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

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Complaint sub-issue: Account status

There is an inaccurate late charge being reported on my equifax file that I have disputed with both creditor and equifax a total of 9 times. The creditor continues to tell me that they have notified equifax to update their files however that has not happened. Equifax continues to tell me they investigated the information and the credit XXXX confirms it as accurate. XXXX has sent me a copy of the letter 3 times that they say they have sent to equifax ( i too have forwarded it to equifax ) however I just get the run around that they can not take the letter form me and never received it from equifax. This process began in XXXX prior to me going into the home buying process. I have not located a home and in contract and am being penalized for this inaccurate information. It is effecting my credit score which determines the rate and options I have. This has been a dauting process and I am completely drained and have not choice but to move forward with the mortgage and penalty for inaccurate information or I will lose the house. Equifax should be responsible for every dime I have to pay above what I should because they will not update this inaccurate information.
Complaint sub-issue: Information belongs to someone else

The following addresses I have not lived at Former Address 1 XXXX XXXX XXXX XXXX   XXXX, GA XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 5 XXXX XXXX XXXX XXXX XXXX, GA XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 6 XXXX XXXX XXXX XXXX XXXX, OH XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I am so so upset that these agencies are still reporting fraudulent accounts totaling over {$2000.00} or more which not ever mine. I am disturbed how I cant have my finances better due to all these fraud accts charged off. Please do your due diligence and find the evidence that these accounts were all fraud. Having no knowledge of these fraudulent entries on my credit report as i was not paying attention that they did not delete these off since I reported back then. I was wondering why my credit was just being basic with limited lines until the banker asked me to pulled my report and then I see all the errors and fraudulent accounts that were not removed with all different variation of names. i cant even determine the exact amounts or dates as I did not have no accounts with the account numbers reported companies, and I no opened accounts on the dates posted on my credit reports. I have been a victim of ID Theft.
Complaint sub-issue: Information belongs to someone else

inaccurate information destroying my life hippa and cra violation
Complaint sub-issue: Talked to a third-party about your debt

I keep tellin g Discover Card (  they have my current cell phone and home numbers ) not to keep calling an elderly relative who I have n't seen in ten years. One day they called her house five times!! So they do not need to call her when they can call me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone was suppose to remove this off my report.
Complaint sub-issue: Their investigation did not fix an error on your report

Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Complaint sub-issue: Credit inquiries on your report that you don't recognize

As provided by the Fair Credit Reporting Act, I noticed there are several inaccurate items on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. According to 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. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. Delete these inquiries : 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: Reporting company used your report improperly

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: Account status incorrect

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 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. The Equifax Credit Bureau 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 accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-XXXX-Balance {$0.00} XXXX-Balance {$0.00} USDOE/XXXX-XXXX-Balance {$0.00} XXXX XXXX XXXX-XXXX-Balance {$520.00} XXXX-XXXX-Balance {$780.00}
Complaint sub-issue: Didn't receive services that were advertised

I rec 'd an email from Equifax TrustedID XXXX XX/XX/XXXX that reported a credit report alert. 
About XXXX XXXX XX/XX/XXXX I read and checked online what the alert was about. It was an updated adress which was correct but no acccount with it that it was related to. 
At XXXX I recieved a text from XXXX XXXX that they had detected activity needing my attention. I went online and so no change so I called the number proveded in the text XXXX I waited on hold for over 30 minutes. Then a woman ansered I explained the above and she said they are extremly busy today and I had been automattically transfferred to a different department that could not tell me what the issue was but would transfer me to the fraud department. XXXX. I explained I would like to know what the issue as I had an alert emailed last night. She said she could only guess but to call that fraud number. I called andd it was an automated number to place a fraud alert on the account. The instructions were unclear and did not allow you to speak with anyone. 
The reason I signed up with the service is that it was to protect against issues due the the Equifax leak. I have since learned that the best way to protect is to have a freeze placed at all Bureaus but that cost us the consumer more money. My previous complaint XXXX had to do with inability to communicate with Equifax and XXXX XXXX. Issue continues
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XXXX 2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$21000.00}
Complaint sub-issue: Reporting company used your report improperly

I DID NOT PROVIDE MY PERMISSION FOR THESE ACCOUNTS TO BE AUTHORIZED OR TO GET ADVANTAGES FROM THEM.
Complaint sub-issue: Didn't receive enough information to verify debt

Hi - This company is showing up on my credit report, but I am not familiar with this debt or have any information regarding what it is. I have been tirelessly trying to contact the company, and their parent company XXXX XXXX at every phone #, e-mail address and mailing address I can find, but continue to receive absolutely no response. If this is a legitimate debt I owe, I would like to take care of it, but I have not been able to get a hold of anyone to speak to about it. I don't feel it is fair that this is negatively impacting my credit report, and yet I can not get in touch with anyone to try to resolve it. 

