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

I am filing a complaint of non-compliance against XXXX  XXXX who sent a letter to on XX/XX/XXXX and XXXX  on XX/XX/XXXX. This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached both letter I sent to XXXX and XXXX ). The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is violating my rights per the Fair Credit Reporting Act ( FCRA ) because they have not validated the debts they are reporting. I numbered some Equifax credit reports to refer to in this complaint.

1. I have sent several letters to Equifax ( six are attached to this complaint ) highlighted yellow requesting them to sent requested information ( a description of how the reinvestigation was conducted along with the business name, employee name, address, and phone number of the furnished of the disputed information, so I can follow up with them ) in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VL, Section 611, Subsection A-D. XXXX have never send me the requested information. I am requesting validation not verification. Please send validation of these debts 2. They took over 60 days to complete the investigation because they never sent out the information requested after the investigation per the FCRA.

3. Attach all information requested above to complaint to validate this alleged debt or remove erroneous account not validated on my credit report. Investigation information was not sent per my request and per the fair credit reporting act therefore these accounts can not be my accounts and must be deleted.
Complaint sub-issue: Was not notified of investigation status or results

I have contacted the bureaus about an investigation I wanted them to look into so I mailed my information into them on XX/XX/2020 and today is XX/XX/2020. To this day it has been over 60 days I understand that they have 30 to 45 days to respond to information I know is misleading and unverified but instead they just placed items on my account that I demand be removed for the simple fact that they have not responded to my request and may have seen that they in fact have no proof of these items i will be attaching to this complaint. Thank you I hope we can get this resolved quickly.
Complaint sub-issue: Was not notified of investigation status or results

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Equifax. The complaint numbers were XXXX XXXXXX/XX/XXXXXXXX, XXXX ( XXXX  ) and XXXX ( Equifax ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, XX/XX/XXXX or Equifax to resolve anything. I am also aware that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.
Complaint sub-issue: Reinserted previously deleted info

Re : Account # : XXXX, XXXX To Whom It May Concern, I disputed the referenced account above on XXXX/XXXX/XXXX. The credit report of XXXX/XXXX/XXXX shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA, as sited below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( XXXX ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause XXXX XXXX XXXX, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( XXXX ) a statement that the disputed information has been reinserted ; XXXX XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 

Sincerely, XXXX XXXX
Complaint sub-issue: Debt is not yours

XX/XX/2019 Amount {$950.00} Company XXXX XXXX  XXXX Account number XXXX Asked this company to remove this off my report since this is not mine.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX, Account Number : XXXX, has violated my rights to Privacy and Furnish a Account WITHOUT written consent. 

[ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose ( I have a Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
[ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports ( A Consumer Reporting Agency CAN NOT FURNISH a account with my written instructions ) ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They have the account listed as a joint account and I did not give permission for that joint account to be opened.
Complaint sub-issue: Debt was result of identity theft

The following account was removed from my credit report because it was proven to be the result of fraud. Now I am being contacted by the original credit, which I did not authorize to begin with, and a collection agency saying that I owe the debt and that the debt was sold to the collection agency. This is a huge violation. I have attached proof below.
Complaint sub-issue: Other problem

I have been trying to track down and/or receive a credit balance of approximately {$11000.00} resulting from a misdirected overpayment of {$15000.00}. This has been going on since XX/XX/2018.
Complaint sub-issue: Deposits and withdrawals

I have all the correct paperwork to prove what I'm saying.. people at usbank stole XXXX from my XXXX XXXX they stole refunds pretending to be the XXXX  just to get information from me.. they refuse to give me any information telling me my account is closed when they can't close my account XXXX is the one that open and closes my account
Complaint sub-issue: Didn't receive enough information to verify debt

I did not consent to authorize nor benefit from account ( s ). Block and Remove
Complaint sub-issue: Old information reappears or never goes away

My complaint against Equifax is that they consistently report my credit score as 60-80 points LOWER than the other reporting agencies. I have tried disputing incorrect information on my Equifax but they either confirm the information ( new creditor who purchased old debt that should have been deleted ) or they refuse to let me dispute the old information. Equifax 's inability to report fairly and accurately is problematic for ALL individuals. Along with their data breach, they've shown themselves to be unable to provide trustworthy service while continuing to charge creditors for their services.
Complaint sub-issue: Information belongs to someone else

In a recent self credit check I got surprise when I saw a number of accounts that don't belong to me, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. 
further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed.
Complaint sub-issue: Account status incorrect

I received the letter with your dispute results and I need to know WHY these accounts are still remaining or you are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from your company! These accounts are still reporting errors.Each one has different accounts open dates. Thats inaccurate right? How can this be?! Please explain to me how your agency has so-called verified these accounts? Im allowed to ask and youre REQUIRED to answer.

