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

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have also filed a complaint with the XXXX XXXX XXXX  and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem fixed immediately and I should not have to wait another 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isnt that what the law states so I dont understand whats going on please help me understand these companies are not being help to comply and I dont need XXXX  and Equifax to keep asking me to send in correct identification because that is clearly a stall tactic my information is correct and valid identity
Complaint sub-issue: Account information incorrect

I have reach out several times for world finance to be removed for incorrect reporting XXXX XXXX was a charge off reporting late every month they have been paid please update account or delete
Complaint sub-issue: Account status incorrect

Account was granted retroactive forbearance that covered these time periods. I notified  XXXX  to adhere to FCRA Se ction 623 ( a ) ( 2 ) i n  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.
Complaint sub-issue: Banking errors

The acc ount with PNC is completely inaccurate. I do not owe PNC bank this monetary charge off amount.
Complaint sub-issue: Account information incorrect

I have filed numerous disputes regarding this issue with multiple credit bureaus and uploaded documents to the Document Vault of the creditor Ally Financial and faxed documents to them as well. 

My ex-wife and I both signed for an installment loan to purchase a XXXX XXXX XXXX with Ally Financial ( account number is XXXX ). While my wife and I were going through a divorce she totaled the car. Even though she lived in Virginia and was insured with her name only on the policy, her XXXX insurance agent notified me of the accident and informed me that my wife was not answering their phone calls or responding to emails regarding the settling of the claim to pay Ally Bank the insurance payment. 

It was determined that I, alone, could sign the documents to settle the insurance claim with XXXX  and they made a $ XXXX payment in XX/XX/XXXX, to Ally ( Claim number XXXX Loss Date XX/XX/XXXX ). I also took the steps to recover a partial refund of a service contract that we had purchased for the auto and those dollars were also sent to Ally Financial in XX/XX/XXXX. 

When my wife and I settled our divorce, she agreed to pay the remaining balance of the loan. She has not paid this as of today. Not even XXXX dollar. The property and settlement agreement has been approved by the XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX, VA on XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX Violated my rights on XX/XX/2021. 

They violated these laws : 15 USC 1692. ( B ) ( 2 ), 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).
Complaint sub-issue: Problem getting my free annual report

THIS IS THE SECOND TIME I ATTEMPTED TO GET MY CREDIT REPORT AND EQUIFAX HAS ASKED BOGUS QUESTIONS TO PREVENT ME FROM GETTING MY CREDIT REPORT ON LINE. NEITHER XXXX NOR XXXX HAVE THIS BOGUS INFO L ; LISTED ON MY CREDIT REPORT THAT EQUIFAX IS ASKING FOR. ALSO I AM XXXX WHAT THEY ARE DEMANDING I DO IS NOT ONLY TIME CONSUMING IT DISCRIMINATES BASED ON XXXX BECAUSE THE ONLINE REPORT ACCOMMODATES MY XXXX. WHEN I CALLED THEY REFUSED TO SEND ME A COPY SAYING THEY ALREADY SENT ONE. NOT TRUE. I AM UNABLE TO GET THE REPORT ONLINE, UNABLE TO ORDER IT BY TELEPHONE AND HAVE WEEKS OF DELAY WHEN REQUIRED TO MAIL A REQUEST. I WAS DENIED CREDIT BASED ON WHAT THEY SAY AND AM TRYING TO RENT A HOME. I CAN NOT AFFORD THE DELAY. THIS IS THE SECOND TIME I ASKED FOR MY CREDIT REPORT AND I NEVER RECEIVED IT. I AM ILL AND CAN NOT KEEP FIGHTING WITH EQUIFAX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was going over my credit report and Citi Cards put an unauthorized inquiry on my report XX/XX/19. I did not authorize this, nor did I apply for a line of credit with Citi Cards. I am not sure how they retained my information, but I am 100 % I am not responsible for that inquiry.
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I investigated incorrect information on my credit file with Equifax. 
Equifax allowed XXXX XXXX and XXXX XXXX to change the date of the last payment that was received. I requested for Equifax to investigate to date of last payment received. I'm still waiting on a repley. I received report in the mail on yesterday where both company change the date of 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. 
date of XXXX delinquency was XX/XX/XXXX. 
2.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX date of XXXX delinquency was XX/XX/XXXX both company would like to keep this on my file longer than 7 years by changing the dates.
Complaint sub-issue: Personal information incorrect

