Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

yesterday on XX/XX/XXXX i received a hard inquiry from a CBNA company that i know nothing about i didnt fill anything out that can be on my credit report as of now i really don't know where it came from and hoping it can be raking off ASAP
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, I disputed late payments that were reporting on a closed account ( XXXX XXXX ) on my credit report. The account has been paid and closed since XX/XX/XXXX, however, I did not realize there were late payments reporting at the time. In XX/XX/XXXX, the dispute result was " verified by the account lender/meets FCRA Guidelines. The account " status '' also changed from " Paid as Agreed '' to " Past due 60-90 days '' ; mind you, the account has been closed since XX/XX/XXXX? 
I filed a CFPB complaint against XXXX XXXX XXXX and the response stated that the credit bureaus had NEVER contacted them regarding my dispute since XX/XX/XXXX and that they did not report any delinquent status. Therefore, I am escalating my dispute to the CFPB for further review of this account. I believe this account status was fraudulently changed and has negatively impacted my credit score.
Complaint sub-issue: Personal information incorrect

I filed a previous complaint against Equifax number XXXX, regarding the inaccurate personal information being furnished on my consumer credit file. Equifax responded using a stall tactic asking for identification and specific details of the inaccurate information, which I already provided in my previous complaint. The reporting birthdate is NOT mine. The reporting name is NOT my full name as it is showing on my identification card. Equifax refuses to comply with my demands and continues to tarnish my reputation. I will be putting my state attorney general on notice regarding this matter.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am stating that Equifax is violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my Equifax credit report : ( Original Creditor : XXXX XXXX XXXX  ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Complaint sub-issue: Received bad information about your loan

I have been paying my student loans since XXXX and plan on applying for the public student loan forgiveness program. My payment counts are inaccurate after multiple attempts contacting fedloan servicing to fix the payment count. My loans were initially under XXXX in XXXX ( through XXXX XXXX   and consolidated ) and transferred to fedloan servicing in XXXX.
Complaint sub-issue: Debt was paid

I paid my cellular phone bill to XXXX XXXX XXXX for {$100.00} in 2021. I explained to the debt collector that XXXX XXXX XXXX would not unlock my phone number until the bill was paid in complete. I paid the debt and made the switch to another cell phone provider ( XXXX ). California law states that a user can not change cell phone providers without the former provider being paid in full. My phone was unlocked and XXXX reconnected with the same cell number ( XXXX ) XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXviolated 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
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I am not sure what debt is from. I called company listed on credit report that state they did not report.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent Equifax a followup letter regarding a previous letter from XX/XX/2021 and XX/XX/2021, regarding an alleged debt collection on my credit report by the company " XXXX XXXX XXXX ' which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been close to 90 days since the original dispute on XX/XX/2021 that has not been addressed neither by the credit bureau XXXX note the credit, XXXX XXXX XXXX. They are both in voliation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both Equifax and the creditor, XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, Equifax.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CBNA Inquired on XX/XX/XXXX, XXXX - CARD SERVICES Inquired on XX/XX/XXXX, CITIBANK NA., BEST BUY Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Complaint sub-issue: Public record information inaccurate

Lexis nexis, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. Lexis Nexis continue to list a dismissed bankruptcy as confirmed. I am aware that Lexis Nexis receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.
Complaint sub-issue: Old information reappears or never goes away

SADLY, ONCE AGAIN EQUIFAX DID NOT FULFILL THEIR FCRA 611, 15 U.S.C.1681i, REQUIREMENTS FOR REINSERTION OF PREVIOUSLY DELETED MATERIAL, SEE BELOW EXPLANATION : XXXX XXXX  XXXX # XXXX : THIS ACCOUNT WAS REMOVED ON XX/XX/2021, by EQUIFAX XXXX BUT THEN REINSERTED WITHOUT GIVING ME A 5 DAY NOTIFICATION OF REINSERTION AND WITHOUT FURNISHING PROOF OF CERTIFICATION OF INFORMATION. 

XXXX XXXX XXXX # xxxxxxxx XXXX : THIS ACCOUNT WAS REMOVED ON XX/XX/2021, by EQUIFAX, BUT THEN REINSERTED WITHOUT GIVING ME A 5 DAY NOTIFICATION OF REINSERTION AND WITHOUT FURNISHING PROOF OF CERTIFICATION OF INFORMATION. 


