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

I submitted a dispute on XX/XX/XXXX Equifax dispute Confirmation Number : XXXX It has been past 30 days and I have not been notified that the dispute was complete. 
The dispute was in regards to a XXXX account. I am disputing late payments on this account for the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... 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 XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
Complaint sub-issue: Problem with statement of dispute

the account # XXXX has been reported for more that 7 years since the first default, as per the fair credit report this must be removed after 7 years. the other credit company have removed it.
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$510.00} XXXX XXXX   XXXX {$7500.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$670.00} XXXX   XXXX {$3800.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$570.00}
Complaint sub-issue: Debt is not yours

The Bureaus company is reporting to my credit report that I am in collections with XXXX XXXX. On my credit report you can see that XXXX XXXX was not in bad standing and was paid off without getting even close to collections over seven years ago. I currently have another XXXX XXXX as well, also in good standing. I tried to dispute through XXXX XXXX and they said it was legitimate even though there's no history of where it came from and I tried again with XXXX and same result. There's no history on my credit report from them besides this collections which they keep updating to being more and more recent. I asked them to provide me with a copy of the history of the account and they never sent it.
Complaint sub-issue: Company closed your account

I fell ill and required emergency services which have now left me  XXXX . I fell behind on my credit card payments. However, in  XXXX    XXXX  , Discover allowed me to enroll in a payment program that would place my account into suspended status for 12 months. I was told that my account would be reviewed after 12 months for a change in status. I have been making the payments as agreed. However, I called in  XXXX    XXXX   to see if I could move my automatic payments to the  XXXX  of the month and was told that my account charged off and they can no longer make any changes to my account. I asked to stop debiting my account and I was told that they can not make any changes to the account. After telling them that I was was recording the entire conversation, that I was filing a report with the FTC and that I going to contact my bank to stop the payments, I was told not to worry because they already removed the automatic payments from my account. I have not received any verification that they have done so and I believe that they deceptively closed my account. I never received any communication. How could they allow me to enroll in a program and then charge off my account? I do n't believe that they are operating in a legal manner. Please help.
Complaint sub-issue: Information belongs to someone else

I'm a victim of identity theft, pursuant of section 605B. You must remove the fraudulent inquiries : XXXX XX/XX/2022, XXXX XX/XX/2022, and XXXX XX/XX/2022.
Complaint sub-issue: Account information incorrect

The credit bureaus stated they properly investigated my XXXX XXXX XXXX account but how is that possible if the payment history is inaccurate, the status is inaccurate, the highest balance reported is inaccurate, the account type is inaccurate, the balance updated is inaccurate and the status updates is inaccurate.This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Stated 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 an account without my written instructions.
Complaint sub-issue: Account status incorrect

Hello, I have tried twice to fix my wrong ratings on my consumer report with Equifax. I have sent a first dispute on the XX/XX/XXXX. 

Credit bureaus usually have 30 days to answer your request, which they have not respected the first time, since I did not get any answers and had to dispute a second time. 

Both my accounts are settled and should have an updated MOP at XXXX and not XXXX. 

I have sent another round of dispute online on XX/XX/XXXX and now they have answered me and said that the information has been updated, but the MOP is still the same. 

They should be reporting the correct rating, since this affect my financial life and freedom. 

Here is what the Government of XXXX states to be rated 7 : - 7 Making regular payments using one of the following debt management options : a consolidation order orderly payment of debts consumer proposal debt management program with a credit counselling agency https : XXXX XXXX this can be fixed so that I can keep moving forward with my credit. 

Sincerely, XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Tickets purchased XX/XX/XXXX for concert with a performance date of XX/XX/XXXX in the amount of {$350.00}. The concert was canceled due to covid with a possible reschedule date of XX/XX/XXXX. Initial contact with Citibank to file dispute was XX/XX/XXXX. Dispute was submitted that day. Citibank contacted merchant on my behalf and responded on XX/XX/XXXX with the merchant refusal to refund. I submitted further information via email to Citibank XX/XX/XXXX to further pursue a refund. I also contacted the merchant, XXXX per Citibanks request on XX/XX/XXXX. I also attempted to call to use the merchants online chat services and phone. All attempts to communicate with XXXX were ignored. All information was sent again to Citibank on XX/XX/XXXX. Citibank again contacted the merchant and the dispute was closed on XX/XX/XXXX with the denial on refund from merchant.
Complaint sub-issue: Debt is not yours