This is to inform you that I have contacted XXXX Credit Bureau in regards to them having some incorrect addresses reported on my credit bureau report. They still have not addressed this and removed these addresses. If you would ever so kindly please help me to get these removed I would be ever so grateful. The following is incorrect : XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

I recently accessed my credit report and seen that a car loan that wasnt supposed to be under my name is on my report. The loan was purchased by my ex and added me as a co-signer. I have tried numerous times to resolve this and to get it deleted and the company is refusing to honor to my request. They sent me the contract with his signature and mines and thats not even my signature. I was at work on the date and time of this purchase. And on another violation regarding my rights as a consumer they never marked any Credit reports in which they are supposed to within 30 days of the dispute. I sent the first letter certified and it was signed for on XX/XX/XXXX. I sent another letter on XX/XX/XXXX and they signed for this on XX/XX/XXXX and I have yet heard anything back or has the account been removed from my credit reports
Complaint sub-issue: Personal information incorrect

I legally changed my name in XXXX of 2016. When my mortgage broker tried to pull up my credit report with Equifax, they were only able to pull up my credit history with my old name, and no new information with my new name. I changed my name with the social security office, my credit union ( where I have a credit card ), and with my student loans servicer and the department of education. I provided my name change documentation since I discovered Equifax has not been keeping up to date records. If you could please help me link my credit history from my old name to my new name. And also discover why Equifax was unable to link the accounts when both the social security administration and my creditors were able to process my name change. Thank you.
Complaint sub-issue: Account information incorrect

I have disputed this account 5 different time and there is no change the in formation is not reporting 100 % accurate per FCRA I have posted proof of inaccurate information either update 100 % correct or remove this item per FCRA
Complaint sub-issue: Transaction was not authorized

On XX/XX/2021, purchased two electronic books and unable to retrieve the books for flipping of pages. I stayed on the phone trying to get resolution. But I now want a refund as I am unable to utilize the books electronically. At this point I attempted to reach out but no response and I want a refund for the purchase. I thought the books were able to heard audibly so I want to return order XXXX. I was told I could not make it audible so I want to return the electronic one, If I can not listen to the book then I want to return it
Complaint sub-issue: Other problem getting your report or credit score

I can not get my EQUIFAX CREDIT REPORT pulled by myself, no consumers, or any paid membership Services. I also went to Equifax.com to pull my report with them and it said that they were not able to release it and the Member Service associate said that there is an issue with my account eternally. 

This what Equifax sent me. " We're sorry. We were unable to complete your entire order. Please carefully review the order status below to see which products were not able to be delivered. You will not be charged for the undelivered products. '' I was try to apply for goods and service through some companies and they tried to run my Credit Report 6 times within 3 days and it keep coming back Internal Error but they are running other individuals Credit Report constantly with no problem. The company contacted their IT Support Help Desk and they asked for me to contact Equifax to check for Internal Issues and Equifax keep blaming everyone else instead of fixing or looking into the problem themselves. This is very frustrating and I am In the process of buying a house and need to access my account when I need it. I NEED THIS FIXED
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX I sent a U.S Postal Service Certified Mail Receipt XXXX to ERC which was received on XX/XX/XXXX. I asked ERC to verify that the debt that was placed on my XXXX   credit report under account XXXX for the amount of XXXX. In the letter it asked for them to provide me several items which they failed to do. The only thing that ERC sent was a bill that did not validate that I owe. I also did a search on the Texas Secretary of State website for ERC XXXX XXXX XXXX XXXX, FL XXXX and no results came back for this company address to collect a debt in the State of Texas. I would like for the company to provide me proof that they can collect on this debt and to provide me an agreement with ERC that authorize then to collect on this alleged debt.
Complaint sub-issue: Information belongs to someone else

