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

equifax is has taken more than 30 days and has not finished with my credit dispute they have not removed the XXXX XXXXXXXX XXXX XXXX credit card i disputed or the XXXX auto loan i disputed or the XXXX XXXX card i disputed it has been almost 60 days and they are still listed as in dispute please make them remove them as it has been more than 30 days in dispute
Complaint sub-issue: Information belongs to someone else

I AM LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO FOR MY CHILDREN WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Complaint sub-issue: Debt is not yours

XXXX XXXX has been reporting to the equifax credit agency under the given account # XXXX for a " credit card '' in the amount of XXXX, the information provided prompted me to inquire directly with the company, and their response to me is that they acquired XXXX XXXX in 2003, and as of 2003, credit information related to XXXX ceased being reported to credit reporting agencies by the bank and that it appears that someone is false reporting this debt under the XXXX entity 's name
Complaint sub-issue: Information is not mine

Please help me, I have disputed previously a couple things with Equifax , provided them my ID 's so they can process, they decided to change my name to XXXX XXXX from XXXX XXXX XXXX which is my legal name, XXXX XXXX is NOT my name. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also an account with XXXX XXXX which is unknown to me. There are several mistakes listed. Can someone please help
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. 
XXXX  Account # 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 writteninstructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the followingitems 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 reason of error 15 usc 1681b -creditor use my report for impermissible purpose, creditor need a valid reason for doing so 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 
15 usc 1605 finance charge is sum of all charges included late 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 any purpose
Complaint sub-issue: Information belongs to someone else

I recieved an alert about a credit inquiry for XXXX XXXX XXXX XXXX I did not authorize this inquiry nor have i called or stepped foot in this location to begin an inquiry. Alerted on XX/XX/2023
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act 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: Credit card company won't work with you while you're going through financial hardship

Back in XX/XX/2016, I was experiencing financial hardship, and I made a couple of late payments on my XXXX XXXX credit card.
Complaint sub-issue: Reporting company used your report improperly

XXXX  allowed XXXX XXXX  to fraudulently open up an account without my knowledge or consent, that affected that my credit score. I had tried to ask them to take this company off my report but they refuse.
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$29000.00} XXXX   XXXX {$7600.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$460.00}
Complaint sub-issue: Debt is not yours

My credit score has a collection that don't belong to me. This was reported in XXXX  from a company called GMAC. Account number on file is XXXX. Amount for the transaction is XXXX. This was reported on XX/XX/19. I try calling the lender myself and they advise me that I don't have any history with them. XXXX  reported this issue and my confirmation number is XXXX.
Complaint sub-issue: Didn't receive terms that were advertised

Hi I opened an account with Citibank after reading an advertisement that said if you open an account between XX/XX/2022 XXXX XXXX XXXX, and deposit {$50000.00}, you will get, {$700.00} after 60 days of maintaining the balance. We opened the accounts on XX/XX/XXXX and XX/XX/XXXX, maintained the balance and were new customers. The bank has failed to apply such credit. Even though they were made aware of their failure to comply with their own advertisement. They are still not honoring what they promised. I know Im not the only consumer this has happened to, as the branch admitted that other Citibank consumers were victims or false advertising. Please investigate. Thank you.
Complaint sub-issue: Account information incorrect

ANOTHER ACCOUNT NOT ACCURATE XXXX XXXX XXXX STATING I OWE {$2800.00} AND I DO NOT OWE NOTHING. I WANT THIS REMOVED
Complaint sub-issue: Investigation took more than 30 days

I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed. I have been sending out dispute letters since XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Good Afternoon, on XX/XX/XXXX I paid {$16.00} and sent a notarized certified letter with an Identity Theft Affidavit to Equifax and XXXX  regarding a fraudulent account on my credit reports. 

I received notification that Equifax and XXXX received my notarized certified letter with its contents on XX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

I have paid a consistent {$24.00} over the last several months to my credit monitoring account to refresh my credit reports monthly to keep track of this issue. 

It is now XX/XX/XXXX and the fraudulent account has NOT been removed from my credit report and causing an on going hardship on me and my family because of this. I am submitting a complaint to the Consumer Financial Protection Bureau for assistance in this ongoing issue.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries : US SM BUS ADMIN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

