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

I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Credit Bureau has listed Tax Liens both Federal and State as well as a discharge in Bankruptcy which is clearly inaccurate and fraudulent. They have indicated that the XXXX County Recorder of Deeds as well as US Bankruptcy court have provided them with negative public record as seen on my report. I have enclosed documentation which show the credit report as well as documentation from the court system that indicate there is no reporting by them to any credit bureau. The problem is that none of the information is accurate. Equifax receives its public information into a database and then sell it to the credit bureau. THIS is a violation of the Fair Credit Reporting Act to report false information. It is also considered false information on my credit report by claiming to get information from a Court or Recorder of Deeds when it is actually obtained from a 3rd party. Multiple letters were sent to Equifax who indicate that there information has been validated and refuse to remove these items from my credit report. 
Public record : Court Name : Federal Government Date filed XX/XX/2012 Reference number : XXXX
Complaint sub-issue: Information belongs to someone else

Equifax is reporting unauthorized inquiries on my consumer report! I have called multiple times and disputed items. I do not own none of these items and I am a victim to identity theft. the unauthorized accounts are XXXX XX/XX/XXXX and XXXX Bank XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

Spoke with I C Systems on XX/XX/2020. Was sent to the management team, XXXX XXXX Employee number # XXXX. The company was unable to verify the information and existing debt. The account was placed for collection for an account that isn't mine. Nor have I lived at the address stated.
Complaint sub-issue: Card opened as result of identity theft or fraud

US Bank is reported my credit report. I have never even heard of them. Obviously someone had connected to my email, somehow " cloned '' my phone. And really who knows what else. I've noticed numerous accounts that are NOT mine. I've tried to reach out to US BANK but I just received an attitude from someone who claimed to be the only person available. And then I disconnected the call. I want the account and all the other ones that DO NOT belong to me REMOVED immediately from my credit report. This is seriously the last thing I need in my life right now. Please REMOVE this account.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Citibank Credit Card Money withdrawal from Atm machine and unauthorized transactions, with the credit card in my possession. Dispute department, did not help to recover fraudulent charges. Ended result with phone hung up on me.
Complaint sub-issue: Information belongs to someone else

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXX XXXX '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ XXXX. This authenticated record must include all tax filings ( including all XXXX 's, XXXX 's, and XXXX 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Complaint sub-issue: Debt is not yours

On XX/XX/2022 I wrote Equifax to file a formal compliant and investigation into a debt place on my credit report by XXXX account # XXXX for the amount of {$550.00}, with a balance of {$500.00}. This is not my account. Unfortunately your response has gone passed the 45 days allotted by CFPB, I have yet to receive a reply from you or any acknowledgment that an investigation has begun. Also, according to FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In my initial letter, I listed my reasons for disputing the information. I have attached my first letter. I demand that you comply with CFPB regulations and FCRA 15 U.S.C 1681i you delete those items mentioned. This may be a result of the Equifax data Breech!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Account status incorrect

I'm worrieda about my credit report, I tried to fix it with the bureaus, but they did nothing. I want my problem resolve urgently. I sent 5 letters to XXXX, XXXX  and Equifax.
Complaint sub-issue: Report provided to employer without your written authorization

I have not provided this company permission or a signed authorization form to do a hard credit pull on my report XXXX2017 or XXXX2017. I have reported this to Equifax, they did not investigate and told me to take it up with the fraud dept of the business, Well the business is a small company and there is 4 workers and a manager there, no internal fraud dept. when I called CFPB they told me that I needed to contact State Banking Auth of LA as I did. The person I spoke with stated that the DoddFrank Wall Street Reform and Consumer Protection Act has shifted some roles and responsibilities but she still was unsure why CFPB could not assit me being that this place is NOT a credit union/bank/payday lending company. But is labeled as a Consumer Finance & Loan Company.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019 around XXXX XXXX I used an ATM in XXXX XXXX  XXXX XXXX XXXX XXXX Fl.. The ATM was owned by XXXX XXXX XXXX. I put in my XXXX XXXX Master Card and requested a cash withdrawal of {$80.00}. The transaction ended with no receipt and no funds dispersed. I asked for the manager and she explained that XXXX has no affiliation with XXXX and to call them direct. The XXXX was debited from my account. 
I called XXXX and they told me only my XXXX XXXX credit card company could handle this mater or file a dispute. I called XXXX XXXX and completed their affidavit of fraud. I was given provisional credit, but almost 2 months later I received a letter indicating the dispute was rejected. While a tracking number was provided, no dispute resolution number was indicated on the letter to allow me to followup with the credit card company. I managed to get through to a Tier 2 agent after a Tier 1 agent hung up on me when I questioned why she was asking for my social security number. 

