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

I am a victim of identity theft. I have provided Equifax Credit Union with All identification documents, police report and a copy of my Federal Trade Commission report. I was informed by agent ( XXXX ) on XX/XX/20 to send in a copy of my police report in order for requested fraudulent activity to be Blocked from my report. Spoke with agent on XX/XX/20 to confirm receipt of requested document. Agent ID # XXXX at XXXX CST stated all documents were received on XX/XX/20. Writer confirmed with Agent that request for the following accounts was received and reviewed. 

Fraudulent Accounts 1. XXXX XXXX 2.XXXX  XXXX 3XXXX XXXX 4.XXXX  XXXX All above listed accounts are a result of identity theft. Has been requested over 30 days ago to be suppressed from my credit profile. Agent confirmed that request was received and reviewed over 30 days ago. Equifax failed to notify me as well as failed to suppress Fraudulent activity from my credit profile
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/22 and XX/XX/22 I reached out to the credit bureaus in regards to inaccurate and unverifiable accounts being reported on my credit report. I was never notified of these accounts prior to them being placed on my credit reports. The last I was told anything about these accounts were at the medical facility and they stated they were submitting the claims to my insurance and that I wouldn't have anything to worry about. So to later find that these accounts have been placed on my credit reports without ever receiving a notice, letter, or anything is very disturbing to me. 

As of today XX/XX/22, several months after my initial request I am still awaiting the information on how these accounts were verified and why they were placed on my credit reports without being informed of the accounts prior to placement. According to Section 611 ( a ), it states that failure to investigate these accounts within 30 days gives the reason to immediately delete the accounts from my credit reports. I truly don't agree with them being on my credit reports but I would definitely like to receive the information that was verified prior to them placing these accounts on my credit reports. 

I demand that these accounts be deleted immediately.
Complaint sub-issue: Debt was paid

I settled out this debt and it is still reporting as I owe. I have disputed several times and requested them to update with NOTHING being done. 

THD/CBNA XXXX {$3800.00} balance
Complaint sub-issue: Didn't receive enough information to verify debt

I want to settle this debt. However, I'm recieving conflicting responses from management. They are refusing to settle or provide payment options. 
I filed a CFPB report on XX/XX/XXXX for account # XXXX seeking debt validation because I was never given any but because this account is being reported on my credit report I want to settle the account althought I dont agree with the amount. On XX/XX/XXXX Mrs. XXXX responded to my CFPB report stating I had payment OPTIONS and I was honestly looking forward to working with her. I spoke with Ms. XXXX via chat on ( XX/XX/XXXX ) and she said I had to email Mr. XXXX. I emailed Mr. XXXX seeking to settle this account with no response. So then I called and was transferred to Mr. XXXX and he stated I had to pay in full and wouldn't accept a settlement offer so I disconnected the line. I tried to call Mrs. XXXX 's direct line but I get nothing. I want to settle this account. The website advertises payment options and so did Mrs. XXXX so I would like the option to settle if I could pay in full I would have. I want to settle this account and be done with it. I have no contracts that bind me to ProCollect , Inc and they have not furnished any documents that says I have to pay them but I dont want to prolong this any longer.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX has sent me a letter which states I owe XXXX in charges to PNC Bank. They reference the account as XXXX, as of XX/XX/2022. 

XXXX XXXX XXXX was made aware that this matter was resolved. My account was credited on XX/XX/2022. 

I ask that XXXX XXXX XXXX remove my name from any collection action, send a letter apologizing for the fraudulent claim & never contact me again regarding this fraudulent item. XXXX XXXX XXXX should have carefully reviewed the account and information associated with it thoroughly, before making any contact with me. This matter shows complete ignorance and lack of professionalism by a desperate company looking to exploit consumers and collect on fraudulent items.
Complaint sub-issue: Debt was paid

I received a settlement letter from Conn 's furniture store, and paid the amount that was stated in the settlement letter, and paid the amount in the time the company asked. the account was closed and paid off. now the account is back open and the settlement is not honored.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX  XXXX
Complaint sub-issue: Debt was result of identity theft

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The I C SYSTEM INC ( Original Creditor Name 11 XXXX ) Opened XX/XX/2019 was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

I contacted Hunter Warfield for the 2nd time ( letter dated XX/XX/2018 ) asking them to validate the debt from XXXX XXXX. 
All they sent me was a statement of account ( copy attached ).
Complaint sub-issue: Right to dispute notice not received

I did n't know about this situation.
Complaint sub-issue: Old information reappears or never goes away

Equifax/XXXX, 15 USC 1681b Permissible purposes of report ... ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. 