Between XX/XX/XXXXandXX/XX/XXXX I.C System inc placed a collection on my account originating from XXXX XXXX XXXX that is said to be opened XXXX of XXXX. This information is inaccurate and the debt for {$770.00} is not owed to me. I have already disputed this collection from XXXX XXXX on my XXXX acct and had it removed showing as credence resource management in XXXX of XXXX. It seems as though my information is being sold and sold again. I have already stated the information is inaccurate, not validated and is not owed to me when speaking with them on numerous calls a day even weekends. I am asking this account be removed not only because it is inaccurate and not owed to me but I am in the process of buying my first place as I am a single mother of XXXX living in a house of XXXX. I had my credit in line with no phone bills as required and they slap this account that I am unaware of onto my credit hindering me from moving forward with this process. I am pleading for a resolution to my problem with this company. I take two steps forward and they hit me with something else. Although the accounts are unfamiliar to me it is still an Excruciating process to have your name and credit cleared of false information.
Complaint sub-issue: Problem with fees

I opened up the acc in XX/XX/XXXX With Citi. When I opened the acc I called to confirm that this card was 0 % interest for purchases and balance transfers. The person I spoke to confirmed that yes the card was 0 % interest on purchases and balance transfers for 18 months. Come XX/XX/XXXX I cave and interest charge for about {$180.00}. I called to try and fix it and they said they would send it to people above them and I would get a call or reply and I never did. XX/XX/XXXX comes along and I have another interest fee for about {$170.00}. I call again to resolve this problem ans they said they still are working on it to investigate. It is now XX/XX/XXXX and there is another fee for about {$180.00}. I can't continue to get all these interest fees that I can not afford just because the representative gave me the wrong information about the card. I called again they see nothing on theie end, there is no dispute or any investigation that they can see. It's just an ongoing cycle of calling ans them telling me I will get a call back to resolve this issue. I need to either remove the 3 charges and I can pay it all off the card by doing a balance transfers to another company or they can transfer me to one of their companies but I can not pay these fees that I inquired because their employee gave me the wrong information. If I would of known they were gon na charge interest rate right away on purchases I would of applied for one of their cards that actually have 0 % interest or a diff credit card.
Complaint sub-issue: Information belongs to someone else

My information is being merged into my sisters credit report. I first contacted the three major credit companies in XXXX. I struggled to seperate me and my sisters information, but XXXX  and XXXX finally fixed it a few years ago. Since then I have contacted Equifax by mail and phone, However, EQUIFAX has yet to do anything about it. In approximately XX/XX/XXXX I attempted to purchase a vehicle and was denied due to the equifax report. I contacted equifax again and submitted all requested info but never heard from them. I recently called them by phone and now they are requesting all documentation again. I could send it however I have done so repeatedly for the past 20 years. At this point I no longer believe them. I need help to obligate them to fix my record.
Complaint sub-issue: Didn't receive enough information to verify debt

After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Enhanced Recovery and requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX  XXXX  XXXX  Acccout # 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: Their investigation did not fix an error on your report

I have sent numerous letters to the credit reporting agency. All I have received back is " verified '' and NO PROOF of what is being reported to my consumer file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the agency reporting disclose to me all of the documents that they have recorded and retained in their files at the time of this request concerning the accounts that they are reporting in my credit report. I have asked for them to " Please dont respond to my request by saying that these accounts have been verified ''. I have asked for them to send me copies of the documents that they have in their files that were used to verify the said accounts that I had disputes over. If they did not have any documentation in your files to verify the accuracy of these disputed accounts I asked them to please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 

By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. 

Today on XX/XX/XXXX, 2017 I made yet another call to this credit reporting agency. I was transferred to the supervisor named XXXX employee # XXXX who argued with me endlessly that Equifax is NOT required to follow federal reporting standards of completeness and COMPLIANCE or Metro 2 reporting laws. She explained that they may report ANY adverse information they would like, and they do not have the follow the Fair Credit Reporting Act, 15 U.S.C. 1681g or Section 611 ( a ) ( 5 ) ( A ) ( i ) and provide me with what I am requesting. She said they  refuse to delete the information that is being reported wrong and there is nothing she or Equifax will do further to assist me, my complaint or my request for documentation they are using to verify and report these accounts. 

I have kept very accurate records since XX/XX/XXXX of 2017 of all my complaints to this company, and if they are not compliant after this complaint I will be filing a lawsuit for a significant amount for, but not limited to, the following .... 

