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

I sent an reinvestigation requests regarding my credit report over six weeks ago and I have not received any reply. I have will upload the actual reports of all the discrepancies showing of accounts being late and wrong information on my profile by way of certified mail. To date, my file as been placed in archive and am ignored by XXXX. I must assume that it is flagged as " suspicious ''. I am now updating here for help to update all these accounts " paid as agreed '' since they failed to send me the proof of how they were verified and also to remove the invalid employers from my files. Equifax just willfully violated my rights. I will escalate to small claims as a case if they keep fooling around. I had to call to fix my wrong names but they did not even acknowledge my certified letter.

BASED ON THE FCRA GUIDELINES, copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

EMPLOYER IS WRONGLY SHOWING- PLEASE DELETE  XXXX XXXX XXXX - - never received mail - provide proof of documents never being late -- wrong opened date and wrong limit XXXX XXXX never received mail - provide proof of documents never being late- - wrong opened date and wrong limit XXXX/XXXX  XXXX  XXXX - send proof- never late account tapered with due to lost stolen - provide me documents to show the proof- XXXX/XXXX  XXXX  XXXXend proof- never late account tapered with due to lost stolen - provide me documents to show the proof- XXXX XXXX XXXX XXXX, XXXX- Please delete this inquiry as I never worked or never had any business with them -  non authorized inquiry
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exist.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act The following Creditors have violated my rights : ... XXXX XXXX XXXX Account no. XXXX, XXXX Account no. XXXX, XXXXXXXX XXXX  Account no. XXXX, XXXX XXXX  XXXXXXXX XXXX Account no. XXXX, XXXX Account XXXX. XXXX ... ... ..,, 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumerreporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not mine

For the last FOUR years, I have been receiving multiple robo-calls to my home " attempting to collect a debt '' however it is not a debt that I personally owe. The person who had this phone number before me owed many debts, and I have managed to remove myself from the list for being contacted by all the other companies/agencies that have been calling, except for XXXX. I do n't even know the reason for the debt or the name of the company, but I have called them back at the number given many times. Most of the time I can not be connected to a real person when I call, but when I have been able to speak to a person, I have given my name and contact information and explained that the person who owes this debt is NOT me or anyone I know, and asked that they stop calling. It has been more than a month since the last time I called, and I am still receiving phone calls from this agency. Their phone number is XXXX. They do not give any other information in the automated message when they call.
Complaint sub-issue: Their investigation did not fix an error on your report

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. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness of the information. This is your final chance to resolve the inaccuracies on the items : Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Complaint sub-issue: Account information incorrect

They refuse to correct, and or remove erroneous reporting accounts on my consumer report, despite my several attempts to get them to do so. An account on my report is actually reporting twice, and yet has different payment histories, and activity dates. The do not report a closing date for one account, and yet have the the second duplicate account as C/O this year which should have been resolved in XXXX. I have disputed with them by certified XXXX  mail, on or about XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, and XX/XX/XXXX ; and each time, they outright ignore my disputes, or send back the generic, " This account has been verified '' message. When I ask for their " method of verification '' as detailed in FCRA section 611, they still will not forward me the information of specifically with whom they spoke and such, or communicated with to verify these erroneous accounts, so that I can personally follow up on their reporting. Ironically, this erroneously reporting account was just removed from my XXXX XXXX report because if the same erroneous issues, and will be removed from my XXXX report soon. I have also sent this clear evidence of this incongruent and erroneous reporting to Equifax, and they still refuse to conduct a proper investigation, and or remove this account. This account is costing me money, from higher interest rates, as well as outright denials for certain business opportunities, unjustly
Complaint sub-issue: Was not notified of investigation status or results

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and I need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries should not be on my consumer reports. 

Equifax & XXXX XXXX Bank need to be removed. 

