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

RE : Confirmation #  XXXX  I 'm complaining because Equifax have failed to comply with, furthermore wilfully ignored, my requests to provide me the documents that their company have on file that was used to verify the accounts that I wrote them to dispute. On  XXXX   XXXX ,  2017 , I sent them my dispute letter requesting that they verify all data for the disputed account and I 've yet to receive anything of the sort. Because its been well over 30 days and they are unable to verify the account, the Fair Credit Reporting A ct Section 611 ( 5 )  ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely, the account I wrote to them to investigate and verify since  XXXX   XXXX ,  2017 .     I beseech you to resolve this matter with urgency as my character is being defamed by their wilful non-compliance. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

This complaint is being written due to the multiple violations I have experienced with the credit bureaus! There has been fraudulent activity on my reports that they neglect to remove! I have called in and sent letters and have not gotten any responses! The information on my credit report is not 100 % accurate. Multiple clear violations which are purposely being ignored totally violating all the rights. This is not okay in any way and my research lead me here. I am hoping with this complaint I can actually finally makes some progress in removing this fraudulent activity off of my credit report! 

I appreciate all your help in this matter!
Complaint sub-issue: Their investigation did not fix an error on your report

Account Info Account Name XXXX XXXX XXXX Account Number XXXX This is on my credit report twice and it has been reported from a debit company that bought the debit. So it is on my XXXX report 3 times.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Transaction was not authorized

I am XXXX and have been on a fixed income for the last few years whole I'm waiting to have my last XXXX XXXX done that will help improve my quality of life and hopefully allow me to go back to work. However, as of right now I have lost my place to live, so I am XXXX and I haven't eaten in 2 days. Why? Because on XX/XX/XXXX and XX/XX/XXXX there were several unauthorized transactions that occurred from 2 different hotels, a XXXX transaction, and a merchant called XXXX which I found out is an online auction site. These charges totalled {$570.00}, which is almost half of what I receive to live on each month all month long. I contacted XXXX XXXX ( XXXX XXXX ) and they said I needed to fill out their fraud questionnaire and send it back within 10 business days to receive provisional credit if the investigation wasn't complete. I received the paperwork on the XX/XX/XXXX and faxed the paperwork immediately the same day. I also faxed it again on the XX/XX/XXXX and again on the XX/XX/XXXX because each time I called to check the status of my paperwork they kept telling me they had not received it and just to re fax it and once it was received, my account would be credited. It was not until this afternoon of the XX/XX/XXXX I finally got to speak to a supervisor who advised me they still had not received my fax and because it was not within 10 days I would not be receiving a provisional credit. I explained I've been waiting on this for almost 3 weeks already, I've faxed the paperwork 3 times and the first 2 times within the 10 business day time frame so how can they deny me money that was wrong fully taken from me and is rightfully owed to me? I am attaching proof of the facsimile transmission that shows I indeed faxed the paperwork when I said I did and I am going to mail the paperwork in as well but I can't even afford to feed myself, much less stamps and envelopes. Ive lost so much because of this, and all I want is to try and get my life back to normal and get what's rightfully owed to me. It's not fair that I should be punished because this financial institutions employees aren't doing their jobs and making sure my paperwork was processed properly.
Complaint sub-issue: Account information incorrect

XXXX XXXX is constantly pulling my credit report without my permission as a hard inquiry. I received my credit report from all three credit bureaus. I spoke with Equifax and send them a certified letter and told them that my information has been hacked. That the inquiries that they have on me is wrong. I have not applied for any credit. I call XXXX XXXX and All the other inquiries on my report and they told me that they did not run my information and that they have no information on me. I ask Equifax to remove all of the Hard inquiries that they have on my report and show and send me documentations of what they have. They told me no that they can not remove it. Equifax is letting any and everybody run my credit and not verifying anything. My credit score has drop and making it hard for me to make it. I was and still a victim of identity fraud. Every since people information got hacked from Equifax my life has been a living XXXX for 10 years. Equifax has messed up my life. I have told them in writing by a certified letter and have spoke with them about this and they refuse to do anything about it. I am trying to find a federal attorney if one available I am here ready to move forward. 10yrs I can not take anymore.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute with the credit bureaus ' XXXX, Equifax and XXXX  on XXXX and have not received any response from any of the companies they have violated my rights as a consumer under the FCRA 15 usc 1681 they have violated my privacy and have furnished accounts without my written consent
Complaint sub-issue: Their investigation did not fix an error on your report

