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

On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INNACCURATE, OUTDATED AND OBSOLETE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
I request to be provided proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Please be advised that I have received a computer-generated letter stating that they have ceased investigation of my credit reports because, in their opinion, they believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on their part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

Additionally there is NO law that states a consumer can not use a third party, so using that as their excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
This is a formal complaint that you are reporting inaccurate and incomplete credit information. Per Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), theymay be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under 15 U.S. Code 1692g. Validation of debts I request that this Non-Creditor validate this debt by providing proof of this alleged item.
Complaint sub-issue: Company closed your account

I applied for a secured Discover Credit card and was approved. On XX/XX/20, {$300.00} was taken out of my credit union as a security deposit for this new card. Before I received the card, Discover canceled the card and kept my {$300.00}. I have written several times to Discover and have never received any response nor return of my {$300.00} security deposit.
Complaint sub-issue: Information belongs to someone else

My signature was forged on a student loan document as a guarantor for which I had no knowledge of. When defaulted, I was not notified as lender did not have my address or any other info about me. When I discovered, I made payments, in spite of not owing, and eventually paid/satisfied the debt. Creditor has reported to credit bureaus that any disputes have been paid and resolved, yet credit bureaus have not deleted this erroneous listing from my reports, in spite of creditor 's request.
Complaint sub-issue: Reporting company used your report improperly

I have been requesting all three credit bureaus for well over a year to remove my bankruptcies as well as my student loans from being shown as public property and is ruining my credit because they are derogatories. I can't count how many times I've requested my address to be based only for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX as my only address but they refuse to remove multiple addresses located all over XXXX XXXX, XXXX  as well as an old XXXX XXXX in XXXX  XXXX., I have requested numerous times to remove XXXX XXXX XXXX  who is on bkXXXX discharged as of XX/XX/XXXX but they keep popping up on my credit report even as of this date XX/XX/XXXX; not only XXXX XXXX XXXX  but also XXXX who is on bkXXXX, XXXX XXXX XXXX who is on student loan deferment program because I am XXXX, XXXX XXXX  who been paid XX/XX/XXXX because I used them for one month pre paid service to stay in an emergency circumstance as a weekly apartment along with all their multiple collection agencies that appear as some type of holdings or securities payment through my disadvantages with them that are fraudulent $ XXXX,. XXXX XXXX XXXX absolutely refuse to be off my credit bureau and I found out they said I have some type of loan with them for a car/house or both that is false. XXXX XXXX is a fraud account I have never applied for as well I keep requesting to be moved but yet in still they are present on XXXX XXXX. I would like my bankruptcy case # XXXX  filed XX/XX/XXXX dischargedXX/XX/XXXX to be removed from public access on my credit report as well as my student loans to be removed from public access on my credit report for the amount of {$54000.00}. I have sent multiple request to remove as well as received documentation from the Bankruptcy Court District of XXXX XXXX, XXXX. stating that they do not authorize or give consent to reporting my bankruptcy on my credit report.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Account status

I had a past due balance from child support enforcement reporting to all XXXX agencies. This was paid in full in XX/XX/XXXX and updated on my credit reports in XX/XX/XXXX ( removed from both XXXX and XXXX ). I contacted the child support enforcement agency to confirm that they also sent updated information to Equifax and was advised that they did. I disputed the information to Equifax and advised that the balance is incorrect and the payment information was also incorrect. I attached a copy of my current account statement and requested investigation. Equifax advised that they investigated and found a past due balance and last payment information. Both are incorrect. I do n't believe they investigated at all. The past due balance that they claim was updated is exactly the same as it was when I filed the dispute. They are also reporting this account as a collection account. I have no collection or past due or arrears balance with child support and in fact, due to the way my order is structured, receive a refund for overpayment in the amount of {$25.00} every single month. Equifax is not correcting the information, and as I stated, I do n't believe that they investigated this at all, or they would not still be listing a collection account or at the very least would have corrected the past due balance. I have attached the same document I sent them.
Complaint sub-issue: Their investigation did not fix an error on your report

I challenged the validity of an alleged bankruptcy on my credit report with all XXXX bureaus. All XXXX bureaus verified the alleged bankruptcy as valid. I then sent a letter to the court house where the bankruptcy was housed. In the letter to the courthouse I stated that according to my report there is an alleged bankruptcy on my record from your court house. Are you subscribed to the bureaus that is reporting the information as accurate. The courthouse sent me back a letter stating they are not subscribed to the bureaus to have any information placed on my report. It was not validated through them. A follow up investigation led to the bureaus stating they verified the information through Lexis Nexis. I sent a letter, which is attached, to Lexis Nexis specifically asking for what documents they had to verify the alleged bankruptcy. I received a letter from Lexis Nexis, which is attached. The dispute statement was inaccurate. There was no information given on what procedures or documentation was used to verify the alleged bankruptcy.
Complaint sub-issue: Debt is not yours

