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

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/XXXX ), Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX   XXXX not mine INQUIRIES XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX  XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency, including me ( verified by their online tool ). Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Can't decrease my monthly payments

Fed Loan Servicing My forbearance ended without my knowledge. I was not made aware PRIOR to the forbearance ending. They communicate through their internal website email, not through my personal email address. They will send a notification email ( sometimes ) to my personal email to state I have an email in their internal website email system. 
Fed Loan Servicing did not contact me through calls, emails to my personal email, nor physical mail. I asked for all communication to be electronic, but once the forbearance ended abruptly, I would think that Fed Loan Servicer would communicate with ALL other forms of communication to avoid late payments. 
Then, they reported to all three credit bureaus, that I am 90 days late as their First reporting. I have called to make payment arrangements, but they have NO tolerance or lower repayment structures for me because they state my income is " too high ''. They do not take anything else in account except the income ... .not family size, debt to income ratio, or any other circumstances. So, I still ca n't pay the loans. 
I asked for a print out of the communication that they state they made during this time-frame. They will not supply it. The communication they claim they made was all AFTER the forbearance ended abruptly.
Complaint sub-issue: Reporting company used your report improperly

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
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 Acct name : XXXX  ( closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXX XXXX ( closed Accounts ) 15 USC 1681 section 602 A. 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 an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Complaint sub-issue: Problem with product or service terms changing

After the Equifax leak, all credit bureau 's should make all aspects of freezing consumer credit, free of charge. Freezing, temporary lifts, and removals, should all be free.
Complaint sub-issue: Debt is not yours

XXXX ( Equiant Financial Service ) offered me and my husband a timeshare while on vacation to XXXX XXXX, Nevada  in XXXX XXXX, 2019. Under consideration, we completed the application process but the following day decided not to move forward with the contract. We was given five days to cancel without penalty. After many attempts to reach XXXX, the number provided was incorrect. I finally located a valid number, contacted XXXX, to proceed with canceling the contract ( loan ). 

I was assured by the representative it was canceled. However, I found a charge on my XXXX XXXX and XXXX card where a transaction was processed without my authorization. I disputed these transactions and was given a full refund as the investigation deemed I was not liable. The company, XXXX was notified. However, months later, during an application for a home loan, I was notified there were derogatory marks on my credit report for the timeshare. 

The company XXXX has not provided documentation as requested confirming cancellation and refuse to provide any legal document, confirming there is a contract. Moreover, after many attempts of contacting them in XXXX, the representative and supervisor refused to provide documentation and only requested I pay a large sum of money to satisfy a debt, that is not legally mine. 

They refuse to further assist me. I am seeking immediate resolution to remove EQUIANT FINANCIAL SVCS XXXX TimeSharedLoan XXXX11fXXXX all three credit bureaus.
Complaint sub-issue: Information belongs to someone else

I have fraudulent inquiries showing in my credit report. I have no idea where these came from or where I got them from. These inquiries were not made by me.
Complaint sub-issue: Their investigation did not fix an error on your report

I was not late on my accounts, I wonder why Equifax, report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXXXXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX.I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the inaccuracy from my report immediately
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out several times with written correspondence regarding this matter. The information being reported is totally incorrect and a resolutionhas not been provided after months of trying to work with XXXX and XXXX, XXXX XXXX XXXX. 

First and foremost the open date is incorrect. XXXX is also reporting that this card had a {$0.00} limit and is saying a payment was made XX/XX/XXXX, while XXXX and XXXX are reporting a payment was made XX/XX/XXXX. I have asked for this information to be verified with no verification. 

What is most dishearteningis XXXX has no payment history, and XXXX has the account Charged Off since XXXX of XXXX, while XXXX is reporting the account was charged off XXXX of XXXX and then marked " ok '' from XXXX of XXXX Until XXXX of XXXX! 

It should be very clear this is being reported INACCURATELY. 