Due to the laws of my state of New York, as of XX/XX/XXXX, the updated The Consumer Credit Fairness Act of XXXX, the debt with account number XXXX that XXXX company is claiming to be owed is 7 months past the 3 year statute of limitations. As per the law pertaining to my state, this dated listed with XX/XX/XXXX date as seen in attachment, all collections activity for this debt must stop which includes, mail, credit reporting, phone calls etc. If your company continues any form of debt collection including but not limited to credit reporting this case will be brought to the attention of NY state attorney general and also your company 's home state 's attorney general. The CFPB is a third party witness as a communication channel to this debt collections company. As credit reporting agencies it is your responsibility to report information correctly for consumers as per FCRA ; 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES From Title 15COMMERCE AND TRADE CHAPTER 41CONSUMER CREDIT PROTECTION, I have previously disputed this debt and brought it to your attention. During your investigation it should have been brought to light the updated NY laws and how it could affect this particular debt that is dated XX/XX/XXXX, this is either gross negligence or misconduct, as a protected consumer I need some sort of timely resolution for this matter. 

Please see attached : 1. Reference of US Law 2. NY State ID 3. SSN document 4. Credit Report ; XXXX 5. Credit Report ; Equifax
Complaint sub-issue: Debt is not yours

I don't know the dates I was informed 2017 and that the debt was with XXXX XXXX XXXX XXXX and managed by a " XXXX XXXX '' who I have learned is retired from XXXX XXXX and the hospital was acquired by XXXX XXXX. I was informed when calling XXXX XXXX XXXX XXXX billing that the debt does not exist.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern : On XXXX XXXX, I sent a certified letter to Equifax. The letter outlined how these 3 accounts were reporting wrong. I also sent my full credit report to them. I even went as far as circling these errors for their review. 
The report shows Equifax, that XXXX, and XXXX  were reporting that account # 's XXXX XXXX XXXX, as being Discharged in Bankruptcy. 
Equifax, as of XX/XX/2020, is reporting the selected accounts as being Charged Off. 

When these accounts were disputed with Equifax, the accounts were updated with erroneous status information. 
How can these accounts go from Included in Bankruptcy, to a Charge Off :? 
I would like to know Equifax 's method of verification. According to Equifax, these accounts were verified with the original source to be accurately reporting. If this statement is true, why did the status change from Included in Bankruptcy, to Charge off? 

After a Bankruptcy is discharged, the original creditor 's relationship is severed with the debter. No further reporting is required. Especially if it is reporting erroneous information out of spite towards the debter. 


In conducting any re investigation under paragraph ( 1 ) with respect to disputed information in thefileof anyconsumer, theconsumer reporting agencyshall review and consider all relevant information submitted by theconsumer. This did not happen. 

It is obvious that Equifax did not examine the enclosed supporting documentation that I sent them. There was no investigation by them. The e-oscar system does not take into account that the consumer might need an actual person to examine supplied information, to the bureaus, that could rule in the favor of the consumer. E-oscar only repeats the same negative information that is unverified with the original creditor. 

It is beyond belief, that with the current laws that are written to protect the consumer, that credit reporting agencies can be allowed to report information, that they physically did not verify. And if Equifax would have done an actual investigation, they could have seen that the discrepancies were very obvious to anyone that cared enough to view them. Equifax has failed to protect the consumer, from companies that report old or outdated information. 

I have enclosed the same report, that I originally supplied to Equifax. 

