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

I have sent a direct dispute via certified mail to the credit reporting agencies, XXXX EQUIFAX AND XXXX on XX/XX/2021 and XX/XX/2021. According to XXXX XXXX XXXX each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. As the direct dispute ive submitted you can see that the furnishing companies are not reporting accurate information. XXXX XXXX XXXX ( XXXX ) states that any information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity should be investigated ... .. considering it has been well over XXXX  days, now XXXX  days and the credit reporting agencies aren't looking into the matter, I demand the items to be updated on my credit report asap.
Complaint sub-issue: Their investigation did not fix an error on your report

So I sent out a letter to the three major credit bureaus about 3 months ago and didnt hear back from them. I decided to submit a complaint with the CFPB and only one credit bureau decided to actually fix the incorrect reporting while it seems the other bureaus do not care about the law or they think they are above it. I dont understand how one bureau can delete everything, one bureau delete some and the other delete nothing at all. Im confused at how this can continue to distrubt my life.
Complaint sub-issue: Overcharged for something you did purchase with the card

I went to XXXX XXXX with some girlfriends who had the exact same problem as I am about to describe. Each time we took a cab that was supposed to be around {$20.00}, they charged around {$850.00}!! We called our credit card companies and the two girls I was with had no problem! The credit card company marked it as fraud and handled it. But I did not have the same experience. My US Bank card keeps insisting that it is a valid charge. What cab ride would cost {$850.00}??? I have three charges for transportation : {$920.00}, {$860.00} and {$840.00}. All charges were on XX/XX/18 and the three signatures do NOT match my signature. You can tell they obviously had my signature and tried to forge it. I can not tell you how many people I have spoken with at Cardmember Services - and how many HOURS I have been on hold!
Complaint sub-issue: Information belongs to someone else

This account don't belong to me. Please remove this from XXXX and XXXX. Please see below the account that is reporting derogatory on XXXX and XXXX 1. Identity Theft XXXX XXXXXXXX Bankruptcy Case Number : XXXX This is not mine.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX XXXX Account # XXXX Im filing a complaint because this is not a valid debt and it shouldnt be in collection. This bill is stemming from a disagreement over an early termination fee. I was told in person by a representative that they had to put me in a contract for a promotion to take effect but that it would not have an early termination fee. They went over that two times to my face in person. I did not read the fine print because I completely trusted the representative. I cant help but feel completely duped here since I was misled by one of their Customer Support. 

I am in a very difficult situation now, being the only provider for the family. I have to work hard and provide everything for them. I have a sick mother to take care of and I need to buy a home that can accommodate her medical need and one that is in closer proximity to the treatment center she visits weekly. This collection account on my credit report is the only thing that is preventing me from moving forward on this. Its beyond frustrating.

I would sincerely appreciate if they would submit a request to remove this account from my credit history.
Complaint sub-issue: Information is not mine

A collection agency put my ss number to someone else name and charged me as the account holder which is not true dci consultants and they are horrible
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX  is reporting an old account on my credit file incorrectly across the 3 credit bureaus. This inaccurate reporting is very damaging to my credit report. 

the account is being reporting different to each bureau - EACH BUREAU HAS INACCURATE REPORTING BY XXXX XXXX XXXX ( SEE ATTACHMENT ) XXXX  XXXX - 17 late payment reporting including 6 months of being reported as XXXX Equifax XXXX - 5 late payments, ON TIME payments for XXXX and the account was charged off XXXX SEE ATTACHMENT ) XXXX XXXX - NO DATA XXXX XXXX is reporting this account different to each bureau ( SEE ATTACHMENT ) to XXXX they report 30-120 day lates from XX/XX/2017 to XX/XX/2017. From XXXX XXXX XXXX they are reporting XXXX To Equifax they are reporting that i was paying on time. XXXX has no data. 

this inaccurate reporting has been going on for years, under the FCRA I'm entitled to fair and accurate reporting to all three credit bureaus.
Complaint sub-issue: Debt is not yours

I have attempted to resolve the following issue with the company listed on multiple occasions. They are attempting to collect on a debt not owed of XXXX for medical. I have not any record acquiring of such debt, nor has the company provided any proof of validation or signed documentation that we have ever done business. I have requested that they remove the following item from my report and they have failed to comply or provide a response to my request.
Complaint sub-issue: No notice of investigation status/result