I also submitted a complaint with the MO Attorney General ( since the company is registered in MO ) and literally one minute after I submitted that complaint ( attached, along with email the complaint confirmation came with so you can see the time stamp ), I received an email back from the company ( attached ) claiming they had tried to contact me earlier in the day, which they did not, and I have phone records ( attached ) to prove it. I responded to the email telling them to please contact me so we could resolve it without having to involve CFPB and the MO Attorney General, but they have again not called me. 

I do not know what else to do, or what kind of scam they are running here. My guess is that this is an illegitimate debt, and that is why they are avoiding me. Please help!
Complaint sub-issue: Can't close your account

Upgrade XXXX XXXX BANK refuse to close my account and its been almost a year and I called on XX/XX/XXXX to close my account and they stated it will be closed in 30 days and its still showing its open as of XX/XX/XXXX and the rep said it restricted and I dont want this account mess up my credit reporting I dont owe anything on this account and Im asking them to close it
Complaint sub-issue: Information belongs to someone else

After reviewing my credit report on XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize and it is affecting my credit report. I sent a letter via USPS certified mail to all 3 credit bureaus but my credit report is still negative with items I did not authorize. I checked my credit report recently there are still accounts there that investigation did not remove it from my credit report In accordance with the fair credit reporting act, everything has to be 100 % Accrate on my credit report and Under 15 U.S Code 1681e ( b ) And 15 U.S. Code 1681i ( 5 ) these Accounts are in violation and not reporting 100 % accurate.
Complaint sub-issue: Account status incorrect

Companies involved : XXXX Equifax XXXX Mortgages company involved : XXXX XXXX XXXX XXXX mortgage payments reporting inaccurate-over 90 days late on consumer reports due to mis-applied payments. This has caused loans to be denied and credit cards limits decreased which has exacerbated my XXXXXXXX XXXX XXXX XXXX as a XXXX vet. 

On XX/XX/2022, my servicing mortgage was transferred from XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. That meant that after that date XXXX XXXX XXXX XXXX XXXX collected my mortgage loan payments from me. Stated on first page, Nothing else about my mortgage loan will change On XX/XX/2022, amount due to XXXX XXXX XXXXXXXX was {$0.00} On XX/XX/2022, amount due to XXXXXXXX XXXX XXXX was {$2300.00} I made payment via my XXXX XXXXXXXX XXXX. My bank statement shows the amount of {$2300.00} being withdrawn on XX/XX/2022 On XX/XX/2022, I received an Advance Notice of Late Charges in the amount of {$0.00}, if payment was not received by XX/XX/2022. 
On XX/XX/2022, amount due to XXXX XXXX XXXXXXXX had ballooned to {$5100.00}. The reg payment increased to {$2700.00} including XXXX XXXX XXXX of {$2300.00} My bank statement shows the amount of {$2300.00} being withdrawn from my XXXX account on XX/XX/2022. XXXXXXXX XXXX XXXXXXXX withdrew the money but did not apply it to my mortgage. 
On XX/XX/2022, I received an Advance Notice of Late Charges that my mortgage loan was past due for XX/XX/2022 in the amount of {$2700.00}. If payment not received by XX/XX/2022 a late charge of {$110.00} will be assessed to my loan. 
On XX/XX/2022, I phoned XXXX XXXX XXXXXXXX customer servicer inquiring why mortgage payment increased. The customer service rep advised that a tax analysis was conducted which increased the payment. I advised the customer service rep that my Notice Of Servicing Transfer stated that Nothing else about my mortgage loan will change. I also advised customer service rep that I was a XXXX Vet and that I was approved and received my Exemption Status Letter on XX/XX/2022 and my Residential XXXX Exemption Status Letter on XX/XX/2022. XXXXXXXX XXXX XXXXXXXX should have received those documents because it should have been transferred with my file from XXXXXXXX XXXX. I ask rep why those documents wasnt transferred over with my loan file, rep was not able to provide an answer. The customer service rep advised to send those documents to XXXX. 

On XX/XX/2022, amount due to XXXXXXXX XXXX XXXXXXXX was {$5700.00}. Both my XXXX and XXXX payments were applied to Unapplied funds in the amount of {$4700.00}. 
On XX/XX/2022 I filed for Loss Mitigation workout option. 
On XX/XX/2022, Loss Mitigation Evaluation Notice Forbearance Plan was approved effective XX/XX/2022. The XXXX was to provide temporary relief and determine the inquiry of tax exemption letter. 
XX/XX/2022, spoke to XXXX XXXX who advised me to send exempt letter, a second time to XXXX including Account number, name, phone number and uploaded document.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I sent a dispute to Equifax about the following accounts : XXXX CARD ( Date Opened XXXX XXXX, XXXX, Credit limit {$7100.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX  XXXX ( Date Open XXXX. XXXX, XXXX, Credit limit {$1800.00} ), XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Credit limit {$3800.00} ) and XXXX CARD ( Date Opened XXXX. XXXX, XXXX, Credit limit {$10000.00} ). It's been over 5 months since I send the disputes and till this day Equifax have not respond as they are obligated by XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

I been disputing XXXX XXXX since XX/XX/XXXX, XX/XX/XXXX, lastly XX/XX/XXXX I have ask them to to please verify and the information came back verified I have ask them to investigate every detail and it came back verified. How can the investigation of the bureau be accurate when I see a ton of inaccurate information. The consumer agenices HAS VIOLATED MY CONSUMER RIGHTS UNDER THE FCRA.

