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

I have filed a dispute regarding the incorrect items on my credit report. IT HAS BEEN WELL OVER 45 DAYS AND I haven't received any investigation results. I have been struggling to get all erroneous CHARGE OFF 'S off and ERRONEOUS statuses of my Credit Report showing that they were SETTLED FOR LESS INCORRECTLY when this account has been fully paid off since XX/XX/XXXX and they CHARGED IT OFF in XXXX of XXXX. The CREDIT BUREAUS are saying that they investigated that the information they are reporting is TRUE AND CORRECT INFORMATION. I have even contacted XXXX  LEGAL DEPARTMENT and visited a store for help and they just take my name in the Legal Department and say that they will be getting back with me. Congress enacted the FCRA in XXXX to ensure fair and accurate credit reporting, promote efficiency in the banking system, and protect consumer privacy. In doing so, Congress sought to preserve the consumer 's privacy in the information maintained by consumer reporting agencies. '' Gelman v. State Farm Mut. Auto. Ins. Co., 583 F.3d 187, 191 ( 3d Cir. 2009 ) ( internal quotation marks omitted XXXX. Once notified of a dispute, a furnisher of credit information has statutory duties, inter alia, to investigate the disputed information and to correct information found to be inaccurate. 15 U.S.C. 1681s-2 ( b ) ( 1 ). To establish a violation [ u ] nder the statutory framework and clear language of the statute, therefore, a consumer must first alert the credit reporting agency that reported the allegedly erroneous information of a dispute. It is then up to the reporting agency to inform the furnisher of information that there has been a dispute, thereby triggering the furnisher 's duty to investigate. It is only when the furnisher fails to undertake a reasonable investigation following such notice that it may become liable to a private litigant under 1681s-2 ( b ). SimmsParris v. Countrywide Fin. Corp., 652 F.3d 355, 359 ( 3d Cir. XXXX ). Reasonableness of the investigation is determined based on a balancing of " the potential harm from inaccuracy against the burden of safeguarding against such inaccuracy. '' XXXX XXXX XXXX XXXX, 744 F.3d 853, 865 ( 3d Cir. XXXX ) ( internal citation omitted ). Regarding the requirement of " accurate '' information, " even if the information is technically correct, it may nonetheless be inaccurate if, through omission, it creates a materially misleading impression. '' I DEMAND FULL REMOVAL OF THIS ACCOUNT. XXXX is guilty of DEFAMATION OF CHARACTER AND UNLAWFUL PRACTICES.
Complaint sub-issue: Account status

XXXX recently ( XXXX XXXX 2015 ) re-opened ( once again ) a previously closed account on my credit report which dropped my score by XXXX points. I am in the process of being a first time home owner and this has almost killed that possibility. This account was not only closed but should have been updated as settled. I have been going back and forth with this company ... to include a 30 day late that they added to a CLOSED account. Please review the previous cases with them as well as my supporting documentation of payment. Thank you
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report.After you have remove items please send me copy of updated report. 
An FTC had been filed and a police report will be filed. 
Thank you.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I was talked into financing a water filtration system under false information. The system was financed through Aqua Finance. Once I found out that they gave me false information, I ceased payments. Aqua Finance as well as the company that sold me the system are refusing to refund and return the system as it is past the 3 day return period. If a company is being fraudulent, I should not have to pay for the system. The water system was purchased through XXXX. They have complaints in other states too. Many other people have been scammed and are still being forced to pay for an unnecessary water filtration system. Aqua Finance has filed a XXXX.
Complaint sub-issue: Old information reappears or never goes away

My name is XXXX XXXX I have a virtual wallet with you, sometimes I make mistakes but always make sure my stuff ends up getting paid, I couldnt even get approved for the one card I applied for I truly like this bank and would like to stay with you guys, my partner has ten accounts with you, I just would like to just use my Pnc credit card that I keep getting denied a lot of my credit report is inaccurate and Im going through firms to try and clear it up but it just doesnt go anywhere. I would hate to leave this bank because they can trust me with a credit card my partner has been with you guys for over 20 years and has more money saved away than most, I just truly would like to get the Pnc points credit card. Im sorry for bothering you guys. I just dont want to stop going through Pnc because of this.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS 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 items 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 items listed below : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I'm a law-abiding citizen and a human being. I have rights under 15 USC 1681.

