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

The last complaint I submitted, I explained that I sent 2 letters regarding my with XX/XX/XXXX being the last date I sent letters to the bureaus accounts that are FALSELY reported and does NOT belong to me. I've called several times, sent in letters, and keep being told they haven't received any letters. Its been WELL over 60 days, how do I know the bureaus won't say this again to keep stringing this out longer and hindering me from being able to obtain the credit that I AM and SHOULD be eligible for? Again this is beyond frustrating when you can't get any answers or any progress updates besides being held off another 60 days. The credit bureaus are in violation of my rights per FCRA. This is false reporting and negligent of the credit bureaus. I won't continue to be overlooked and undermined about a serious matter. The bureaus will be hearing from my legal team to pursuit remedy and litigation! This matter should have been taken care of by now! Its been over 60 days and failure to investigate the items within 30-60 days, gives a reason to immediately remove incorrect items from my report! I will be taking action
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Other problem getting your report or credit score

This complaint is directed toward Lexis Nexis and its affiliated companies involved in consumer credit reporting. I have been trying to fix erroneous information being reported on my XXXX and XXXX reports. The information is being supplied by Lexis Nexis databases according to both CRAS.
I have requested my consumer reports from Lexis Nexis repeatedly through email, fax and letter and have been ignored. I would like every and all information that Lexis Nexis compiles about me and have all errors deleted.
Complaint sub-issue: Problem with balance transfer

I paid my balance and to be sure I covered all outstanding charges I added an extra {$50.00}. This was over 90 days ago and I have not received the positive balance. I have called 3 times and was told there is no timeline for the funds to be remitted. I have been told that the request was already put in on their end but they have no further information. Considering the timeline I feel I'm owed the funds as soon as possible. I would like the process expedited and an explanation as to why they were not automatically remitted to me.
Complaint sub-issue: Card opened as result of identity theft or fraud

A credit card was open with discover with someone trying to use my name. the name on the card is XXXX XXXX. I always go by XXXX XXXX XXXX XXXX. XXXX refuse to take this card of my credit file. The card was removed from my credit file in XX/XX/XXXX-XX/XX/XXXX. then suddenly appeared inXX/XX/XXXX. This card was open while I was in the hospital battling XXXX. I have spoken to Discover but they play games and give me the run around. The card was open online. plese have them remove this card from my credit file.
Complaint sub-issue: Attempted to collect wrong amount

1 ). XX/XX/XXXX. The amount owed {$2800.00}. 
I am unaware of this charge until I contacted Conns Credit Corp to mail me more details about this debt but did not receive a response from them. At times, they called and act like an attorney representing Conns. Threating to take me to court. They threaten to come to my workplace and arrest me. They called my siblings and parents and threaten to arrest me. I tried calling to understand what happened and resolve the issue, but they failed to provide me details of how I owe {$2800.00}. 

2 ). XX/XX/XXXX. The amount owed {$440.00} I do not recognize this debt. It was submitted to my credit history by " XXXX XXXX XXXX '' and original creditor name is CONNS. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$500.00}, {$1000.00}, {$300.00}, {$100.00}, {$35000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 


-- AUTO LOAN OR LEASE 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2017, Equifax added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Equifax has violated my right as a consumer and I am requesting legal action to remove this account immediately.
Complaint sub-issue: Information belongs to someone else

This is my several attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion Here are the accounts that needs investigation : XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$4900.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX. . Balance : {$28000.00}
Complaint sub-issue: Trouble with how payments are handled

I need late payment status removed from all three credit bureaus due to my student loan status being in deferred.
Complaint sub-issue: Account information incorrect

XXXX hasn't reported my account to 3 major credit bureaus ( XXXX, Equifax, XXXX ) since XX/XX/2019. The account is still open but reporting incorrect balance. The account balance is XXXX. This has hindered me from obtaining new credit. Not reporting the correct balances is killing my credit utilization.
Complaint sub-issue: Debt was paid

