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

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 47 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 47 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Complaint sub-issue: Account status incorrect

On XXXX XXXX, 2017 Afni responded to my complaint with the bbb saying they would delete their account from my credit reports. They deleted theit account from my XXXX credit report but have NOT on my XXXX report and XXXX report.
Complaint sub-issue: Information belongs to someone else

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my files coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of the remaining items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} 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: Public record information inaccurate

I submitted a dispute to XXXX  and Equifax about a bankruptcy public record in XX/XX/2018. The company has failed to remove any account and responded back as verified accounts ''. Therefore, since they failed to comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. Equifax deleted an inaccurately reporting Bankruptcy off of my credit file and reinserted it without a written five day notice which is a violation of the Fair Credit Reporting Act. XXXX and Equifax have not provided any documentation ; they did not confirm who verified the information or what company. The local Bankruptcy court stating they dont report to any Bureaus, so how can XXXX and Equifax not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else? They keep saying a Company verified but never say which company. The court has already said in writing they did not communicate with XXXX or Equifax. So, how did they verify??? I have repeatedly sent them requests for VALIDATION which they have failed to provide. The public records law states that a public record must contain all of the following in order to remain in a consumers credit file : Name, DOB, SSN, and address which this public record does not. Furthermore, they are reporting inaccurate public information on my file and it is hindering my ability to obtain credit. I would like for this account to be deleted immediately and not reinserted again.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have been getting charged for credit debt protection services since my account was converted to Citi Bank Best Buy Visa card from a store card. I did not authorize this service and had noticed on my credit card statement I have been getting charged varying amounts since this conversion. Per month I have been getting charged around 50 dollars for this debt protection I did not sign up for and this has been going on for longer than the last 2 years. I was denied a refund but they did cancel the debt protection. Again I did not authorize this and view this product as very predatory.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$22000.00}
Complaint sub-issue: Public record

Equifax Credit Information Services , Inc is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a Bankruptcy that showed up on my credit report, Changing the dates on debts that are reported on the credit report to prolong the length of time that the debt is reported on the report. I send Equifax several letters requesting signed, written verification or validation, They just send me back a letter as soon as they can stating that the debts are verified. I happen to know for a fact that the XXXX XXXX account is not mine and it 's been on my credit report for over seven years and they will not remove it. There are numerous Inquiries that are on my credit report from companies that I have never heard of and they will not remove them. So I called the XXXX Court and I was told by them that they do not, will not and never will report to the credit reporting agencies due to privacy laws. Equifax is saying that these debts are verified, Who is verifying them??? I have attained legal counsel and will be filing a lawsuit as soon as possible due to the fact that Equifax has violated the FCRA Laws without total disregard to the damage it does to consumers. Equifax has just settled a class action lawsuit over this exact same issue, I am a part of the suit class. If you need any more information, Feel free to call me at this number, XXXX XXXX XXXX XXXX. XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

The three major consumer credit reporting agencies, Equifax, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me in accordance with The Fair Credit Reporting Act.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the far credit reporting act " 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 an account without my written instructions.

! 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

I just received a response from lexis nexus from CFPB about a bankruptcy I disputed that they have on my profile. Not only did they say they verified this through a public source pacer but they said they verified my last four digits of my social security number and date of birth. According to the FCRA they need to verify my full identity not just the last four of my ssn. Social security numbers are only unique in the first five digits. This is against the fcra
Complaint sub-issue: Reporting company used your report improperly

I need you to investigate the following account Account # XXXX Account Name : CITI Bank I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above, Thank you.
Complaint sub-issue: Account information incorrect

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN DATE OPENED-DATES DIFFER FROM XXXX, XXXX XXXX EQUIFAX HIGH CREDIT- AMOUNTS DIFFER FROM XXXX, XXXX & EQUIFAX PAST DUE- SHOWS BALANCE- WHEN ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, XXXX & EQUIFAX DATE LAST ACTIVE- DATES DIFFER FROM XXXX, XXXX & EQUIFAX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX, XXXX & EQUIFAX PAYMENT HISTORY- HISTORY DIFFER XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX XXXX XXXX complied with this requirement.
Complaint sub-issue: Report provided to employer without your written authorization

I recently received a packet from XXXX XXXX XXXX XXXXe. I also received a letter from XXXX XXXX  Bank recently. XXXX XXXX XXXX stated a power of attorney is being used by family members. My youngest child have a mental XXXX and is receiving XXXX XXXX XXXX as a result. His name is XXXX XXXX XXXX XXXX, he is also a substance abuser. His social security number is XXXX. XXXX XXXX XXXX stated the circumstances were unique yet permission was given to family members to access my accounts. I needed this in writing and on the bank letter head. I now have evidence of these fraudulent transactions made by family members. 

