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

Results from the investigation were neither logged, rendered, nor provided to XXXX, in 30 days and or til date, despite XXXX repeated requests. Second, XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX. Hence, Equifax again went silent.
Complaint sub-issue: Billing dispute for services

my credit report shows a debt in collections from a XXXX. A payday loan that i never applied for, nor recieved any money from. This is a known payday loan scam ( tribal ). The amount is for {$800.00} and shows as a negative collection on all of my credit reports. I have contacted the original debtor, whom offered no assistance, unless i gave them my privite social security number to look up the original loan details, which i refused to provide. XXXX telephone agent could not look up any details of loan and instructed me to reply with inquiry to the following email. 

XXXX upon investigating, i have. discovered that this is a known company & scam. Please accept my report/claim, and assist me in getting this fruadulent loan removed from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Billing dispute for services

My first progress is checked daily to make sure I continue building my credit and don't miss payments. I didn't owe for the month of XXXX and I now owe XXXX which is accurate for XXXX as a due date but my score dropped XXXX points and I haven't missed any payments. I don't believe this is fair this has happened to me before with first progress and this is unacceptable.
Complaint sub-issue: Investigation took more than 30 days

I filled a dispute in regards to the incorrect items on my credit report is has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Information belongs to someone else

My loan payments were always sent on time. I keep explaining this to Equifax and XXXX but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft PNC BANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft PNC BANK, N.A.

Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I called Equifax yesterday about the concerns about why my score has not been reported to credit karma. So I got in contact with credit karma they stated that Equifex wasnt report my score to them, they havent update my Equifax score to the company. So when I called Equifax fax they give me a lame XXXX excuse saying they are reporting my score every month. I told the bureau that credit karma stated the last report was XX/XX/2022 they sit own the phone lie in my face! Which I have proof they never updated nothing!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX my credit score with Equifax was XXXX and today it is XXXX. On XX/XX/XXXX it dramatically dropped to XXXX and since it has dropped all the way to XXXX. I have not had any negative remarks added to my credit file during this time. I do not owe anyone any monies since this date or even before. I do not have a clue what they are doing but it seems like their business model and whatever they use for a standard is not being compliant nor it is even consistent with the two other major reporting companies. I find this odd as I have never in my life ever had a loan of any kind, nor have I ever opened any type of credit. There is no reason for my credit score to drop like this, if anything it should have gone up. I have contatced them and they will not give me any explanation as to why this is happening. It is bad enough that these services are used to prey on people and in all reality are not even close to judging a persons characher period.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

Macy 's Account XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX , A made payment was in store on XXXX XXXX, Payment did not post, so in XXXX she called cusomer service. Provided all information, the cashier was not over, and there sytem was off line, she could not provide the small receipt given. she called serveal times. Asking for the late fee to be removed, she was told, she needed to change er po box , due the Pariot Act.And because she would not give a new Address the customer service rep " would say they could not verifiy. this po box was used for 3yrs. never missed a pament. all or most payments were paid in cash, The balance was XXXX, under he sending limitXXXXat the time. the late XXXX interest XXXX and next payment due XXXX comes to XXXX.as of XX/XX/XXXX, the account was closed. XX/XX/XXXX. not letting me make a payment arrangment. If macy would contuine to accept the payments of XXXX monthly, ( XXXX ) would have been repaid. 
Company wrote this debit off using the miss information using the Paariot Act in the wrong way, I used my driver Licence to open the account, which i had my po box and my old address on it,,, plus reported as XXXX added XXXX in fee 's
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts and inquiries from my credit report immediately.
Complaint sub-issue: Trouble with how payments are handled

