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

I sent a letter by mail on XX/XX/2018 to dispute information on my credit report to Equifax. Equifax has not responded in any way. I can not access any information at all from their website. It always states, " Your information does not match our records. '' I sent Equifax a copy of my driver license, a copy of my social security card and information regarding the dispute in question. This is the 3rd or 4th time I have disputed this item on my credit report. Equifax typically sends me an email with the results, but will not let me log into the website. The website perpetually says, " Your information does not match our records, '' Even though I am answering all of their questions accurately according to my credit report.
Complaint sub-issue: Information belongs to someone else

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.
Complaint sub-issue: Personal information incorrect

1. XXXX is reporting Personal information name and address reported wrong. 
2. XXXX has another name that's not my name XXXX XXXX not me
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX  would not assist in deleting these negative inquires from my report XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/XXXX, XXXX XXXX at XXXX, who claims they are located in California, threatened to serve me in my local court to " collect '' on a XXXX XXXX account in the amount of {$2900.00} from the year XXXX. I hung up with them and proceeded to call my local courthouse to ask if they had this on file, which they didn't. I called back XXXX group only to get their " Legal '' department. The guy in " legal, '' who didn't give me a name, cursed me out and hung up on me after I questioned his motives. This happened to me before a couple of years ago and I went down a rabbit hole and found out how much the debt actually is. The actual amount of the debt is {$670.00} and the amount is from XXXX. I called the actual debt collector this time around as well to verify the amount I actually owed and they confirmed the {$670.00} amount.
Complaint sub-issue: Their investigation did not fix an error on your report

I have already sent multiple requests on XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the following accounts completely from my Credit Report. 
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: Investigation took more than 30 days

On XXXX XXXX, 2022, I wrote to the bureaus questing an investigation into items that I believed were INACCURATE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again for them and request that they reply within a reasonable amount of time, and they failed to do so.
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. 

XXXX XXXX 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 2 : states a consumer reporting agency can not furnish a account without my written instructions.

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 resonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

My XXXX/XXXX Visa credit card : XXXX, XXXX/XXXX Visa credit card : XXXX is lost/stolen, and the charges on the accounts are fraudulent and unauthorized charges/transactions. My drivers license, social security card and other credit was stolen from mailbox. My local post offtce issued notification on mail thefts in my area.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX XXXX Rewards XXXX # XXXX issued by Elan Financial Services. 

I have filed a dispute on one of the charges on my credit card. The charge is as follows : Merchant : XXXX XXXX IL Transaction Date : XX/XX/2020 Posting Date : XX/XX/2020 The purchase was for a digital product, that I was supposed to receive within 24 hours after the purchase via email. The product, however, was never received. I tried contacting the merchant using the provided email address XXXX for a refund or the product itself, however, I never received a response. I opened a dispute with the bank regarding this charge, the bank gave me provisional credit and then reversed it, since I had to fill some paperwork which I never received in the mail. I finally got the paperwork after they had already reversed the credit on my account and sent it back to the bank, requesting the dispute to be reopened. However, I am not hearing a clear answer regarding this charge, every time I contact customer service. And no new credit is being posted onto my account. Please assist.
Complaint sub-issue: Was not notified of investigation status or results

As I have not heard back from Equifax in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX, Account # XXXX, # Account # XXXX have 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: Public record information inaccurate

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Complaint sub-issue: Deposits and withdrawals

On XXXX2022 at around XXXX pm XXXX, I tried to transfer funds from my Money Network account to an already active credit union account. During the process of the transfer I was never once asked for my account information and was never asked to check or verify any information other than my account I held with Money Network. After confirming a transfer the money was withdrawn from my account without getting sent to my other account. I would like to know how I would receive the withdrawn amount as I have never specially stated how and where I would like that money transferred and if there are any other steps I need to take to ensure the amount funds its way safely to my account.
Complaint sub-issue: Problem with balance transfer