I mentioned earlier that The XXXX XXXX is abusing my identity. XXXX XXXX XXXX XXXX XXXX stated that I sent a copy of my credit report. The reason I terminated Attorney XXXX XXXX is because he filed my wage earner case that was XXXX in XXXX and XXXX. Those dates that was changed to XXXX is located on that credit form I sent you. 

I sent the XXXX for my former employer, because XXXX XXXX XXXX XXXX XXXX deleted themselves from my credit report. All of my history have been deleted from my history. XXXX XXXX have written a query for me showing my former employers. 
From XXXX. 
In XXXX XXXX XXXX XXXX shows my loan was with XXXX XXXX in Texas from XXXX. A copy of the XXXX statement was mailed to me from XXXX XXXX XXXX. The bankruptcy courts was n't notified of this transfer. It 's not on my credit report with XXXX. It is in XXXX XXXX XXXX data base. 

All of the payments made by whomever that have a business and uses checks with XXXX digits and made wire transactions. 

Property Taxes have been paid on the property at XXXX XXXX XXXX XXXX TN XXXX. But not reported to IRS. 

I have a copy of my credit report from XXXX XXXX when I filed bankruptcy in XXXX. Payments was itemized by them. I will send you a copy if you need it for your investigation. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have been deleted from my credit reports as though I never purchased the property. 

Even though the law states after foreclosure it should remain on your credit report for XXXX years.
Complaint sub-issue: Debt is not yours

I am making a dispute against XXXX XXXX in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible
Complaint sub-issue: Information belongs to someone else

After Divorce, my ex would not refinance the house she got in the divorce. 
I filed bankruptcy and had the mortgage discharged from me. 
It went away for years, then the mortgage was sold to a new company. They began listing it and my ex 's missed payments on my credit. I appealed to the company and the credit reporting agencies. 
Equifax refused to remove the item stating the company would have to remove it. 
The company ( at that time XXXX XXXX ) refused despite receiving letters from myself and the lawyer who handled my bankruptcy many years before showing I had discharged this debt. 
Then my ex informed me she was re-financing to get my name off it. It went away for a few months and now a new mortgage company I've never heard of has appeared on my Equifax report ( XXXX XXXX ) ( not on XXXX by the way ). 
I did an online dispute with Equifax and received an email they had completed the dispute, and I could view the results online. However their online system does not work and will not allow me to connect saying they need more information from me and providing a phone number. I called the number and went through their prompts to speak with an agent, and got transferred to a message " This is a non-working number '' and hangs up. 
So then I tried their online chat feature on the website. It connected but as soon as I began to type I received an error " You've been disconnected from the agent. Please wait while we attempt to re-establish connection ... '' it sat for a few minutes then popped up " Connection lost : Please check your connection ''. 
I've done everything I can do to get this account which is not mine off my credit, but nothing has worked. I can not afford to hire a lawyer. 
Equifax has gone out of it's way to be unaccessible and prevent actually dealing with the consumers their inaccurate information harms. 
This inaccurate information has prevented me from qualifying for credit, creating financial hardships and further distress for me.
Complaint sub-issue: Account information incorrect

I had a Discover card charged off in XX/XX/XXXX. I was sent a 1099-C in XX/XX/XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to Discover since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance. 

So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?
Complaint sub-issue: Personal information incorrect

I tried faxing i.d an proff identification card an Equifax steal having tried fixing it going on year My I cant use .my credit steal letting company use account I lost so much money bank accounts card dealing false birthday
Complaint sub-issue: Information belongs to someone else

AFTER HAVING A CHANCE TO GO OVER MY CREDIT FILE, I CAME ACROSS SOME DEROGATORY ACCOUNTS REPORTING ON MY CREDIT FILE. THE ACCONTS DO NOT BELONG TO ME. THERE HAVE BEEN A TREMENDOUS DROP IN MY CREDIT SCORES BECAUSE OF THIS SITUATION. IT IS SO UNFAIR TO ME BECAUSE I HAVE ABSOLUTELY NO KNOWLEDGE OF SUCH ACCOUNTS. IT HAS BECOME VERY HARD FOR ME TO ACCOMPLISH CERTAIN THINGS ALSO BECAUSE OF THIS. I AM ASKING THE AN INVESTIGATION IS OPENED IN ORDER TO REEVALUATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$4500.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Complaint sub-issue: Problem getting your free annual credit report

I REQUESTED ANNUAL FREE REPORT FROM ALL 3 " CRA '' ON XX/XX/2021 AND BEEN OVER 45 DAYS HAVE NOT RECEIVED TO HOME ADDRESS
Complaint sub-issue: Debt is not yours