I pray that I have been clear.
Complaint sub-issue: Personal information incorrect

I submitted a letter to Equifax, XXXX, and XXXX on XX/XX/2021 to update my personal information and remove the inaccurate. The information has not updated and I haven't received a response.
Complaint sub-issue: Trouble with how payments are handled

Nelnet continue debiting my account after the loan was paid-off. They overcharged my account by {$400.00}. They claimed that it will take them 4-6 weeks to refund me.
Complaint sub-issue: Didn't receive terms that were advertised

I responded to promotion in which if you have a Key Bank Credit Card and you open a Savings Account {$200.00} will be added to your account. I entered promo code and opened account as stated and the {$200.00} was never added to my account. Not sure of promo code but it was on or about XX/XX/2018 that I responded to PROMO. Ive repeatedly reached out to company with no response They did respond to my last email, 'XXXX XXXX stated that the case had been submitted to the Executive Offices that was on XX/XX/XXXX. Have heard nothing since then.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I submitted a complaint regarding a federal student loan account that is serviced by a company named Nelnet. The reason for my initial dispute with this company as well as XXXX, was against the inaccuracy, incomplete and unverifiable information that is being reported on my consumer report pertaining to payment history. I submitted a complaint to Nelnet, XXXX, XXXX and XXXX. I am still awaiting the results of my dispute and investigation from XXXX and XXXX. However my case was closed by Nelnet and XXXX and deemed as accurate. My question to Nelnet and XXXX is how did you come up with the findings of your investigation? I asked in my previous complaint to be mailed with any and all documentations proving your claims, which you guys failed to do. My second question is how could a violation of the law be accurate? According to Cornell 's law, U.S. Code 1681a 2 ( a ) ( i ) it clearly states that transactions and experiences between the consumer and person making the report should NOT be included on a consumers report. Please explain to me why you feel you are above the law? I have also brought your unlawful acts to my attorney generals attention.
Complaint sub-issue: Information belongs to someone else

I had been disputing the mentioned account with the Credit bureaus for the past 2 months. I dont understand why this account is on my report. The account does not belong to me. 

On XX/XX/2020 around XXXX I contacted XXXX XXXX XXXX , after received from the 3 Credit Bureaus the results of the disputes were the account came as verified and accurate. I spoke with XXXX, Employee # XXXX. I mentioned about the mentioned account provided the account number so she can bring to me more information. She asked me about my personal information such as full name, date of birth, social security number, address and phone number. After I provided all the info, she told me that she cant share any info about the account because the information on her records doesnt match. 

I contacted the Federal Trade Commission and filled an Identity Thief Report. The report number is XXXX. See attached.
Complaint sub-issue: Attempted to collect wrong amount

I took out a loan with Rise credit for XXXX when and submitting the paperwork - it stated the estimated payment would be XXXX every two weeks. I have now been told that the payments are fluctuating because that first payment was only one day of fees. That was not disclosed and is completely unfair. I cant possibly afford fluctuating payments like this! 

I attempted to talk to there customer service department and there collection department, they only explained the payments fluctuate. What I want is to pay the XXXX every two weeks without compounding interest. 
From what rise is charging on a XXXX loan I would pay back close to XXXX - I need help and if I pay the XXXX every two weeks I will never get out of the hole the are putting me in. 
This company is robbing people!
Complaint sub-issue: Public record information inaccurate

On XX/XX/2018 & XX/XX/2018 I submitted very specific disputes to LexisNexis regarding the public records item below. Their completely unrelated responses are included with this complaint. Additionally, I sent a XXXX late complaint XX/XX/2018 with no meaningful response. LexisNexis is in violation of FCRA regulations and per FCRA are obligated to remove this item from their report : XXXX BKPT CT IL XXXX
Complaint sub-issue: Deposits and withdrawals

I just opened up my XXXX  Checking account and I just found out I have to wait two days for them to unlock my account and then I was transferred to the fraud department and their recording said they are closed. This is unbelievable. I just cashed my cashiers check at the bank for XXXX. I have made arrangements and have bills to pay. I dont understand why they wait till the end of the day to lock my account up leaving me with no access to my money and no answers. Is this how our banking relatiionship is going to be then I do not want my money at US Bank. I can not be going through this. How the bank just says oh wait a couple days for them to review it and unlock it or not. Are you serious. Either someone needs to call me back and provide me access to my account or I need to have this account closed and take my business to a bank who can be customer focused and more professional with me. So here I am left with all my money tied up the same day they made it avaiable to me. I am hoping this is a mistake and someone will call me back and fix this right away. My account number is XXXX. My social security is XXXX.
Complaint sub-issue: Information belongs to someone else