Equifax has ignored my request to provide me with documents that their company has on file that were used to verify accounts that I disputed. Being as though they have gone past the 30 days allowed and that they did not provide me with my contracts with my signature, they are required to promptly delete, under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 7 ).
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX. XXXX XX/XX/XXXX case was closed with XXXX balance. XXXX XXXX. XXXX XXXX, XXXX for XX/XX/XXXX from the insurance payment balance XXXX settled for XXXX. From XX/XX/XXXX to present the account is considered late and open. 
In accordance with Federal credit reporting Act this creditor credit acceptance has violated my rights under 15USC 1681 Section 602 states that I have a right to privacy. 15USC 1681 Section 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment under a open consumer credit plan as late for any purpose.
Complaint sub-issue: Reinserted previously deleted info

According the XXXX XXXX XXXX in XXXX XXXX XXXX, public information such as Bankruptcy or judgements are not shared with any credit bureaus. I recently disputed a bankruptcy, docket XXXX, with all XXXX bureaus, XXXX and XXXX both investigated the information and found it to be inaccurate, unverifiable or incomplete and DELETED it. According to the FCRA, all data found unverifiable, incomplete or inaccurate must be shared between all XXXX bureaus and are to be removed if errors are found by XXXX bureau..I provided Equifax with the results of the investigation from the other Bureaus and they have ignored the results of the investigation and have knowingly reported unverifiable information. They never provided me with the method of verification including, name phone number or address of the furnisher, this is a clear violation of my rights under the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

For months, i have been asking XXXX  & XXXX  to comply with my disputes. Both companies are reporting a bankruptcy on my credit report. Both Companies have said they verified their information from LEXIS NEXIS. However not only is it an FCRA violation to seek information from third parties companies, Lexis Nexis has already sent a letter to me saying this information was UNVERIABLE and is NO LONGER in their system. However BOTH companies are still saying they verified the information from lexis nexis. 

furthermore, its been months of the same thing, and i have had no choice but to hire an attorney to initiate a law suit against the non complying company.
Complaint sub-issue: Account information incorrect

I have tried to work with the Credit Bureaus more than once, i have sent several attempts to ask for proof of validation of accounts and they have refused to provide me with Proof. The law states that they must provide with proof if they can not they must delete from my credit or update what needs to show properly on my credit and they fail to do so. I tried my best to work with them but they are not being fair and not following the LAW. I have been trying to work with them Since ( XX/XX/17 of this year that is a total of 4 months of this going on. ) I ask CFPB to help me look further into this matter.
Complaint sub-issue: Problem making or receiving payments

On XX/XX/XXXX, I used KeyBank 's online BillPay service to send a check for {$74.00} to XXXX XXXX XXXX. According to KeyBank, XXXX cashed this check on XX/XX/XXXX. However, XXXX  denies ever receiving this check, even after Key sent proof that the check had been cashed. 

I filed a first dispute with Key on XX/XX/XXXX. I later received a notice in the mail from Key that they had closed the dispute because " XXXX had received the payment. '' However, the payment that XXXX had received was from my XXXX credit card, not from Key. ( I had made the 2nd payment to XXXX using my credit card to avoid late fees on my account ). 

I filed a 2nd or 3rd dispute with Key in XXXX. After being told by XXXX between XXXX XXXX and XXXX XXXX that they had researched their records and found that they had never received or cashed the check from Key, I spoke with XXXX at Key on XX/XX/XXXX, who said the dispute " has definitely been escalated now '' and I should see resolution within 90 days. She gave me the call reference no. XXXX. 

When I called several weeks later to check on the status of the dispute, I was told by Key that I would need to visit my local branch to continue the dispute. During a conference call with both XXXX   and Key at my local KeyBank branch on XX/XX/XXXX, it was finally determined that the check had indeed been cashed, but not by XXXX. Someone suggested the check had been stolen from a mail tray at XXXX. I was told the matter would be referred to Key 's fraud department, and I was told I would receive a notice in the mail within 90 days of their findings and what action they would take. 

I heard nothing more from Key after this. When I called the Key 's fraud department on XXXX XXXX, XXXX, to check the status of my complaint, I was told that it was not a matter for the fraud department, and I needed to call Key 's Online Banking department. I did, and was told by XXXX XXXX would have to file yet another dispute. XXXX also told me she had no record of any dispute except for the first one I filed on XX/XX/XXXX. It appears to me that Key is not interested in helping me with this, and that by telling me to file dispute after dispute and to wait 90 days in between, they are hoping I will give up.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Victim of identity theft here. 

On XX/XX/2020 I received a notice on XXXX XXXX of a " XXXX XXXX XXXX '' hard credit inquiry through Equifax. 

