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

I have sent numurous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Complaint sub-issue: Account information incorrect

CONSOLIDATED XXXX LOANS WITH XXXX XXXX. CREDIT REPORTS HAVE NOT BEEN UPDATED BY EITHER EQUIFAX XXXX OR XXXX CREDIT BUREAUS OR XXXX. MY ACCOUNTS FOR XXXX ARE STILL DISPLAYING OPEN AND CURRENT. ACCOUNTS WITH XXXX ARE PAID AND CLOSED. BALANCE NOT REFLECTING {$0.00} BALANCE FOR XXXX XXXX XXXX OR XXXX. XXXX XXXX XXXX ACCOUNT PAID IN FULL IN THE AMOUNT OF {$250.00}.
Complaint sub-issue: Information belongs to someone else

My wife and I found a new home we decided to buy it so when the lender ran our credit everything looked good but one account on mine it was from U.S Bank it said never paid a bill 90 days late cancelled account. I told the lender I do n't know anything about this account so they game me contact numbers to call to find out more about this account. Finally after four different numbers being transferred to and waiting at least 10-15 minutes each time to talk to someone I found that U.S Bank is a credit card company and someone took my information when on the internet applied for a credit and was approved for {$5000.00} so this person that stole my information purchased {$4200.00} of merchandise and never paid on it. So I talked to the lender and they said this shows up bad on credit score and this is going to drive your interest rate up maybe not even be able to get the house I had a XXXX credit score before my information was stolen now it 's a XXXX. I.S Bank told me it will take 90 days to take care of this and when they are ready to clear this from my records they will send a letter in the mail saying it 's taken care of. My wife and I ca n't wait 90 days we can miss out on this new home we are trying to buy I spoke to atleast 3 different people from U.S Bank on the phone all them say the same thing 90 days this is just not fare or right how can someone go on the internet apply for a credit card and get approved? My wife and I are frustrated we do not know what to do?
Complaint sub-issue: Investigation took more than 30 days

Per Equifax 's Press Release Statement : there was unauthorized access from MidXX/XX/XXXX. The first indication that Equifax gave of this breach was on thXX/XX/XXXXThis I an extreme amount of time to investigate and notify those affected of the LARGEST CYBERSECURITY BREACH in United  States history. To top it off, the service that is offered by Equifax is through another entity who deceptively state in their ToS that signing up for this service ( which is offered to all victims of the breach ) removes your right to sue and that it will be decided in arbitration? The TOS is hidden and does not inform you until " after you 've input information to check if you 're affected ''. There are some that were registered automatically, INSTANTLY removing their rights to a fair trial. 

On top of it all, constant 404 's on the Equifax page, I am unable to complete forms on the Equifax page to put up a fraud alert ( calling them states they are too busy ). They also charge {$10.00} to put a freeze on your credit. Something that should be provided free of charge at the least! How is it legal for a company to say " We 're one of the 3 largest financial enterprises in credit consumer reporting in the world. We just had the largest data breach in history and we 're going to have our website broken and charge you to fix the problem. By the way, if you go with our service, you give up all right to SUE US FOR STORING INFORMATION IN PLAIN TEXT!
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Complaint sub-issue: Information belongs to someone else

Over the past 2 months I have tried to have my creit locked due to identy theft and credit buros did not, lock my credit resulting in almost 50 inquires and equafax refuses to remove and account that was a result of identity theft The fradualnt acount is XXXX XXXX XXXX for {$120.00} The fradulant inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX INFO SVCS Automated Consumer Interview System EQUIFAX INFO SVCS. Automated Consumer Interview System XXXX XXXX XXXX   Direct to Consumer Report XXXX/XXXX Promotional Inquiry XXXX  ID Report EQUIFAX Automated Consumer Interview System EQUIFAX INFO SVCS. Automated Consumer Interview System EQUIFAX INFO SVCS. Automated Consumer Interview System XXXX XXXX ID Report XXXX XXXX/EQUIFAX ID Report XXXX XXXX XXXX XXXX Promotional Inquiry XXXX XXXX Prequalification for Credit Card XXXX  Promotional Inquiry
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Complaint sub-issue: Public record information inaccurate

Checked my credit report. I see some of my old accounts that were discharged but so accounts are not showing.
Complaint sub-issue: Banking errors