Right now I am bothered! This is my last and final attempt to sent a complain in the 3 BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$360.00}
Complaint sub-issue: Received bad information about my loan

I have a school loan through AES .. My college I attended XXXX XXXX in New York is where my loan originated .. Since the inception of my loan, the loan company has had the wrong date of birth on my loan including the promissary note from the loan. Still they have been paid by me, and have been speaking to me without knowing my identity for sure. My loan has been in a different date of birth yet they continue to seek info from me, and now that my loan is in status of going to collections from being unpaid, for medical reasons I could not pay, they refuse to even comment or speak to me about my loan, after I sent them my license 2 times to confirm my identity .. So now I can not secure a payment plan
Complaint sub-issue: Information belongs to someone else

Equifax fails to indemify identity theft accounts by placing a block on those accounts in accordance to the FCRA section 605 ( b )
Complaint sub-issue: Information belongs to someone else

Incorrect information reporting on my credit report.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Citi/XXXX cards is 6 months past due and according to company the debt has been charged off. The last statement received had a due date of XX/X/17. I called the company before the due date to request a payment solution as stated on the statement. The company representative stated during the call that there was nothing they can do with the account since it was under review. Apparently, during a review Citibank will not discuss payment solutions or even take a payoff over the phone or web. My only option was to send a check to a company address and hope for the best. I escalated to a manager to speak with internal contacts. They refused to provide contacts to assist with a payoff plan in order to have the issue settled before the due date. I can provide the statement as backup to this complaint. I do not think an account should be locked out and possibly sent to an collection agency if the customer is seeking to resolve the issue at hand.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX  XXXX XXXX XXXX : {$2400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX : {$4000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$9000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I received notification from Equifax that information was updated on my report. The creditor reported inaccurate information that hurt my score significantly. They reported that my account was 90 days late on an account for the month of XX/XX/XXXX. The account was closed over two years ago and paid on XX/XX/XXXX. When I called the rep. He explained the account was in dispute and the case was not closed. But when I provided proof that his own agency reported the update from the dispute. He questioned how could that be possible if the case is still open. I provided proof from the company itself as well as FICO. He refused to help me by saying I had to wait until the dispute was finished. But I explained if the dispute was still open how could they report an update on the account in question in regards to my dispute status. I have provided images showing the dispute being updated by Equifax on this date. If they do not immediately fix this mistake I will take legal action. Their lack of concern was disheartening.
Complaint sub-issue: Information belongs to someone else

After reviewing my credit report, I have identified an inaccurate account that does not belong to me. This account has caused tremendous hardship on my credit. Please re-investigate the inaccurately placed item on my credit and have it deleted immediately.
Complaint sub-issue: Attempted to collect wrong amount

Payment history isnt included. They stated this debt was just opened back in XX/XX/XXXX but this debt was over 5 years old and on credit report it has only amount and doesnt have payment history or what kind or last payment which was XX/XX/XXXX or XX/XX/XXXX. Disputed with XX/XX/XXXX and they said it's all correct but ita srill.missing slot and now has resulted my family and I live in a hotel because they put this is new when in fact its old.
Complaint sub-issue: Personal information incorrect

Between credit reports that I have from Equifax dated XX/XX/XXXX and XX/XX/XXXX, Equifax added the numeral 2 as a suffix to my name. I have requested that they remove the numeral 2. I can not get into the web site as they only show valid suffixes as roman numerals, i.e. II. In other words no way to input a 2, using roman numeral does not work. 
I have never had any suffix. Both Equifax and XXXX have no suffix for me. I have provided Equifax copies of drivers license and social security card. still they will not correct what they did in error. 
This is their error.