Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took too long

I have been disputing a collection account by XXXX on my credit report for several months. I have uploaded XXXX 's response indicating in response to a debt validation request that it has no information on the account. I have disputed this three times and also done a CFPB complaint against Equifax on this issue, to no avail. 

When I call Equifax and describe the problem, which is that Equifax refuses to conduct any meaningful investigation the representatives, usually in the XXXX launch into a script about the 30-day investigation period. 

Today, I finally reach a representative through three levels of supervisors in the US. Her name is " XXXX '' and her employee number is " XXXX ''. I told XXXX the problem and she stated verbatim that Equifax will continue to report whatever their customer continues to report no matter what. I replied in a recorded phone conversation : " XXXX, I want to be very clear on what you just told me because do not think what you just said is in compliance with the FCRA with regard to Equifax conducting an actual meaningful investigation. In fact it is likely the basis for the majority of complaints agaist Equifax with the CFPB. Assuming that I sent Equifax documentation from that a creditor or collection agent sent me in writing indicating they could not provide any information at all about on an account, but then that creditor comes back and verifies, Equifax will re-report and continue to report even if it is looking at documentation which clearly states the opposite? '' XXXX said, " Yes, that is correct. '' I have gone back and forth with the all of the credit reporting agencies on this point and NEVER would one admit to something like this. Instead, they all dodge the question by reading the script. XXXX has finally been the first person to step forward and honestly state what Equifax ' policy actually is. If you ever have hearings on this matter I am willing to testify to this and back up what I have said above.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see pages 16 and 17 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Application denied

Reference # XXXX I applied in XXXX for the Home Depot card and was denied. In the denial letter the following was listed as reasons based on my XXXX   report. 
My credit score was stated to be XXXX Serious Delinquency Lack of recent bank / national revolving accounts Too few accounts paid on time Length of time accounts have been established I have reviewed my XXXX  report and XXXX XXXX score and there are multiple discrepancies in the denial and the actual information on my report. 
XXXX XXXX score shows XXXX XXXX score is XXXX I have 3 open accounts 1 auto and 2 installment loans which have all been paid on time and report as paid as agreed. I have 1 closed auto loan that shows paid as agreed. I have several installment loans that are closed also showing paid as agreed. I have had the current auto loan 2 years next month. I have attempted on several occasions to contact the company at the listed # XXXX but have been unable to be connected to a representative.
Complaint sub-issue: Reporting company used your report improperly

Please be advised I am not disputing the accuracy of the public record. I want the public record deleted because the FCRA Laws not being followed by these companies below. In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( Lexis Nexis Risk Solutions ) ( XXXX  ) 1 ). 15 USC 1681 section 602 A. States I have a right to privacy. 2 ). 15 USC 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act ( XXXX XXXX  included in the Bankruptcy Act ). Please see attached companies who violated the law and them explaining how they broke the laws. In addition, I have attached XXXX, the database where my personal information was obtained from. XXXX stated that don't share personal information to third parties. Lexis Nexis and XXXX  are Third parties. You are committing fraud and Infringing my privacy Under the FCRA.
Complaint sub-issue: Account information incorrect

I contacted equifax credit reporting agency to remove XXXX XXXX  from my credit report. They sill have not removed it. I contacted XXXX XXXX and the stated they have informed the credit agency to delete it on three different occasions. However it still on the credit report.
Complaint sub-issue: Can't use card to make purchases

Because I filed a complaint ( XXXX ) regarding my personal loan issues Discover is now retaliating and not allowing me to use my Discover credit card. This is appalling and unacceptable! They worked in competence and when they elected to ignore the problem they created, I filed a complaint. They need to explain why they were not being truthful with your company and the previous complaint should have been resolved long ago. I made my payment on-time and my credit union have provided documentation that I have faxed over to Discover to prove their error. Now, why are they trying to prevent me from using my credit card? That personal loan account is up to date and all payments were made and are made in a timely manner, including my credit card payments. I am seeking a resolution to their bullying, not just any response. They have integrity issues just a response is not sufficient. 

Thank you.
Complaint sub-issue: Account information incorrect

I tried to resolve all the problems in my credit report with the bureaus but they don't want to investigate about my case.
Complaint sub-issue: Personal information