XXXX XXXX does not provide a dispute mechanism and they referred me to you. 

Can you please assist? 

Thanks
Complaint sub-issue: Information belongs to someone else

Despite the multiple complaints I submitted to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Per FCRA Section 605b, the Credit Bureaus are required to remove any account and information that resulted from an Identity Theft. I have reported the theft of my identity to the FTC and attached copies of the FTC 's Identity Theft Report. Kindly delete these information on my Credit File that were opened due to Identity Theft ; Name : XXXXXXXX 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 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 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 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: Public record

The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien. 

Equifax states that they have investigated the information and found the information to be accurate, which they would find it is not if they verified the information through the Ohio Attorney General ( lienholder ). 

What method of verification is Equifax using? Are they using an automated system or actually calling the Ohio Attorney General to verify the information that I 've previously stated? A tax lien is a big deal and it 's inappropriate for due diligence not to be acknowledged for the sake of saving time. 

My complaint was not whether or not the lien could be verified. The complaint was that the agency has not abided by the lien holder 's request to remove the lien from my credit report, as XXXX and XXXX has already done. 

The agency is using simply using a program to scan for information as to calling the Ohio Attorney General 's office directly and verifying that they have, in fact, requested that the lien be removed from all credit reports -- again to which all have complied except Equifax. 

The Ohio Attorney General can be reached at ( XXXX ) XXXX to verify that the lien should be removed. Please do the due diligence required in this matter.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Account status incorrect

the company reported information that was not accurate or mine and after several time of disputing this information still on credit report also some of these disputes were in review for over 90 months
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute with Equifax in regards to XXXX XXXX XXXX XXXX placing a collection account in the amount of {$1800.00} on my credit. I could not find my legal documents at the time so I was not able to attach them to the dispute. I submitted the dispute and the next day Equifax said they completed their investigation and that the amount shown is accurate. Stunned that this happened, I called my attorney in which he stated that they were not supposed to do this, as we won the case against the apartment complex. They forwarded me the documents needed to send to Equifax proving that this collection account is not valid. I then opened up a second dispute with Equifax attaching the required documents as requested and submitted the dispute assured that now they would read the documents and fix this error. The very next day I was notified that Equifax has " completed the investigation '' and that again the " amount was accurate ''.
Complaint sub-issue: Debt is not yours

I have notified the credit bureaus in regards to these negative items being reported on my credit report. I have no knowledge of this account and I asked numerous times for it to be removed. XXXX and XXXX has already determined that the accounts does not belong to me in which they deleted the items. Equifax is the only bureau still reporting these inaccurate items. I was a victim of Identity theft in which I have submitted my FTC complaint as well as a police report to validate. A ton of inquiries and collection accounts showed up on my report and they should not be there. 
XXXX XXXX has not responded with the any documentation bearing my wet ink signature nor have they provided any proof of this alleged debt.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 Equifax was XX/XX/XXXX, 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 inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Debt was result of identity theft

From my limited understanding, someone opened a XXXX account under my name on XX/XX/2020 and spent {$3400.00}. 

The original creditor is XXXX. Currently the creditor is Jefferson Capital System. One of their debt collector agencies contacted me a few months ago. I informed them the account was not mine. The account was opened under an email, physical address, and phone number that did not belong to me. 

XXXX  has already blocked the account from my credit score report. XXXX  denied my request to block the account from my credit report. I filed my dispute with XXXX  today. 

XXXX  requested further information from me in order to block the account. They were not specific as to what information they required. I hope that this complaint will help me continue to contest this fraudulent account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We have received a message from Fidelity credit card that there were activities on our credit card that appeared to be fraudulent. The case # was indicated as XXXX. We were asked to call tel. no. XXXX to confirm or deny those transactions. We called the number but cold not understand the identity of the charging companies. We attempted to go on line to our account and check for those transactions. We could not get to the account receiving a message that there is a " technical difficulty '' to access our account and gave the number of technical support. We called technical support but they refused to unblock the account. So, we could not neither confirm nor deny the transactions.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report and I have multiple fraudulent activities which is stopping me from obtaining credit.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2022 I mailed Equifax requesting removal of unauthorized inquires and incorrect information. As a result of that my online access to access my Equifax account has been blocked and I am not able to log in and see any of my credit information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received my XXXX credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX and DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX. 

I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days. 

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

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I have already disputed this item on XX/XX/XXXX, and XX/XX/XXXX, but the bureaus did not remove it nor prove validation to me. 

XXXX - Account XXXX : XXXX