I am filing this complaint against Equifax Credit Bureau. I am a victim of identity theft. I filed a police report and submitted it to the company. In addition to filing the police report I submitted an online, and over the phone dispute regarding the fraudulent accounts listed on my report. These accounts need to be removed immediately. The following accounts that I am requesting to be removed are the following :   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
Complaint sub-issue: Other problem getting your report or credit score

My account with Equifax is locked. I have tried for over 60 days to get it unlocked by calling Equifax at XXXX, as noted on the website. After speaking with 10 different representatives, two of which were supervisors, and having to change my password 9 times, I am still unable to access my account. Supposedly, my issue was elevated to some office three times to get fixed. That hasnt worked. 

Since no one to whom I spoke could tell me which headquarters office could assist me, I addressed the issue to Mr. XXXX XXXX, Chief Data and Analytics Officer, on XXXX XX/XX/2019. I stated to him that if his office is not the one who can resolve my issue, please forward my letter to the correct office.I have not received a reply. And my account is still locked.
Complaint sub-issue: Account information incorrect

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX,XX/XX/XXXX shows XX/XX/XXXX and XX/XX/XXXX has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : US DEPT ED Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : USDOE/XX/XX/XXXX Account # : XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in CO. It is really old and needs to be removed and I have been trying to get it taken off for some time now.
Complaint sub-issue: Problem with fees

TO WHOM IT MAY CONCERN, XXXX I REQUESTED TO CLOSE THIS ACCOUNT DUE TO BEING VICTIMIZED BY A PROGRAM FEE OF {$95.00} AND A FIRST YEAR ANNUAL FEE OF {$75.00} WHICH MADE THE CREDIT BALANCE {$220.00} WHICH IS PREDATORIAL LENDING. I HAD BEEN OFFERED A {$500.00} CREDIT LIMIT. PLEASE REFUND ALL OF MY FEES AND CLOSE THIS ACCOUNT AS SOON AS POSSIBLE. 
THANK YOU! 

RESPECTFULLY YOURS, XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I have been receiving emails that payments have not been submitted then getting late fees and charged again and again. My bank statements show the money is being submitted to AES however they keep calling my parent 's house and harassing them and I keep paying more but the emails and calls dont stop. I have screen shots of the latest transactions ( email and my bank statements showing in making multiple payments ) I feel like I am being taken advantage of and I do not like these creditors calling my parents home phone ( I have not lived there for 9 years ) as they are old and this causes unwarranted stress which could lead to health conditions and their untimely death.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 10 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XXXX XXXX, 2021 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: Information belongs to someone else

my name is XXXX 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. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Account information incorrect

The past XXXX of Key and the culture of his administration has relied on the motto XXXX XXXX XXXX. Key has increasingly externalized critical transactions such as transfers through anonymous call center personnel in other countries, where records have supposedly vanished and a bankruptcy of accountability prevails where and when expedient. 

Disputes over fees, misc. costs, fines, failure to transfer funds, etc. are deflected in a process where Key requires that these disputes be pursued with the Credit Bureaus and that it should be first processed through Key Bank. Obviously, these disputes are not with the Credit Bureau, which is of course only reporting Keys input. The dispute is with Key that uses Credit Bureau scoring as threats that can damage their clients borrowing ability, business line of credit, costs of insurance, etc. When these transactions such as money transfers through call centers in XXXX are contracted, it serves to externalize accountability of Key and masks their documentation of inbound calls, misinterpretation of client instructions and errors as simple as missing the submit button or forgetting to enter a transaction on their computer screen. 

When Keyss XXXX XXXX XXXX in Ohio is confronted with the details including identification of personnel making errors, the dismissive response is to bury the inquiry in XXXX pages of irrelevant white wash. 

