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

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: 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 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX 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. 



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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Recognized fraud inquiries on my account, and would like them removed. I have filed complaint with Identitytheft.gov and have recieved FTC report. The following inquiries are from equifax, and XXXX. 

Equifax : XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Complaint sub-issue: Information is not mine

In accordance with FCRA & 650B paragraph ( a ), Equifax , XXXX, and XXXX, are required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Equifax , XXXX, and XXXX delete these accounts from my good credit record in accordance with FCRA & XXXX paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that XXXX, Equifax , and XXXX remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).
Complaint sub-issue: Their investigation did not fix an error on your report

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO AN ACCOUNT THAT DOES NOT THAT BELONG TO ME. ALSO WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED/DELETED, A LETTER OF EXPLANATION IS ENCLOSED.
Complaint sub-issue: Was not notified of investigation status or results

I HAVE 2 ACCOUNTS THAT DO NOT BELONG TO ME I WANT THEM REMOVED
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute requesting the removal of this item on my report due to the original creditor ( Discover Bank ) refusing to accept payment for the charged-off amount of {$280.00} and reflect a PAID status. The investigation results returned VERIFIED. My credit is continuing to be damaged despite good faith efforts to resolve the past due amount.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  and XXXX are incorrectly reporting me as an Authorized User on Citi card  ending in account # XXXX I called Citi and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.
Complaint sub-issue: Company closed your account

I have had a Citibank credit card for 6 years and 2 months. I have been on time 100 % I received a letter from them saying that they chose to close my bank account BUT the letter said nothing about closing my credit card. On XX/XX/XXXX, while shopping at Costco, they allowed a credit of just over XXXX, but XXXX mins later they denied the purchase. There was no notice or reason why they abruptly shut down the credit card account. Furthermore, there are three different account holders on this credit card that were affected abruptly. When my husband and I called, we were told we had to fax a letter asking why this happened. We did so and we have received no response. We called again today and were told that a letter would be coming to us in the mail. This is absurd and we deserve to know why this action was taken against us, when we have been 100 % on time with every payment for six years and two months straight
Complaint sub-issue: Problem using a debit or ATM card

I called us bank to dispute a transaction and i simply informed them that the items ordered was not delivered so i would like to dispute that transaction ... ..the lady on the line took care of it and the card was working fine ... ..i wake up this morning to realize that they marked my card as stolen, i didn't ask for the card to be set as stolen, all i asked was to dispute a transaction. i do have a business that i run and all transactions from XXXX XXXX till XXXX XXXX  the next morning when the nearest us bank opened were rejected. i called to simply have the card re-opened because it was not stolen and it was not that simple and us bank refused to help
Complaint sub-issue: No notice of investigation status/result

Have disputed attached items over and over and still get the same old generic letters stating they have been verified. I want verifiable PROOF that they have been or I want them deleted immediately.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX, Acct # XXXX amount XXXX XX/XX/2013
Complaint sub-issue: Information belongs to someone else

i was young and didnt know anything about credit. when i checked my credit report i noticed i was a victim of idenity theft. there are accounts that i never opened. i do not understand how this was even able to happen. i have a fraud accounts : XXXX XXXX acct # XXXX {$730.00} ( ive never had XXXX and XXXX is no longer in business ) XXXX XXXX XXXX  # XXXX {$660.00} ( ive never stayed in florida a day in my life ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} ( i never stayed in florida ) . 15
Complaint sub-issue: Trouble with how payments are handled