In XXXX I purchase a cruise reservation with XXXX XXXX XXXX for a total of {$11000.00} ( see statements and account summary from XXXX to XX/XX/XXXX ). Some time later I received communication from them that they are postponing the cruise due to Covid and they rescheduled it. As the next cruise approached in XXXX I received another call that they would have to cancel that cruise as well. This time I asked for a I asked for a refund and XXXX XXXX was very helpful ( see letter from XXXX XXXX chief marketing office ). In XXXX of XXXX they refunded my {$11000.00} to my Citi XXXX XXXX card. Please see statement attached, On XX/XX/XXXX of XXXX the {$11000.00} showed up on my Citi Visa card as a credit ( see statement cardholder summary from Citi ). 
I called Citi and asked that the {$11000.00} credit be placed back in my personal checking account. They agreed and said it would take three to five days. I've waited and it has not shown up. I called again this morning and was transferred several times. Finally it was escalated to a woman named XXXX team XXXX fl. She gave me a different story. First she said it takes longer than that. When I asked why she said they were waiting on the refund department conditions? She didn't know what conditions. She became rude and said I'd just have to keep calling back. I asked for her contact information. She said she doesn't have a phone. She said she doesn't have an email. She put it back on me to find the exact dates of the payments to XXXX. After we hung up I pulled up my records and found the dates. I called back and got someone named XXXX. We asked for XXXX. He couldn't transfer us. We told him we had the information XXXX wanted. He didn't want to take it. He said the dates have nothing to do with it? They had so many excuses it didn't make sense. He said they are waiting for refund department. I asked to speak to the department that does refunds. He said no. They don't have a phone. I'm sure this is happening to thousands of people trying to get their refunds. During this difficult time we can't afford this cruise money to not be refunded.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my right 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 SECTION 602 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

I am XXXX XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account 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 is the account that is still reporting on my accounts and needs to report the payment status positive and update all late from reporting on this account : XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX
Complaint sub-issue: Problem with fees

I opened a credit card account with BBVA on XX/XX/XXXX. ( see open1.png & open2.png ) On the terms of account opening, it is stated that annual fee is " {$0.00} for the first year your account is open ''. ( see Application Terms.pdf ) I attempted to close the account on XX/XX/XXXX, yet the annual fee is already posted on my account on XX/XX/XXXX, during the statement cycle of XX/XX/XXXX. ( see fee1.png and Statement.pdf ) BBVA won't let me close the account without paying the annual fee that is charged before the one year anniversary at XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

I have a police report XX/XX/XXXX, XXXX  and Equifax is reporting a fraudulent account by XXXX XXXX  XXXX XXXX  XXXX XXXX open in XX/XX/XXXX, this account was open by someone who stolen my identity, Fraud account
Complaint sub-issue: Don't agree with fees charged

I have previously submitted a report on XXXX XXXX and XXXX, now I would like to submit my complaint with SallieMae. 

I have XXXX SallieMae loans, XXXX being 7.2 % interest equaling {$7300.00} and the other being 3.5 % interest equaling {$6000.00} ( I believe 3.5 % is the lowest on any of my private student loans so only XXXX of them is feasible ). 

The problem with the loan is NOT the amount, rather the fraudulent interest rates I am being charged. Because the interest continues to compound, my payments barely eat into the principal leaving me with a bigger loan than I started. 

I make every payment on time, however it seems to make little difference if I pay more than what is due. This is ruining my credit report because my debt to income ratio looks horrible, even though I make all my payments on time. 

What this is effectively doing is keeping me from getting any sort of loan to buy a house, or put a dime back into the economy. It does appear as though this will be the case for a long while unless something is down to lower my interest rates to an acceptable level. 