This account has also not been marked as disputed per Section 623 ( a ) ( 3 ) of the FCRA
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$910.00}, XXXX XX/XX/2021
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX - - -No Data XXXX  XXXX XXXX {$32.00} XXXX XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX - - -No Data XXXX XXXX XXXX {$37.00} XXXX  XXXX XXXX XXXX {$30.00} XXXX XXXX XXXX XXXX {$48.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$10000.00} {$260.00} XXXX  XXXX {$0.00} {$0.00} XXXX XXXX XXXX U XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$5400.00} {$100.00} XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX XXXX {$30.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX OF XXXX XXXX {$0.00} {$0.00} 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 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 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: Information belongs to someone else

Dear Sir or Madam : I am a victim of identity theft. The information which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Resulting from the identity theft that should be blocked, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely,
Complaint sub-issue: Personal information incorrect

I contacted the Credit Bureaus on XX/XX/2018, by certified mail asking to remove addresses and names that are not correct, I enclosed NCDL, social security card and a NC DMV registration to prove my correct name, address and social security number. Not all address were removed, they stated they were validated and they were under no obligation to remove them. According to the FCRA, the address are undeliverable by the US Post Office and therefore need to be removed. I have contacted them in good faith and under the letter of the law with no results.
Complaint sub-issue: Investigation took more than 30 days

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

On XXXX I paid {$26000.00} to pay off my XXXX  XXXX XXXX XXXX a month early before the lease expired. US Bank cashed the check immediately and closed the lease o XXXX per US Bank. I have made numerous phone calls to get the title to this vehicle and the release of the lien and have gotten nothing but the runaround. It is now THREE months later and no title or paperwork for release of lien. I call US Bank weekly but get a runaround and excuse after excuse. Every time you call there you speak to a different person and a different runaround. It's either in the mail or it's being overnighted to me. As of today NO title or paperwork. My last phone call was yesterday, XXXX, at which time I again was told I would get it next week!! I told " XXXX '' I wanted my money back and they could come get their XXXX. I was told that I could not get my money back! My sister gave me the money to pay off this vehicle as she is buying it and is beyond upset!! This vehicle is sitting in my driveway now three months later and she feels she has been ripped off. I want the money back WITH INTEREST and US Bank can come get the XXXX!!! I am tired of this nightmare!!! Never have I been through such an ordeal with a bank!!!!! NEVER will I ever deal with this bank again through a dealership!!!! Please HELP!!
Complaint sub-issue: Reporting company used your report improperly

I sent my letter to Equifax on XXXX. XXXX, XXXX  I told the credit bureau to " investigate every piece of information '' on the accounts I have listed below : XXXX - XXXXXXXX XXXX/ ACCOUNT # XXXX XXXX  XXXX XXXX XXXX I have attached the letters I sent out and here are the tracking numbers : XXXX XXXX XXXX XXXX XXXX According to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, associates of the consumer reported on or with others of whom he/she is acquainted or who may have knowledge concerning any such items of information. 

The credit bureau stated that these accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate.
Complaint sub-issue: Debt is not yours

AMERICOLLECT is claiming that I owe them {$270.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an error on my credit reports called XXXX XXXX. The debt is not mine. All three credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me. XXXX XXXX sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all three of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute to Equifax online on XX/XX/2022 regarding items on my credit report collections that did not belong to me. I have escalated the dispute to investigations multiple times over XXXX and XXXX. The problem has still not been resolved as of XX/XX/2022. They give me different information every time I call.
Complaint sub-issue: Frequent or repeated calls

PMAB LLC has been calling me weekly about bills from XXXX XXXX XXXX Hospital. I filed a complaint with the Medical Director, of the hospital, because of inappropriate treatment in the Emergency Room. I  was told that the charges {$54.00} and {$500.00} would be removed from my account. Last year PMAB started calling me and I informed them about this issue and told them to stop calling me. I also explained that I am living in Social Security in a HUD subsidized building and an trying to get my medical expenses corrected. They haven't stopped calling, plus my XXXX credit score has gone down 36 points. I filed a dispute with XXXX and they removed the accounts from my file. I want to stop the phone and mail harrassment. All the accounts they have are medical. Please help me.
Complaint sub-issue: Reporting company used your report improperly

