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

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX  XXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Complaint sub-issue: Information belongs to someone else

Elan Financial Service Reports a secured credit card in my name opened on XX/XX/2022. The payment status says its past due 30 days two times and then Im over the limit 127 %. I have called both Elon Financial services to try to have this matter resolved as I never opened a credit card with their company. I tried to ask for where the secure {$300.00} came from they did not provide that information I have submitted disputes with the credit bureaus to no avail. Its still showing as a revolving account and Ive never opened this at all. It should be simple to find out where the {$300.00} came from if I opened a secured credit card which I wouldnt have done considering I have three credit cards with good balances and are unsecured.
Complaint sub-issue: Old information reappears or never goes away

I have spoken with numerous representatives of EQUIFAX repeatedly regarding deletion of an unauthorized inquiry from my credit file with them to no avail. Specifically, on XX/XX/2020 XXXXXXXX XXXX   inquired into my EQUIFAX file without my knowledge nor approval and I wish it deleted ASAP!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax notified me regarding XXXXXXXX XXXX, CARE OF XXXX XXXX XXXX XXXX that information " HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACTUAL PAYMENT *SCHEDULED PAYMENT *PORTFOLIO STATUS. '' Errors still exist on my credit report when I never had any creditor relationship with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was never my original creditor. XXXX XXXX XXXX XXXX  does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX for an amount of {$1800.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX. Equifax failed to produce any documented evidence of how XXXX XXXX CARE OF XXXX XXXX XXXX XXXX a Debt Buyer Account is owed a past due amount of {$1800.00} for a debt owed to XXXX XXXX XXXX XXXX  as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX XXXX XXXX, CARE OF XXXX XXXX XXXX XXXX is listed on my credit report for a Collection balance owed for a debt to XXXX XXXXXXXX XXXX XXXX  as the original creditor that is an error. Equifax remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and XXXXXXXX XXXX  CARE OF XXXX XXXX XXXX XXXX remains in direct violation of The Fair Debt Collection Practices Act.
Complaint sub-issue: Account status

I have been attempting to get my credit report reviewed but I 've been unsuccessful. I was a victim of identity theft and I 've sent all XXXX credit bureaus my police report. I 've had multiple items removed and reinserted and when I try to dispute ... .in return I get a letter stating that they have previously disputed this matter and the previous status remains the same. I have yet to receive any verification in regards to these debts and I have sent multiple 609 letters with no success. The accounts are to verify that these XXXX companies are reporting correctly XXXX, and late pays with XXXX. With XXXX I had insurance and advised that the insurance paid the balance but then was later informed that they only paid a portion. I was in the military and was XXXX so I was forced to get out of the military which caused me to be unemployed and unable to pay my bills. This is why I utilized the insurance with these XXXX companies which I was later informed that I still had a balance.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting Act, US BKPT CT XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a collection in the amount of {$1200.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) This account belongs to my ex-wife and should not be reporting on my credit report. I have my own XXXX service with account number XXXX. Please see the attached copy of my billing statement reflecting my account number, billing period for current month and my name and address. This incorrect reporting of an unsubstantiated collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Complaint sub-issue: Attempted to collect wrong amount

I had returned a phone to this company in exchange for a different phone. They never credited {$500.00} for the phone I returned to their store. I disputed this with them several times to no response. This was the reason I decided to not use the phone service,
Complaint sub-issue: Their investigation did not fix an error on your report

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Complaint sub-issue: Trouble getting, activating, or registering a card

I have been calling XXXX at XXXX, to get a card mailed out to me so I can receive my housing utility benefits from section XXXX housing I have been calling every day non-stop multiple times a day since XX/XX/2020, I sometimes spend my whole day trying to get through to someone. They have me listening to the music for over an hour when I can finally get past the operator stating that the line is busy. Then after me listening to the music as stated for an hour-long or more they end the call or they answer without saying hello or anything and just hold the phone. I need that money to pay my bills.
Complaint sub-issue: Debt is not yours

I contested a claim by the collection agency Hunter warfield inc. in violation FCRA that requires information accuracy in reporting and they have not disclose the process taken to meet that requirement
Complaint sub-issue: Their investigation did not fix an error on your report

All Credit bureaus broke federal law and violated my consumer 's rights. XXXX, XXXX, 2022, I written a letter to All three bureaus to remove the accounts listed in my letter due to the fact there is no written consent from me ( consumer ) to place the accounts on my consumer profile. XXXX XXXX Never sent me any results from the first round of letters I mailed out to credit bureaus Violation 1- 15 USC 1681 ( b ) Permissible Purpose- A consumer must provide written instructions to the CRA on what is needed to be reported on a consumer report. The CRA do not have a written consent from consumer for the accounts listed on the consumer report. 