I have been harassed by MACYS about a debt I do not owe. They have contacted me at my place of business which is out of order. They are in violation of several US Codes. In the attached Exhibits you will see MACYS is in Violation of 15 USC 1692b. ( 5 ), 15 USC 1692d. ( 2 ), 15 USC 1692b. ( 2 ), and several others. Attached you will find mailed copies from me the consumer, to MACYS stating I do not owe this debt, a cease and desist, along with Exhibits A and B, with their USC violations. There is an Invoice attached for {$8000.00} due to the criminal and civil negligence on MACYS behalf. I would like for MACYS to stop contacting me in regards to this debt that I do not owe, and pay me for the multiple violations giving to me under under 15 USC 1692
Complaint sub-issue: Trouble with how payments are being handled

I graduated in XXXX. 
In XX/XX/XXXX, I applied for Public Service Loan Forgiveness ( PSLF ) with XXXX XXXX because I have made on time, qualified payments for at least 9 years, and I have been working for qualifying employer. 
I received a letter from XXXX XXXX indicating they received my application and supporting documents. The letter also states that XXXX will contact XXXX, the prior servicer about my student loans, and my loan will transfer to XXXX servicing for evaluation, my automatic payment amount and the due date will not change. 
In XX/XX/XXXX, I received a letter from XXXX stating that my loan transferred and it included the total amount of loans and my monthly payment. I noticed my payment is increased and no mention of the status of PSLF. 
I contacted XXXX multiple times via email inquiring if I am qualified for PSLF or not, and the reason why my monthly payment was increased. XXXX never responded or explained the status my eligibility for the program. 
In XX/XX/XXXX, I contacted my general attorney to investigate and help me receive a response. 
In XX/XX/XXXX, I received a vague and misleading response from Fedloan  servicing stating that " you made XXXX qualifying payments '' because my qualifying payments were disqualified in XX/XX/XXXX and the increased monthly payment is to help me pay off my student loans in time. 
I again requested additional information of the reason why my qualified loans were disqualified in XX/XX/XXXX ( When I consolidated my loans ). XXXX responded that it was disqualified because I took a type of loan called " Parents Loans ''. However, all my loans were Sub and Unsub Direct Stafford loans. 
I then requested more information about the reason why it was concluded I made XXXX qualifying payments after I made qualified payments for at least 8 years or more. 
I also requested if I am indeed not qualified for PSLF, I have no reason to keep my loans with XXXX  XXXX. Therefore, I would like a refund of the extra monthly payments and transfer my loans back to XXXX or other servicer. No response received. 
In XX/XX/XXXX, I requested my general attorney to file a lawsuit against XXXX  XXXX for increasing my monthly payment without my authorization and for failing to transfer my loan back to XXXX after multiple attempts. 
I am waiting to hear a response from my attorney general or XXXX  XXXX.
Complaint sub-issue: Reporting company used your report improperly

I'm accordance with The Fair Credit Reporting Act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and My name is reporting incorrectly MY name is XXXX XXXX XXXX it is reporting as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and wrong addresses my address is XXXX XXXX XXXX XXXX XXXX XXXX These accounts 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. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C.1681c. ( a ) ( 5 ) Sec States, No consumer reporting agency may make any consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then 7 years.

15 U.S.C. 1681 s-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 in accurate
Complaint sub-issue: Investigation took more than 30 days

Equifax, XXXX, and XXXX  are not complying with their own policies in a timely manner they are taking longer then 30 days to investigate.
Complaint sub-issue: Reporting company used your report improperly

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

I found many accounts are not belong to me.
Complaint sub-issue: Account status

I have contaced Equifax in the past regarding XXXX accounts listed with XXXX XXXX. The XXXX accounts were reporting inaccurate information, so XXXX XXXX opted to delete the tradelines. The XXXX other credit breaus have deleted the XXXX trade lines how ever equinox will not. XXXX XXXX account # XXXX - and account number XXXX. The accounts were reporting incorrectly and XXXX XXXX agreeded to delete the XXXX tradlines. I have enclosed a copy of the letter from XXXX XXXX as proof to delete the trade lines.
Complaint sub-issue: Reporting company used your report improperly

Equifax lost or had stolen my personal financial information. I am still not sure to what degree but at least my social security number. Equifax should be shut down. They get access to all our financial data, that can make or break someone 's life, with the only stipulation being that they keep it secure. They are allowed to profit off of this information and make us pay if we want to access it more than a few times a year, but then they ca n't even keep it secure. This is ridiculous.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted XXXX various times between XX/XX/XXXX and presently. 
There are various hard inquirer 's on my credit report, and the ones listed below I don't recognize nor did I authorize any of them. I have filed disputes, and attempted to contact customer service from both the hard inquirers and XXXX themselves and each time they did not offer to resolve the problem. 