The Tier 2 agent from XXXX XXXX Master Card indicated the merchant had represented the debit and said my card was charged and told me to handle it myself as they can not do any more for me or get a video pulled.. I agree, my card was charged - but no monies were dispersed from the ATM for that debit to my card. When I did not get my monies or receipt from the ATM I called store manager promptly and followed the correct procedure. There are cameras on ATMs that could validate that no funds were dispersed and my credit card company is claiming there is nothing more they can do. This is deplorable - so XXXX  answer the monies were debited we know that but they were not dispersed. I don't have access the video to prove I'm correct, but they do and my credit card company should pursue this on my behalf instead of hanging up on me and basically telling me that this is all they can do - they did nothing. I want my {$80.00} credit back on my card. XXXX XXXX agent XXXX which I spoke to on XX/XX/2019 around XXXX XXXX  just said sorry and hung up on me. 
Videos do not lie. 

Concerned Senior Citizen for all.
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 {$0.00}, {$16000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation. Its been six months and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you
Complaint sub-issue: Personal information incorrect

Equifax Credit Report # XXXX has spelling of name as XXXX XXXX. This is incorrect. Spelling of name on Birth Certificate, Social Security Identification card, Drivers License is correctly spelled as XXXX XXXX XXXX XXXX. Use of XXXX XXXX is fraudulent representation of identity and needs to be corrected.
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and I dont understand why you put this negative information on my account. 
Im sure that someone used my personal information and applied for it
Complaint sub-issue: You told them to stop contacting you, but they keep trying

CitiBank just called me on my cellular telephone from XXXX. I have had many problems in the past with CitiBank calling me after I asked them NOT TO CALL ME, yet they continue to call me. I do not know why they call me after I have asked them not to, but I want the harassment to stop.  Please communicate in writing only do not call me if you are from CitiBank and if you do call me do not record me I am revoking my consent to be recorded.
Complaint sub-issue: Unexpected increase in interest rate

company keeps increasing the balance on the account causing my credit score to decrease, stating that interest is applied monthly, daily, and once over the course of the loan. 
ive attempted to call and ask why this happens but no-one can provide an explanation.
Complaint sub-issue: Received bad information about your loan

This is regarding the Public Service Loan Forgiveness program In XX/XX/XXXX I applied for forgiveness of my federal student loans under the Public Service Loan Forgiveness program ( PSLF ) ; however, on XX/XX/XXXX I was denied participation in the program because I had consolidated my loans. According to FedLoan Servicing, by consolidating my loans the loans are no longer considered Direct Student Loans and therefore not eligible for forgiveness under PSLF. In XX/XX/XXXX, I had consolidated my direct and XXXX XXXX XXXX loans with XXXX XXXX in order to better afford to repay my loan obligation. Since the PSLF program was not yet an option, I could not have anticipated that consolidating my loans would prevent me from participating in a program instituted at a future date. When the PSLF program was announced, I determined that I would remain employed in XXXX XXXX until I became eligible to participate in PSLF. I have now been working in XXXX XXXX for nearly 20 years, but would have made different career choices had I known that my former direct student loans were not eligible for discharge. After the FedLoan Servicing 's denial, I contacted them about next steps and was flippantly informed that it would take an act of Congress to get my loans discharged! I have kept my end of the bargain. I have traded years of service in XXXX XXXX and years on-time payments of my student loans for the promise that my loans would be forgiven in XX/XX/XXXX. Can you assist in obtaining forgiveness for my formerly direct student loans? Thank you. XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

After being a victim of identity theft I'm disputing the unknown, unauthorized accounts that's reporting on my file, and the data is currently being updated as if the fraudulent illusion was accurate. However, I'm demanding that these accounts be blocked immediately and the data reporting be stopped and removed, unless the credit reporting agencies can produce a legal certified tangible document that binds me is such signed contract, until then I'm loudly demanding that the following accounts be removed, ( # 1 ) XXXX XXXX XXXX {$1500.00}, ( # 2 )  XXXX XXXX XXXX {$130.00}, ( # 3 ) XXXX XXXX {$13000.00}, ( # 4 ) XXXX   XXXX XXXX, ( # 5 ) XXXX  XXXX  c {$350.00}
Complaint sub-issue: Was not notified of investigation status or results

Equifax is reporting the following items inaccurately and has not responded to my disputes. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX {$2500.00} not mine XXXX XXXX XXXX XXXX {$3500.00} not mine INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXY : XXXX XXXX not mine
Complaint sub-issue: Card opened as result of identity theft or fraud