First let me clarify that my complaints are to the " consumer file reporting agencies '' .I had no idea that these data miners existed. I thought it was just the big XXXX Credit Monitoring Agencies. I may have not listed my complaint in the right catagory because Im not exactly sure what LexisNexis, larity ( and the others ) are reporting on me. The reason why I was denied a loan from XXXX is listed below ( allegedly ). Having to do XXXX separate complaints is time consuming so Im using the same complaint but submitted it 4 times to the XXXX companies listed I applied for an auto loan with XXXX. The denial letter I got stated some, " whole or in part '', the reasons on how they based their decision. The reporting agencies are XXXX, XXXX, XXXX and LexisNexis. The first part of XXXX reasons for denial was " could n't identify or confirm my personal information. I filed a complaint with XXXX on XXXX/XXXX/2016 stating that my information was not up to date and a collections account is not mine. Originally XXXX had stated that the dispute ( samer reasons plus identify fraud issues ) I had with them ( XXXX ) were resolved. ( results from XXXX= deleted from my credit ) and that they ( XXXX ) would contact XXXX and XXXX to do the same. XXXX and XXXX has not. Ive attached the email from XXXX, the dispute results from XXXX ( nothing was done ) and the XXXX report as to why they denied me. I have filed complaints with all XXXX reporting companies. XXXX, LexisNexis, XXXX, and XXXX. My last dispute was with XXXX on XXXX/XXXX/2016 The results for that dispute were unsatisfactory. The account disputed was still listed and more importantly they have old personal information ; address, name and employment information that hasnt been updated from 10 years ago.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account name- XXXX XXXX Account number- XXXX Account name- XXXXXXXX XXXX XXXXXXXX Account number- XXXX Account name- XXXX XXXX XXXX XXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX XXXX XXXX  Account number- XXXX Account name- XXXX XXXXXXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX Account number- XXXX Account name- 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: Personal information incorrect

I have challenged address on my report that doesnt belong to me and they have refused to take them off my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX FCU Account Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX Account Number : XXXX MUNICIPAL XXXXXXXX XXXX  Account Number : XXXX FIRST XXXX BANK Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I am XXXX XXXXXXXX Equifax STILL insists I am not. Emails and USPS Mail arrive in NOT MY NAME > I WILL NOT OPEN USPS ADDRESSED TO NOT ME. As far as I am concerned, NO effort is being made by Equifax to corret the Illegal Information gathering and distribution. I see it as a constant and demeaning abuse for them to CLAIM all is better now. As well as deceitful, deliberate act.
Complaint sub-issue: Information belongs to someone else

Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$540.00} No. of Months ( terms ) : 0 High Credit : {$540.00} Credit Limit : {$400.00} Past Due : {$540.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX
Complaint sub-issue: Problem getting a working replacement card

am having trouble trying to get verified with my Citi Bank Credit Card everytime i call customer service they are giving me a a hard time trying to verify the phone number register on my account and Citi Bank Place a restriction on my Credit Card due because of this issue and i cant use my account or use my credit card with citi bank and i paid {$200.00} Dollars to open this secured card with citi bank and i dont understand why citi bank is giving me a hard time and no letting me use my card and my account for verification purposes and i really should not be having this problem please help me with this problem
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX Has been trying to collect a debt that has not been rebilled to MEDICAID. 

It first used XXXX and now has transferred the account to AMERICOLLECT The bills are from XX/XX/2013 the statestatute of limitations has passed. 
All bills are billable to medicaid. 
they are balance billing for {$1.00}
Complaint sub-issue: Information belongs to someone else

There is a fraudulent account reporting on my credit file ; The Bureaus ( Original Creditor XXXX XXXX XXXX_XXXX XXXX This account was opened fraudulently and currenly has a balance of {$1000.00}. 

I have requested multiple times for this account to be dissociated from my name, and to be removed from my credit. 

As of XX/XX/2020 its still continuing to report on my credit. Please remove this fraudulent account from ALL three bureaus.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

To Whom it May Concern, I was having major difficulty paying my bill due to landlord not providing gas heat and not allowing XXXX to access electric meters resulting in large billing adjustments. Weve received bill over {$1000.00}. Despite this and loss of employment, I still tried to pay XXXX. Thankfully, public assistance helped pay for the majority of the past due bill. I was in communications with XXXX, letting them know that I was not working and applying for public assistance. Even though a payment was made to XXXX they still sent my account to collections and did not they did not properly notify me that the account was going to collections. Details below : A payment of {$1000.00} was made on XX/XX/2019 to XXXX. On XX/XX/2019, XXXX sent the account to LJ Ross collections for {$460.00}. I was out of work and in the process of getting public assistance to have this bill paid, which I let XXXX know ; however even after a payment was made they immediately sent the account to collections. 
2 ) I was not notified by either mail or phone call that this was going to collections. I later found an email from XXXX with the title Importance Notice from XXXX. The email did not state they were attempting to collect a debt. There was an attached letter that stated this. I was never contacted by LJ Ross either. I found out about the collections account in XX/XX/2019 after checking my credit report, which I paid immediately. 
As a reference, the landlord at the time was not providing gas heat so we had to use electric heaters during the winter. He also refused to provide XXXX access to the electric meters on a monthly basis, thus we were hit with large electric bills every 6-9 months. XXXX  was well aware of the situation. I had to move from the apartment because I did not want another winter without proper heat. Even still, I made every effort to pay my bills while I was out of work and trying to find another place to live. Now because of this collections account on my credit I have not been able to rent another home.
Complaint sub-issue: Debt was result of identity theft

Debt of {$56.00} owed to XXXX XXXX  came from unknown source and is not a debt of mine
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is in violation of my privacy rights under HIPPA Law. I have continuously asked XXXX XXXX XXXX to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately
Complaint sub-issue: Debt was result of identity theft

Back in XXXX / XXXX. Someone took out phones in my name with XXXX and XXXX. I alerted the police during that time, disputed the accounts, and put fraud protection on my account. I have only have a phone with XXXX and any accounts I have are all in good standing. 