RE : XXXX XXXX Business Streamline Checking Account Number : XXXX Dear Consumer Financial Protection Bureau ( CFPB ), While visiting a Citibank branch on XX/XX/2021, I opened a new Business Streamline Checking Account. According to the business relationship banker who opened my account and the Citibank website, I was eligible to receive a {$1500.00} sign up bonus if I ensured the following conditions were met : Within 30 days of opening your account Qualifying Balance Period, deposit {$100000.00} new-to-Citibank funds into the Streamline Business Checking Account Maintain balance of {$100000.00} for 60 days after the " Qualifying Balance Period '' o Qualifying Balance Period = 30 days o Maintain balance of {$100000.00} = 60 days o Total amount of days = 90 days I have met all of the aforementioned conditions to be eligible to receive the sign-up bonus. Below is a chronological order of events which illustrate that I in fact met all the conditions required by Citibank : XX/XX/2021 : Opened account XX/XX/2021 : Deposited {$100000.00} new-to-Citibank funds into my new Streamline Business Checking Account As required by Citibank, I funded the account within 7 days ( requirement is within 30 days ) As required by Citibank, I maintained a minimum balance of {$100000.00} in my new Streamline Business Checking Account for a period of 93 days through XX/XX/2021. Citibanks requirement was a total of 90 days : o Qualifying Balance Period = 30 days o Maintain balance of {$100000.00} = 60 days On or around the 5-month mark after opening this new account I became very concerned that the bonus I earned was not yet awarded to me. I immediately called Citibank to try and resolve the issue, but after 4 telephone calls, 3 hours waiting on the telephone for someone to answer my call and address my concerns, my issue remains unresolved. 

I am 100 % confident that I have met the required conditions and am eligible to receive the {$1500.00} sign up bonus. 

I am hoping your organization can help me. 


Thank you, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, Equifax has violated my rights, by reporting credit accounts on my credit profile that are against the FCRA Laws. 

XXXX XXXX XXXX XXXX XXXX delete account XXXX XXXX XXXX XXXX XXXX delete account XXXX XXXX XXXX XXXX XXXX delete account XXXX XXXX XXXX XXXX XXXX delete account XXXX XXXX XXXX XXXX XXXX please delete account XXXX XXXX XXXX XXXX XXXX please delete account XXXX XXXX XXXX XXXX XXXX please remove late paymentXXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove late payments 15USC 1681 Section 602 States I have the right to privacy.

15USC 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 purpose.
Complaint sub-issue: Old information reappears or never goes away

I am XXXX XXXX. I am submitting this complaint on behalf of myself, no third party involved. XXXX of XXXX I began the dispute process with Equifax over 3 unverified accounts in collections on my report. I disputed all 3 accounts from XXXX XXXX because all accounts were unverified. I received no responses from the first investigation. I repeated the process with 3 more rounds of disputes, a total of 4 rounds of disputes in an attempt to resolve the discrepancies with the company. Each time from rounds 2 through 4 they provided invalid forms of proof in order to justify illegally reporting these accounts on my credit report. Each time their willful and improper investigations yielded no VALID forms of documentation as required by the FCRA under section 611 to provide proof that the debt is in fact mine. There must be an original document consumer contract containing my signature on it in order to verify the account and legally report it. The dispute process with the company ended XX/XX/XXXX without remedy. My account has had these collections since XXXX and for several years has damaged my credit and negatively impacted my life. Im homeless and have been unable to obtain housing for years because of the illegal practices ruining my credit caused by Equifax. Ive exhausted all options with the company and they have repeatedly dismissed my valid disputes over my credit report. Roughly cost {$120.00} to dispute with Equifax for printing, copying, postage, and notarizations.
Complaint sub-issue: Account information incorrect

There were four Dispute letters sent to each Credit bureau. All credit bureaus investigated a collection account on my report for {$3700.00} that is not mine and does not have a legal sign contract stating that it's my account. XXXX XXXX found the collection account is unverified and the account was closed on the XXXX XX/XX/2019 as seen on attachment. Then on XX/XX/2019, it was put back on my report. Equifax and XXXX fail to do their investigation correctly after all four disputes sent. The first Dispute letter was sent out on XX/XX/2019, Second, XX/XX/2019, Third, XX/XX/2019, and XX/XX/2019. I also sent out validation letters to the collection agency and they failed to prove that the account is mine with no proof of a signed contract nor other information that was asked according to the federal Fair Credit Reporting Act ( FCRA ).
Complaint sub-issue: Investigation took more than 30 days

