX for an XXXX account I never applied for or authorized. I have filed a police report acknowledgment but unable to obtain a full and detailed police report from the XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX, NJ XXXX. XXXX XXXX informed me the following : " I advised Mr XXXX, that in order to further investigate this incident I would need to obtain subpoenas from the XXXX XXXX XXXX XXXX to be served upon the various entities. The final report will not be released by our records bureau until the conclusion of this investigation. This investigation will not be complete until I have received the documents requested in the subpoenas and any leads pursued. Just a heads up, the report that our records bureau will provide you with will not include any officers narrative portion. There won't be much more information in this report than the form that I have already provided you with. In order to obtain the entire report I believe you will have to file for discovery, but our records bureau will be able to further advise you on that. I will keep you updated on the status of this investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Ext. XXXX XXXX I did not authorize or apply for credit with the below creditors. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

The debit is from prior to XX/XX/XXXX. XXXX XXXX from XXXX XXXX XXXX, who is collecting on behalf of The Bureaus, disputed this with me so I requested documentation proving the age of the debt. The only thing they provided was a old credit card statement from XX/XX/XXXX that shows a prior balance and interest owed. 

I called XXXX back to tell him the document has no proof of date of purchase, he replied " I know but that's the only documentation we have ''. I went on to remind him that the debt is greater than 7 years old and he said he knew that and said he told that to The Bureaus. I told him this needs to be removed from my credit, he said XXXX XXXX XXXX can't do that I needed to contact The Bureaus and gave me the phone number. He went on to say he would note in my account again that this item is in dispute due to statute of limitation being expired. 

I tried calling The Bureaus but I can never get a person because their phone lines are always full. Instead, I get a voicemail to leave my name and number for them to call back, but they never call back. 

I find it interesting that these companies can negatively impact a person 's credit but don't have to take any action to correct it in a timely manner once proven wrong. We, the individuals impacted, have spend hours trying to find someone to talk to only to get no where because no one mandates them to follow the law. 

In this case, The Bureaus bought the old debt from XXXX XXXX ( who already sent me a letter stating that the debt was too old to collect and therefore being removed from my credit ). The Bureau then hired XXXX XXXX XXXX to collect on their behalf but they can't do anything to solve issues so back to The Bureaus I must go. This is a broken cycle of voice prompts, nasty - disrespectful individuals, unethical companies and no resolution to something that impacts ones entire life.
Complaint sub-issue: Don't want a card provided by your employer or the government

I received an unsolicited prepaid debit VISA Reliacard in the mail XX/XX/XXXX from US Bank. I did NOT activate the card. I tried calling US Bank to cancel the card but havent been able to reach an agent. The card has my name ( without middle initial ) and was mailed to my current address. 
Searching online revealed that there is fraudulent activity going on with these Reliacards that are being used for unemployment payments in Colorado. I dont and never have lived in Colorado. The only time I was on unemployment was in XXXX. 
I received an early retirement package from a large company in XXXX and now I am a XXXX  XXXX  XXXX. I recently worked for the XXXX XXXX XXXX but no longer work there. 
There was fraud on two of my XXXX  account debit cards in the past year. Both cards were issued to my husband and were activated but never used. Both were cancelled after working with the bank ( not US Bank ) to clear the fraudulent charges.
Complaint sub-issue: Investigation took too long

I have been trying to get my the results of my credit investigations from Equifax since early XXXX. I have written several follow-up letters, and filed complaints, but I still have n't receiveced it. I just do n't understand why Equifax can not or will not send me the results of my credit investgations.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown items on my credit report. Embarking on 90 days later I have not received one word about the letters I have sent about my credit. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 90 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Old information reappears or never goes away

There is collection reporting on my credit report that i have no knowledge of. Also this account was once removed and now its reappearing. Please remove from credit report as soon as possible.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

XXXX, 2020, my US Bank credit card debt totaling {$11000.00} disappeared from my online banking dashboard. At the time I believed I had a payment plan in place when in fact I did not. I was never notified in writing through the mail or electronically as to this status. About a year later I found out about it through a credit check. I contacted US Bank Collections and scheduled a payment plan to which they were unwilling to provide me any documentation for. I needed that documentation to resolve this issue with another agency. The lack of transparency and communication is predatory and harmful to the consumer.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Complaint sub-issue: Information belongs to someone else

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$35.00} ; XXXX SELF-REPORTED XXXX Balance : {$20.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

