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

this process took more than 30 days on XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I did not hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these people yet
Complaint sub-issue: Old information reappears or never goes away

I have sent multi ple 609 letters to get these two collections removed. I have also called and disputed these accounts online and   XXXX   nor Equifax will remove the negative accounts. These two negative accounts have been off my  XXXX  credit report for over two months and I have told   XXXX   and Equifax that but they wo n't budge and remo ve them. Neither accounts have validated themselves which is why   XXXX    removed them. In my screenshots  XXXX   XXXX   XXXX  and my   XXXX    app both show no negative accounts open.
Complaint sub-issue: Fee problem

On XX/XX/XXXX I had a check deposited into my account Check # XXXX Bb & t Bank charge me an overdraft fee twice. I called the bank on the same day to make a deposited into my account to avoid the fee. The same day the check was presented to company is the same day they charge me the overdraft fee. The did n't wait for the next business day to charge the fee, like they normally do. And also, on that same date I was also hit with another overdraft fee for a {$2.00} withdrawal. So thats two overdraft fee 's in one day. Fast forward to today XX/XX/XXXX. I went to the atm to make a deposit ( XX/XX/XXXX last night. My account said XXXX and change ... I wake up this morning XXXX check to my account. And now another XXXX over draft fee. ( How ) if i made a deposit last night of {$110.00} and was already XXXX and cents. I am starting to think this bank is robbing me ... {$100.00} in fees in under two weeks. and they ca n't do anything for me ... I ca n't afford these types of fees. Its starting to look like predatory. I would close this account. But its not in my best interest at this present time. Thank You.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to a dealership I was told that they were only going to run my credit through one bank I seen my credit report and my credit was ran through all sorts of places I did not authorize. Please delete from my credit reports. 

Equifax Unauthorized Inquires : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquires : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Frequent or repeated calls

I told them they have the wrong number and the person they are looking for does not live here, has never lived here and I have never even heard of this person.
Complaint sub-issue: Account information incorrect

I filled a dispute to in regards to incorrect items on my credit report. It's been well over 30 days and i haven't any investigation results.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Used obscene, profane, or other abusive language

I spoke to a man at Tek Collect inc. that said " May I speak to XXXX ''. I did not identify who I was, I asked him who was calling.. He said XXXX were calling to collect on a debt. I told him that I had not identified myself. He yelled did you pay the bill or not. Then he hung up in my face. He was rude and condescending.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020 and on XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Deposits and withdrawals

Bank employees refused to take my payments in cash.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 I received a copy on my consumer report, and I noticed that someone else information was added to my credit report. I immediately contacted all parties involved about this matter and have tried to work this out to get this inaccurate information removed from my reports. Under the Fair Credit reporting Act this is a violation of my rights as a consumer. XXXX XXXX XXXX is reporting an auto loan that does not belong to me, the CFPB States the FINANCE COMPANY XXXX XXXX XXXX IS IN VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) for false and inaccurate information.
Complaint sub-issue: Information belongs to someone else

I have absolutely no idea what these accounts are, I have never opened a account with this creditor. I have notified my local Police department ( Los Angeles county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in Los Angeles to report these accounts.

I have been in contact with the office of the Attorney Generals office of California - XXXX XXXX, which has guided me in the process of filing these reports. 

Under the FCRA 2009 ( a ) ( 3 ), the creditor in question has been notified that the debt occurred was the result of identity theft. Under the FCRA the original debtor in question must relinquish any attempt to collect this debt, with reasonable documentation stating the event of identity theft.
Complaint sub-issue: Debt is not yours

Friday XX/XX/XXXX I had a debt for a thousand dollars from money lion.com ti contacted the company and somehow a loan was taken out in my name. 

Friday XX/XX/XXXX I had a debt for XXXX from moneylion.com I contacted the company and I was randomly charged for a loan I never took out. 
Both times company refused to do anything about it
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2018 I found inaccurate information on my credit reports and sent disputes to all 3 credit bureaus ( XXXX, Equifax and XXXX ) by certified mail. I also included copies of my drivers license, Social Security card and proof of my address. I received the certified copies back dated XX/XX/2018. I understand its Federal Law that the credit bureaus have 30 days to verify the disputes and answer back to me. XXXX is the only company who has responded and removed the disputed items I asked to be disputed. As of today XX/XX/18 XXXX  and Equifax both refuse to follow the law and answer my disputes. I will include all information and copies of certified receipts.
Complaint sub-issue: Account status incorrect

XXXX XXXX  is reporting two credit cards to my Equifax credit report that are incorrect. Specifically, it is reporting a card that was never received ; in which they have full knowledge of nonreceipt ; to the Equifax credit bureau with a 45 %, and 95 % utilization that is tearing down my scores. Card ending in XXXX, or XXXX-never received by me; reported never received. A new card was issued by the XXXX XXXX  ending in XXXX in place of XXXX XXXX. XXXX XXXX  has failed to report card ending in XXXX with a XXXX balance to Equifax credit bureau. XXXX XXXX  updated card ending in XXXX with a balance and 95 % utilization knowing that the card was switched ; by them to a XXXX ending in XXXX. XXXX XXXX  has purposely failed to report the correct card ending in XXXX to Equifax. 


In short, XXXX XXXX  is purposely reporting old, outdated, and incorrect credit card information to Equifax credit Bureau. Currently, I have one credit card-XXXX from XXXX XXXXending in XXXX with a XXXX balance. Please have them update it immediately. 