Equifax is governed by USC 1681.And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've also included an attachment for XXXX XXXX XXXX the collections agency expired license status since XXXXAlso an attachment Equifax admitting they have had added and listed a collection account more than once.
Complaint sub-issue: Old information reappears or never goes away

This is a formal complaint against XXXX XXXX XXXX located in XXXX TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. 

They are reporting an account on my credit report that was opened in XXXX and charged off in XXXX, which is well past the allowed time for reporting to the credit bureaus. They have illegally re-aged this account and recently sold it to a collection agency that filed a lawsuit against me, which I hired a lawyer for and won the lawsuit, given the violation and expired statue of limitations. I have disputed directly with the credit bureaus on this account and XXXX continues to respond as account being verified, but fails to provide me with proof. 

Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor :  XXXX XXXX XXXX ) XXXX , XXXX XXXX, XXXX XXXX XXXX,
Complaint sub-issue: Account information incorrect

This account XXXX appears to be inaccurate or incomplete on my credit report and it only reports to Equifax XXXX The said account has violated my consumer rights in accordance with the Fair Credit Reporting Act. As mandated in 15 U.S. Code 1681i Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.
Complaint sub-issue: Account information incorrect

I used to have a title loan from XXXX it was delinquent first delincuent on XX/XX/2013 and charge off since then I didnt make any payment on this account but, for some reason ( fraud ) from this company it is showing Im making payments on this account which Im not for the past seven years what they tried to do is keep this account another seven years on my credit report it is agains the law to do this. I need this company to removed this account from my credit report this company is a rip off and doing fraudulent charges on my credit report
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX Good day- Im in the process of looking for a place to live and they pulled my credit report, and it was denied due to XXXX XXXX XXXX that the account is 90 days past due. This was removed/blocked from my credit report in XXXX for it being fraud. Now suddenly it has reappeared back on my account from over XXXX years ago. The original Identity Theft Report was dated XX/XX/XXXX. The case # is XXXX. 
If you look back, you can see that this happened, and it reappeared after it being removed. Per my research I should have received a 5-day re-insertion letter which was not sent or received, and by law it can not report on my report. REMOVE OFF MY REPORT AND SEND ME A XXXX NEW REPORT WITH THE DELETION & gt ; Again, you are reporting this and its inaccurate. MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to this lie and its crazy. You are supposed to verify all information, and this has NOT been verified or anything. This mistake is hurting my kids. Please correct this now. 

Please assist in removing this from my report. 

Thanks XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Equifax is reporting 2 student loans as being in dispute and that is not the case. The two accounts are showing as DP of EDUC are reporting with balances, one has {$1.00} and the other shows {$2.00}. THESE HAVE BEEN CONSOLIDATED OVER A YEAR AGO AND HAVEN'T BEEN DISPUTED IN A FEW MONTHS. My lender pulled credit and Equifax is the only one doing this..
Complaint sub-issue: Problem with fees

I have been getting charged cash advance fees for purchases made using my credit card. I contacted them and asked them why I am suddenly being charged a $ XXXX montlly fee for cash advances when I have made no cash advances from my credit card. They told me to contact the party i made the purchase from. I don't see how that will help as they are not the one charging me the fee. That party also said to talk to CitiBank about it. No one is stepping up here to correct this, they just want to point the finger at each other.
Complaint sub-issue: Debt is not yours

The credit card company was reporting inaccurate. My credit card debt is paid per obligation of the United States. 