Please Clean My Name Credit and for XXXX XXXX, XXXX XXXX, XXXX XXXX My phone number is XXXX XXXX my email XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX documents XXXX XXXX XXXX and XXXX Thanks
Complaint sub-issue: Was not notified of investigation status or results

I sent letter back in XXXX by certified receipt and it was also signed for with receipt Ive attached a copy of the receipt with tracking numbers as well I asked for method of verification used and receive no response its been longer than 30 days Im requesting removal of account t
Complaint sub-issue: Account information incorrect

PNC bank reported 30 day late payments to XXXX, on both XXXX and XX/XX/XXXX This was a used automobile loan. My daughter was in a bad accident on XX/XX/XXXX, the car was a total loss. My XXXX payment was due on the XXXX, and I made the payment on XX/XX/XXXX. I reversed the payment the next day, because I was under the impression that the insurance company would be paying the car off before the payment would be 30 days late, as they told me they would, then I would pay the small balance due. I didnt want to pay more than I had to because the banks never payout as fast as they expect me to pay them. However, either my insurance did not send the check to PNC to pay off the car when they said they would, or pnc did not process it, until XX/XX/XXXX. PNC did not even attempt to contact me to let me know they hadnt received the payment, until I received a 30 day late notice through the mail. Upon receiving the late notice, I immediately called and they told me I needed to make a payment of {$360.00}, in order to be current for both XXXX and XXXX. I made the payment over the phone and it was taken out of my bank on XX/XX/XXXX. I have attached a redacted screen shot of my XXXX XXXX  account for the month of XXXX, which shows the payment. My math tells me XXXX payment ( XX/XX/XXXX ) was only 22 days past the due date ( XX/XX/XXXX ). I have also uploaded a photo of the PNC payment coupons, showing my due date was the XXXX of each month. By the way, PNC demanded more money than I owed, so they owed me money. I did not receive the overpayment check from them for over 4 weeks. Perhaps you can ask PNC where I should send the invoice for their late payment fee.
Complaint sub-issue: Account status incorrect

It is very obvious that Equifax is not concerned about accurate reporting ; instead the company bends to whatever untruths/mistakes that it's member corporations insist on reporting. I have submitted another dispute that is clearly a mistake on the company 's part, but Equifax either did not read the supporting evidence or refuses to force the company to modify the tradeline consistent with the status that is supported by the documentation. 
On XX/XX/XXXX, I submitted dispute # XXXX, is dispute to delete a tradeline. I filed because the creditor agreed to delete the tradeline as a result from a previous CFPB investigation ( XXXX ). The effective date of that deletion was XXXX, but as of XX/XX/XXXX, that tradeline still existed on my credit report. Evidently, the message to deltee the tradeline never made it to that company 's clerks who process credit reporting. So, in my most recent dispute, I attached the letter from the creditor which outlines the commitment and includes the tradeline deletion form. Instead of Equifax reading and deleting the tradeline, they forwarded the dispute to XXXX ( now XXXX XXXX XXXX ) again, and whatever clerk received the dispute responded back that the tradeline is reported correctly. So, it's clear that either Equifax didn't send the document to that clerk or that clerk didn't open to read the document from XXXX/XXXX  committing to deleting the tradeline ( as of XX/XX/2020 ). Attached is the documentation : 1. The CFPB complaint ( XX/XX/2020 ) 2. XXXX/XXXX  XXXX XXXX Tradeline Deletion Commitment ( XX/XX/2020 ) 3. Recent dispute results of tradeline deletion request showing XXXX/XXXX  clerk responding the account is reporting accurately.
Complaint sub-issue: Public record information inaccurate

As of XX/XX/XXXX, an agreement was reached with the CRAs to remove any tax liens or civil judgements that did not include a Name, Date of Birth, Full Social Security Number or Date of Birth. All three of my State of Georgia tax executions have been paid, satisfied and cancelled from record. However, the liens are still showing on my credit reports and do not meet the new reporting standards. My Date of Birth nor my full SSN are listed on any of the executions. I have disputed this information listed under the Public Records section with XXXX, Equifax and XXXX. XXXX did remove the liens from my credit file. However, Equifax and XXXX only verified the records.

I've contacted Equifax customer service and was told that they use a third party to obtain and verify
public records. I was advised to contact XXXX to dispute this information. I contacted XXXX and initiated a dispute of my XXXX XXXX information listed on my Equifax report. I received a letter dated XX/XX/XXXX stating the that information was deleted from my record. However, Equifax never updated there system and is still reporting this information as of XX/XX/XXXX. 

I also contacted XXXX customer service and was told the information is correct and that I would have to wait 10 years from date of filing for the records to be removed. 

I have attached copies of all three tax executions and the letter from XXXX for your review.
Complaint sub-issue: Reporting company used your report improperly

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

15 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