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

On XX/XX/XXXX, I submitted a dispute to Equifax ( along with XXXX  and XXXX   ) over a collection debt that was already paid. Here is the 10 Digiti Confirmation Number : XXXX for the dispute with Equifax. 

I have made several attempts to view the dispute status online and am unable view it. Their system is unable to provide me with access to the dispute center so I can view the status of my dispute. I believe their front-web programming team needs to investigate the techical glitches with their website. 

On two occassions, when I was able to access the Dispute Center and went through their verification process, the information Equifax used was not relevant to me. Since the information was not relevant to me, I was unable to access the online Dispute Center. Please make sure they are mixing my information up with my uncle that has the same name ( his middle name has the same initial but, is different from mine ) as I do. My uncle, XXXX XXXX XXXX, age XXXX, lives on XXXX XXXX XXXX, XXXX, Massachusetts. XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The people that are run the Best Buy credit card refused to send me an item I statement they won't send me one via email and they refused to send me 1 through the know I have tried on 4 separate occasions to no success I have not been using my card but my balance keeps going up. And they refused to send me any documentation
Complaint sub-issue: Information belongs to someone else

I had my credit ran today XX/XX/20 to see if I pre-qualified for a home loan however, when my report came back I was told I wouldnt qualify for a home loan due to some accounts in negative standing appearing on my credit report. I wasn't aware that there were accounts in negative standing on my credit so I looked over my report and there were two accounts from XXXX XXXX XXXX XXXX and one from XXXX  XXXX XXXX that are not mine. I have no idea who these accounts belong to or why they're on my credit but I never allowed anyone to use my personal information such as my name, social security number, DOB or address. I did not receive anything from these accounts being open in my name and I did not make any payments towards these accounts. I do not have any written/verbal contract with those companies and I never gave them access to my credit information. I have already filed a police report as well as a complaint with the CFPB regarding these suspicious accounts.
Complaint sub-issue: Information belongs to someone else

Im not sure who furnished incorrect information to these companies I see on my consumer report!! I never willingly entered into a consumer credit transaction with any of these companies!! I Know this is A direct VIOLATION OF MY CONSUMER RIGHTS. These companies are using false, deceptive practices as well as illegal collection activities pursuant to FCRA. 

This is in FACT AGGRAVATED IDENTITY THEFT PURSUANT TO 18 USC 1028A. ANY AND ALL INFORMATION FURNISHED TO THE CREDIT REPORTING AGENCIES RESULTING FROM IDENTITY THEFT MUST BE BLOCKED & DELETED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681 C-2.

IDENTITY THEFT REPORT WAS FILED AND ATTACHED AS WELL!!!!
Complaint sub-issue: Problem using a debit or ATM card

I asked for a refund for online exams purchased XX/XX/XXXX, totally in the amount fo XXXX , from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. The merchant emailed me with approval of the refund. I never received the refund in my PNC virtual wallet account. On XX/XX/XXXX I contacted the merchant via email with no response. On XX/XX/XXXX I sent another email to the merchant followed up with a phone call wherein the merchant denied having the funds of XXXX $ since having " process the refund request on XX/XX/XXXX ''. After waiting to deal with the merchant directly I was out of the 60 day window period that obligates PNC to deal with a transaction dispute. I filed an out of window dispute request with PNC anyway wherein PNC did not look over my case and simply said they would not approve the dispute because it was past the 60 day window. I filed this out of window request because it is out of window- there should be more consideration and reasoning as to deny the request than stating that it is out of the 60 day window. I do not believe PNC fulfilled its obligation to not facilitate fraud by allowing the merchant to fraudulently keep my XXXX $ via not looking at my case.
Complaint sub-issue: Information belongs to someone else