In 2007 I had a Home Depot credit card. I have an excellent credit rating and have always paid my bills on time. I had an unpleasant incident at the Home Depot store in XXXX XXXX, Florida where I was met with hostility from the customer services reps. I stormed out of the store and requested to have my credit card CANCELLED. I called them to arrange payments and to request that my monthly bills be sent to me so that I could satisfy my debt. NOTHING WAS EVER SENT TO ME. A few months later, I inquired WHY I wasn't receiving monthly statements, and THEY SAID THAT THEY COULD NOT HELP ME ; AND THAT MY ACCOUNT HAD BEEN SENT TO " COLLECTIONS ''. Not once, did they offer to assist me. Needless to say, I NEVER received any collection letters and the account went DORMANT for many years. I am in my late XXXX now and I received a call from a woman stating that " I owed {$960.00} ''! I told her that I wasn't going to pay a penny until I receive the original billing statement from Home Depot, stating what I owe. I am sure that over the years, they have added increasing fees and interest, without my knowledge. I believe that an account over 7 years should have been deleted from my credit report. However, despite this fact, this account remains outstanding and I am now harassed by debt collectors. I await your response.
Complaint sub-issue: Problem during payment process

I made an automated payment to my credit card company on XX/XX/2019 for {$300.00}. When I checked my checking account balance on XX/XX/19 I noticed that they had taken my payment twice. When I called them they argued with me and told me that I called at XXXX XXXX   and made a payment and again at XXXX XXXX and made another payment for the same exact amount. I did not make 2 payments that is ridiculous. 

They told me that they could reverse the payment but it would take 10 days. It only took them a minute to charge me twice, why would it take 10 days to reverse the fraudulent payment. 

I will not use this credit card again!!
Complaint sub-issue: Debt is not yours

I have two items on my credit report for XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I have not gotten any notices in regards to these two bills from either the original creditor and the collections company. I am also getting harassing phone calls and repetitive calls as well from multiple numbers. Voice mail is a automated recording playing as a employee leaving personal information on a voice mail when one is left. The item on my credit report should not be reporting as one its not mine and two my daughter had two medical insurances and they should have been charged to them. I want these removed from my credit reports as soon as possible.
Complaint sub-issue: Was not notified of investigation status or results

Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine
Complaint sub-issue: Problem with direct deposit

I'm attaching a screenshot of the letter sent to my by unemployment regarding my first unemployment check for week ending XX/XX/20 that states my direct deposit was rejected and why. Every check after has been deposited into my new bank but my first check is nowhere to be found. I received a us bank reliacard in the mail and activated it but it did and still does have a XXXX  balance. I contacted reliacard who says they cant help cuz they never received any money for .me and to contact unemployment who said to contact reliacard. Please help me.
Complaint sub-issue: Debt is not yours

Hello, I received a letter from Jefferson Capital stating I owed {$340.00} from XXXX XXXX. I was very suspicious as I only used XXXX once, not for that amount or near it. 
I contacted chat support and they confirmed that this was not mine, I had no debt and that they do not even use this company. I am not sure if the company is at fault ( Jefferson Capital ) because there was no way to get in touch with them other than postal mail, and that is not easily tracked, and their phone system was not working ( my account number was not working ) though when I did put my account number ( from them ) in their system online, it did show up with my personal information! That being said, I could not contact them that way either - only to pay the alleged bill. 
So, I have proof ( screenshot ) that I do not have a debt nor ever did with XXXX. 
This is identity theft and I need it addressed and not to be on my credit. 
Date of letter XX/XX/XXXX though I received it on XX/XX/XXXX Amount : XXXX Debt Description : XXXX XXXX XXXX confirmed this is not mine at all* They gave me the option to dispute but I can only use postal mail or phone, both of which are impossible for me to properly track in a timely manner. 

Help! 
XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX, 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 USC 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: Information belongs to someone else

Equifax I have over 100 disputes in showing them that this information is incorrect. I pay for the monitoring service from them Dispute number XXXX still reporting the wrong name on my file. My credit file number is Please update an remove the name off my file my name is XXXX XXXX I have provided my drivers license and utility bills and they remove it off then aloow creditors to mix my file with someone elses whom is not me. They close the investigation and do not send me the results I faxed and mailed them the letters information them of this. I file a dispute daily only to have them close it out overnight. I pay for a service when I log into the dispute portal using my email address XXXX it pulls up someone else file an credit report which is really not a good thing for Equifax. This is my confirmation to my credit report when I log into the dashboard which is linked to me. 
Equifax Credit Report for XXXX XXXX XXXX As of : XX/XX/XXXX Available until : XX/XX/XXXX Confirmation # : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After review of my credit reports, I have found numerous inquiries that I did not authorize. Therefore, I have filed a POLICE REPORT. & A report with Identity Theft.com.  These inquiries should be removed from my credit report ( s )XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage, XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

I recently pulled a my credit report with XXXX and noticed this MoneyLion Inc has still been reporting negatively after a bankruptcy filing in XX/XX/XXXX they been continuing to report up until XX/XX/XXXX when I notified the company they insisted the information they were reporting was accurate I then contacted XXXX about the issue and again they verified the information is correct. To my knowledge this is a violation of FCRA both creditors and bureaus have an obligation to report only accurate information. This is a closed account and was included in a XXXX XXXX Bankruptcy which was successfully discharged if I'm not mistaken this can be seen as a violation of bankruptcy law as well as this can be seen as still attempting to collect on a debt
Complaint sub-issue: Problem with fees charged