15usc1681b permissible purposes of reports. ( 2 ) in accordance with the written instructions of the consumer to whom it relates. The consumer reporting agency did not get my consent to be furnishing this embarrassing alleged debt. They have no respect for my privacy 15usc 1681 ( a ) ( 4 ) 15 u.s.c. 1681s-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES Duty of FURNISHERS of information to provide accurate information ( a ) prohibition-reporting information with actual knowledge of errors -a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Than after I ask the consumer agenices to investigate the report they verified as accurate and update the actual payment which was $ XXXX Historical account history which is inaccurate making the day of first delinquency inaccurate in the remark they didn't didn't put consumer is disputing this account on the account history XX/XX/XXXX is missing, their no credit limit, no high credit, date of last activity is incomplete. 
15u.s.c 1681a ( e ) the term " investigative consumer report " means a consumer report portion thereof in which information on a consumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with friends or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. Consumer agenices failed to do so. With all this inaccuracies on my report after a investigation consumer agenices to assure maximum accuracy I counted 13 on this account 15usc1681e Compliance procedures whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to ASSURE MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates.
Complaint sub-issue: Information belongs to someone else

FRAUDULENT COLLECTION ACCOUNT ON MY CREDIT REPORT I HAVE CONTACTED XXXX AND EQUIFAX AND XXXX XXXX XXXXXXXX XXXX Balance updated XX/XX/2021 Account number XXXX I DO NOT OWE ANY MONEY TO XXXX XXXX OR TO XXXXXXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 we filed an identity theft/fraud report with our local police department. We then proceeded to notify all XXXX credit bureaus of this as well. A credit alert notified us of a new account opened with MoneyLion IncXXXX in late XXXX. We called MoneyLion IncXXXX on XX/XX/2021 letting them know to flag the account, that it was fraudulently opened and there was a police report filed. At this point, an account had already been opened. We monitored the credit reports and noticed that there was a loan amount now w/ a due date on the MoneyLion account ( we didn't notice it previously ) as it was noted as a checking account, not a loan. We called back again on XX/XX/2021 and explained the whole situation a second time. This time, they sent a link in an email asking us to file a dispute/correction. We completed the dispute within a few days of receiving the email. We reviewed the credit reports again and now see that this account is reporting 60 days late. It is our understanding that disputes need to be resolved within 30 days and it is well past that. At this point, MoneyLion is now fraudulently reporting this account on all XXXX credit reports. We have called multiple times this month ( XXXX ) to the Fraud Dept but unable to get through due to a automated message that states " your phone number has been registered in our voicemail, you can expect a call from a representative as soon as possible ''. There has been no phone call, no email and no way to get a hold of someone that can remove this from the reports. We are in the middle of buying a home and this has delayed the process and we have missed out on many homes because of MoneyLion 's inability to correct this fraudulent reporting.
Complaint sub-issue: Deposits and withdrawals

Ally is holding my funds due to a merchant error causing refunded checks. My auto payment will be returned to cause a late payment with my lender.
Complaint sub-issue: Account information incorrect

XXXX/XXXX  violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX/XXXX  reported to the Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.
Complaint sub-issue: Information belongs to someone else

My personal information was used without my knowledge or consent due to several agencies having a major data breach. There have been auto loans, peroneal loans and credit cards and inquiries that have been reporting on my credit report and I have just recently just become aware of these items. I have disputed these items with the credit agencies over 45 days ago and I haven't received a response nor when I have called the agencies are unwilling to look into the matter by stating that give it some more days for them to receive the disputes. I know it doesn't take over 45 days for them to receive and perform an investigation into the allegations of misuse of my personal information.
Complaint sub-issue: Information belongs to someone else

I am so exhausted sending letters to Equifax about this issue.. I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please step up and delete Bankruptcy : Discharged CH-XXXX XXXX, XXXX XXXX XXXX   XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I submitted a letter to LexisNexis asking for a Method of Verification. In my letter i asked for documents or company information who is verifying a Bankruptcy claim on my report. The method of Verification was not fulfilled only with a letter stating verified no company information was provided. I then reached out to LexisNexis via phone and was told they are not aware who verified the bankruptcy claim. Due to they get information from several companies and now have to dispute this claim.In order to provide me with the company information. LexisNexis was giving 15 days to provide me with such information per compliance with the FCRA.
Complaint sub-issue: Account status incorrect

Equifax says they have not received any information from first federal since XX/XX/XXXX Other reporting agencies have revived the XXXX file from first federal and updated accordingly Spoke with XXXX XXXX ( XXXX ). And he says Equifax doesnt have any information from them since XX/XX/XXXX.
Complaint sub-issue: Problem accessing account

I can not access my PNC checking account to make deposits/transfer funds using the XXXX  service that many financial investing companies are utilizing.