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

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Attempted to collect wrong amount

Creditor -EOS CCA Recent Balance - {$1300.00} Date opened - XX/XX/2017 First Reported- XX/XX/2017 Original Creditor - XXXX XXXX The Debt was Charged Off, Sold to another creditor and now the new creditor is reporting the wrong balance on to my credit report. I would like for account to be removed concluding this investigation.
Complaint sub-issue: Reporting company used your report improperly

As Dated XX/XX/2023, I, XXXX XXXX, XXXX did not give written instructions to equifax to furnish the identified transactions on my consumer report.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX and I am submitting this complaint myself and no third party is involved. I recently discovered that there is unauthorized accounts in my name being used and reflecting on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit reports and should have been alerted to the information being authorized on my reports and I'm requesting that they be deleted/removed from my credit report as soon as possible. These items are fraudulent and having a crippling effect on my relationship with creditors. Please removes the disputed items as soon as possible. Thank you.
Complaint sub-issue: Didn't receive enough information to verify debt

I was contacted by XXXX XXXX XXXX collection letter dated XX/XX/XXXX I disputed the debt in my letter dated XX/XX/XXXX. XXXX responded in a letter dated XX/XX/XXXX, which I really am lead to believe it was a generic response or no real investigation was done about my dispute. On XX/XX/XXXX I sent XXXX my second dispute letter, they continued their collection activity in their collection letters dated XX/XX/XXXX and XX/XX/XXXX On XX/XX/XXXX XXXX 's letter told me they opened an investigation on my dispute letter. <P/>However, I applied for credit with XXXX and XXXX and they inquired into my personal credit report on XX/XX/XXXX and XXXX was reporting derogatory information about me during an open dispute investigation. I was denied credit by XXXX letter XX/XX/XXXX and XXXX letter XX/XX/XXXX. <P/>On XX/XX/XXXX XXXX letter notified me that they were no longer be collecting on the account.
Complaint sub-issue: No notice of investigation status/result

I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page XXXX statue 609-disclosures to consumers [ 15 U.S.C. statue 1681g ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ statue 1681h ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Bureau 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 XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXXXXXX BANK XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Complaint sub-issue: Account information incorrect

The creditor charged off and closed the account in XX/XX/XXXX. The company continues to report an increase in the balance and that the account charged off each month. The company increased the balance reporting XXXX, XXXX, XX/XX/XXXX and XXXX, XXXX, XXXX. The company is accessing my credit report for no legitimate business purposes. The account has been disputed with the major credit bureaus, however, the inaccurate information remains on my report. I continue to get alerts that the balance on the account has increased, and that the account is past due. The status is reported as charged off/closed on the credit report. The company is acting in an unfair and illegal manner by continuing to access my credit report after the charge-off/closure of account. The customer service representative for the company stated the account was in an accelerated pay-off status in their view. I have reported to the three major credit bureaus about the abuse. The company has been permitted to access my personal information repeatedly.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint because Equofax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Can't close your account

On XX/XX/XXXX at XXXX I went to go send my friend some money through XXXX XXXX and my account got blocked after that and I have contracted Citi Bank XXXX times and they said that they can't verify my account via phone number and my phone numbers are on there since I opened this account and they also said that they sent a letter out with a reference number on it and I've been waiting for that letter for 3 weeks and I continued to call them about this issue and they also said that the sent out 3 more letters and I can't close my account because they need to verify my identity to have full access to my account so they can close it so I really need help with this issue and my checking account is still currently blocked and I can only see my savings account on the mobile app and not my checking account.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX/XXXX/XXXX when checking my credit report, I noticed an old derogatory account from XXXX ( XXXX XXXX XXXX XXXX XXXX ) that was reporting on my credit file. This particular account was opened and first appeared in XXXX, which means it should have been removed by law after a period of 7 years, or XXXX. Noticing this, I immediately alerted Equifax of this issue by filing a dispute ( Confirmation # : XXXX ), where I explained this in-depth. Equifax does not give an option on their online platform to specifically state that the debt being reported is older than the legal requirement put in place by federal law, so I instead chose the option " I am no longer responsible for this debt '' and then explained in detail that the debt was older than 7 years old, and at this point in time fully paid off, so it needs to be removed. Equifax negligently ignored what I wrote, and instead sent back a response after 30 days that stated that they contacted XXXX and confirmed that the debt belonged to me. As I mentioned in my initial response to equifax, that is not what I am disputing, what I am disputing is the fact that equifax is still reporting this debt, despite the fact that it has been over 7 years and is fully paid off. I at this point am demanding that Equifax remove this debt immediately, or I will be forced to go to court to get it removed.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

On XXXX I deposited my {$400.00} paycheck into my US bank account. They said the check was accepted and {$220.00} was available immediately, and {$170.00} would be available the next day. I used my debit card for {$120.00} later that day. On XXXX they debited the {$400.00} from the account it was drawn on, but then bizarrely put an unauthorized hold on my account. I called immediately and they said they were holding my deposit till XXXX to make sure the check was good when the money was already in their account. I asked to talk to a supervisor, was told he would call me, still hasnt a week later of course. Now on XXXX, they have charged ME with a {$36.00} overdraft fee!
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.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. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX XXXX : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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
Complaint sub-issue: Attempted to collect wrong amount

reply : i'am reporting a dispute against this company as fraud this account is not my account however it's very much incorrect this info also it's has been many complaints on this company on my credit report on this date XX/XX/2016 with this amount of {$940.00} this action was taken by this company : may action be taken?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was released after doing time in XXXX on XX/XX/XXXX. While I was there someone used my credit file to get a credit card, a cell phone, and utilities. On XX/XX/XXXX I filed a police report, contacted the companies that the accounts were opened and the credit bureaus. The accounts were taken off but the inquiries remain. The suspect is in custody and I have gotten letters from every single inquirer saying they instructed Equifax to remove, mask or suppress the unauthorized inquiries, however Equifax is still reporting this. 