Moreover, when I first applied for the XXXX credit card, I was told after 1 year I would receive my {$300.00} security deposit back. I have not received such back, despite paying my balance up in full. In fact, I was told that I would not be receiving it. This is fraudulent misrepresentation. I want this to be resolved asap. I want XXXX XXXX to update Equifax, and return to me my security deposit as initially promised.
Complaint sub-issue: Problem with personal statement of dispute

The lender is not posting to the credit bureau my 4 consecutive payment. 
The credit bureau still saying that no payment has been made. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account ID : XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance
Complaint sub-issue: Their investigation did not fix an error on your report

THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE AND I HAVE FIGHTING THIS MATTER ALL YEAR AND DEBTS ARE BEING VALIDATED IN WHICH DONT BELONG TO ME
Complaint sub-issue: Indicated you were committing crime by not paying debt

I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my right to privacy.
Complaint sub-issue: Was not notified of investigation status or results

Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX Balance : {$160.00} Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : XXXX Balance : {$1900.00} Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$500.00} Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$480.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$1500.00} I am formally filing a complaint against Equifax, XXXX, and XXXX. I have been disputing these collection accounts with the credit bureaus since XX/XX/XXXX. I also have disputed this directly with the collectors XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I was asking these collection companies and credit bureaus to simply validate the reporting of these accounts. I'd like to exercise my rights as a consumer to ask for the validity of the accounts I have mentioned above. I am trying to get approved for credit and I am not able to do so because the number of collection accounts that are reported in my credit report. 

I have not received sufficient documents from both the credit bureaus and third party collectors proving that these collection accounts are valid and 100 % reporting compliant with the reporting regulations as mandated by FCRA and FTC.
Complaint sub-issue: Debt is not yours

I never had account with company I personally contacted them and they stated they also had no knowledge of me ever having a account with them I was giving incorrect information and addresses when I contacted the company and spoke with them I verified and provided information that I never had a account with them in 2020 or any other time and when I refused to give address and personal information they threatened legal action and garnishments and back account levies
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXXI attempted to open a XXXX XXXX  card and was told this was approved- I did not use this card much but when attempted to use it I was told this was actually not approved or opened and that I would need to reapply for a store card- so I went ahead and did again on XX/XX/XXXX- at which point I was told this card was denied, there was no hard credit inquiry that is conducted and that I was not going to have this appear on my report. I am beyond angry and frustrated- I spoke with a XXXX as well as XXXX XXXX XXXX , and XXXX  each on different times stopping by XXXX XXXX or calling in and calling from their help desk to their credit card operators lines to find out why this happened and why my credit report is still reflecting inquiries when I was told this would not occur and was lied to. I am very frustrated as onXX/XX/XXXX, I was told this card went through and when I tried to use it it did not work, I was beyond embarrassed and felt very XXXX I am very disheartened and upset that XXXX XXXX did not help me resolve this matter and am very frustrated that this has negatively impacted my credit score and also impacted my life. Please help.
Complaint sub-issue: Transaction was not authorized

My bank paid a check and I receive what appears a fraudulent attempt to collect the funds again with a hefty fee claiming insufficient funds.
Complaint sub-issue: Debt was result of identity theft

As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order XXXX to make recompense and pay redress and compensation for their trespass against me. XXXX has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt  unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
Complaint sub-issue: Account information incorrect

This information needs to be removed from my account because the reporting agencies all have different numbers ( amounts ). Please have this removed from ALL OF my credit reports.
Complaint sub-issue: Reporting company used your report improperly

In accordance wi the fair credit reporting act, XXXX I account number 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 an account without my written instructions
Complaint sub-issue: Information belongs to someone else

I would like to notify you about all accounts which were opened not by me. After divorce with husband he could not sue a lot, but he had all my personal information like copy ssn and Dl. He applied for a few accounts using my name, but different addresses. He used to all credit card which opened on my name and did not pay. I did not know anything until recently. I went to police department to have affidavit and also I was trying to sue him. No one of these account are not belong to me or any transactions made by me. He used my personal info to open these credit card. I spoke with all banks and they will remove all debts. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need to remove from all 3 bureaus. The reason I have been a victim of identity theft fraud. I have no idea of any of  these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Complaint sub-issue: Information belongs to someone else

I did not authorize these companies to run my credit profile. I would like for a thorough investigation to be open.
Complaint sub-issue: Reporting company used your report improperly

Account info Account name 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, 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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I've been disputed this same fraud auto loan collection account since it was brought to my attention in XX/XX/2020. The bureaus conducted their investigation and it was removed from my report after the investigation was completed. The account started reporting again 2 weeks after it was removed. Per my understanding, if an account is removed for fraud, it is blocked from reappearing on the report again and yet here it is. Furthermore, I've been redisputing it and the bureaus are taking no action to restart their investigation let alone look at the previous investigation notes. I shall make no further pleas. Next step will be a lawsuit.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Bureaus are obliged to confirm the information and status of the account being reported on my credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax 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 a 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 item of information contained in my file at Equifax 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 need the accounts corrected XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Account information incorrect

How do I know that this account has been verified? There is no original creditor listed on file for me to verify that this account is mine! Account Number : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed that ELAN FINANCIAL have placed an inquiry on my XXXX credit file dated XX/XX/2022. On multiple occasions I requested ELAN FINANCIAL and XXXX to verify these inquiries. They have yet 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 U.S.C 1681 section 602 A. 

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  all XX/XX/XXXX 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 
Various calls and requests have been made to have them remove all these accounts per their violation of my rights with no replies and updates!
Complaint sub-issue: Information belongs to someone else

During XX/XX/2018, I disputed specific accounts and inquiries via mail that are fraudulent on my credit report. I am a victim of Identity theft and it is vital that all of these items are blocked and deleted.
Complaint sub-issue: Investigation took more than 30 days

The account is open fraudulently I dispute in XX/XX/XXXX and I don't get any answer from the bureaus. The account is impacting my credit score badly.