Below are the names and dates of the hard inquires I have disputed and am currently wishing to challenge as these were not authorized by me and I did not initiate any such applications or granXXXX any permission to these companies to run my credit. 

Hard Inquiries on XXXX report .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries from Equifax report .... 

XXXX XXXX XXXX Various XXXX XXXX inquires between XXXX all through XXXX showing up 5 times precisely on my report.
Complaint sub-issue: Public record

I sent Equifax a certified letter on XX/XX/XXXX, stating that i was never notify of a few bills that was on my credit report. I discovered this by pulling my credit report.I realized that the bill was mine however, I was never notify of these bills prior to them being added to my credit report. I disputed them with Equifax informing them that I was never given the proper notification from the creditor. I received a letter from the Equifax on XX/XX/XXXX it stated that we verify these items have been reported correctly. This creditor has verify to our company that the balance is being report correctly on all the XXXX XXXX accounts. I never disputed for them to verify the account or verify the balance, I disputed I was never notify of the bill.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I have filed a dispute in regards to the incorrect items on my credit report. 
It has been well over 30 days and i still haven't received any investigation results.
Complaint sub-issue: Didn't receive services that were advertised

Credit Karma Harassed me with false preapproval letters for loans, credit cards and car loans around XXXX to XXXX, give me false hope applying for the loans and credit and was puzzled and embarrassed as the inquiry 's hurt my credit and my home stressing me out for months, i lost my job, which lead to a split from my family giving me really bad XXXX
Complaint sub-issue: Threatened to sue you for very old debt

XXXX XXXX Services XXXX XXXX XXXX Americollect I have end stage XXXX XXXX and I'm XXXX. I will not be able to pay this amount.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted XXXX  XXXX regarding a credit inquiry on my equifax credit report. XXXX XXXX could not find this inquiry in there files and stated for me to dispute with the credit bureau. I disputed with the credit bureau and it keeps coming back as verified. XXXX XXXX stated they do not have a credit inquiry in there file for XX/XX/2019 for me. I want the inquiry removed immediately!
Complaint sub-issue: Was not notified of investigation status or results

I submitted the attached dispute letter to Equifax via certified mail tracking # XXXX which according to the USPS tracking website was received on XX/XX/2018. The original letter was notarized and included a copy of my TN drivers licence and social security card to verify my identity. To date I have received no notification that my dispute was acted upon and have seen zero activity on my Equifax report in regards to active investigations of my disputed items. I find this an issue being several of these same disputed items were actually investigated and corrected and/or removed from my XXXX and XXXX reports. This is important to me because this impacts my credit score and I find it disturbing that Equifax of all credit reporting agencies would completely ignore my dispute when they are responsible for a massive breach in which millions of consumers are at risk. This is absolutely unacceptable. By law Equifax must consider my request to investigate and if they can not verify that the negative item is true, accurate, and complete, then they must delete it. Equifax was supposed to have responded to my request to investigate within 30 days of receipt. This did not happen and thus I am filing complaint. The FCRA requires that if Equifax can not correct or doesn't verify within the statutory period, they must delete the disputed information.
Complaint sub-issue: Reporting company used your report improperly

Hi please take this is as a formal complaint against the credit reporting agencies and the listed companies. These companies have come together and taken upon themselves to report inaccurate information on my consumer report. They are in violation of several laws but I will name a couple in this complaint. After reviewing my consumer report I noticed accounts attached to my name that I take no responsibility for. When reaching out to these companies XXXX, XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX requiring proof of association to me they would not comply. If a company can report something on my behalf I should not only give them permission but valid documents with proof should be given to me as well. None of this has been given to me and my correspondence has been ignored. The credit reporting agencies are making money off of me but reporting invalid and false information and I demand for it to be corrected and I be compensated. The harassment and the stress this has caused is beyond out of hand. In all they all are in direct violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and 15 USC 1692 ( g ) Validation of Debts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard inquiries thats on my credit report that wasnt authorized XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Ive tried multiple time to disputed through Equifax