Paying $ XXXX- {$1200.00} a month in student loans is not feasible when I am barely cutting into the principal and lowering the loan amount. In every case of my loans, they are now currently bigger than when I first received them even though I am paying this amount of money EACH month. This should not be allowed and is a form of XXXX 

I am not asking for my loans to be forgiven, however I am asking that my interest rates be put at a normal level of almost all other loans in this country at 2 % interest. There is no reason I should be suffering from an fraudulent interest rate ; students should not be punished for seeking a higher education. 

After calling each of these companies several times, I have found NO help in trying to refinance my loans. The only option I get is to go into forbearance, which would mean a lifetime of debt for me and possibly other family members. 

Please review my case and understand where I am coming from. I can not express enough how these interest rates undermine my consumer rights.
Complaint sub-issue: Attempted to collect wrong amount

National Recovery Agency. This is a collection account for XXXX, a local utility company. I have been paying a monthly payment amount agreed upon by myself and collection agency for past five months. My credit report does not reflect any payment and indicates " C '' ( collections ) for each of the months I have paid. The payments are directly taken out of my bank account each month and i was told that payments would be reported on time.
Complaint sub-issue: Information belongs to someone else

XXXX credit reporting a " charge off '' account XXXX {$32000.00} limit ) on my credit report for a credit card that does not belong to me. I was only an authorized user on this account. I have repeatedly asked that this be removed from my credit report.
Complaint sub-issue: Funds not handled or disbursed as instructed

I deposited {$5100.00} on XX/XX/XXXX. There was a promotion that promised a {$300.00} bonus in 60 days for doing so. The terms are attached. They say : " You must make new deposit ( s ) of at least {$5000.00} in new money deposits ( Direct Branch, Mobile Check Deposit, ACH or Wires ) within 30 days of account opening and then maintain a balance of at least {$5000.00} through 60 days after account opening. '' The language that " I must make new deposit '' ( which I did ) " of at least {$5000.00} '' ( which I did ) " in new money deposits ( ... ACH... ) ( which I did ). My deposits were an ACH, which is specified in the terms. There were two initial deposits of {$200.00} and {$4800.00}. I also received a payment of {$120.00} on XX/XX/XXXX, and a {$250.00} payment on XX/XX/XXXX. I have completed the offered terms and have not received the bonus. I called US Bank to inquire. The agent XXXX said my deposit did not count because it was an " external transfer. '' Nothing in the terms excludes ACH 's which are " external transfers. '' I asked the agent where in the terms does it say " external transfers '' are excluded. She said it wasn't in the terms. 

Additionally U.S. Bank sent me a letter stating my {$200.00} deposit ( which was made through credit card ) did not count, which doesn't make sense. It was a " new money deposit '' as stated in the terms. They stated they were not giving me my promised bonus because the {$200.00} didn't meet their terms. Even if this deposit wasn't counted, I still made {$4900.00} in deposits they appear to consider acceptable. I acted in good faith and made {$5100.00} in deposits, over their threshold. They seem to be inequitably denying me the stated promotion because they have chosen to not count a small {$200.00} deposit, putting me {$25.00} under the {$5000.00} threshold. Additionally, a {$250.00} payment was received on XX/XX/XXXX, putting me further over the threshold. 

U.S. Bank is acting in bad faith, and arbitrarily and capriciously denying me my promised bonus.
Complaint sub-issue: Account information incorrect

Hi thank you for taking the time to read my complaint. 

This collection company is reporting that I owe them money or have a contract with me. I do not owe them any money I'm not sure how they are able to report this on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

CFPB Complaint # XXXX Equifax sent me a letter after the above information asking me to provide proof of identity. 

I included the same proof of identity with the three attachments in the first complaint. 

Equifax needs to stop playing games and remove the fraud alert from my credit report. 