If CFPD would like to make a difference, it would find a mother load in Keys exportation of liability to other countries to avoid accountability in Ours.
Complaint sub-issue: Investigation took more than 30 days

I have disputed negative items on my report multiple times I have not been contracted by any bureaus are notified on how the negative items on my report was verified I was looking up fcra and it states that negative items have to be verified with supporting documents and if not verified it has to be removed it has been more then a month
Complaint sub-issue: Threatened to sue you for very old debt

1st call XX/XX/XXXX @ XXXX XXXX : Message left on cell phone X, this is XXXX XXXX contacting you from the process division. I received an order for you. It looks like two pending charges are subject to be filed. Now unfortunately because I am unable to reach you by phone I will be actively pursuing you at either your residential or place of employment. You have the right to contact the client to resolve your case voluntarily. Understand when located you forfeit that right. Your case number is XXXX and you can reach the office at XXXX. You have been notified. 

2nd call XX/XX/XXXX @ XXXX XXXX : Message left on cell phone X, this is XXXX XXXX contacting you from the process division. I received an order for you. It looks like two pending charges are subject to be filed. Now unfortunately because I am unable to reach you by phone I will be actively pursuing you at either your residential or place of employment. You have the right to contact the client to resolve your case voluntarily. Understand when located you forfeit that right. Your case number is XXXX and you can reach the office at XXXX. You have been notified. 

3rd call : Voicemail left with a random person - I was notified by email about it. 
Email to me sent at XXXX I received an automated phone message for you just now from some court saying this is their last message for case # XXXX. Here is their number XXXX. 

4th call XX/XX/XXXX @ XXXX XXXX : Message left on cell phone X, this is XXXX XXXX calling from the process division. I need to verify a current address as well as a business address. You are forfeiting your right to take care of this matter outside of court. We will contact your human resources department to follow proper protocol and procedure to serve you on the property. Again the client is willing to rectify this matter if they hear from you today. Their number is XXXX and reference your case number XXXX. This is my final attempt. You've been officially notified.
Complaint sub-issue: Reporting company used your report improperly

N Accordance with the fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account information incorrect

I requested my credit report from Equifax on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX Accounts in the file that Equifax maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Equifax challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX  XXXX Accounts and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX  or any means of automated verification. They replied back that XXXX XXXX XXXX Accounts " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Equifax Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX   verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Complaint sub-issue: Can't get flexible payment options

I am on an income based repayment plan and I am supposed to recertify my income yearly. So I go to submit my recertification and the XXXX website is down for maintenance for several weeks. Since I did not get to turn in this recertification they quadrupled my payment which I can not afford. I tried explaining this to them to no avail. I even have a screen shot of the website showing the downtime message so they can see that I 'm not just making stuff up. I can afford my regular payment and even budgeted for an increase but XXXX my regular payment is just absurd. Also I have tried to change my due date several times, which they say on their website is an option, but my request is routinely ignored or just immediately denied without good reason.
Complaint sub-issue: Information belongs to someone else

I attempted to contact Equifax and XXXX  to get items removed from my credit file that was the result of identity theft. Please assist me in getting the following items removed from my credit file : XXXX XXXX - Balance {$1900.00} ( Equifax and XXXX  ) XXXX XXXX - BALANCE {$1900.00} ( Reporting on Equifax twice ) XXXX XXXX - Balance {$390.00} ( XXXX ) CHILD SUPP - Balance {$1300.00} ( Equifax ) XXXX XXXX - Balance {$0.00} ( XXXX  ) XXXX XXXX - Balance {$300.00} ( XXXX  ) I also submitted a FTC Fraud Affidavit to Equifax and XXXX.
Complaint sub-issue: Debt was result of identity theft

Hello this is XXXX XXXX, I had sent you a complaint for a debt of a apt I do not own, you said you needed more information, I'f you can contact me at XXXX. I would also like to notify you that my XXXX XXXX of XXXX is XXXX .agen I was victim of identity theft I sent proof on my last complaint. Complaint # XXXX