31 U.S. Code 3123 18 U.S. Code 8 15 U.S. Code 1692/1692e and 1601 Privacy Act 1974 - 15 U.S. Code 1692c
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

RE : XXXX  This is not a duplicate report, XXXX XXXX XXXX added new false derogatory statements by adding : 1. new 60-day late payments for XX/XX/XXXX andXX/XX/XXXX, 2. the first delinquency occurred on XX/XX/XXXX, 3. the account was closed on XX/XX/XXXX, and 4. the last payment was received on XX/XX/XXXX.

1. There was never a late or missed payment on the account. Therefore the 30-days and 60-days maliciously reported to the credit bureaus must be removed.

2. There was never a delinquency, however, XXXX XXXX XXXX  has reported many false and malicious claims to the credit bureaus between XXXX and XXXX and again between XX/XX/XXXX and XX/XX/XXXX.

3. The property was sold in XX/XX/XXXX and the bank first reported the account closed on XX/XX/XXXX and continued to maliciously report new missed and late payment delinquencies through XX/XX/XXXX which are being used to impact my credit report and credit scores negatively.

4. XXXX XXXX XXXX received its last payment from me in XX/XX/XXXX, the property was sold and I was not required to submit any more payments and did not make anymore payment. Therefore, there was never a 30-day or 60-day late payment in XX/XX/XXXX as reported by XXXX XXXX XXXX. These maliciously reported delinquencies must be removed from my credit report and my d scores restored to their values prior to the impacts of the false claims.
Complaint sub-issue: Company closed your account

I had a Citibank account in XXXX fave Citi account number and copy of deposited check with my account number. Citi keeps saying they cant find ut. I have been asking for statements since closed years ago.
Complaint sub-issue: Investigation took more than 30 days

On XXXX I sent a letter of verification to all three of the credit bureaus asking them to verify that all the account that I listed in the letters were correct and I would like for them to send me how the accounts were properly verified. I don't feel as if I am liable for this debt.
Complaint sub-issue: Their investigation did not fix an error on your report

Over the last year I have dispute these 3 accounts for different inaccurate i am demanding removal and complete deletion of these accounts based on 15 U.S. Code 1681b - Permissible purposes of consumer reports they have no written consent to report information under my name
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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: Didn't receive enough information to verify debt

on XX/XX/2022 EOS CCA opened up a collection. 
account number {$1500.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau, I am given the " run-around ''. I am being told that they have not received said documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times ; I am still given the same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per transaction. Additionally, I demand that ALL items listed on each letter be DELETED from my reports.
Complaint sub-issue: Account information incorrect

XXXX XXXX, XXXX XXXX and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers
Complaint sub-issue: Reporting company used your report improperly

All four major credit bureaus XXXX, XXXX, XXXX  and innovis have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
Complaint sub-issue: Debt is not yours

Ally Financial placed a bad debt on my credit report and inadvertently it lowered my score. I contact Ally to inform them that per the divorce decree this debt does not belong to and this has been communicated to them several times.
Complaint sub-issue: Public record information inaccurate

LexisNexis is reporting a bankruptcy on my credit file which is inaccurate.
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. 

Ohio Department XXXX XXXX XXXX : # XXXX, Ohio Department XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, Receivable Management Services : # 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: Trouble with how payments are handled

In a discussion regarding repayment, my processor will not allow me to apply additional payment to my principal balance ( s ). They said even if I specify, they will apply to interest.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Reporting company used your report improperly

Equifax let my information be stolen.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX DOD XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XXXX  XXXX XXXX, XXXX ; XXXX XXXX - XXXX  XX/XX/XXXX ; XXXX XXXX - XXXX  XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Complaint sub-issue: Attempted to collect wrong amount

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged XXXX XXXX. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged Bankruptcy Account. What was the method of verification when the courts CLEARLY do not provide documentation or verify with you? THIS IS ILLEGAL. All bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?