I have contacted Discover credit card starting last summer of 2021. I got the erroneous and fraudulent item removed from my credit files with XXXX credit bureau. I then tried to contact XXXX and XXXX, to do the same but there was no deletion. I still contacted Discover to remove the item, letting them know I never applied for or recieve any card, that showed up on my files. I even asked the representative to send me verification of my wet ink signature or any information with my identifying marks and they never respond, either by email or regular mail. This erroneous and fraudulent information is hindering me to get a better paying job, to support my family, and be a more productive citizen of this great country.
Complaint sub-issue: Can't close your account

I've called twice asking Discover to close my Discover IT card ending in XXXX. They refuse to close the account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

X/X/2017, These charges are all fraudulent. I did not make them. They must be reversed. All " SECURITY DISPUTE ADJUSTMENT '' must be LOOKED INTO and refunded to me. <P/>XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$700.00} XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$360.00} XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$360.00} XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I sent a letters Equifax credit reporting The Credit bureaus stated Account Name : XXXX XXXX & Account # XXXX was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for a removal. They also violated my rights under 15 U.S.C. 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions I havet given these accounts written permission to furnish these accounts on my credit report
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I sent this letter t o Citibank for a  dispute that a seller and I agreed upon for the service being provided but after more than 1 month of promising valued service, there were no expected results and the seller try to take off without providing service which is a fraud and a crime. So  Citibank " claims '' to  have sent me a notification to my awareness of responding to the situation, however, I  did not receive any emails ( which I normally do receive especially in response to disputes ) ab out the updated case, so they instantly closed the case expecting my response on  XXXX / XXXX /  XXXX   and reversed the transaction to the fraud seller, therefore me losing the case an  d having to pay the Citibank to a fraud seller.
So a chat representative suggested that I send Citibank a personal typed out mail which I did. I will attach the typed out mail that I sent in the attachm  ents below. I did receive their response to my letter and it was just a repetition of " Since no reply was received by this date, the dispute was closed. '' This did not help my case whatsoever with ALL   the evidence I provided to back up my case and that I was not wrong-doing in this situation. Citibank has helped a fraud seller gain and helped me lose. There was no consideration of the evidence that I provided for Citibank to reconsider. It was not my fault that I did not receive ANY emails from them for updated disputed cases.
Please allow Citibank to acknowledge the fact that they are helping frauds who do n't provide services to get away wit  h these cases which make their system very flawed.     Thank your reading.
Complaint sub-issue: Information belongs to someone else

Im stressed and cant believe to my knowledge its been over 1200 days ago I sent letters about an investigation into items that were Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far in disregarding my disputes. AGAIN, this state is unbelievable! Equifax and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Equifax so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Equifax. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. I talked to the furnishers and they agreed to not report the accounts on my file. They became XXXX  of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE these items that caused me so much trauma. 

XXXX XXXX, XXXXXXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX
Complaint sub-issue: Problem getting my free annual report

I submitted the request for all XXXX reports at annualcreditreport.com, but when I clicked to get the first report, Equifax said there was a system error. When you click on the return button, it takes you to Equifax.com, where they offer to see you your report, but there was no way to return to annualcreditreport.com, to be able to get the other XXXX reports. I eventually tried to go back, but the system would n't bring me back to a place to request the other XXXX reports. I now have to use another method to get access to my XXXX reports, instead of the online, faster at. Very disappointing, and it seems like they want to make you purchase your reports, instead of allowing you rightful access to the free reports.
Complaint sub-issue: Account information incorrect

Equifax ; XXXX and XXXX should not be reporting a collection in the amount of {$500.00} on the XXXX XXXX XXXX original creditor XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I returned all of the equipment pursuant to the return policy of XXXX well within the time frame allowed per the service contract. There is no outstanding balance due on this account and therefore nothing to collect. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Used obscene, profane, or other abusive language

Pursuant to 15 USC 1692 G BILLING STATEMENTS DOES NOT VALIDATE A DEBT neither does a signature or contract. 

ERC failed to give me validation after the initial communication it is a individual action under this statue i had to request validation they responded with billing statements thats not validation. 

I AM NOW REQUESTING verification! I want to know who the original creditor is and the name and address of the original creditor. 

Thank you
Complaint sub-issue: Debt is not mine

I was a patient of XXXX XXXX XXXX for several years and received care on a monthly basis. We had a disagreement about the medications I wanted and they terminated me as a patient. Over the years, each month they would bill XXXX and my medical insurance and receive payment for their services. When they terminated me, somehow they decided to bill me direct. They should have billed XXXX and my medical insurance and they would have received payment. I sent them a letter informing them to bill XXXX and my medical insurance and gave them the appropriate information for this ( see attached ). 
I should n't have to pay them for a mistake they made!