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

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

XXXX XXXX XXXX XXXX This account does not belong to me XXXX XXXX  XXXX account was never late it was paid as agreed XXXX XXXX XXXX account never late paid as agreed adressses that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX ) {$4000.00}, XXXX XXXX ( XXXX ) {$1700.00}, XXXX AR XXXX ( XXXX ) {$1600.00}, XXXX XXXX XXXX XXXX {$590.00}, XXXX XXXX ( XXXX ) {$330.00}, XXXX XXXX XXXX {$130.00}, XXXX XXXX, XXXX XXXX ( XXXX ) {$140.00}, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) {$360.00}, 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 an account without my written instructions.
Complaint sub-issue: Debt was paid

This is in reference to previous case XXXX. Company deleted erroneous negative debt and then added a dollar to amount an reposted it to XXXX.
Complaint sub-issue: Information belongs to someone else

I sent dispute letters to XXXX  back in XXXX and the report came back that it was reported correct. But XXXX XXXX corporate office they show no record of me having an account with them. Credit bureau telling me these are information they getting from creditor. So I ask them to validate it show me and the guy told me he couldnt.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, my wife and I sent investigation requests to Equifax and XXXX XXXX. They were supposed to respond within 30 days. We they did not, we filed complaints with your organization. Equifax and XXXX XXXX finally sent her copies of her investigation results, but I have yet to receive mine. I just don't understand what could be taking so long.
Complaint sub-issue: Problem with customer service

On Monday,  XXXX   XXXX ,  XXXX , I was contacted by  Discover Student Loans a bout a loan that had originally be taken out with  XXXX  in  XXXX . The loan was sold t o Discover a few  years back. The customer service who contacted me identified that she was calling with the co-signer,  XXXX   XXXX , on the other line and wished to patch him in. I did not want to speak with her because I was very surprised by the phone call. I said that it was not a good time, she repeated that the co-signer,  XXXX   XXXX , was on the other line. I hung up at this point.  XXXX   XXXX  is not the co-signer for this loan, this loan does not have a co-signer. I was older than  XXXX   XXXX   XXXX  and did not require a co-signer for this student loan.  XXXX   XXXX  ' name is not on the  XXXX  for this loan. Discover has my home address, my cell phone number and my email address, they need not contact a third party to try and contact me. The representative also misidentified  XXXX   XXXX  as a co-signer. This is deceptive, the representative lied to me and to  XXXX   XXXX  who is aged and was rightfully very upset and confused by the phone call.
Complaint sub-issue: Their investigation did not fix an error on your report

I had left XXXX XXXX on XX/XX/2018, I had no contract with them and actually paid in advance for services ( cell phone ). I ended my services with them on XX/XX/2018, and received their final bill on XX/XX/2018, ( USPS ) which shows a credit balance, however, I never received the credit but no matter, I attached a copy of the last bill they sent in XXXX as well as an invoice with my new provider I was done with this company, a had to call a number of times, wait times longer than an hour, I just had enough, if you check your records they were actually sued for invoicing problems over billing! I have sent a record of the final bill I received from XXXX XXXX on XX/XX/2018, and the bill from my new provider that took over my services from the same day I ended from XXXX XX/XX/2018, why in the XXXX are we still arguing about this? I did my part and if you have a problem in believing me why don't you google their complaints online, that in itself should end this agony I have been dealing with since 2018.
Complaint sub-issue: Privacy issues

On XX/XX/22 I was notified by Discover that my consent was required to provide discover with a signed copy of IRS Consent form 4506-C. I received both an email and an automated phone call requesting that I complete this form. I am very uncomfortable with a credit card company requesting a copy of my income tax return from the IRS. They stated in their email that " Prompt action must be taken in order to validate your account information for continued use. Until this verification is complete, a temporary hold has been placed on your account. If for any reason you are unable to complete the consent form, please contact us directly at XXXX, or call the phone number on the back of your card. 