THIS IS THE 2nd TIME EQUIFAX IS VIOLATING FCRA 611, 15 U.S.C 1681i RULES.

AND THIS IS CAUSING ME HARM AND FINANCIAL DISTRESS. 
I AM VERY DISAPPOINTED IN EQUIFAX.
Complaint sub-issue: Information is missing that should be on the report

Multiple Complaints, Disputes and Reference numbers dating over 15 months of trying to resolve. 

Here 's proof EQUIFAX MALICIOUSLY REFUSES TO REPORT ALL INFORMATION AS REPORTED BY THE CREDITORS. AND KNOWINGLY ( because they have been informed over 8 times ) THEY REPORT HARMFULLY- KNOWING IT HURTS THE PERSONS CREDIT FILE. 

SEE ATTACHED FOR EVIDENCE. 

This is one of many accounts on my credit file with EQUIFAX, that continues to report with empty information/ghost placeholder values/incomplete information. Please see the attached photo, which shows a snapshot of XXXX of my accounts, notice that EQUIFAX has no 2-year reporting history for this account, despite XXXX payments being reported to all XXXX major credit bureaus. 
XXXX XXXX Equifax are reporting accurately, EQUIFAX OMITS IMPORTANT INFORMATION TO PUNISH CONSUMERS WHO COMPLAIN. 

THIS SHOULD BE CRIMINAL
Complaint sub-issue: Account information incorrect

XXXX  XXXX and XXXX bank account balances are incorrect. Equifax can not verify my information and I was logged in to my Equifax account, giving them the information on file. The rep constantly asked me the same information over and over and said I could not verify the accounts. The purpose of me calling was to dispute inaccurate information. So most likely thats why I can not verify the accounts. XXXX  XXXX updated the balance and XXXX  update the balance to XXXX. I need to use my credit and I need XXXX  XXXX to reflect XXXX balance on all reports. Also I need XXXX  to stop aggravating me.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXXXXXX XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Original creditor : XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Other problem

I had a positive balance of  XXXX  cents on my Citi card  XXXX    XXXX  .  Three months later, Citi took  that away and shows a record on my statement : " BALANCE REMOVED DUE TO INACTIVITY ''.     I was very surprised to see this record so I called customer service and was told that it is what the record said.  Citi too k that  XXXX  cents away if I do n't use my card for three months.     What kind of policy is this? Should I have been informed of such forfeit and given choices before they actually took this positive balance?
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft and I have an unauthorized account from XXXX  XXXX that doesn't belong to me as well as 20 plus inquiries that don't belong to me and were unauthorized
Complaint sub-issue: Account information incorrect

XXXX. My credit card balances are incorrect for 2 months. I contacted XXXX XX/XX/19. Customer service representative said it was the credit card responsibility to provide the information. The credit Card company, XXXX said it's XXXX, XXXX and Equifax responsbility. My credit is down to 30 % from 95 %, but still shows 95 %. I want to lease a car, but can not with my terrible credit score. 
XXXX. I tried to speak to someone to make corrections, but got disconnected. Also on XX/XX/2019.
Complaint sub-issue: Their investigation did not fix an error on your report

DISPUTE REASON : EACH CREDIT BUREAU XXXX, EQUIFAX, XXXX ARE REPORTING DIFFERENT DATES FOR THE LAST PAYMENT ACTIVITY ON THIS XXXX CHARGE OFF ACCOUNT ON MY CREDIT REPORT. 

REMOVE THIS ACCOUNT DUE TO THE FACT THAT THERE ARE DIFFERENT DATES LAST ACTIVE REPORTED. HOW CAN THERE BE DIFFERENT DATES WHEN THIS IS WHAT STIPULATES WHEN THE ACCOUNT NATURALLY FALLS OFF? ACCORDING TO THE FCRA YOU CAN NOT REPORT INCORRECT DATES AND IS IN DIRECT VIOLATION OF MY CIVIL RIGHT AND THE NEGATIVE ACCOUNT MUST BE REMOVED DUE TO INACCURACY. I ALSO DO NOT BELIEVE THAT YOU DID AN INVESTIGATION. THAT MEANS THAT YOU MUST PROVE TO ME THAT YOU DID AN INDEPENDENT INVESTIGATION AND DID NOT JUST REPEATED THE SAME UNVERIFIED INFORMATION. IF YOU CAN NOT PROVE TO ME THAT YOU DID A PROPER INVESTIGATION THIS ACCOUNT MUST BE REMOVED IMMEDIATELY AND PERMANENTLY. PLEASE REMOVE THIS UNVERIFIED ACCOUNT UNLESS YOU CAN FURNISH A SIGNED CONTRACT.XXXX reports XX/XX/2014Equifax XX/XX/2014
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