I have been trying to get my loans on an income driven plan. I have FedLoan Servicing. They are a horrible student loan servicing company. I was particularly interested in the REPAYE plan. I was told that my old loans and my new loans would get on this plan. 
I tried before and they stated that I have to make one " standard ' '' payment before I can go on the plan. 
They never notified when the payment was due and I missed the payment. 
I tried again. This time I was told the standard payment would be due " in XXXX ''. I never got a notice but I saw my payments were due XXXX XXXX. I paid them XXXX XXXX. I sent an email confirming that and stating I should then qualify for reduced payment. They responded with a rejection letter. I have no idea why. The letter claims I was 15 days late. Its the XXXX of the month I do n't know how that is possible! 
I believe they want folks to go into forbearance so that the debt increases. 
Please SHUT THEM DOWN! 
XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX I tried to submit a dispute online with Equifax over 2 collections accounts. The website was not working properly, I then had went on to chat with a Cutomer Service Rep, XXXX XXXX, and explained over the chat about the 2 collections accounts that are incorrect and need to be removed. I saved the transcript from the conversation. They were unable to process the dispute request due to an issue with the website so I was told to call Consumer Services and they provided the phone number. I called and spoke to a woman that said she can file the disputes. I received an email confirmation that my dispute was received however I was only given numbers and no other information as to what the numbers associated with only a link to check the status. I clicked on the link and it brought me to Equifax webpage. I was unable to login, unable to view anything. I then continued to receive the same emails with all different confirmations numbers and links to check status and on every email it brings me to Equifax webpage where I am unable to log in and view so I have no knowledge of what the disputes are or staus. I then checked my credit report today XX/XX/XXXX because I had seen through my bank my score had changed and I also went on to XXXX XXXX and seen changes had been made to my Equifax report. I began to research what changes and seen my credit card with XXXX XXXXXXXX was disputed and closed, my loan with XXXX XXXX that I had just opened in XX/XX/XXXX was disputed and closed, several of my student loans with Department of Education were disputed and one that is in good standing that I had just opened with XXXX is being disputed and could possibly be closed which shouldnt be and was never authorized to be disputed is now going to mess up everything I have worked on for the past few years regarding my student loans, yet the 2 items, the only 2 items were collections items : XXXX XXXX  on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX, those 2 items were the only ones I filed dispute and those 2 items are still under dispute however nothing done. I called Equifax immediately for them to correct their mistakes and they claim there is nothing they can do. They also say the disputes were done online, however I never filed anything online, I called. It wouldnt be the first time Equifax has destroyed a consumers credit and life by their wrong doing. I have had my identity stolen due to their incompetence and the past 10 years I have been steadily working on repairing the damage they have created all for it to happen again. This company/agency needs to be shut down, they have destroyed too many consumers lives with their incompetence and ignorance. I have documentation showing the transcript of the chat where it clearly shows what I wanted disputed, I also have all the emails with several different confirmation numbers that I cant access. I want this corrected immediately and want Equifax shut down so they cant continue to scam people and destroy peoples lives.
Complaint sub-issue: Account information incorrect

XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) and Equifax ( XXXX XXXX XXXX XXXX, XXXX XXXX ) continue to report inaccuracies, errors, erroneous, deceptive, misleading, false, and unfair practices on my Consumer Report with XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX & XXXX ). This account has numerous violations that I stated in the letters. For example, one violation is reporting payment history. Since the charge off date of XX/XX/2020, XXXX XXXX and XXXX XXXX is reporting on Equifax and XXXX a charge off every month and it continues to updating the payment history on the accounts. Charge Off accounts should not be reporting active payment history past the charge off date. This is falsely and illegally manipulating the date of last activity of this debt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX  account # XXXX ( there are 4 of these accounts ) XXXX XXXX account # XXXX ( there are 2 of these accounts ) XXXX XXXX account # XXXXXXXX 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 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Complaint sub-issue: Problem accessing account

My login stopped working XX/XX/XXXX shortly after attempting to establish a link to an new external account. I wasn't able to call them until they opened on Mon, XX/XX/XXXX but they were unable to fix the problem. After waiting XXXX hours I called back on XX/XX/XXXX. They tried some other things but were still unable to fix the problem. The night of XX/XX/XXXX I was surprised to find that I could login, but my accounts ( a XXXX XXXX account and XXXX CDs ) weren't linked to the new login they had had me create earlier. The morning of XX/XX/XXXX the CDs were linked to my new login, but not the XXXX XXXX account. After speaking to a service representative on XX/XX/XXXX I was finally able to see my Money Market account and proceeded to again try to link to a new external account on XX/XX/XXXX, at which point the login stopped working again, so I had to wait until Monday morning, XX/XX/XXXX, to call their support line and they said they would re-open the previous ticket, but I didn't receive a call back as expected. As I prepared to call again on XX/XX/XXXX I received email saying the account had been locked because of the request to link my external account ( several days earlier ), and instructed me to call a different number. After calling that number and answering a number of security questions and the account was supposedly unlocked I still wasn't able to login and was transferred to the standard support, but they were unable to do anything and don't seem to have any interest in helping further, with the ticket open, but the support person assigned to the ticket out for the holidays.
Complaint sub-issue: Public record information inaccurate

On my report it states that I also go by the name XXXX XXXX. This is incorrect. I believe she attempted to steal my identity and use my information to obtain internet services. 