XXXX, XXXX I sent another letter out to request the method of verification from the credit bureaus but No one provided the information I requested. Equifax, XXXX and not even XXXX XXXX responded to may request. 

Violation 2- 15 USC 1681a ( e ) - Request of Method of Verification was not provided by the bureaus. As consumer, I have the right to know what method was use to conduct an investigation by the CRAs. 

There are collection reporting on my consumer report that I did not give any consent to have my personal information. This is a violation of my right of privacy. 

Violation 3- 15 USC 1681a- consumer have the right for privacy.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2020 - Equifax reported false information to my creditor causing the creditor to close my account - this information was not according with truth or fact, was incorrect. Equifax stated in a written report that my credit score was XXXX and list on the website that my score is is a XXXX on XX/XX/2020.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letters to the credit Bureaus to deleted the inaccuracies and misleading information 's in my credit report on XX/XX/2022 and until now they are not yet removing the listed accounts i want them to remove it because it is affecting my credit score
Complaint sub-issue: Investigation took more than 30 days

Complaint : The Equifax Credit Bureaus have failed to verify the two accounts listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ).

Background : I filed a dispute with Equifax per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for these accounts. In my dispute, I also demanded the two accounts be Verified or Removed immediately : Account Name : XXXX  Account Number : XXXX  Reason : Unverified account Account Name : XXXX Account Number : XXXX  Reason : Unverified account Additional Facts : Certified Dispute Letter Received by Equifax : XX/XX/2020, at XXXX XXXX ( See Attachment ) Deadline to provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Equifax has failed to provide Verifiable Proof that meets the standards of FCRA, and these two accounts remain on my Equifax credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
Equifax states late 120 days. No other agency is reporting this XXXX  show no data on 2 yr pymt history XXXX  show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.
Complaint sub-issue: Was not notified of investigation status or results

On  X/XX/17   , I requested  XXXX   & E quifax to validated accounts on my credit report and received response on  XX/XX/2017    from  XXXX  and on  XX/XX/2017    from Equifax that accounts where verified but was not provided any documentation as to how these accounts where verified.     Also  XXXX   XX/XX/2017    report - on  X/XX/17    I requested that the status be updated on all of my student loans including late payments because my account was in forbearance and dates where not accurate. There is also duplications of my student loans on my report and they have refused to address that issue. I have attached a copy pf my letter that was sent to them
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my credit report and based on what I read on the FCRA. Negative information has to be deleted 7 years from the anniversary date of the error or seven years from the first date of delinquency. Well when I combed my credit report I noticed some old negative information that has not be deleted based on the law as It relates to the seven year deletion date. I need this information deleted immediately and here is the incorrect information : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax and XXXX during the week of XXXX XXXX, XXXX thru XXXX XXXX, XXXX. I called in reference to inquries that i had not appointed. I told the represenative that knowing what my current credit status there was no reason for me to be applying for credit. The only reason by law for my credit to be checked is : In response to a court order or federal grand jury subpoena ; To manage the risk of current or potential credit or insurance accounts that were initiated by you ; for employment purposes, with your written permission ; for the purposes of a potential investor assessing the risk of a current obligation ; in connection with your application for a license or other benefit granted by the government, when consideration of financial responsibility is required by law ; in connection with a business transaction initiated by you ; in connection with a child support determination, under certain circumstances ; in connection with a credit or insurance transaction not initiated by you, when a firm offer of credit or insurance is extended, and certain other restrictions are met. 

None of these inquiries fall into those categories. I am asking for immediate removal of these inquiries from my credit report.
Complaint sub-issue: Told you not to respond to a lawsuit they filed against you

