Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took too long

I reported a re-investigation for inaccuracies on XXXX accounts reported by EQUIFAX ( XXXX ). I never received this report from EQUIFAX and it is well beyond the 30 day time line. EQUIFAX started their investigation on XXXX/XXXX/XXXX and said report the XXXX was completed XXXX/XXXX/XXXX but I never received it. I called in to inquire about the status after waiting 45 days and the Customer Service Rep said she would mail out the results, which never came. I mailed a follow letter asking about the status of XXXX with a follow up investigation report. On XXXX/XXXX/XXXX Equifax opened up XXXX new dispute cases XXXX and XXXX. The dispute XXXX was completed XXXX/XXXX/XXXX and was not resolved with any resolution on information on where and how they received verification. The dispute XXXX was completed XXXX/XXXX/XXXX with no resolve or update. I did not request XXXX more separate disputes. I wanted the results to XXXX. 

Please assist me with what steps I can take to follow up on this issue.
Complaint sub-issue: Reporting company used your report improperly

the credit bureaus are required to have a copy of my signed agreement/contract in their procession. When report accounts to my credit file. Based on FCRA SECTION 609. The bureaus don not have the required documents as set by law, to report. The reporting violations carry a of {$1000.00} per violation and also additional damages. the account have been reported and the credit bureaus, have been harmed me, by not validating the debts and not having the required, documentation, before report and to this date. The documents are not in their procession. The following accounts have been reported in violation : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX {$210000.00} balance.
Complaint sub-issue: Personal information incorrect

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

on XX/XX/2017 I SUBMITTED A IDENTITY THEFT AFFIDAVIT REPORT ALONG WITH DOCUMENTS TO BLOCK THE INFORMATION DUE TO FRAUD. XXXX & EQUIFAX REFUSE TO BLOCK IT. THEY SAID THEY WONT BLOCK IT BECAUSE THEY BELIEVE I MADE A MISTAKE. SO I RESUBMIT IT AND TOLD THEM IT WASNT NO MISTAKE AND THEY STILL REFUSE TO BLOCK IT. XXXX SAID THEY DO NOT HONOR THE FTC IDENTITY THEFT AFFIDAVIT. THEY ALSO REFUSE TO BLOCK THE INQUIRIES AND REMOVE THE FRAUDULENT ADDRESSES.
Complaint sub-issue: Information belongs to someone else

Today XX/XX/2019 I found out that someone has been opening accounts with my personal information without my permission. I found out because I was checking my credit report before going to buy a new car and I saw accounts and inquiries that do not belong to me. I never opened any of those accounts and I never gave anyone permission to open them in my name. I have already filed a police report. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit nor am I affiliated with any of those companies in any way. I do not have any written/verbal contract with any of those companies and I never allowed them to run or view my credit file.
Complaint sub-issue: Old information reappears or never goes away

Fedloan is one company and if you miss one payment, they'll report each and every semester youve received a loan for seperately ... so one payment missed will equal to approximately twelve late payments reflected on your credit report ... which it's literally Credit Report extortion.

Extortion by the Federal Government is the worse..then if you try to consolidate to make it one loan to avoid the games. It's literally double the amount owed once you incorporate the interest.

XXXX  ... .just sad practices .with no light at he end of the tunnel.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

Submitted a credit inquiry application without my permission
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt is not yours

Thiscomplaintsubmission is in regards to a false credit report by ENHANCED RECOVERY COMPANY ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with two different representatives who were extremely rude and stated I am responsible for this debt then hung up the phone. I then spoke with another representative who gave me their company email number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through a response by an ERC representative that they had received the files ; however, after 30 days of notifying them, still no response. ENHANCED RECOVERY COMPANY ( ERC ) then removed themselves from my credit report. After a month went by, ERC then reported again to the 3 Credit Bureaus and also violated our CEASE & DECIST agreement. At this point in time ENHANCED RECOVERY COMPANY ( ERC ) has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$390.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am requesting ENHANCED RECOVERY COMPANY ( ERC ) immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX  ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. ENHANCED RECOVERY COMPANY ( ERC ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX fico  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX  say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Account status incorrect

Payment was made and acct paid and it still show delinquent on file and has been taken off of other credit bureaus and not XXXX XXXX they wont take it off I have tried several times and its almost impossible and they want you to pay XXXX dollars for service
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is the worst credit reporting agency when it comes to getting inquiries off my credit report!!
Complaint sub-issue: Information belongs to someone else

I log into my credit reports to dispute incorrect information and site told me to call company. 
when I call in to company to correct with live agent I was transferred numerous times or told me to call another number different from the one on their web site.

go on till lose connection playing a stupid game on consumer
Complaint sub-issue: Debt is not yours

I have contacted I C Systems INC about a debt in the amount of {$630.00} for XXXX pet hospital. The account is not mine and is how it is spealt in XXXX not english form. The account is for a dog named XXXX which I do own but anyone can make up a name for a dog & my neighbours have pets as well in the same apartment complex. I do not know who may have done this but I know without a doubt it was not done with my conscious, present authority at the location the contract signing took place. 