I was notified back XX/XX/2017 that XXXX XXXX was fraudulently opened in my name and reporting to my credit reports. I am a victim of Identity Theft and immediately put a fraud dispute in with a copy of my identity theft police report with all 3 credit bureaus '. Equifax is the only bureau that has yet to remove XXXX XXXX from my credit report due to fraud. According to Equifax, XXXX XXXX is verifying an account with my name, address, DOB and last 4 of SS. That is all information that could be used when one is a victim of Identity Theft. XXXX XXXX has been notified that this account is due to fraud and was never authorized by me to be opened. XXXX  XXXX has failed to provide a contract with my SIGNED signature showing proof that I am the one that authorized this account to be opened. I have an open BBB complaint against Equifax and against XXXX XXXX. I have also filed a CFPB complaint against Equifax. I have sent another copy of my Identity Theft police report certified mail to XXXX XXXX along with a 609 letter. XXXX XXXX is inaccurately reporting a fraudulent account to my credit file & because of this inaccurate information, I have been denied credit for a home as well as other credit that I'm trying to obtain. This account needs to be removed from my Equifax report immediately due to me not authorizing the account to ever be opened and it was done as a result of me being a victim of Identity Theft. XXXX XXXX is providing verification to Equifax that an account does exist using my name, address and DOB. However anyone can easily access that information on the internet and or phonebook. By law to validate this debt is actually mine, XXXX XXXX needs to provide an original contract with a signed signature by me. For the last 6 months, XXXX XXXX hasn't been able to provide an original contract with my SIGNED signature, therefore XXXX XXXX   is in violation of FCRA section 609 ( a ) ( 1 ) ( A ). XXXX XXXX needs to immediately remove this fraudulent account from my Equifax credit report or I will pursue all legal matters if necessary to enforce my rights under the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

My XXXX  case number is # XXXX. When my credit report was pulled I had two reports from the Dept. of Education that showed up on the mortgage department 's derogatory statement. They mortgage company agent instructed me to send the document to them and XXXX  showing that the loan was paid in full and not just a closed account which may lower my score if seen as a derogatory report. I immediately sent a dispute online to XXXX  and uploaded the letter from the Dept. of Education to make sure it was seen and categorized as two positive reports. Instead of reading the document and verifying that they were placed as positive credit reports XXXX  deleted them from my report lowering my credit score. I was working hard on my credit score to close on my first house using my VA Loan and now that has been jeopardized. When I contacted XXXX  to Monday XX/XX/20 at approximately XXXX they instructed me that they understood my situation and to request that the Dept. of Education submit an re-insertment form so they could correct the error. When asked could I speak to a supervisor I was told that one was not available for 3 hours. I called both agencies twice until a specialist from the Dept. of Education explained to me that it was a serious violation of the fair credit act and I should report XXXX  because it was their error and they should have went to their data base and corrected the error by reinserting the paid in full reports themselves, This matter is seriously effecting my chances of getting the house that I and my wife worked so hard for. I only ask that they put back my credit history in the proper category and restore my credit score. My contact number is XXXX XXXX XXXX XXXX XXXX and I hope this could be rectified as soon as possible.
Complaint sub-issue: Information belongs to someone else

Please investigate and delete the following account that do not belong to me : XXXX XXXX XXXX account XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX 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 XXXX, and I'm including it again. XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

I have faxed emailed and had a telephone conversation with the Equifax Fraud department since I was a victim of the security breach and a victim of identity fact. Unfortunately each time since XX/XX/2018 Equifax refuses to block the fraudulent items after I have sent identity theft.gov police report and basically every piece of information theyve asked for. Equifax being the cause of my personal security being breached should have accountability and hold accountability to blocking fraudulent items and they refused to.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/19 I have attempted to obtain information from Kohn Law Firm about the nature of a debt that they claim I owe. I have asked for an itemized description of the debt and how they calculated the amount that I allegedly owe. The alleged debt is past the statue of limitations, yet they claim they are still charging interest on the debt. Kohn Law firm claims that they have no obligation to provide a written explanation that itemizes what I allegedly owe. The amount owed is allegedly $ XXXX.The original creditor is XXXX and the Creditor listed is XXXX XXXX , XXXX. 

