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

I have disputed unauthorized hard inquiries on my credit report. I was told that they will conduct investigation. It has been over three months since my first dispute letter, I have not provided any record evidence of " permissible purpose '' despite me requesting that multiple times. 
These wrong inquires have significantly affected my credit score and my ability to obtain new credit. Especially in this tough time of COVID pandemic, it has created excessive stress on me and my family both financial and emotional. 
I have to report this matter to CFPB, Attorney General and Consumer Advocates ( XXXX XXXX XXXX, XXXX ) after persistent non compliance from the credit bureau.
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 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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

Can not dispute credit report online via Equifax : https : /XXXX System security questionnaire reports incorrect responses despite me having all credentials readily available and being well aware of what is on my credit. This, in turn, blocks you from making any disputes online. This has been happening for at least three years in which the majority the time that I try to access the system I am denied access. Most recently on XX/XX/2019. If, according to Equifax, you inputted incorrect information in this questionnaire. Even more agitating is that you get locked out without any notification or second attempts. I have tried a day later to three days later with the same result before I can try again. This is unacceptable. 


It seems this has been a fraudulent practice implemented to push consumers into buying their credit products which have its own credit dispute system. 

There are two other options to dispute. Snail mail is not an option in 2019 ; it's ridiculous. Especially for time-sensitive issues that can take months to rectify. Requesting dispute by phone has not ever ended in me successfully completing a dispute. The representatives speak poor English and do not seem to comprehend clearly. it most likely ends up with them inputting incorrect information but that is speculation. 

There is something wrong with the systems code or database. Nothing a person could see without looking at the source code. It seems to happen when the questionnaire presents questions that do not apply to you and you choose 'none of the above. '
Complaint sub-issue: Personal information incorrect

I have many inaccurate addresses listed on my report. I only live at one address. Also I have multiple misspelling of my name on my report. I only should have one address and on name list on each report.
Complaint sub-issue: Account information incorrect

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ;.     XXXX   XXXX    XXXX  - Wrong balance, I have paid it down.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi XXXX XXXX savings account on XX/XX/21 after I was solicited by Citi to open the account due to being approved for an XXXX XXXX XXXX XXXX XXXX credit card. Per the solicitation, I was supposed to receive XXXX XXXX XXXX XXXX miles in exchange for depositing {$200000.00} dollars into the Citi XXXX XXXX savings account. The miles were supposed to be deposited 90 days after the funds were received. My {$200000.00} deposit posted two days after I opened the account. Citi repeatedly tells me that the miles will be posted soon but they continue to not to fulfill their obligation even though it has been almost 2 months since I fulfilled mine. Between this issue and Citi having withdrawal limits that almost make it impossible to gain access to your funds, the entire experience has been unacceptable.
Complaint sub-issue: Not given enough info to verify debt

I checked my credit report and found EOS CCA had been submitting a collection report saying I owe {$90.00} to XXXX XXXX bill. 

I called them to ask what it was for, and they told me for XXXX XXXX bill from 2008 or so. I let them know I have not had XXXX, and I asked why they had n't ever contacted me. They said they tried to previously, but I 've never received a message from them or any letter saying they were attempting to reach me. 

I requested verification of the debt from EOS CCA 3 months ago, and they still have not provided this. I called XXXX XXXX and they were not aware of this bill.
Complaint sub-issue: Their investigation did not fix an error on your report

I've been in contact with Equifax this regarding the disputes I've reported to them that falls unders SCRA and provided ample documentation for Due Dilgence on the accounts I've reported to them and also had to resubmit additional disputes today also once reviewing the account status that they weren't included in the original submission I've contacted Equifax numerous times to verify the accounts status along investigating the accounts properly and verifying that the creditor is reporting the accounts accordingly with federal guidelines and again they are not. This has continued to be mental anguish, stress, XXXX XXXX alot of sleepless nights. I've exhausted all avenues to resolve my accounts with them and creditors to hand the accounts properly.
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how toremove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION orhttps : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required toremove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in theblocking of the erroneous information which is being posted to my report. Here are the list of items which donot belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/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
Complaint sub-issue: Account status incorrect