Once Discover has received and processed the IRS information, you will be contacted in writing to advise that the review of your account is completed. '' When I contacted Discover they claim that all Discover credit card members were being asked to complete this form due to a federal regulation. Of course, no such federal regulation exists. As this request is a gross invasion of my financial and personal privacy, I promptly requested that Discover close both of my revolving credit accounts with them.
Complaint sub-issue: Problem with statement of dispute

I filed disputes with the XXXX credit bureaus 14 months ago. all my d ddisputes d dddddd disputes were resolved but XXXX these XXXX companies have some how kept e e e somehow kept these disputes active for 14 months. which has prevented me from getting an fha loan. the rules and laws say a dispute should be resolved in 60 days. so these XXXX companies along with the XXXX credit bureaus are breaking the law.
Complaint sub-issue: Used obscene, profane, or other abusive language

In XXXX, I was living in an apartment for about 8 months, when I had to leave before the lease was up due to an abusive relationship and hostile living environment. I was contacted about a 8 months later from IQ data international. They called repeatedly until I answered and explained that I had this debt I needed to pay. They refused to allow me to do payment arrangements on a {$3500.00} charge until another 6 months later after repeated calls. Eventually, I paid {$1700.00} to get them off my back until they started calling my job and one individual cussed me out when I explained to him he was harassing me. 

Now, in XXXX of XXXX, almost 3 and a half years later, I have received a call once again regarding this issue. I explained to the woman, that they never attempted to contact me after the incident involving the harassment. Nor have they sent me any legit account information. She insisted that they did. I then told her why would they be calling all of this time later, and she relayed, that theres no statute of limitations on collecting a debt. Unfortunately, I work in a law office now and was able to research that in fact there are statutes of limitations on collecting debts. 

Ive never received any notice or written agreements regarding this debt nor paying what they are asking for. I did write a letter to the agency, asking for documentation and any conversations relating to this debt. I am eagerly waiting for their response as they have been given until XX/XX/XXXX, to forward any documentation.
Complaint sub-issue: Their investigation did not fix an error on your report

As recently notified, I am a victim of identity theft
Complaint sub-issue: Information belongs to someone else

On XX/XX/22 I received an email from XXXX XXXX stating I had a hard inquiry on my credit. I had not applied for anything so I knew it was fraud. Someone used my name, address and drivers license number to apply for a XXXX Bank XXXX XXXX credit card, which I learned this information after I contacted the company and reported the fraud. I also took further actions, one being reporting to Equifax that this was not my application or inquiry. They have already researched and closed the case but have not removed this hard inquiry from my credit report. I am a victim of fraud and want this removed from my credit.
Complaint sub-issue: Was not notified of investigation status or results

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020 and XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XX/XX/XXXX, XX/XX/XXXX or Equifax to resolve anything. Data has also been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus ;XX/XX/XXXX, XX/XX/XXXXand Equifax, must be held accountable and to the standards clearly outlined in the FCRA.
Complaint sub-issue: Information belongs to someone else

XX/XX/2016 {$940.00} FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX THE BUREAUS INC
Complaint sub-issue: Account status incorrect

Discover Bank is reporting an erroneous debt on my credit file that must be removed. I recently looked at my credit file and noticed this debt with them, I immediately called and settled this debt with them. I had no idea that this was on my file, as I never received any calls, notices, or correspondence from them. I ask that they remove the account for not giving me ample time to pay this, or giving me my 30 day right to dispute. The debt is no longer owed and I would like the account removed.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXt account # has violated my rights. 

XX/XX/XXXX, XXXX $ XXXX by me Consumer disagrees XX/XX/XXXX, XXXX {$15000.00} ( {$14000.00} ) Dispute by me Consumer disagrees XX/XX/XXXX {$1800.00} Dispute by me Consumer disagrees XX/XX/XXXX {$1800.00} Dispute by me Consumer disagrees XX/XX/XXXX {$260.00} Dispute by me Consumer disagrees 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX 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 602 A Section 2 : it also states A consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX IS REPORTING ON MY CREDIT REPORTS THAT I OWE {$620.00} I HAVE NEVER HAD A XXXX XXXX XXXX CARD OR ACCOUNT THIS IS NOT MY DEBT NEVER USED A XXXX XXXX   CARD OR ACCOUNT
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Is not helping me at all, I filed 2 complaint with you guys and one response was they couldnt verify me so I sent 2 forms of verification the very next day I got an email from u guys saying they completed their investigation, how is that even possible when they havent received my documents yet I priority mailed it and they will receive it this Friday XX/XX/XXXX, I stated multiple times the items on my credit is incorrect and inaccurate nothing seems to be working out I am an victim of identity thief,, this is hindering me from doing a lot credit wise I did all I can do I NEED HELP PLEASE
Complaint sub-issue: Their investigation did not fix an error on your report

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Complaint sub-issue: Frequent or repeated calls