Kohn Law Firm XXXX XXXX. XXXX XXXX, XXXX . XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX is using another company to try to collect money for a bill that was paid. This has been going on for three years. this has been sent to regulators and the XXXX XXXX and XXXX XXXX XXXX  has not been successful. This harassment should have already reached the statue of limitations.
Complaint sub-issue: Debt is not yours

In XX/XX/2020 I ordered XXXX XXXX XXXX for my home in XXXX XXXX, IN. The initial service installer was professional and did a good job. Over the next few months, I enjoyed good TV service. 
Then the weather changed and that is when I started to have several service interruptions every week. This was very disruptive and was not what I ordered or expected. 
I contacted the customer service department and discussed the issue. They then sent out a second service installer to relocate the XXXX antenna to another location on my property. 
This did not fix the problem, and I called again to cancel my XXXX service. I told their representative that I would wrap up their equipment and leave it on my front poach. 
Several days later I noticed that the XXXX antenna and the equipment package was gone, and I did not think anything else was needed. I paid for each month I received service. 
Last month I ordered a credit report from XXXX, only to find out that my XXXX score had dropped XXXX points to XXXX due to an erroneous collection account by XXXX and Allied Interstate Collections. I deny this collection effort due to the breach of service that I originally thought I was going to get. When I contacted Allied, they said I was being charged for not returning the XXXX equipment and also for an early cancelation fee. I never agreed to pay a cancellation fee for their inadequate service. 
My Attorney told me that I had received a significant harm to my good credit and that I needed to file a dispute.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

I owned a XXXX XXXX XXXX XXXX leased vehicle. A few months before the end of the lease, I received an email from Audi Financial stating that my lease is approaching and I might be eligible for a waiver. To make sure that the email is legit I discussed with the dealer and was assured that I won't be liable for the remaining payments if I exchange the car. Therefore, I agreed to verbal terms and exchange my existing car with a newer model because the XXXX XXXX had safety issues and XXXX wasn't able to fix it. 
Through the lease term, I reported many issues that the car XXXX was faulty which caused the rearview camera to go black and the safety sensors of the car did not work. Because of that, the rear tailgate light broke while backing up. 
On XX/XX/XXXX I leased an XXXX XXXX XXXX from XXXX XXXX of XXXX. They delivered the car to my residence and took the XXXX XXXX. Around XX/XX/XXXX I received a final bill from Audi financial. The statement was dated XX/XX/XXXX. Upon reviewing the bill I contacted Audi financial immediately to discuss the matter. The gentlemen told me that they might be received a check from the dealership and advised me to contact the dealer to follow up. I followed the advice and contacted the dealer who also advised me to deal with the Audi financial. 
On XX/XX/XXXX I contacted Audi financial again and discussed the matter with XXXX Id # XXXX. Going over and over XXXX advised dealing with the dealership. She also offered a settlement of {$700.00} which I believe is ridiculous during the current COVID lockdown when almost every barely meeting income need to be current on the financial obligations. And when I brought this up to her she did not care. Indeed XXXX advised me to discuss the matter with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Following XXXX 's advice, I called the number and reached out to Audi Financial. This time XXXX told me the thing and advised me to contact the dealer. So after taking advice by contacting the dealer I found out that nobody is available to talk except the operator who will get the detail and call back. As a victim in this situation, I feel like this communication will be never-ending and they are bouncing me like a ball. Therefore I am taking all necessary action to resolve this matter.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

on XX/XX/2022 i was notified by XXXX XXXX that there has been a change to my credit score. i logged into the app to see my score being dropped by XXXX XXXX and being sent to collections because i missed a payment for my best buy credit card. i was confused because i didnt receive any emails or letters notifying me of this before XX/XX/XXXX. Even after the fact that it was sent to collections i still havent received anything. Its been a really tough year for me battling with XXXX XXXX XXXX XXXX. i admit i did miss a payment but i shouldnt be punished this bad for missing. since ive been paying on time previously. Since the situation ive been paying towards that credit card again.
Complaint sub-issue: Reporting company used your report improperly

XXXX, Equifax & XXXX are are responsible for the following violations for reporting late payments to the accounts below. 