So how did you do it?!

Who did you talk to in the creditors office?

Did you send them the information about the account that I sent in?

How did you send it to them?

Did you fax it, did you mail it, did you use the same mailing address and/or telephone number listed on the credit report that I have What did you do? And furthermore, what steps did this agency take to ensure that the creditor actually investigated my dispute rather than just fraudulently telling you that its been verified?

The FCRA says that you have to tell me this within 15 days if I ask. And please do not send me any more of your generic response letters of how you use various methods. Im asking for SPECIFICS on exactly how your agency actually verified these accounts that you are erroneously reporting about me and I need the full name of the person you spoke with or who told you electronically that it was verified.

If you do not know then you need to find out and shame on you if you do not know because that would NOT be a proper investigation on your part as you are required to conduct.

Any automated response or e-Oscar verification is unacceptable. I am requesting a RE-Investigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Old information reappears or never goes away

Equifax ; XXXX and XXXX should not be reporting the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and should not be on my credit report. This false reporting is seriously harming my credit score and this line item needs 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 the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

I want to file complaint of the credit bureau delaying my request.. I have reach out to transunion equifax and experian I sent out disputes letters over a month ago and my file just being Investigated. The Inquiry that they said was verified and the account.. didnt reply back. The dispute I sent out they violated my rights 15USC 1681 604 section A,15 USC 1681 Section 602 ,15 USC 1681i they fail to send me the the description of the procedure of the investigation they ignoring my request my rights of privacy is also being ignored please please adress this matter Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Account Number : XXXX Balance : {$500.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$0.00} XXXX / XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX Account Number : XXXX Balance : {$500.00}
Complaint sub-issue: Problem with balance transfer

On XX/XX/2022, I've initiated a balance transfer of {$3000.00} from my Citi credit card to XXXX XXXX credit card. They claim that the balance transfer should take 2-4 business days to complete. On XX/XX/XXXX, the balance transfer posted on my Citi credit card account, however, today, XX/XX/XXXX, the money is still not in the XXXX XXXX account. I've called XXXX XXXX and they assured me they don't have anything incoming from Citi bank towards my account. 

Now, Citi claims that everything is correct on their end and the money was sent successfully and received by XXXX XXXX. XXXX XXXX claims that they never received the money. Each side tells me to go and talk to the other side about this without actually opening investigation or trying to resolve the issue. 

My money disappeared somewhere inbetween and nobody is doing anything to find it, but the best part is, Citi bank posted this transaction to my account- so now I'm still responsible for paying it back to them, even though I never received the money.
Complaint sub-issue: Their investigation did not fix an error on your report

I Want XXXX renders proof of my signature on a document, stating I gave them permission to sell my Bankruptcy information on to XXXX  Equifax and XXXX XXXX Credit Bureaus
Complaint sub-issue: Funds not received from closed account

On XX/XX/2022, a payment of XXXX USD was sent to a closed account. PNC has since, refused to reverse the payment, sent the incorrect amount to an incorrect address, refuses to contact about the situation in any manner that would give me record of the conversation. PNC refuses to communicate over phone call, and is not accepting any phone calls with recording. I do not consent to one party recording, and the illegal actions PNC is constantly trying to pull is extremely concerning. It has been over 2 months with all signs pointing to PNC ignoring this situation. They blatantly stole money
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX last 4 :XXXX To Whom It May Concern This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. 


This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 


Here is the account that keeps negatively being reported XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX XX/XX/XXXX Original Balance {$18000.00} {$18000.00} Current Balance {$18000.00} {$18000.00} Responsibility These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case. 





XXXX XXXX XXXX  XXXX XXXX XXXXPresident and Chief Executive Officer XXXX XXXX XXXX XXXX XXXX IL XXXX Email-XXXX XXXX XXXX Executive Vice President XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Email-XXXX XXXX XXXX XXXX XXXX  Executive Vice President Consumer Interactive XXXX XXXX XXXX XXXX XXXX Illinois XXXX I have already hired a consumer attorney to plead my case. an will be pursuing full legal action against ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 
( XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX.
Complaint sub-issue: Information belongs to someone else

Your re-investigation did not result in any changes to my credit file. I've already informed you that my report involves false and incorrect accounts, which you must immediately remove and delete.
Complaint sub-issue: Old information reappears or never goes away

In accordance with the Fair Credit Reporting Act XXXX XXXX  has failed to delete old information on my credit report. Also the information provided by XXXX XXXX  isn't 100 % correct. 

Code 15 U.S.C 1681 Sec. 602 A. States I have the right to privacy.

Code 15 U.S.C 1681 Sec. 604 A Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.