For an entire year Equifax has ignored my requests when I provide proof of identity.
Complaint sub-issue: Account status incorrect

I returned the lease vehicle to the dealership on XX/XX/18 and received a vehicle return receipt ( attached ). XXXX XXXX did not properly input the return into their internal system resulting in an inaccurate reporting of delinquency on my credit report. I've contacted them numerous times and am being told the error is being corrected and delinquency remarks are being reversed. The company is taking an excess amount of time to correct my report ( more than 60 days ) resulting in penalties to my credit score and open trade lines both being reduced. I believe this is a violation of the FCRA and am at the point of taking legal actions.
Complaint sub-issue: Public record

Hello, My husband and I filed bankruptcy on XXXX/XXXX/2016 and were discharged on XXXX XXXX, 2016. However, XXXX XXXX and XXXX XXXX XXXX reported that we had an " Open Account '' and were behind in our payments. They never reported that we were in an active bankruptcy and that the accounts were included after being notified by the bankruptcy court and our attorney. However, I called Equifax and they repeatedly hung up on me and never changed or removed the information after sending them in our discharge paperwork.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon the investigation of these accounts the company XXXX, XXXX, EQUIFAX failed to verify accurately said accounts without proper documentary evidence without my consent but continued to report inaccurate information which is effected me.. Knowing this is a clear violation of FCRA [ accounts are ] 1- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please Help me. This item has been repeatedly submitted to the credit reporting agencies. I have given them proof of the item being paid in full. In speaking with the original collection. agency, they said the paid in full update was submitted to the credit reporting agencies at least 4 times and this collection has remained incorrect for over 2 months. I do n't want to take legal action yet. I do n't know how these credit reporting agencies could have verified the accuracy of the account when the collection agency has repeatedly updated it.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

Received a spoofed number call from XXXX XXXX. Told me that my husband and I would be arrested and taken to court and that he would locate me at my premises. Then called my mother on another spoofed number threatening to break in to find me ( meanwhile I own a home ) and he would hunt for me. Stated it was in regards to a Mobiloan account. And to call XXXX. I am contacting an attorney too since this behavior is uncalled for.
Complaint sub-issue: Confusing or misleading advertising about the card

private company named Money Network Financial claiming to be a wholly owned subsidiary of Fiserv.Inc. sent me a debit card requiring that I provide identification information to the company to " activate '' a card I never requested to receive a " government benefit ''. This came by mail to my home address. The Return Address on the mailing is NOT TO THE so called company sending me this card. Instead it is to the named card " Economic Impact Payment Card '' at an address in XXXX, Nebraska. 
The enclosed mailing includes the statement that " You acknowledge that you have read the material provided to you, including the Terms and Conditions, Balance and Transaction Limit Schedule and Schedule for your Account, which can be found at XXXX ... ... ''. Obviously none of this is a United States Treasury Department message and requires access to materials NOT PROVIDED> There is the statement that " You acknowledge that any term of the Cardholder Agreement, including the Fee Schedule, may change at any time ... ... '' This appears a scam to get financial information or contact information about me including what would be electronically transmitted to unknown entities if used to interact with my personal bank or other entities. 
There is a reference to arbitration " in your full cardholder agreement '' without any link to what the " full cardholder agreement '' may be, where it is located, and what changes may be made to such agreement. 
There is no security provision on how information on this card will be managed.
Complaint sub-issue: Information belongs to someone else

I am intrested in disputing all unauthorized information on my credit report with Equifax. alot of information is not accurate on my 3 credit reports. this is hendering my file for approvals an accurate information. please update
Complaint sub-issue: Information belongs to someone else

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/1983 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. Im a victim of fraud. I realized this account been on my credit report after realizing Equifax had to credit file for me. I tried calling the company but I been on hold for an hour or two for months. So, I informed the credit bureaus with my police report that this account is not mine. It has been deleted and blocked from XXXX and XXXX ; however its still reporting to Equifax. The account number associated with the account is XXXX. This is the information off the credit report. I never open an account with this company. I spoke to someone with XXXX  finally on XXXX XX/XX/2019, and I couldnt get any resolution. This company is ridiculous. Also, XXXX have police report on this item and will not remove fraudulent item.