XXXX XXXX XXXX XXXX XXXX need to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have attached an FTC report with an account that has popped up on my credit report that is not mine. This needs to be deleted
Complaint sub-issue: Deposits and withdrawals

I used AfterPay to purchase items but the items never arrived. A refund was granted by Afterpay for {$580.00}. AfterPay only deposited half the amount. The other half they claimed the bank refused the other half. Afterpay is now asking for personal banking information to verify the two deposits were declined. This leads to identify theft.
Complaint sub-issue: Investigation took more than 30 days

This investigation took longer than 30 days and was sent on XX/XX/2022. Equifax is in violation of 15 U.S. Code 1681c-2 and was supposed to block the fraudulent accounts within 4 days once they have received my complaint. Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Complaint sub-issue: Other problem

About 5 days ago I received a email from XXXX who said Discover Card was insisting on my signature for permission to obtain my tax records thru XXXX process. Without any warning they also suspended my line of credit until I allowed them to get my tax returns from prior years, not even current income information??? I was in the middle of a vacation and on the road which caused me great stress and thankfully I had other means for deposits, gas etc.. or I would have been stranded. I have had this card for several years and the tactics they used to get this information seemed like a scam doing this by email!!!! This should not be allowed. We are told all the time not to provide our private information in this manner to anyone. This was not even my Credit Card Company ( Discover ), this was directly from XXXX asking me on behalf of Discover???? 

I returned from vacation today XXXX and called Discover and asked they retract this request as it is not required from every customer nor was the manner in which they were trying to get information thru a third party seemed like a scam!!! I also told them there way of trying to force people who are already customers of suspending their lines of credit without notice was also a threat of you have to give me this information or else which is not right!! This tactic caused me harm of having to close my account with Discover which will affect my credit score in a negative way and I think is completely unfair that a credit card company can pick and choose who they require this information from and not all customers are treated the same. Again, they are not even asking for current information, past information!!!. 

Research on the internet re this subject I see Discover is doing alot of this and there are many complaints. 

Thank You for your time in this matter.
Complaint sub-issue: Was not notified of investigation status or results

My compliant is against Discover Bank, account # XXXX, date open XX/XX/XXXX, account status open. On XX/XX/XXXX. I sent a dispute letter so the Discover bank can investigate on a 30-day late payment back on XX/XX/XXXX. Discover Bank fail to mark the account as disputed after they received our dispute notice, violation of FCRA and California Credit Reporting Act. Im attaching letter I sent back on XX/XX/XXXX with proof that fax was successfully received by Discover Bank. Im also including an unfiled SC-100 that I will file in the event that late payment is not remove from reports as soon as possible.
Complaint sub-issue: Threatened or suggested your credit would be damaged

This account is reporting incorrect account type and incorrect date opened
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax : Im writing to dispute the following incorrect information on my credit report. The items I dispute are on the attached screenshots of my credit report. 

Incorrect Personal Information Previously disputed.

- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Unrecognized/ Authorized inquiries previously disputed. I know ask for your method of verification for these. Either furnish proper verification or delete these immediately. 
- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Complaint sub-issue: Transaction was not authorized

XX/XX/2020 After giving PNC three months and five opportunities to resolve an authorized debit, I am requesting your help.

At first it appeared that the situation was handled appropriately, my account was temporarily credited, a new debit card issued and transaction dispute initiated.

From that point on I received the same PNC dispute form three times, no response to my letters, with no specific employee or department assigned to handle my issue. I then contacted the merchant myself.

Upon calling the PNC contact number I inquired where to forward information from the merchant stating that they have no record of a transaction from my account and was advised not to, only that they would re-open the transaction dispute and send the same form.

It appears PNC has not used any of their fraud investigation resources  and has no intention of doing so. Attached please find all my previous correspondence. As of today, I still have not received a response to my letters. At this point I wish to recover the {$99.00} fraudulent debit and be done dealing with PNC forever. 