My payment was {$540.00} a month was never late not once. I would go online and always make my payment for {$540.00}. Then out of no where BB & T said I didnt have insurance which I have had for 4 years.. Then add {$30.00} a month to the loan and I made my payment online it said {$540.00} due not XXXX.. long story short they called me 2 months later saying I was late by {$60.00} ... How did this even make sense?? I have 5 car autos and never been late Now im trying to get a house for my family and I cant over this.. Lawyer is involved also!! Please fix this thank you
Complaint sub-issue: Debt is not yours

Tek Collect put a collection account on my credit report for XXXX XXXX XXXX XXXX XXXX. We do not live in XXXX XXXX Ny and my child goes to public school where we live and we are also not XXXX.. There is no other information. Its just some completely random account that was fraudulently attributed to me. I have never been contacted by these people in any way by either letter, email or phone. I have no idea what or who this debt belongs too, but its not mine.
Complaint sub-issue: Debt is not mine

XXXX has sold a very old account ( I have not had XXXX in over 10 years ) to a collection agency called Enhanced Recovery Co. They have never contacted me but have put a collection account on my credit report ( no amount owed is indicated ) and when I call them and ask to speak to a Rep they hang up on me. I want this removed from my credit immediately! I do not owe XXXX XXXX any money. This collection just appeared on my credit report in the month of XXXX XXXX with an " open '' date of XXXX XXXX, XXXX. This is bogus and should not be on my credit report. Thank you!
Complaint sub-issue: Card was charged for something you did not purchase with the card

About {$2000.00} were taken from my account and they are not cooperating by not investing my claim. I need help getting my hard earned money back.
Complaint sub-issue: Didn't receive enough information to verify debt

Received a notice in the mail for a massive debt. The debt said I owed XXXX the company a debt of over {$20000.00}. I have never had XXXX as a company, nor am I aware of any debt I have ever had for any reason with such a high amount, and the date the said XX/XX/XXXX doesn't ring a bell at all. So I responded to the debt letter with a request for verification, I did this through the USPS with certified mail with signature required so I know they received the letter as I only had 30 days to reply. The letter they sent said it was mailed XX/XX/XXXX, although I did not receive the letter until the XXXX of XXXX, so this left just a short amount of time to reply. Around XX/XX/XXXX I received my letter back saying it was refused, despite 3 attempts to deliver. I can only assume they do this on purpose to make sure no one can ask for validity within that first 30 days. I have my letter, proof they attempted to deliver the letter and proof they refused it. I couldn't send another letter and make it there within that first 30 days. The company name is Afni, Inc. The address I sent it to is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, IL XXXX The actual amount of this is supposed debt is {$20.00}, XXXX. I have included a copy of that letter on the upload area without signature since I printed it and signed then sent it.
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 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 XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXccount Number : XXXX XXXX, XXXX. Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Threatened to sue you for very old debt

Complaint against SCJ Commercial Financial Services XXXX XXXX XXXX XXXX, DE XXXX XXXX ) I wrote them a Do Not Contact Letter, and they continue to contact you 2 ) They claim to be a debt buyer but have not provided you a chain of title documents showing your original contract, their Bill of Sale , and a list of accounts purchased that includes your alleged account. 
3 ) Resolution : You want the issue to be resolved with them providing you this documentation, and in the event, the documents fail you want the CFPB to punish them and stop contacting you.
Complaint sub-issue: Other problem getting your report or credit score

I regularly monitor my credit history and scores through XXXX XXXX and another service. My EQUIFAX score is consistently in the XXXXs. I thought the score scale runs to XXXX. 
I recently purchased a car. XXXX XXXX reported my equifax score at XXXX. The same week my monitoring services reported it at XXXX. I called EQuifax to inquire about the scale and how I could have 2 different Equifax scores in the same time period. The individual on the phone did not understand the question the first 6 times I asked and gave me silly stock answers to questions I was not asking. When he seemed completely confused he just hung up on me. 

The process to get through to a live representative to ask a " non-standard '' is cumbersome and invasive. It's clearly designed to make people give up and go away. The inability of the the rep to answer what should be a simple procedural question or go to someone and get an intelligent answer shows complete disregard for the needs of the consumer. 

Clearly scores at either level are not going to be a credit problem for me, but I have a right to understand what they are reporting about me and they have a duty to explain themselves. 

I tried XXXX XXXX. while much more polite and attentive, their representative was equally clueless about the process. The credit guy at the car dealer did not even seem to understand the question.