Those accounts were investigating and removed and I see recently the companies to to be under a different account and back on my credit report.
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/XXXX, I received a call to give me notice that I was to call XXXX XXXX at XXXX reference XXXX. 
When I called I was told there was to be a legal action filed against me concerning US Bank Account from XXXX, I stated that i received no notice concerning this and the item was never on my credit report and I demanded something in writing itemizing their claim so I may dispute the claim. I was told that I could respond to the summons and complaint unless I paid them {$1200.00} immediately, And if it went to court I could owe over {$4000.00}.
Complaint sub-issue: Debt is not yours

I have never had a lease for an apartment with XXXX XXXX XXXX. I have no knowledge whatsoever of this debt. This is not my debt. I have never lived at these apartments.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXXXXXX credit card account showing a balance of {$10000.00} on Credit Karma ( reported by XXXX  ) is not my account.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I fell into unemployment like many Americans in XXXX. Since XXXX of XXXX Key bank has put a hold on my account. Key bank keeps telling me that the issue is with the Dept of Labor. The supervisor at the Labor Department informed me that there is no hold and I believe them because Dept of Labor is adding funds weekly to my Key bank account. As of todays date Key bank is holding {$5900.00}. Dept of Labor cant do nothing else to retrieve my funds from key bank because the error is not on their end. I call key bank daily and after the XXXX outreach and hours of hold, the customer service rep at Key bank hung up the phone on me. I am beyond frustrated because for the last 3 months Ive receiving the runaround from Key. I have never been without employment, since COVID-19 I was forced out of work. Key bank is running a scam on people affect by this pandemic and there appears to be no check and balances on key bank practices. I can only imagine that they are doing the same to how many more people. They are taking unemployment money that have been defaulted to them via unemployment and not sending it to the people in need. Ive run out of options and this is my last recourse to get my much-needed money from key bank. Thank you
Complaint sub-issue: Problem with statement of dispute

I have disputed a file with Equifax concerning XXXX debt recovery. Equifax has no debt validations on this. XXXX has my correct info, however when I call the company that they represent, " XXXX '', they have no record of me. Also Equifax is not reporting XXXX of my credit files. They are listed as an inquiry, however the items are not on my credit report. Also the files that are on my credit report only seem to update every 6 months or so. This is a horribly run company.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Credit Bureau I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the ORIGINAL CONTRACT the information should be removed from my credit report within 30 days.I have attached a drivers license as proof of my identity.
Complaint sub-issue: Threatened or suggested your credit would be damaged

ACCOUNT # : XXXX # XXXX i am a federally protected consumer, and I am making this complaint against Equifax in light of recent investigations brought upon them. i find that my consumer file is being irresponsibly tampered with. Over the past year and a half, i have made several attempts to remind you of your duty pursuant to 15 USC 1681. It appears that you're being intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy on my report based on federal law. I am writing this letter as another attempt to have these errors corrected on my consumer report. 15 usc 1681i ( A.5 ) says that after reinvestigation, all of the unverified information must promptly be removed or modified. You can see in your system that these items were previously disputed without being thoroughly investigated and thus I know it can not be verified or validated. I want the personal information updated ( see attachment ), charge offs and late payments removed, and these accounts updated as paid.
Complaint sub-issue: Information is not mine

I was added as an authorized user on an account without my authorization or knowledge. The account is XXXX XXXX # XXXX. The account holder later defaulted on the account, now the account is reporting on my credit as charged off. I contacted the XXXX credit bureaus to have the account removed off my report. The account was deleted by XXXX and XXXX, Equifax refuses to delete the account. I never opened this account, I never signed any agreement with the creditor, now I 'm having issues trying to buy a house because Equifax is reporting incorrect information and the creditor is illegally reporting this account as mine. Please delete this account from my Equifax credit report.
Complaint sub-issue: Information is not mine

I rented an apartment to XXXX XXXX managed by XXXX XXXX. XXXX XXXX sent me a bill stating that I owed {$54.00} for a gas bill. I showed them a letter from XXXX XXXX that I did not owe them anything. XXXX XXXX letter stated that I 've been paying my utility bill to them since I 've established it before I moved in. I continued to pay my rent and the management company continued to send me letters stating I owed them money. The management company started of with saying I owed {$54.00} and continued to increase it to {$6000.00}. The management company filed a suit against me for none payment in XXXX 2014. I was not properly notified and filed a motion against them. In XXXX 2014, my case was heard in front of the Maryland Circuit judge. The management nor their attorney showed for the hearing. The judge dropped the charges. Upon, recent review of my credit report, I noticed the management company sent {$9000.00} debt to a collection agency. I had the state 's attorney 's office investigate. XXXX XXXX stated that my bill for the gas bill has increased to that amount. I disputed it stating that a hearing was held in XXXX 2014 and was thrown out by the judge. This company has illegally placed a debt on my credit report that is not mine, they did not notify me nor did they try to dispute it again in court.