This is a case of identity theft and I have never opened an account/ entered into a contract nor have I ever signed a contract with my signature with XXXX  pet hospital . 
I assume my brother entered into into the contract and he has paid for the account using his credit/debit card but upon speaking with him he does not remember. 

I have contacted the representatives and was constantly told " I don't know '' if a police report being submitted will result in removal of the fraudulent debt. XXXX has contacted me and I have told them as well that I have never signed a contract with them. 

I have submitted disputes to the Credit reporting agencies and a dispute to IC Systems INC. 

The signatures on the contract will not match my signature on my driver 's licence nor will security camera footage from the day the contract was signed will show I was not there to enter into the agreement. 

I request this fraudulent debt be removed as it does not belong on my account.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no XXXX party involved. Regardless of the multiple written requests, the unverified XXXX 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. Here is the List of Accounts that are still reporting on my Credit Report and NEEDS TO REMOVED : XXXX ( Original Creditor : MARYLAND XXXX XXXX XXXX ) XXXX {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$4900.00} XXXX XXXX {$790.00}
Complaint sub-issue: Didn't receive terms that were advertised

I received a letter in the mail from US Bank regarding a exclusive promotional offer of opening checking account that was linked to my business credit card that I have with them in the beginning of XX/XX/2022. 

The terms of the promotion stated : XXXX. Open a business checking account with promo code XXXX XXXX. Deposit {$5000.00} in new money within 30 days of account opening XXXX. Enroll in U.S. Bank online banking or mobile app XXXX. Complete 5 qualifying transactions within 90 days of account opening Once the terms were completed XXXX points ( equivalent to {$500.00} ) would be added to my business credit card within 45 days of completing the above requirements. 

I opened the account on XX/XX/2022 and used my U.SXXXX business credit card to fund the account with {$200.00}. I enrolled in online banking on the same day. I did an external transfer from an outside bank of {$4800.00} on XX/XX/XXXX. I completed 6 qualifying transactions between XX/XX/XXXX and XX/XX/XXXX. 

After waiting 45 days and not receiving the bonus I called and spoke to a representative to see when and if the bonus would be posted to my account. The lady whom I spoke to had to do further research and stated someone would contact me within 3 business days. I received a call 10 days later stating the terms of the promotion were not met. The {$200.00} that was used to fund the account was not considered " new money '' and therefore the bonus could not be given. 

Even though I used my U.S. Bank business credit card to fund the initial opening, I use an outside bank to pay the credit card bill. So the technicality of " new money '' can be open to interpretation. 

Afterwards, I called countless times speaking to multiple representatives with each time having to explain the whole situation from the very beginning. Each representative gave me a different response and was told I would hear back at a certain time when I did not hear back at all. One representative gave me their e-mail and advised me to reach out to them if I did not hear back in 24 hours. After 72 hours passed I emailed the representative and received no response. 

I am more disappointed in the service I was provided. I have a brokerage account, personal checking account, business credit card, and now a business checking account with U.S. Bank. For them to not value me as a customer was disappointing to say the least.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Complaint sub-issue: Debt was result of identity theft

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


I C SYSTEM INC {$820.00} XX/XX/2018 XXXX
Complaint sub-issue: Reporting company used your report improperly

I was one of about 143 million US citizens affected by the Equifax security breach reported on XXXX XXXX. I have checked and the website that tells users if they were affected or not and they believe my information was compromised.
Complaint sub-issue: Information belongs to someone else

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX. I have contacted the FTC and local police and Im also doing this on my own behalf.
Complaint sub-issue: Investigation took more than 30 days

I have sent numerous letters disputing inaccuracies information on my reports. Most recently I sent a letter on XX/XX/XXXX and I received no response within 30 days. It is now XX/XX/XXXX and I have mailed yet another letter to get the matters resolved.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX XXXX and the inquiry stated below was unknown to me. The inquiry was pulled without my knowledge. Please be advised that I have sent a letter prior to this complaint yo Equifax. However, there was no changes or response from them. Please correct this matter immediately. 

XXXX Date of inquiry XX/XX/2020
Complaint sub-issue: Account status

I am not sure this is the right place to do this but XXXX XXXX credit card reported a late payment for my credit card bill. it was not late. They have done this multiple times ( I actually quit using them for over a year due to issues with them ) but I gave them another shot and they XXXX again. I could not get onto their site to pay. I made contact with them and was told I would be contacted to pay the bill and no one ever called back. I kept calling and trying to logon unsuccessfully. When I finally got someone who would help me, it was past the due date. I explained the situation to them and they apologized and were supportive and removed the late fee but had already reported it on my credit score. It should n't be there. It is not a legitimate late payment because their site was down. They have notes on my file to back this claim. I want it off of my reports, all of them. It really hurt my score!
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX COL XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}