This is the second complaint I have filed against Sallie Mae. I took out several loans between XXXX to attend school overseas at XXXX University. After studying I was married and moved overseas once again with my husband for the military. Finding work here is scarce and we are relying solely on a single paycheck. I have now been dealing with attempting to repay Sallie Mae since XX/XX/XXXX, I am clearly frustrated and at loss of what further action to take! I have been attempting to make payments which have been reversed/not accepted and my total balance and interest are constantly increasing to unreasonable heights. After being forced into forbearance multiple times, and paying hundreds of dollars that will never be applied to my loans, I am now being threatened with the default of my loans. I have asked numerous times for the amount to be reduced to an achievable payment and this request was, of course, denied as well. This company will not work with me, only against me, and I am feeling quite out of options at this point.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchase of a personal computer component ( graphics card ) in the amount of {$100.00} USD was made from an online vendor ( which turned out to be fraudulent ) on XX/XX/2020 using the Citi credit card that is the subject of this complaint. No further communication was received from the vendor ( including no order updates or shipping information ) despite several emails requesting information. No delivery was made to my address. The credit card was charged through XXXX and the initial dispute was filed with XXXX but XXXX deferred to Citi in XX/XX/2020. The vendor claimed in response to the dispute that delivery of the package was confirmed and provided a tracking number. I took this tracking number to the customer service department of the carrier and they provided me with documentation that the tracking number was not related to my name or address, and I forwarded this information to Citi early in the month of XX/XX/2020, and I was told that the rest of the dispute would be resolved after that ( see attached document ). Months later I called to check on the status of the dispute and a representative told me that the dispute was closed because I did not respond to a letter they sent me ( which I never received either in electronic or physical form ), even though I had already submitted all relevant information in XXXX and they were not asking for any new information. In summary, I provided timely proof that the disputed transaction was fraudulent and Citi is denying fraud protection.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM IDENTIFICATION THEFT. I HAVE FILED A FTC REPORT AS WELL AS WITH OTHER LAW ENFORCEMENT AGENCIES TO REMOVE THIS INFORMATION PURSUANT TO THE FCRA 1681- C2
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Trouble with how payments are being handled

I would like to file a formal complaint on how discover student loans has handled a payment on my account. On XX/XX/XXXX, I schedule a one-time payment of {$12000.00} to pay off my outstanding student loan through the DiscoverStudentLoans.com website and my log in. As of XX/XX/XXXX, the payment was pulled from my XXXX  Bank Account ending in XXXX and on XX/XX/XXXX I received confirmation from Discover that the payment in the correct amount was being applied to my loan. As of XX/XX/XXXX, the payment has yet to be applied. I have contacted via the phone and their message center multiple times each but keep getting asked to send in more documentation. They have not been diligent on follow-up of this matter. As a lender, this is unacceptable that any payment not be applied immediately to the account in which is was sent for. This makes we question whether all of my previous payments were applied accurately over the lifetime of this loan. I have attached my bank statement showing the payment, the confirmation letter, and screenshots of my online account where the payment has not been applied as of today. I am also sure that is was noted elsewhere that in XX/XX/XXXX Discover took incorrect payment amounts from what sounded like thousands of customers from the letter they sent out after having to reverse and re-withdraw XX/XX/XXXXpayments.
Complaint sub-issue: Information belongs to someone else

I have a hard inquiry for VW Credit XXXX on X/X/17 as well as XXXX XXXX also on X/X/17 which does not make sense as I have had a lease with XXXX now for 5 years.
Complaint sub-issue: Investigation took more than 30 days

Dispute is now at 55 days and still open. 
Confirmation number : XXXX See photo taken today XX/XX/2022.
Complaint sub-issue: Other problem getting your report or credit score

Credit bureau is not updating my correct scores. Everytime my score reaches a higher score the credit bureau will decrease my scores. I am trying my best to take care of my family and because of this issue it is very difficult to find a home for my kids and I to live. I feel like it is discrimination.
Complaint sub-issue: Their investigation did not fix an error on your report

As a consumer I demand Equifax, XXXX and XXXX remove the accounts listed on the affidavit of fact for a list of the violations from these accounts Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By Equifax reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This complaint submission is in regards to an Unauthorized Inquiry reported by CITI BANK NORTH AMERICA / THE HOME DEPOT. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I have not done any business nor have any revolving accounts with them. CITI BANK NORTH AMERICA / THE HOME DEPOT is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the Account Verification & Consumer Protection Department by the name of XXXX and XXXX. It was extremely difficult to obtain any information from them. I then obtained their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response since XX/XX/2019. It was confirmed through my fax machine that the Department had received the files ; however, after more then 15 days of notifying them, still no response. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting CITI BANK NORTH AMERICA / THE HOME DEPOT immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, CITI BANK NORTH AMERICA / THE HOME DEPOT is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.
Complaint sub-issue: Transaction was not authorized