Im opening this complaint because Im having an issue with my XXXX XXXX XXXX. Please see the following details : - Approximately a month ago Id learned the somehow XXXX XXXX XXXX was given a dispute letter which was intended for and submitted to XXXX XXXX. 
- First, I dont know how XXXX XXXX XXXX receives a copy of a letter pertaining to a loan that does not belong to them. 
- Secondly, I dont know why representatives at XXXX XXXX XXXX did not thoroughly read the letter upon its receipt as it named a private lender who it was intended for who is not XXXX  XXXX - Instead, XXXX XXXX XXXX has removed my Student Loan Information from my credit as of to date - That means Im now not getting fair credit reporting on students belong to me as I am still responsible for paying the bill each month - Ive now contacted XXXX XXXX twice regarding this issue. Once approximately in XX/XX/2019 and the other on today XX/XX/2019 - I dont remember who I spoke with in XX/XX/2019. The person I spoke with today is named XXXX. His ID is XXXX. 
- The reason has become a XXXX XXXX XXXX issue now is because XXXX  XXXX XXXX didnt read the letter for XXXX  when they first mistakenly received it. 
- Even after I called them about the mistake in XX/XX/2019, they still didnt get the manner handled properly This was so very simple and could have been avoided. All the original area /representative who received the letter needed to do is realize the letter was meant for another company ( private ) and not meant for XXXX XXXX XXXX . Instead, all or portions on My student loan information got removed from my credit report ( s ) which is very damaging as it has caused a major drop to my credit score  right during my home search and buying process. XXXX XXXX is now showing as a closed account when it is not. This is not fair to me as a consumer making payments on my XXXX XXXX accounts. Im not happy about this as Im sure no one else would be.
Complaint sub-issue: Public record

My, name needs to be added by Equifax to the : XXXX Equifax Information Services LLC, Settlement Administrator. 

According to Equifax I am a part of the lawsuit but my name has not been given to the settlement administrator.
Complaint sub-issue: Old information reappears or never goes away

EQUIFAX ALLOWED XXXX XXXX LOAN NO.XXXX BE RE-INSERTED 67 TIMES WITH OUT 5 DAY NOTICE TO CONSUMERS BY CHANGING ACCCOUNTYPE ETC..
Complaint sub-issue: Trouble with how payments are being handled

My student loan was due XX/XX/XXXX and was set up to be drafted on auto pay. I had to take my son to the emergency room which resulted in unexpected expenses and not enough money in my checking account for the draft. On XX/XX/XXXX Great Lakes attempted to take the payment 4 times and then 4 times again on XX/XX/XXXX resulting in XXXX of NSF fees. By the time my direct deposit came through on the XXXX, I was missing over XXXX dollars for a XXXX dollar payment.
Complaint sub-issue: Debt is not yours

Debt being reported to XXXX  is not mine. I have contacted IC System and XXXX  to no avail. The debt is invalid. I owe nothing to XXXX XXXX XXXX. This debt was satisfied with XXXX XXXX XXXX when I stopped doing my business with them.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022, I disputed a late payment to credit agencies and they did not delete the late payment. They reported incorrectly. XXXX XXXX XXXX XXXX which is my bank sent me copy of proof for late payment to be removed. I have copy of document. I spoke with agencies in past and they claimed they didn't receive copy. I'm having trouble with funding due to this matter which they are not following the laws.
Complaint sub-issue: Information belongs to someone else

There are some accounts listed on my credit report that are not mine, and or that I don't recognize. Please remove them immediately.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and public records listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXXXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : XXXX. XXXX  XXXX bankruptcy XXXX. THIS ITEM DOES NOT BELONG TO ME! 
XXXX # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

XXXX. Bankruptcy XXXX  XXXX. THIS ITEM DOES NOT BELONG TO ME! 
XXXX # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

Account # : # XXXX To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. 
I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. 
pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ).

15 USC 6801 - Protection of nonpublic personal information.

15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair and deceptive practices that DISCOVERBANK use against Consumers like myself.

The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
15 USC 1681 ( o ) - States Any person who negligent in failing to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any damages sustained by the consumer as result of the failure, and in the case of any successful action to enforce any liability under this section, the cost of action together with reasonable attorney 's fees as determined by the court.
Complaint sub-issue: Information belongs to someone else

IVE BEEN A VICTIM OF IDENTITY THEFT
Complaint sub-issue: Other problem getting your report or credit score

I recently had my credit reports pulled by a lender and realized that only XXXX was reporting my data. After much research, it was determined that there is a problem with my social security number. It appears that at some point the last two digits of my social security number were compromised, and now both numbers are associated with my information. 