Defamation Negligent Enablement of Identity Fraud .Damage to my reputation and creditworthiness Violation of the Fair Debt Collection Practices Act ( including but not limited to 15 U.S.C. 1681g ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 611 ( a ) ( 5 ) ( A ) ( i ) ) I have been more than patient with this company as it has been over 6 months since my initial complaint.
Complaint sub-issue: Reporting company used your report improperly

I am natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : 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 have submitted multiple disputes with XXXX and was provided with the exact same response each time. This debt from Jefferson Capital is fraudulent as well as out of the statute of limitations in the state of South Carolina for collection, this needs to be removed. I have provided evidence to XXXX on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2022
Complaint sub-issue: Account information incorrect

Equifax is reporting the wrong amount for the balance on a XXXX XXXX account on my consumer report. The other error is that the account has never been 30 days late. My score has been low due to unfair and inaccurate information. I do not agree.
Complaint sub-issue: Company closed your account

They closed my account after I made XXXX payments from my own bank account. unfortunately, I have XXXX XXXX XXXX XXXX XXXX, and I typed XXXX number wrong in my account number, I immediately updated my payment information and made the payment, then as soon as the payment cleared they closed my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a copy of my credit report after receiving a call from a debt collector that I'd never done business with. I believe my info was a part of the Equifax data breach awhile ago and someone has got my information and using it to open multiple accounts in my name. I filed a police report and an identity theft report. I also sent my ID, social, bank statement showing my address and all pertinent info to all 3 credit bureaus and they still have not removed the items I disputed as fraudulent.
Complaint sub-issue: Account information incorrect

I was in the process of refinancing my house and the title company and US Bank fail to send the payment before the due date.
Complaint sub-issue: Account information incorrect

equfax all inquries are freudulant
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX, three days before my agreed-upon rehabilitation payment of {$640.00} was due, I called XXXX XXXX XXXX to explain that my financial situation had changed and that I needed a new audit of an income-based payment. A service representative indicated that they would cancel the payment on the XXXX, and re-audit my income and expenses to formulate a new payment, advising that a payment wouldn't come out until they reached a new amount. On XX/XX/XXXX, a date not authorized for a transaction, {$640.00}, an amount no longer authorized, was withdrawn from my personal checking account. I'm told on XX/XX/17 that amount was withdrawn in error, and that they are re-issuing a refund that won't be processed for 60 days or so. The debit on my account left my checking account negative and was unauthorized.
Complaint sub-issue: Application denied

I searched for a discover card through the prequalify tool on their website ( XX/XX/XXXX ). I was offered the cash back card but when I finished applying it says the reason I was denied was due to status of prior/existing account. Across all 3 credit bureaus my previous account with Discover has a XXXX balance and is current. When I called the Application department to rectify the issue on ( XX/XX/XXXX ) after applying I was told to call the verification department. I called the verification department ( XXXX ) on ( XX/XX/XXXX ) and was not given any information to remove this previous status. The reason my account was revoked was due to a verification issue with a glitch in the form 4068-T. I filled the form out on XXXX XXXX XXXX but Discover never received it. When I called to pay the rest of my old discover card off I was told once it is settled and paid I would be able to open a new account. That does not seem to be the case.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX ; XXXX XXXX; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$7500.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Personal information incorrect

The 2 employers listed are not factual and the previous addressis wrong I never lived there
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft. I have been trying to get a equifax with whom my identity has been compromised in their data breach to remove the fraudulent accounts. This company does not help and gives you the run around. I have heard the same thing from numerous individuals. I was included their data breach law suit and still they are giving me the run around. I will also be sub, XXXX XXXX  a complaint to the attorney generals office.
Complaint sub-issue: Trouble with how payments are being handled

I am in the IBR repayment plan and the PSLF program. As of XX/XX/XXXX, both my unsubsidized direct and subsidized direct student loans were both scheduled to be forgiven on the same date in XX/XX/XXXX -- which makes sense, as they have been consolidated for nearly twenty years. 

However, this year, twice within the month of XXXX, suddenly, and apropos of nothing, XXXX, the servicer, reevaluated the number of " qualifying payments '' on the unsubsidized portion of the supposedly previously consolidated loans and reduced the number of qualifying payments I have made by eight. 

I sent a detailed description of the problem to the servicer, asking for an explanation and some justification. I also opened a case with the servicer 's Ombudsperson, with identical text. 

The servicer responded a week later with boilerplate from the servicer 's website making reference neither to my stated issues, nor to the resolutions I had requested. I responded with a polite, but firm request for an actual, thoughtful, dispositive, responsive, non-robotic reply to my problem. The servicer responded with an even shorter, less relevant reply containing a passage of boilerplate text that had appeared in the original response. It's obvious the replies are almost certainly automated, or are keyword-generated by XXXX speakers working under strict time constraints. The Ombudsperson could not be bothered to reply at all.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Jefferson Capital Systems furnished an alleged debt on my Credit File. I requested debt validation along with my request for information outlining their right to collect a debt from me. Jefferson Capital Systems responded by providing information outlining a debt owed to an entire different entity along with a created document from themselves that ( says ) that they purchased a debt and I am liable. Jefferson Capital Systems failure to produce the purchase agreement and or quit claim, in which I specifically requested leads me to believe they are attempting to collect a debt under false pretense which is a violation of the Fair Debt Collection Practing Act.