Please remove : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed the reporting of XXXX XXXX XXXX reporting a $ 16000+ outstanding balance. This account was included in bankruptcy and NOT reaffirmed. I submitted a copy of the US Bankruptcy Court 's denial of reaffirmation multiple times to XXXX, Equifax, XXXX and XXXX XXXX XXXX and it was not corrected. In fact, they started reporting past due payments which caused my credit score to plunge and hindered my ability to find housing.
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FO XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I been XXXX sinse I was 14 years of age I am now XXXX years old. I tried college at XXXX University online. I stopped after 2 months. I was approved XXXX waiver. I did it my doctor signed it several times. And every year they keep saying I owe. It should be off my credit report and they won't work with me they said over and over again that u got ta file again. I filed like 4 times and was approved for 1 year and thry said it got ta be 2 years I will every step under XXXX guidelines to get this removed. Even contacted my stats congressman in maryland. Please help me
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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: No notice of investigation status/result

As per my previous complaint ( case # XXXX ), I have filed numerous disputes with Equifax about the " date filed '' that 's listed on the judgement on my report. The court keeps replying to Equifax stating that the " Date Filed '' XX/XX/XXXX on the Satisfied Judgement is verified to be correct ( This is not the date filed but rather the date the judgement was issued ). Equifax took it a step further with the complaint and stated that the court docket documentation shows that the date for the Judgement to be effective was XX/XX/XXXX. The issue here is that I 'm not disputing the date for the judgment to be effective ( which is the date that is reflected on my report and should n't be ). I am disputing the date filed, which is what 's supposed to be reflected on my credit report. The date filed was XX/XX/XXXX which is clearly indicated on the docket. At this point, Equifax updates the report internally but continues to verify with the court who sends the incorrect date ( the court continues to reply with the judgement issue date as opposed to the file date - Which is inaccurate ) and Equifax continues to default back to the wrong date. At this point there are several disputes and just the same old song and dance with the same result. XXXX and XXXX have both resolved this issue. XXXX recognized through their internal review process that the courts are referencing the incorrect date so they manually made the adjustment. XXXX however had a similar outcome to equifax but they internally took the decision to purge the item before I could lodge a complaint. 

Please reference the attachment scan.pdf for the official court docket. 

Thank You
Complaint sub-issue: Their investigation did not fix an error on your report

This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.
Complaint sub-issue: Debt was paid

There is a PAID Medical Debt Collection on my Equifax Credit Report ( See Attachment ). This Medical Debt Collection was placed on my Equifax Report in XX/XX/2018, not allowing for time to see if my medical insurance would pay for it. It should be DELETED/REMOVED as required by the National Consumer Assistance Plan ( NCAP ) for Medical Debt Collections.
Complaint sub-issue: Debt is not mine

Nightmare happened after I made a payment of {$1300.00} on XX/XX/2016 for the full balance on my Citi XXXX Platinum Select Business account. Previous statement due dates were all on XX/XX/XXXX. Both XX/XX/XXXX and XX/XX/XXXX payments were made on time before the XXXX due date. 
In XX/XX/XXXX I started getting calls from this number XXXX to my cell phone and when I picked up I got a voice message telling me to log on to Citi.com regarding my account. I did n't do it because I had not created online access for the account but the call frequency was just too excessive so I eventually created the online access. I got at least a call on these dates : XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX, and XXXX XXXX. The call frequency was definitely excessive. 
After logging on, I found there was a charge of {$82.00} on the account. That does not make any sense since I paid XXXX already and I did n't use the card since then. So I called the number on the back of the card ( XXXX XXXX XXXX XXXX ) and got to talk to an agent after at least 2-3 attempts, each with a hold time of longer than 20 minutes. 
I asked the agent why there was a charge and I did n't get any statements. She reviewed the account and told me that because no activities on the account so no statements went out. I explained if no statements how can I make a payment, and more importantly, Citi changed the due date randomly - it was always on XX/XX/XXXX but they arbitrarily changed the Apr cycle to an earlier date so my payment on XX/XX/XXXX would be ONE day late. The agent promised to reverse everything since no statements went out and the due date was different so I should not be responsible. 
Things appeared good until I saw the same annoying number ( XXXX XXXX XXXX XXXX ) showed up on my cell phone so I logged on the account only to discover that nothing was done to the account and it was already in another billing cycle and the charge went up to {$98.00}. 
So I called the number XXXX XXXX XXXX XXXX again and was finally able to talk to an agent after at least 4 attempts each with a hold time of longer than 25 minutes. This level of service ( or lack of ) is definitely unacceptable for a platinum business card, or any other credit cards. 
After explaining everything again to a few agents and then finally to the escalation unit, I was told I still need to pay {$12.00}. I spent over an hour on this call already. The agent was apologetic but said she can not reverse everything. I told her it was a bank error. She said she can not do anything. I told her OK I spent hours on this already and the minimum wage that I can make exceed the amount they are asking despite it was error on their side but I do n't want to waste any of my time.
Complaint sub-issue: Banking errors