As an Consumer thats protect by the laws of the FDCPA I would like the attached items on my Consumer report to be deleted. See attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave your agency PERMISSIBLE PUROPSE to furnish anything on my Consumer report. Per 15 usc section 1681 ( B ). And this also VIOLATES my right to PRIVACY according to 15 usc section 1681. And I would also like the following accounts removed due to the above mention VIOLATIONS as well ; Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reporting inaccurately, and I have a right to a FAIR and ACCURATE Consumer Report per FDCPA and the FCRA. And its also a VIOLATION of 15 usc section 6802 ( A ).
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2020 XXXX XXXX XXXX should be removed as they stated they did not pull my credit and was unable to pull my credit due to fraud alerts that prevented them from doing so. I informed them that it was being refected as being pulled but they denied this occurred, I had called each creditor to inform them of this and I have documented e-mails/calls from the company stating that they were unable to pull my credit. 
XX/XX/2020 XXXX XXXX should be removed from my credit because he pulled my credit after I informed him that I did not want to work with him. I have e-mails and text messages to support this.
Complaint sub-issue: Debt was paid

I have a student loan with Sallie Mae. I have paid this student loan off in XXXX payments in XXXX XXXX and XXXX XXXX. I have submitted proof several times that I have made the payments. The proof I have submitted is the receipts and bank statements. I have been called a liar by Sallie Mae and have been told that I have altered the bank statements which is n't true. I have even offered a bank statement that shows the amounts being withdrawn from my account and the statement has been stamped and signed by the banks branch manager, Sallie mae has refused to look at this. Sallie Mae has defaulted my loan and has now threatened me to pay {$2600.00} by XXXX/XXXX/XXXX which I do n't have not should I have to pay because I have paid this loan off or they will turn this over to a collection department and this will be detrimental to my credit. I really need help with this so it does n't impact my credit. Sallie Mae has been the worse creditor to have to deal with.
Complaint sub-issue: Problem with fees

I noticed a recurring charge on my XXXX 's account every month after purchasing furniture from their store.I believed it to be interest, but realized that the furniture I purchased was supposed to be interest free for 12 and 24 months. I called the XXXX hotline and was told that I had to call the XXXX XXXX XXXX as it was not affiliated with their company. How is a company not affiliated able to charge a recurring fee of {$15.00} since XX/XX/XXXX on MY XXXX account. I did not consent to this. I was not informed of this. On XX/XX/XXXX, I called XXXX XXXX XXXX ( XXXX XXXX ) at XXXX. I was informed they would cancel my account with them, they would stop charging their fee, they would file a request for refund to their " resolution department '', and I would receive a letter within 30 days. Thirty days passed and I did not receive any letter. I called again on XX/XX/XXXX and was told they would send an escalation letter to their " resolution department '' and I would receive another letter within 30 days. I asked to speak to a manager who informed me that their resolution department could only be reached internally and that this department did not have a contact number nor contact address. I am sure thousands of people are currently being scammed by this program and am shocked XXXX would allow this to occur. I am considering filing a lawsuit.
Complaint sub-issue: Investigation took more than 30 days

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT AND INQUIRY WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). EQUIFAX HAS NEGLECTED TO HONOR MY REQUEST TO DELETE THESE ACCOUNTS AND INQUIRIES THAT ARE A RESULT OF IDENTITY THEFT AND BY LAW ARE REQUIRED TO PAY ACTUAL DAMAGES. I WILL TAKE ALL LEGAL ACTION, PLEASE APPLY 15 U.S. Code 1681 TO MY CASE.
Complaint sub-issue: Reporting company used your report improperly

I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXX  Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXX  Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXXXXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b