Please be advised that the last 4 digits of my social security number are XXXX, but some reports have it as XXXX. This error is having a detrimental effect on my ability to obtain credit and needs to be corrected IMMEDIATELY.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

6 Tickets were purchased for XXXX XXXX at XXXX XXXX in XX/XX/XXXX using CITI credit card for {$440.00}. Tickets were never mailed to customer. Customer contacted XXXX XXXX in XX/XX/XXXX to inquirer about tickets being mailed. XXXX XXXX advised customer that order was cancelled and credit card was refunded. XXXX XXXX NEVER notified customer that order was cancelled. Customer called CITI financial to inquire about REFUND. CITI Financial claimed a REFUND was never issued. CITI Financial will not assist further due to being outside of 60 day window to file a claim. Customer has all statements from last 12 months and no REFUND is showing. Customer sent this information to XXXX XXXX 30 days ago. XXXX XXXX have not responded to customers situation through email and phone number provided is discounted. Total amount in question is {$440.00}. Customer still had to pay amount for an event that he doesnt have tickets for.
Complaint sub-issue: Having problems with customer service

The loan was sold by XXXX to Discover, ever since Discover has canceled my autopay eight times, set autopay up to the incorrect checking account three times, input the incorrect addresses ten times, and now has increased my payment amount with no notification and will not change the amount that my autopay is for regardless of four attempts to have it changed. They instead are sending me late notices for {$5.00}, imposing late fees, and reporting late payment to the credit bureaus. 

In my opinion they are committing fraud by refusing to change my autopay amount to the correct amount and instead trying to collect fees. There is no way for me to change the amount myself, it is something they need to do.
Complaint sub-issue: Information belongs to someone else

Equifax blatantly ignored 1st request to block accounts that are a direct result of Identity Theft and ignored 1st CFPB complaint re : Identity Theft and accounts reporting a direct result of Identity Theft. Equifax sent me another letter dated XXXX stating cant block accounts as don't have the required info to prove my identity. That is not true as I have submitted this twice to them. 

I placed an extended fraud alert on my Equifax credit file on XXXX and placed a security freeze in XX/XX/2022 as a result of Identity Theft where my SS # was linked to another name and address. On XX/XX/2022 I mailed in XXXX detailed pages requesting information on my credit file be blocked as a direct result of Identity Theft, including all completed and submitted Identity Theft Reports to the Federal Trade Commission, my driver 's license, SS card, and recent utility bill for proof of identity and proof of address. On XX/XX/2022 I received a letter from Equifax stating they are r3efusing to block any information as they need proof of identity and completed submitted Identity Theft Reports with the Federal Trade Commission. ALL OF THIS WAS IN THE XXXX PAGES I MAILED TO EQUIFAX ON XXXX!!! They just blatantly ignored this!!! This is wreaking havoc on my entitr4e credit file and I have been denied several things due to EQUIFAX 's blatant negligence in correctly reviewing my info and blocking information resulting from Identity Theft. I have again included all of this.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022, I sent a notice to Equifax to investigate accounts, inquiries, and late payments that I believe are being reported inaccurately. To date, have not heard back from Equifax regarding this matter. 

I understand the statutory time period of XXXX ( XXXX ) days for verification of items on a consumer report however, the FCRA also includes what should be excluded from a consumer report. Therefore, no investigation is needed, nor should it take XXXX days to correct the information provided. 

To date they have not complied with the Fair Credit Reporting Act by not deleting the disputed items from my credit report. They are not in compliance with their own policies. 

I did not give any written instructions for this information to be reporting which is a direct violation of 15 U.S.C. 1681b ( a ) ( 2 )
Complaint sub-issue: Frequent or repeated calls

Macy 's credit card credit collection calls me from XXXX different numbers ( XXXX XXXX XXXX and ( XXXX ) XXXX. The phone calls start from each number as early as XXXX and have been harassed by calls 5 times or more a day. I have arranged a payment date and am still being called repeatedly. The charge is for around {$100.00} and have never felt so harassed by a credit company in my life. This is starting to disrupt my personal life by being inundated by calls. One day the Ohio number called me four times in a row.
Complaint sub-issue: Debt is not yours

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, DISCOVER BANK failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
DISCOVER BANK Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
DISCOVER BANK Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$2200.00} XXXX/XXXX XXXX {$410.00} XXXX/XXXX   XXXX {$420.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These inquiries were posted, and unknown to me, on my credit report : EQUIFAX XXXX XXXX, XX/XX/XXXX. XXXX XXXX XXXX, XX/XX/XXXX. XXXX/XXXX, XX/XX/XXXX. EQUIFAX XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX.
Complaint sub-issue: Information is not mine

I have been fighting with Equifax for 2 years to remove this unverified debt from my credit profile. XXXX, XXXX XXXX have also asked Equifax to stop reporting this false information and they have failed to do so. I '' m looking to have this removed asap