I have submitted papers from my XXXX XXXX, my release paperwork, the police report, and letters from the companies saying that it is supposed to be deleted and Equifax continually ignores this. The only response I get is an automated response telling me to dispute the inquiry with the creditor, even though I have and the creditor has given me the information I am providing to Equifax. Just like the letter enclosed. Once they even sent me information asking me to verify my identity. How is it that Equifax lets anyone pull my credit report without proof I authorized it, without proof of my signature and without proof that they had a permissible purpose in complete violation of the law and I cant get a copy of my own credit report with proving that I am in fact me and I have a permissible purpose ( i.e. looking for a job ). 

This company first aids identity thieves with this practice, not only that they show utter disregard for the laws of this great land, and are complete violation they have cost me several opportunities and all I can ever get from them in response is a form letter talking about what inquiries are. Please someone enforce the law. You can report anything you know to be inaccurate or authorized, Equifax feels that it does not have to follow the law.
Complaint sub-issue: Reporting company used your report improperly

I have contacted XXXX XXXX UNIVERSITY on XX/XX/2022 and XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and XXXX XXXX UNIVERSITY, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to XXXX XXXX UNIVERSITY to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.
Complaint sub-issue: Attempted to collect wrong amount

I ordered service they never delivered the device so i called and canceled. They canceled it and told me is account closed. After 6 month later i see this account in collection please help me fix it.
Complaint sub-issue: No notice of investigation status/result

Several months ago, my wife and I sent Equifax a letter requesting that they investigate several errors that appeared on our credit report, and respond to us via postal mail with the completed investigation. Despite numerous requests and follow-ups, we have received absolutely no response from Equifax. Literally 6 months have passed, and we have sent countless follow-up letters, but Equifax just wo n't respond.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to ALL 3 credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account with- ( XXXX  XXXX name reported on my credit report ). The first time was for them to verify this account- ( XXXX ) and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Complaint sub-issue: Problem getting my free annual report

I was not able to obtain my free annual credit report from Equifax XXXX.
Complaint sub-issue: Information belongs to someone else

I had been living in my home for the last 20 years and when the owner decided he was going to sell I had to pull my credit apartment search when I saw all these inquiries and credit cards medical bills ect on my credit profile and a XXXX Florida address come up I have never ever lived in XXXX Florida but my ex boyfriend does so I did a XXXX search on the address and XXXX image and his XXXX XXXX XXXX XXXX came up so I think he rented his house in my name and gave my info to others he hates me and has been tounting me for years I have no actual proof but I did contact police.
Complaint sub-issue: Debt is not yours

You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.
Complaint sub-issue: Debt was paid

I had cable TV through XXXX XXXX. That entailed putting a deposit ( about {$500.00} ) for their cable boxes. I returned the boxes. I called XXXX XXXX directly and confirmed I don't owe them any money. 

However, a first collection agency ( I don't remember the name ) got the job of collecting the debt for the cable boxes and sent several collection letters. To every letter I replied, in writing, that I dispute the bill ; I don't owe XXXX XXXX any money ; and to stop sending me letters. At least one letter came with supporting documentation of at least a year old bill. I sent back the same thing, and told them to get a CURRENT bill. I stopped hearing from them. 

Today I got another letter from a different collection agency ( EOS CCA ; Collection Inc. ) offering to take about half of the debt I don't owe. I replied the same way and told them to get a CURRENT bill. 

I'm sick of this and want to file a complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

After reviewing a recent copy of my credit I came to the realization I have become a victim of identity theft. I  recently have submitted ( Identity theft report number # XXXX XXXX which included accounts 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. Jefferson Capital Systems # XXXX 4. XXXX  XXXX XXXX # XXXX. I have reached out to all major consumer reporting agencies including XXXX XXXX and XXXX It has been over 30 days and as per the Fair Credit Reporting Act these fraudulent accounts must be deleted without 100 % accurate verification. Jefferson Capital Systems has violated my consumer rights and the Fair Debt Collection Practice act by continuing to report fraudulent established accounts to my credit file after being notified by the credit bureau. In addition, sections 605b, 609, and 611 have also been violated under the FCRA. The fraudulent accounts still remain reporting on my credit file and is a clear violation. I have completed and submitted 2 identity theft reports to the credit bureaus and Jefferson Capital Systems continues to still report this fraudulent account to the bureaus. I have no recollection nor recall opening or establishing any of these accounts listed above.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I had a fraudulent purchase on my discover card at XXXX. I filed police reports and the police indicated that I was scammed through a known scam. I provided this information to discover card and informed them I was not paying the fraudulent charges. I provided a follow up letter when they refused to stop harassing me. I sent this letter asking them to stop contacting me by return receipt certified mail, return signature receipt, in XX/XX/2018. I received the return receipt showing they signed for the letter on XX/XX/2018. Discover card agents have called me repeatedly since that time. I mailed another letter to them telling them not to contact me. This was also sent by certified mail, signature required.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account had previously been deleted from my credit report because it was reporting in error. Moving forward to present day, apparently this account has since been re-aged and sold to ANOTHER collection agency. This is a violation of the Fair Credit Reporting Act. I have long since closed this account and during that period of time I made arrangements for the company to pick-up their equipment following the guidelines outlined by the company to return equipment. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.