On XX/XX/2020 I contacted Centron Services and spoke with XXXX to set up payment arrangements for medical bills. I was told I would be sent paperwork to fill out and to have it back within 30 days. I did not receive the paperwork until XX/XX/XXXX, but still sent that paperwork back within 30 days of XX/XX/XXXX, this was verified, they received it XX/XX/XXXX. I was told I would be contacted back via phone message on a decision. I did not hear anything until XX/XX/XXXX, when I received a judgment in the mail from the court. I mistakenly thought perhaps this was a step in the process, so I did not contact Centron Services. On XX/XX/XXXX, I received an email from my work that they had received a garnishment order for my wages. I called Centron Services on XX/XX/XXXX and Spoke with XXXX to ask why I was not contacted as I was promised to set up payment arrangements. I was told that they had called me on XX/XX/XXXX and XX/XX/XXXX and left me a voicemail to do this. I told XXXX this was a lie, my phone is turned off during my working hours but a voicemail would still save, and no voicemails were left. XXXX said " the notes say a voicemail was left '', and she has no reason to not believe that. I again said that was a lie and asked for a copy of the voicemail, as I know from experience that calls are always recorded. XXXX refused that request. I still stand firm that I did not receive any phone calls and no voicemails were ever left. Centron Services lied to me from the start, never intending to take payments, which I offered and fully intended to make. They sent me the paperwork to do this, I filled out the paperwork and took copies of everything, sent it back in a timely matter, even early, and no one ever contacted me back, in fact they lied 100 % about it.
Complaint sub-issue: Information belongs to someone else

This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I when on line XX/XX/XXXX to look a XXXX XXXX XXXX XXXX XXXX, I placed an order for this product on XX/XX/XXXX and completed my order. Sunday morning XX/XX/XXXX I received a strange e-mail bulletin type form showing my complete account number ( in large one inch print ) saying that my credit card was bad, and that I had to immediately place my order again with another credit card. I took the bait. I used another Citi card ( same CC company ) I received the first one the next week. Weeks later I received another one, but had no paperwork, I got a second XXXX XXXX XXXX unit from them that was charged to the account that they said was NO good. I didnt order two, and they have no right to use my credit card again. The second one arrived on XX/XX/XXXX coming from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX. 
I received my Bank statement XX/XX/XXXX and filed a dispute with them telling them that I didnt buy two XXXX XXXX XXXXXXXX units. Now the newest statement reverses the charge back to me, saying this conditional credit was reversed, since it was determined to be a valid charge. My bank doesnt want to listen to me. A letter was sent to Citicards on XX/XX/XXXX again. I also contacted customer Service at XXXX XXXX XXXX  to request a call tag ( second request ) to pick up the second unit that was not purchased by me. 
FYI : XXXX  XXXX XXXX has numerous complaints with XXXX
Complaint sub-issue: Information belongs to someone else

I want to report my ID stolen. I was looking to buy a car this weekend and I pulled my credit report and found addresses and bills that do not belong to me. 
someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX , I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well
Complaint sub-issue: Information is not mine

An account titled XXXX was opened in XX/XX/2012 under my name, Jointly, and I never authorized this account to be opened. I am not even sure what the Account is for. This account was past due multiple times and is negatively affecting my credit score.
Complaint sub-issue: Can't close your account

I keep getting {$0.00} statements
Complaint sub-issue: Their investigation did not fix an error on your report

Due to the laws of my state of New York, as of XX/XX/XXXX, the updated The Consumer Credit Fairness Act of XXXX, the debt with account number XXXX that XXXX company is claiming to be owed is 7 months past the 3 year statute of limitations. As per the law pertaining to my state, this dated listed with XX/XX/XXXX date as seen in attachment, all collections activity for this debt must stop which includes, mail, credit reporting, phone calls etc. If your company continues any form of debt collection including but not limited to credit reporting this case will be brought to the attention of NY state attorney general and also your company 's home state 's attorney general. The CFPB is a third party witness as a communication channel to this debt collections company. As credit reporting agencies it is your responsibility to report information correctly for consumers as per FCRA ; 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES From Title 15COMMERCE AND TRADE CHAPTER 41CONSUMER CREDIT PROTECTION, I have previously disputed this debt and brought it to your attention. During your investigation it should have been brought to light the updated NY laws and how it could affect this particular debt that is dated XX/XX/XXXX, this is either gross negligence or misconduct, as a protected consumer I need some sort of timely resolution for this matter. 

Please see attached : 1. Reference of US Law 2. NY State ID 3. SSN document 4. Credit Report ; XXXX  5. Credit Report ; Equifax
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Account type is reporting as Collection for XXXX and Unknown - credit extension, review, or collection for XXXX. XXXX  is reporting the date opened as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. These are a violations of my rights per the fcra
Complaint sub-issue: Can't get other flexible options for repaying your loan

Client is being harassed by Sallie Mae for her daughters account. She is paying her own loan and its current, but they constantly harass her even after shes asked not to be called at that number and that she doesn't know anything about her daughter they continue to call.