XX/XX/2021 To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. It seems that a new account not belonging to me is appearing every few days. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/XXXX demanding verification of accuracy of the accounts and these companies only sent back letters saying it is verified but NEVER sent back any files that actually verified the accuracy.
Complaint sub-issue: Account status incorrect

To whom it may concern This is in regards to XXXX the who will be known as the " original creditor ''. These accounts a riddled with error and mistakes. Keep in mind that these account come from the same original creditor there are several mistake you will see in the documents that i have attached to this complaint Some of the errors or reporting an account with two different loan numbers that originally have two different loan amounts. Reporting no balance when this is one and reporting a {$0.00} balance when there isn't one. Also the High balance is incorrect with All three credit bureaus reporting different amount. Lastly i am apart of a Class Action Law Suite where XXXX has pushed me into a bad loan repayment program and as a result of the pandemic i was unable to maintain payments. 


With all three bureaus reporting different information for the balance, high balance and Account Numbers, I am unsure of which is correct. 

These reports appear to have been generated by the same lender so why is the data reporting inaccurate? As the governing credit bureau it is your responsibility to report consistent and most importantly accurate information.You as the governing bureau have failed to report correct data for other lenders/potential lenders to view and determine me as credit worthy. Our minority based business for XXXX women has taken a hit and funding based on my credit has been greatly hindered because of the inaccuracies, inconsistencies and incorrect data on my report generated by the credit bureaus. 

Despite several written requests, the unverified items of XXXX still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 



Please DELETE and REMOVE these erroneous items off of my report immediately. 

Attached you will find a highlighted copy of the above referenced information. 

Thank you
Complaint sub-issue: Account information incorrect

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX - CARD SERVICE XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

US DEPT ED is currently in violation of many of my FCRA & FDCPA rights!

they are currently reporting inaccuracies to my consumer credit report ruining my reputation to have access to credit. The are reporting a violated account with many inaccuracies & violations pass the statue of 7 years which is also a violation. I will proceed with legal action
Complaint sub-issue: Account status incorrect

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. Equifax and XXXX  should also not be reporting that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted both XXXX XXXX and XXXX XXXX, as well as the bureaus to remove these lates however, I have not been successful.
Complaint sub-issue: Deposits and withdrawals

The ONLY way Im able to access PPP funds is to link my PNC account to my XXXX  account I keep getting the same error that XXXX  wont let me connect to PNC due to whatever security block you have Ive tried manually linking my accounts and it doesnt work either PLEASE explain how Im supposed to be able to get my PPP loan money from XXXX  to you so I can access it.
Complaint sub-issue: Debt is not mine

XXXX said I owed XXXX to their company for services. I have never had XXXX XXXX.. I had this account removed from my credit bureau. They have since sold the account two other times to different collection companies who in turn keep putting this as a collection account on my credit reports
Complaint sub-issue: Public record

There is a Federal tax lien still showing on my report that was withdrawn XX/XX/2015. On two occasions I have disputed this with Equifax , providing a copy of the IRS lien withdrawal form ( which I will also attach here for you ). I have also verified with the county that the lien withdrawal has been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal. The other CRAs ( XXXX and XXXX ) removed the lien from my credit report immediately.
Complaint sub-issue: Old information reappears or never goes away

I previously filed a complaint against Equifax in regards to student loans that I have being serviced by XXXX XXXX XXXX. The issue was addressed and the accounts were corrected accordingly. 2 of the loan sequences, which are private loans under the name XXXX XXXX, were corrected and now they are reporting inaccurate information again in regards to late payments. I 'm very upset about these changes and this is seriously affecting my credit score. I have included screenshots of the corrected reporting that was displayed on XX/XX/XXXX and the incorrect reporting that is now displayed on my Equifax consumer report last reported on XX/XX/XXXX. My student loan accounts with XXXX XXXX should be reporting 0 late payments as of today XX/XX/XXXX.
Complaint sub-issue: Old information reappears or never goes away

In XX/XX/2017 home depot ( citibank ) sent me a bill for under 100 to the wrong address. I did not get the bill. Have always paid bills on time. I went in person and talked with them and the person in charge of billing..paid the account and closed it. I was assured at that time ( payment only 2 months late ) that they would not report this as a negative to my name, as I was concerned with this. I have a great payment record. I don't need credit now but do not like this on my XXXX report as a " possible negative ''.