My cashapp card was stolen back in XXXX and was used in a XXXX in XXXX, PA. I contacted cashapp support as soon as the I discovered the fraudulent transaction and they wouldn't help with recovering lost funds ( I contacted them the same day the transaction took place ). I contacted them again a few months later now in XXXX to follow up with why they couldn't handle my claim earlier. The representative said she would forward me and email to help with my problem. I never received the email and I'm still missing {$260.00}. Cashapp is in violation of the Fair Credit Billing Act 15 U.S.C. 1666-1666j, This Act, amending the Truth in Lending Act, requires prompt written acknowledgment of consumer billing complaints and investigation of billing errors by creditors. The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed, and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's account.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following inaccurate, contradictory 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 these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Complaint sub-issue: Information belongs to someone else

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that this account is not mine and that my identity may have been stolen which I have included with this letter. I do not know how this item ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that this account is mine, because I assure you, I have never taken out these charges.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : CXXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX & XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

After numerous disputes regarding fraudelent items on my credit report, the items have still not been removed. The credit reporting agencies are stating the items in dispute are " verified '' even though the items are fraudulent. 

I am including my FTC report as well as other supporting documents in hopes that the CFPB will help me to get a resolution.
Complaint sub-issue: Account information incorrect

I have disputed 4 times with all credit bureaus. XXXX, Equifax and XXXX. All are reporting derogatory remarks on accounts they are unable and have not verified as being mine or show proof that these are in fact accounts acquired, owned and signed by me. 

They are also not consistent, accounts that have been removed from my credit file from one bureau is not necessarily being removed by the rest of the bureaus despite all the disputing I have done/sent. 

I have outstanding current/history on my mortgage, car loan, which is going to be paid off, and 2 new revolving credit cards. That are in excellent standing and have not been late once on anything for the last 6 years. All that they are reporting are credit cards fraudulently acquired and being reported under my credit file.
Complaint sub-issue: Account information incorrect

I sent a letter to XXXX asking for validation on XX/XX/2020 and XX/XX/2020 and never received a response. XXXX has since removed this account from my XXXX  report. 
I sent a letter to ERC regarding validating this XXXX account on XX/XX/2020 and XX/XX/2020. I did not receive a timely response. A response was received after I mailed the XX/XX/2020 letter. ERC submitted documentation claiming to validate the account. All I received were billing statements not addressed in my full legal name. 

I sent a request to XXXX and XXXX on XX/XX/2020 and have not received a response.
Complaint sub-issue: Reporting company used your report improperly

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no 3rd party involved. I have XXXX, XXXX, and Equifax violating me under the FCRA. 
The first violation is under 15 USC 1681b Permissible purposes of consumer reports. Here you can see that under that statute any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I NEVER GAVE THEM ANY WRITTEN INSTRUCTION TO REPORT ANYTHING ON MY CONSUMER REPORT.

The second is 15 USC 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. EVERY ACCOUNT ON MY REPORT IS AN EXTENSION OF CREDIT.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/2017 Statement attached. I never signed up for Debt protection nor had I ever noticed being charged in varying amount ( XXXX dollars ) over the many years I have had it. 
They sent me a letter telling me that i could cancel it but could not get a refund because I had signed up for it. I never signed up for it. I never would sign up for such a thing. They offer no proof because it is simply not true and this seems to be a common occurrence. Best buy also runs you around saying its not them or citi bank. That it is a third party company which is all just a run around. 

This is stealing down to its core.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this day over 30 days later, I have received a response yet. I feel like they are taking advantage of me because they control my report, so they can just ignore my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those inaccuracies off my credit report. They are outside the scope of their investigation period, so those items should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation of the matter due to the stress this has placed on me and my credit report.