On or around XX/XX/XXXX, I leased a vehicle from Tesla Finance. At the time, I was a XXXX XXXX and I took possession of, and registered, the vehicle in XXXX. To date, I am in full compliance with my lease agreement, having timely made every monthly payment. 

In XXXX, I relocated to XXXX. Pursuant to XXXX law, I am required to register the vehicle in XXXX within 30 days of relocating. In order to do so, I need a copy of the title from Tesla, along with a power of attorney or other document authorizing me to register the car. 

On or around XX/XX/XXXX, I wrote to Tesla requesting the necessary documentation to register the vehicle in XXXX. In response to the request, I was told I should have the documents in about 4-6 weeks. To date, I have still not received the documents and have not been able to register my car in XXXX 

I have attempted on numerous occasions to contact Tesla to find out about the status of the documents. When calling the only phone number that is public, I was directed to send an email and/or leave a voicemail on a " general '' mailbox. I have left numerous messages ( both voicemail and email ) and the only responses I have received have been non-specific, with statements on the order of " Its probably some delay at DMV. '' Despite my requests, I have not even been provided with anything to confirm when ( or even if ) any request was actually made by Tesla to have the title documents pulled from DMV and sent to me.
Complaint sub-issue: Information belongs to someone else

I recently requested my credit reports and found some fraudulent accounts had been opened in my name. 
XXXX Report # XXXX Is reporting two fraudulent accounts that do not belong to me : *XXXX XXXX XXXXXXXX XXXX XXXX orginator of the debt ) * XXXX  XXXX XXXX- ( fraudulent auto loan/lease ) I have directly contacted this credit bureau with my dispute, I need your assistance at this point. 

Equifax- Report # XXXX Is reporting a fraudulent account from XXXX XXXX XXXX XXXX auto loan/ lease0 This account is not mines and was opened in fraud.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico 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 transunion 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 XXXX 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 XXXX 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On the day of XX/XX/XXXX, I mailed off a letter to XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed from my credit report.
Complaint sub-issue: Contacted employer after asked not to

I have only been at my current job for XXXX months at XXXX months I received notice that my wages were going to be garnished and I contacted allied who is the collection agency and told them they were n't supposed to garnish my wages until I had been at my job for XXXX months they called me a liar and continued with the process if garnishing 15 % of my wages ... At XXXX months at my position I called them again to tell them they need to stop garnishment and I wanted to set up a payment plan ... They gave me XXXX fax numbers that did n't work as a means to give them my tax forms to work out my payments and sisd they would contact my payroll department and stop the garnishment and they still have not done so.
Complaint sub-issue: Their investigation did not fix an error on your report

We held a credit card account with XXXX XXXX XXXX ( XXXX Visa ) going back to XXXX. We moved to XXXX in XXXX, but kept our US bank accounts active and had this credit card on automatic payments monthly. At some point, XXXX XXXX XXXX  sold these accounts to XXXX XXXX and our automatic payments became null and void. We were unaware of this change for a number of months due to the delay in getting correspondence to us in XXXX. We were finally made aware when a collections agency contacted us with regards to our account. At this point, we made a payment arrangement with the collections agency and paid the full balance owing on the card. 

Our credit report shows FAR more late payments than was actually the case, firstly. Secondly, the account has been paid in full. Thirdly, when I tried to resolve the matter with XXXX XXXX XXXX, they can not even locate our account in their archives or anywhere to corroborate our account details. We shouldnt be penalized when XXXX XXXX XXXX can not corroborate our late payments or whether or not the account was paid in full. We have all of our documentation still on file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which Equifax, XXXX and XXXX didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?