Thank you for your time, ________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I have never and do not authorize Equifax to collect or keep any personal information about me. Any information that has been collected, stored, or distributed about me, by Equifax, is entirely against my will. Equifax, through their negligence, has released information about me to malicious actors.
Complaint sub-issue: Public record

I have the same released CA state tax lien reporting on my Equifax and XXXX reports twice. The tax lien was filed in XXXX different counties, apparently, the one I reside in and the county of the XXXX, so it is showing up as XXXX separate liens. Which obviously creates XXXX separate public records on my reports. XXXX was the only one that removed XXXX of them, while the other XXXX just sent back a standard letter saying they were both reporting correctly. I do n't know how to send proof that it 's the same XXXX, although you can see that they were both filed and released the same day and the dollar amount is the same. When I contacted the state of CA, they confirmed that there was just XXXX lien and to ask the credit bureaus to remove it, they could do nothing on their end. The tax lien to begin with was part of our bankruptcy discharge, and it was discharged because of the nature of the tax, but CA state tax board refused to acknowledge it, so I had to just pay it. I have more than once disputed the tax liens, the case number I provided was just XXXX that I have.
Complaint sub-issue: Debt was result of identity theft

My mother fraudulently opened a XXXX account sometime between XXXX and XXXX. I have tried multiple times since then to have the account closed and removrd from my credit history. Not only was it fraudulent created it's been over 7 years.
Complaint sub-issue: Information is not mine

Statement of credit denial, termination, or change excessive obligation in relation to income
Complaint sub-issue: Trouble with how payments are being handled

I am writing after months of phone calls to XXXX and XXXX  XXXX XXXX that have gone nowhere and have not resolved what should require a simple fix. 

From XX/XX/XXXX-XX/XX/XXXX, I was a XXXX  for XXXX XXXX Member and earned an XXXX XXXX   Award. In XX/XX/XXXX, I submitted a payment request from XXXX  to XXXX in the amount of {$5300.00}. In the payment information submitted to XXXX, I specifically indicated that " Payment to be applied to Group C loans ONLY which are Direct Unsubsidized Loans from XXXX University. '' Please See Attachment, Page 1. The original loan amount for the Group C loan was {$5400.00} and so the payment of {$5300.00} would have nearly paid off the loan ( of course leaving aside the accrued interest ). XXXX received the payment but misapplied it. Instead of applying the payment to the indicated Group C loan, they applied the payment across all of my loans, essentially making no dent in any of them. 

I saw the error in early XX/XX/XXXX and immediately called XXXX. I spoke with a representative who indicated that she could see the error on their part in misapplying the payment and indicated that she would submit the request to have my payment reapplied. A few weeks later, my loans were transferred to XXXX XXXX XXXX so that I could participate in Public Service Loan Forgiveness.  At that time, I saw that the payment had still not been reapplied. I called XXXX again. This time, they told me, that although they had misapplied my payment and had notation of that in their system that there was nothing they could do. They indicated that it would be a simple fix and that I should contact XXXX XXXX XXXX and explain the situation to them. That has of course proven not to be the case. I have called XXXX numerous times with no resolution. The closest I have come was a conversation in XXXX with a XXXX agent named XXXX who indicated that she was submitting a request to Financial Management for the payment to be reapplied -- months later that has not happened. 

I have called XXXX numerous times and each time I am told that although they see the error on their part that there is nothing they can do. When I call XXXX, I am told that although they are the ones managing hundreds of thousands of dollars of my loans that they are in no position to do anything. I imagine that transferring large loans would sometimes require some adjusting, or correcting but XXXX is refusing to be at all responsive. 

Lastly, I just want to provide a bit of background on why this matters. I don't mean to be difficult but simply can not afford a mistake like the one XXXX made. I am a public interest lawyer, currently interviewing for positions. My dream job will likely pay {$45000.00} and I have over {$100000.00} in student loans. Fortunately, my law school will pay for the loans I incurred while a law student. I am however responsible for paying my XXXX loans. That is why I needed and requested my payment be applied specifically to my Group C, XXXX loan.
Complaint sub-issue: Debt is not yours

Medical debts are no longer collectible after 5 years in the state of Florida according to state laws