I had an outstanding debt that I owed to XXXX XXXX XXXX for a total amount of {$180.00}, the outstanding debt was sent to a collection agency by the name of LJ Ross. After many harassing phone calls I set up a payment with this company to settle my debt. On the date of XX/XX/XXXX LJ Ross withdrew the total amount of my debt of {$180.00} which was previously agreed on. About 5 days after the transaction i checked my credit report and saw my score had gone up due to LJ Ross changing the status of my account to closed and paid in full. Today XX/XX/XXXX I checked my credit report only to see that my score had changed significantly due to LJ Ross adding a new account in collections for the same debt that I had previously paid off. The collection agency of LJ Ross is attempting to collect again on a debt that was previously paid.
Complaint sub-issue: Problem with fees

I notice that my payment that I submitted to Discover Card on   XXXX   XXXX  , 2017 ( the due date ) is now being considered a late payment and I have been charged a late fee of {$27.00}. I do not believe I should be receiving a late fee since there was no mention on my online account page that my payment of {$57.00} had to be received by a certain time (   XXXX   Eastern Time ) on the due date. The only time you find out your payment is late is after you click the " Make Payment '' button. I would appreciate if your agency would look into this.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

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, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX  is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/19 Balance : {$17000.00}
Complaint sub-issue: Account information incorrect

In XXXX of 2019 I applied and was approved by XXXX XXXX XXXX XXXX for a Car Loan at the best available interest rate. 

On XX/XX/XXXX, I recieve my Equifax credit score from XXXX stating my Equifax Credit Score is XXXX. 

I ran all 3 credit reports before and prior to my loan and it appears as the following : Equifax = XXXX XXXX =XXXX XXXX XXXX Although it did not affect this loan, I am not pleased at the inaccurate information. Over 40 pts. 

Why do I even bother working on my credit score when these agencies go with an arbitrary number. 

This is not right and misleading. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( XXXX ) XXXX XXXX XXXX
Complaint sub-issue: Application denied

Applied for ( XXXX XXXXXXXX XXXX XXXX ) with CreditKarma which I received XX/XX/22 by mail. As of today XX/XX/22 I called to setup the credit card as well as make an auto payment for the " {$95.00} program fee '', they finished the setup but then informed me I was not eligible for the credit card and would be sent a letter in the mail. I have already filled a complaint with " FTC '' & received a Ref- # of ( XXXX )
Complaint sub-issue: Didn't receive enough information to verify debt

In XXXX my vehicle was reposssed by XXXX consumer. The vehicle was then sold and the amount due was owed. However in XXXX the account was sold from XXXX and they stated they no longer took over the account. In XXXX I was sued and a judgement was placed from Jormandy stated they were collecting from XXXX. The judgment was placed but I reached out to set up payments in regards to this. In XXXX I received a spam call from a company stating that XXXX was using them to collect funds and reached out to CFPB in regards to this. I received a notice from XXXX in response to the complaint with CFPB stating that they no longer had the account and another company had acquired it. I stopped making payments ( about {$700.00} ) as XXXX stated no company should be collecting funds for them and since have been contacted from Jormandy in regards to this. I do not owe them this debt and they are trying to take me back to court in XXXX for this.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX 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: Was not notified of investigation status or results

I've been sending letters to Equifax since XXXX of 2020 asking them to investigate accounts I feel are reporting inaccurately on my account. I have yet to receive a response for a couple of accounts. XXXX is still reporting inaccurately with no update, notation or anything letting me know an investigation was completed. Also, I have an account with no creditor on my report. How can I verify or even know if an account is mine if there is no creditor listed?
Complaint sub-issue: Account status incorrect

I have notified the CRA that XXXX XXXX should be deleted from my credit report. XXXX has provided inaccurate information but the CRA continues to validate the debt without providing where the information comes from. XXXX XXXX says that I owe them for XXXX XXXX XXXX XXXX ; however, that is incorrect and the tradeline should be removed. I've contacted the CRA and they continue to validate incorrect information. The attached file shows that XXXX  is providing conflicting information as they are saying the debt is from XXXX XXXX. Therefore, the tradeline should be removed as the CRA continues to say this info is correct and XXXX shows a different account holder.
Complaint sub-issue: Information belongs to someone else