Also my criminal background report is incorrect.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My loan was transferred from XXXX to Nelnet back in XXXX. I started to notice that my credit score was going down XXXX points each month to the present. I received a letter from them stating that my loan was set back into repayment and into forbearance. Since I applied for the borrower defense. You can see the capitalization interest they have prepared on the loan. Plus they are now reporting that I'm not making payments on my loan. I never once contacted them to have my loan put into forbearance through the repayment process. You can look through the applications on the borrower defense and I indicated I don't want it in forbearance while it's under review. Overall, my current student loans should be under forbearance, but that is for the XXXXXXXX XXXX  back in XXXX at XXXX percent interest. Under the current law, my credit shouldn't be affected at all. Nelnet keeps reporting to all the credit bureaus for the non-payment, which is hurting my credit on a monthly basis. I tried calling them and can't get a hold of them through their customer service department. The current hold times are over 2 hours long. Therefore, I can't get anything corrected with them.
Complaint sub-issue: Public record information inaccurate

I was at awe seeing things reported that should not be there. Please heade to my letters.
Complaint sub-issue: Information belongs to someone else

Its ridiculous! I do not know what to do ... I sent couple of letters already but I am ignored. I believe I am identity theft victim because I do not recognize accounts in my credit report. They are simply not mine but because of the bad reporting or so, these items just destroyed my credit report!!! I am a XXXX XXXX XXXX and we go through difficult times now, but because of this problem I can not rely on any help from the bank. Please can you remove these accounts and inquires that I have never authorized from my profile. These accounts are nor mine and its pure identity theft.
Complaint sub-issue: Contacted you after you asked them to stop

I am writing this complaint in regards to the alleged debt AMERICOLLECT INC is currently alleging that I owe ( Exhibit A ). After receiving an abundant number of phone calls from AMERICOLLECT INC, I wrote AMERICOLLECT INC by certified mail # XXXX on XX/XX/2021 notifying them of a CEASE AND DESIST ( Exhibit B ) where I clearly outlined the civil violations being committed under the Fair Debt Collections Practices Act. I also notified AMERICOLLECT to stop all further collection efforts and to cease any and all communication with me. A few weeks ago, I received a letter from AMERICOLLECT INC stating that two of the accounts referenced in my cease and desist had been cancelled. ( See Exhibit C ) However, they provided no information for the other accounts. Most recently I was notified by XXXX ( Exhibit D ) and XXXX that AMERICOLLECT INC is now reporting these derogatory accounts on my consumer report and damaging my reputation!! Not only is AMERICOLLECT INC committing civil violations but now they are continuing to harass me over an ALLEGED debt that I disputed since XXXX!!! On XX/XX/2021 I received a notice from AMERICOLLECT alleging that these accounts had been validated and that I owed this debt. First of all, only I, the consumer can validate a debt. Second, they provided me with copies of my medical treatment and visits. This is sensitive personal information! I have never done business with AMERICOLLECT INC nor have I ever entered into any contractual obligation. Lastly, I never gave my consent for any of my medical information to be shared!! I am demanding that AMERICOLLECT INC delete these accounts from my consumer report immediately and to stop ALL collection efforts at once! I do not take this matter lightly, and THIS IS MY FINAL NOTICE TO AMERICOLLECT INC. on the infringement of my rights and right to privacy!! This is sensitive medical information that is being shared without my consent! If this matter is not taken serious by AMERICOLLECT immediately I will be pursuing further litigation and will demand compensation for all of the damages this has caused me.
Complaint sub-issue: Debt was paid

Jefferson capital syst has filed with credit reporting agencies that I owe a debt to XXXX  that is been charged off and is older then 10yrs it 13 years old. XXXX has already reported it and wrote it off. Jefferson bought the debt and is lying about when I opened and stop paying. They claim it was in XXXX when infact the initial account was opened in XXXX and I stopped paying in XXXX then went into collections in XXXX. They refuse to remove or admit they are lying it's fruad plain and simple fraud
Complaint sub-issue: Old information reappears or never goes away

In a notice letter dated XX/XX/2021, I, XXXX XXXX XXXX, ( a " consumer '' ), did hereby provide written notice to EQUIFAX INFORMATION SERVICES, LLC ( a " consumer reporting agency '' ) of a violation of my rights as defined by U.S.C. Title 15, Chapter 41, Subchapter III 1681b with written instruction to delete specific inaccurate and unlawful data furnished to my consumer report. The notice letter was sent via certified mail with confirmed receipt and courtesy copies provided via email to Equifax 's executive staff members with facts and law. As of today, XX/XX/2021, I have confirmed Equifax has not adhered to my written instruction and continues to furnish the data specified as impermissible to my consumer report. The Office of the Law Revision Counsel of the U.S. House of Representatives publishes and prepares the United States Code pursuant to Title 2, Section 285 and publicly furnishes U.S.C. TITLE 15, CHAPTER 41, SUBCHAPTER III, 1681b of Permissible purposes of consumer reports at us.house.gov where it clearly states ( 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.
Complaint sub-issue: Unable to open an account

I received a letter dated XX/XX/ application number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that they are unable open an account in my name dated XX/XX/2021 and they needed further information I did not attempt to open an account didn't apply online or any other manner to open an account