This is my office cell phone. Not mine. I told this company to stop calling me but they wont. I had XXXX twice, my wife is out of work, we have no money, lost everything and can not pay credit card.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On   XXXX   XXXX  -2017 I 've purchased a countertop and floor cabinet from Home Depot in   XXXX   MA for total of {$4500.00} include sales tax and I was able to pick up the floor cabinet on   XXXX   XXXX  -2017 and I kept waiting for Countertop that took 49 days later for the company to show up with only one portion of the countertop at that time I 've decided that I did n't want it anymore because I dint know how much longer I had to wait to the rest of the counter top and I refused the installation at that point and it was send back to Home Depot third party installer International Stone. In the same day I follow up with  XXXX  Home Depot to cancel the countertop delivery because I was going to found a company that would do it faster and in fact I was able get everything installed in five days later by someone else. Now the issue I 'm having is that no one at Home depot is able to credit my account for something I didnt get.
It has been a terrible experience trying to get anyone at Home Depot to assist me with this issue.
My regards,
Complaint sub-issue: Account status

I sent a request for an investigation regarding an erroneously reported account by Child Support with Equifax. Equifax sent my letter to XXXX XXXX, which invaded my privacy as XXXX XXXX has and had nothing to do with Child Support. Not only did they send my personal information regarding my credit but they also sent my social security number, date of birth and address. This was wrong of Equifax to o this and possibly damaging. they should not have been so careless as consumers put their trust in the credit bureaus. I sent Equifax proof that this account was paid and they did not bother to update my account.
Complaint sub-issue: Sent card you never applied for

I received a card from this company in the mail today that I did not apply for. There is already a freeze on my account so I am unsure how they were able to open a card in my name.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2021 I sent a dispute letter to Equifax, XXXX XXXX, XXXX  about my consumer credit report. Under 15 USC 1681b Permissible Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX, EQUIFAX, XXXX XXXX any written consent to report anything on my consumer report. No Consent is Identity Theft. A copy of the LAW is attached with this dispute letter. Concerning the accounts listed below as a consumer, I am demanding a deletion of this account.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX BROKE THE LAW! On XX/XX/XXXX I submitted a complaint through the CFPB about being denied my consumer report. At which time, I expressly requested My " Complete '' Consumer Report AND FILE. I did not request a portion of my consumer report and file nor even mention anything whatsoever having to do with specific " account names '', " numbers '' or any " disputes ''. I was simply trying to get access MY INFORMATION they have stored. Although my initial failed attempts to access MY INFORMATION could've possibly been passed off as computer error, their response to my CFPB complaint issued on XX/XX/XXXX CAN NOT and I have uploaded that response here as an exhibit to the fact. SO, THIS COMPLAINT CONTAINS XXXX ADDITIONAL VIOLATIONS OF FEDERAL LAW! Equifax broke the law by denying to provide ALL of the information in my Consumer Report AND FILE as I requested and thus closing the matter. 
609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request 610. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] ( a ) In General ( 2 ) Disclosure in writing. Except as provided in subsection ( b ), the disclosures required to be made under section 609 [ 1681g ] shall be provided under that section in writing.
Complaint sub-issue: Problem with customer service

I have several citibank account and used their online banking and mobile app. One day, none of my logins work and I continuously get prompted to verify my identity. I contact them, wait a few hours with technical support, talk to 4 people and they can not figure out the problem, they suggest try again in a few days. 

I try again 5 days later and there are still no fixes.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX Unidentified inquires.
Complaint sub-issue: Their investigation did not fix an error on your report

I have called as well as submitted multiple FTC reports in the past showing that I have been a victim identity theft. The fraudulent hard inquiry I am trying to have deleted is for Equifax : XXXX XXXX XX/XX/2021 They have not deleted this inquiry despite me sending in 4 rounds of disputes.
Complaint sub-issue: Debt is not mine

They need to stop collection on a debt from a XXXX XXXX in which have no clue what it is! Its not even the right name!
Complaint sub-issue: Account status incorrect

Called and paid off full balance once I found the issue on my credit report as I had received no communication showing that I had a balance owed.
Complaint sub-issue: Didn't receive notice of right to dispute

I have been dealing with I C SYSTEM COLLECTIONS for this debt of {$200.00} I asked them to validate this and they never sent me any information and because they couldn't validate they removed this collection from my credit report. This account is three years old according to them. After they removed this item it stayed off my credit report for about a year then they just placed it back on there as a brand new account as of XXXX 2020. They never sent me a letter stating they were putting this item back on my credit report. They are the original creditor that removed it originally. I was never given a proper written notice to dispute this debt or notice that it was going back on my credit report. I called and spoke with a supervisor about this and they refused to do anything about it. I asked to speak with someone above him and was given a name of someone but they refused to give me a phone number stated I could only write in to resolve this. 

Contact # XXXX IC System XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MN XXXX