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$3500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$3800.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt was paid

According to Acima Credit in my last complaint I submitted the cfpb Acima Credit stated that laws under 15 USC 1692 does not apply to them but according to federal regulations the only sellers exempt are Contracts before XX/XX/1977 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ). 

and they are indeed in violation of the laws I stated in previous complaint in my affidavit also they are still reporting after I sent in a cease and desist through all mediums including consumer reports
Complaint sub-issue: Information belongs to someone else

Re : Final Goodwill notice to remove innacuracy on my credit report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed several unauthorized credit inquiry 's on my Equifax credit report. I have contacted the companies involved multiple times and they have still not been removed. The unauthorized inquiry 's are below. 

DATE COMPANY ADDRESS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Problem with fees

I only got this card because Costco switched from AmEx to their Citibank visa. I have 3 other Visa cards with zero issues. However, this particular card never sends me paper statements. I 've requested them on 4 separate occasions, each time after my card is declined. I call Citibank to see why my card does n't work and they tell me I have n't paid my bill. I say what bill? I 've never received one. They say you 've requested electronic billing, which is incorrect. They agree to correct the problem and I never receive a bill. When you pay electronically, they automatically send an e-bill. I 've asked repeatedly where it goes, is it emailed, sent to my third party app I used to pay? No, they say, I need to login to my account on their site, which I 've never done. How would I know when it 's due? They told me I 'm just supposed to check my account. I do n't use this card regularly. Tried to get gas and it was declined. Called them to find out I have late fees and charges for a {$43.00} ( approx ) bill and $ 100+ in late fees for a bill I never received, despite requesting it. I asked them to reverse the late fees and told them I 've repeatedly requested paper bills. They told me they would look into reversing the fees, I paid the balance of my charges only ( not fees ), and they would send me a paper bill. I never received it. Instead I get some XXXX letter saying I 've requested not to be contacted for debt collection. I do not think these practices are ethical, legal or fair. My 3 other Visa cards are paid on time every month. I never had a problem with the Costco AxEx card. This company is unethical and I want my late fees reversed. I 've asked now 4 times for a paper bill and made them aware I am not receiving any notification to pay my balance. They are clearly doing this on purpose as a means for me to incur more late fees and interest. I requested to cancel this card and am done with this particular card. It 's ruining my credit and I 'm not paying fees for their incompetence and unfair business practices. Look at your phone logs and see how many times I requested a paper statement and how many times I received one.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Didn't receive notice of right to dispute

Recently the debt collection agency Americollect reported a collect account in the amount of {$660.00} to major credit reporting agencies claiming I owed for a past due balance. Prior to doing so no letter of notification or debt collection practices as outlined by the FDCPA were followed. Upon learning of the collection account through a credit monitoring service I contacted Americollect in writing to dispute the debt, ask for validation of the debt and explain that I had not received a letter previously explaining the debt which would have allowed me to dispute the debt. In return I was sent an unsigned copy of an invoice, despite requesting proof of an original letter of intent to collect the debt and no verification of the debt of any sort. 

As such Americollect continues to report negatively impacting information to my credit profile. When contacting Americollect via the phone on XX/XX/20 I was informed that they do not have any documents establishing privity between their organization and the original medical facility and myself, also no signed agreements between myself and the original creditor. They referred me to the original creditor who states that since the account is in collections I must speak directly to Americollect. As of XX/XX/20 Americollect has not validated the debt as requested.
Complaint sub-issue: Didn't receive enough information to verify debt

This is a medical debt. The hospital is balance billing me. I have asked for proof of dept. The collection agency is refusing to provide a valid proof of debt. They will only provide me with a copy of the bill from the hospital. My explanation of benefits clearly shows that I don't owe this amount. The debt collection agency is refusing to attempt to get anything other than a bill and has said " it's all the client provides. I have to pay. ''