I have qualified for a {$400.00} bonus on my account but have not been credited for that amount.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I wrote a letter asking for proof of my paperwork and still have not received anything yet I do not recognize this inquiry To be mine approximately a year ago I had some fraudulent activity down to my account and I believe this is part of it
Complaint sub-issue: Information belongs to someone else

I put a XXXX  XXXX and a Fraud Alert on my credit reports, we 're military and move a lot and my information has been compromised and used before. I called Equifax to tell them I did n't authorize a few inquiries on my report, and that I needed them to validate the inquiries to prove that I did n't authorize them.! Equifax originally told me they would erase the inquiries, however there still on my report. I want them removed immediately. The inquiries are as followed. XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX on several different occasions XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX
Complaint sub-issue: Account information incorrect

XXXX # XXXX is reporting a collection on my account that I should not have, I never received a 30 day right to dispute for this collection and furthermore when I did find out about it I then went and paid it but it is still reporting a balance. This is paid and I never got a notice about it before it went to collection.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is incorrectly reporting to Equifax ; XXXX and XXXX two ( 2 ) collection accounts. The first collection is for {$87.00} partial account number XXXX ; and the second collection is for {$130.00} on partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have insurance, please see copy of attached insurance card, however XXXX XXXX XXXX never billed the insurance company and because of this error on their part, these accounts were never paid and consequently these accounts were sent to collections. I do not owe the {$87.00} collection nor do I owe the {$130.00} collection. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Complaint sub-issue: Account status incorrect

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report
Complaint sub-issue: Account status incorrect

The account is still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the account that is still reporting on my report : XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance Owed : {$0.00}
Complaint sub-issue: Information belongs to someone else

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2022 -XXXX XXXX XXXX XXXX ) - XX/XX/2022 XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX i sent in a dispute letter to XXXX, Equifax, and XXXX about some accounts that i saw on my credit report. That was over 120 days ago, i also have been sending in more letters every month to try and get these accounts removed or updated. The most recent letter was sent on XX/XX/XXXX. They have been ignoring me. The accounts are not accurate, and they haven't even verified them with me properly. They have failed to maintain proper documentation and accuracy with me. How can they just violate my rights with no explanation for well over 120 days? I always though that the Fair Credit and Reporting Act was supposed to guarantee that they report only accurate information. This is all really confusing because each reporting agency is showing different information. Some late payments are complexly wrong and unverified yet they wont remove them. Other accounts are closed yet still showing they are open and missed payments on a closed account, it is a complete mess. I just want all of the incorrect information on my account removed because this is stressing me out like crazy. I haven't filed an FTC report because i want to go to you all first and hopefully they will just remove all the inaccurate information now. But they are in violation of my consumer rights i need some help.
Complaint sub-issue: Information belongs to someone else

Hi I am writing u because my whole credit file is fraudulent as I have never had a credit card nor have I ever applied for credit nor have I ever had any type of delinquency please remove everything including credit cards credit inquiries and delinquencys because they are all fraudulent I found out about this because the XXXX said that someone filed a ax return in my name which is fraud so please remove all associated with me name. My name is XXXX XXXX
Complaint sub-issue: Account status incorrect

There was an error on my credit report, which supposedly has been corrected. The matter involves a collection ( {$59.00} ) by XXXX XXXX XXXX for XXXX XXXX. 

I have tried resolving this with Equifax, but to no avail. The error lowered my credit score. The error is said to have been corrected on XX/XX/XXXX and then again on XX/XX/2020. I've checked my revised credit score, and it shows the new, higher score ( as before the error ). However, I'm in the midst of trying to refinance my house and when the financial institution pulls up my credit information, it still shows I owe money, and my score is still low. The last time I talked to Equifax on the XXXX, a supervisor said he would manually correct my score so the banks would see the correct version of my credit information. Didn't happen. I would classify this as fraud on part of Equifax as the consumer - me - sees different, incorrect information than financial institutions. Equifax claims that the error was corrected are false. I can not proceed with my refinancing until this matter is resolved. 

The collection was posted on XX/XX/XXXX and I discovered this posting about a week later. I've been trying to resolve this issue since then.