XXXX XXXX Currently on-time 2 Missed XXXX XXXX XXXX Currently on-time 1 Missed XXXX XXXXXXXX Currently on-time 1 Missed 1681b - Permissible purpose of consumer reports : ( a ) IN GENERAL Subject to subsection { c } any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my report? Furthermore, The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), The term Consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.
Complaint sub-issue: Frequent or repeated calls

I have repeatedly been harassed by this company and wish to cease all further contact. 
They are constantly calling my phone at inconvenient times which is a clear violation of the FTC and Consumer Financial Protection Bureau.
Complaint sub-issue: Banking errors

funds were taken from my savings account, notify the bank, after a poor investigation they said the transaction was legit, I asked for the video and they told me I need to do a police report which I did, the sheriff in charge of the investigation did subpoena the bank and they never respond, I did not get the money of the transaction in dispute back on my account
Complaint sub-issue: Was not notified of investigation status or results

I have reported this issue to the credit bureaus by sending certified letters to each credit bureau. My attorney has sent documents and second notices to the credit bureaus and no response from either credit bureau. It has been longer than 60 days no response. my attorney has been working to resolve this issue but has been unsuccessful. The credit bureaus falsely updating information without investigating
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My credit score dropped 89 points after paying a credit card balance down from 95 percent usage to 7 percent usage and nothing negative added and all open accounts paid on time for over a year. Even people on the phone from Equifax can't explain it and say they can't fix it. Should have went to XXXX at the least not drop to XXXX and ruin my loan chance this coming week.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Having problems with customer service

I have experienced so many problems dealing with Great Lakes XXXX. I lost my job in XXXX, 2016. I informed Great Lakes regarding my situation, and I have requested a forbearance for a year, and I was approved. Fast forward to XXXX, 2016. I landed a job in XXXX, 2016. But, I was making much less. I informed Great Lakes, and said that I could start making payments. I completed my Income Based Repayment form, took a picture, submitted documents using the Great Lakes app. I have n't heard from them, I called them the first week of XXXX, 2016 ; no one processed my application. I submitted my offer letter along with the application, uploaded to the Forms section of Great Lakes website. I called back, and was told that they could n't accept my offer letter, they needed my paystub. I submitted that. When I called again, they decided to process my paperwork. Then, I filed a complaint with Great Lakes. They failed to reached out to me. They told me that I would pay {$76.00} at the end of XXXX, 2016. I paid the {$5.00} that they requested on XXXX XXXX, 2016. They lied and told me that they would deliver my pay schedule to me. Here it is almost two weeks later, and I contacted them today, ( Monday, XXXX XXXX, 2016 ), they said that they have n't processed my request, and I have to pay {$200.00}. Why must I do that, when I requested a forbearance. I told them that I was done with them and their running around. I informed them that I will contact Department of Education, my Congressperson, XXXX, and the Consumer Financial Protection Bureau.I have all of my emails from Great Lakes, and my response to them to provide to you as backup upon your request. 

Thank you, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Recently my identity was used to obtain fraudulent account and credit cards. A large amount of my information was exposed in recent data breaches. This resulted in fraudulent account listed on my credit report
Complaint sub-issue: Information belongs to someone else

There are several inquiries on my Equifax credit report that I did not authorize.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent of a dispute letter on XXXX stating how these companies are in violation of my consumer rights under the FCRA 15 usc 1681. This was an infringement of privacy nor did i give consent for any of this information to be furnished.
Complaint sub-issue: Account information incorrect

I have called the company numerous times. The account was paid in full in XX/XX/XXXX. The account was not established with a credit line. The information reporting is incorrect. The company refuses to update the information to show the XXXX balance. Therefore, it is still reporting as an open account and fully utilized credit. This is incorrect information and affecting my credit scores. Show as follows on my credit report : XXXX XXXX XXXX XX/XX/XXXX - 104 % Balance : {$1400.00} / {$1400.00} Overview You 're currently using 104 % of your account 's limit. Balance {$1400.00} Credit limit {$1400.00} Minimum monthly payment {$42.00} Opened XX/XX/XXXX ( 6 mos ) Payment History Youve made 100 % of payments for this account on time. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Charge Account Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0 See an error? You could dispute an error with Equifax. GO TO EQUIFAX Creditor Information XXXX XXXX