Made a dispute with Equifax on XX/XX/2020 which was received by certified mail # XXXX that was received on XX/XX/2020 per the certified mail receipt. Addtiionally, I sent the same dispute on XX/XX/2020 that was received XX/XX/2020 certified mail # XXXX per the certified mail receipt received. The dispute letter sent both times is listed below : XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, California XXXX Equifax Equifax Credit Information Services,  XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Re : Disputing Credit Report I recently received my credit report from your company and located the following incorrect information. This credit report does not accurately reflect my true payment or credit history and is therefore extremely injurious to me. 
I request for any and all documentation associated to verify my account including my signature. If you fail to produce any documentation I ask for this information be deleted from my credit report. My disputes are as follows : Designed Receivables Account # XXXX Designed Receivables Account # XXXX XXXX  XXXX Account Never Late XXXX/XXXX  Account Never Late Please send the names and addresses of the persons contacted to verify this information. If this is not resolved with in 30 days a have the right to small claims litigation as I can legally seek {$1000.00} for each violation : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act  Additionally, I would like to have all other names, addresses, phone numbers and place of employment indicated on my credit report removed, as I believe they are cross-referenced with other individuals with similar names. 
My correct name is : XXXX XXXX My correct address is : XXXX XXXX  XXXX XXXX, XXXX XXXX, California XXXX My correct employer is XXXX XXXX I believe creditors have not entered my name correctly when requesting my credit file. Please remove all other names and addresses and employers. I do not wish to be confused with individuals going by any other form of my name ; therefore, they must be removed. 
Signature and SSN redacted for privacy
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 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: Other problem

Without waring or reason, my card was closed last year by Elan Financial Services. I now need copies of my 2020 statements for tax purposes, and can not access them online. I would like the statements to be electronically delivered to me. If not, they can be mailed to my current address.
Complaint sub-issue: Didn't receive notice of right to dispute

I recently reviewed a credit report from XXXX XXXX and found that There is an item allegedly pertaining to me and was furnished by Pro Collect.The original report date was XX/XX/XXXX I reached out to Pro Collect via Affidavit dated XXXX XXXX and advised them of the following : I do not recognize the item which is negatively affecting my credit and causing me distress in a variety of ways. The furnisher of the item is Pro Collect. 

I was never given notification by Pro Collect of the alleged debt prior to it showing up on my credit report I was never given the opportunity by Pro Collect to request documentation that could validate the alleged debt. 

I was never given notification that I had 30 days to respond to the accusation of debt by Pro Collect before it could be assumed as pertaining to me. 

I advised pro collect that this is undeniable proof that they are in violation of the Fair Debt Collection Practices Act section 809 which only allows for 5 days after initial communication to provide the above mentioned information. I requested that they cease reporting this item to any and all bureaus immediately.
Complaint sub-issue: Was not notified of investigation status or results

I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. THERE WERE ITEMS THAT WERE DELETED DURING MY DISPUTE HOWEVER, THERE ARE ITEMS THAT ARE STILL SHOWING ON MY CREDIT REPORT WHICH I INCLUDED DURING MY PREVIOUS LETTERS. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS.
Complaint sub-issue: Other problem getting your report or credit score

Im attempting to obtain a mortgage. The mortgage company cant pull my Equifax score, due to an error of a consumer remarks/fraud. Ive called Equifax on three different occasions, I faxed over identity documents asking to remove any stops or remarks. I called and spoke with a supervisor named XXXX XXXX ID # XXXX, who them told me there arent any consumer remarks or fraud stops on my account and the mortgage lender shouldnt have any issues. But the mortgage lender continues to get an error message of a stop being on my account from equifax. Equifax is currently holding ( preventing ) me from obtaining a mortgage. I need a assistance, there should be no holds on my credit profile.
Complaint sub-issue: Debt is not yours

XX/XX/2017, I placed an order with XXXX via XXXX ; leasing a new device, and establishing a line of service ending in XXXX. I was migrating my existing line and existing device from a company line to a personal line. I ended the company line. I was given a temporary line ( XXXX ) while they completed the migration of my existing line, and was told upon completion it would replace the temporary line. 

That did not happen. The customer service representative kept a second line open against my permission, Then made it look like I requested cancellation so Id be charged an Early Termination Fee. I contacted XXXX XX/XX/2017 and reported their error. I was then told I was responsible for the early termination fee. Of course I refused due to their misstep in transferring my service. They would not fix it. So I made a complaint to the Better Business Bureau. Complaint # XXXX. I spoke to XXXX several times via email about my complaint. He lied to BBB saying he never heard from me, which automatically closes the case and the account went to collections for {$440.00}. I. C. Systems, Inc then increased the charge to {$460.00}. Which is illegal. 

I have the emails of correspondence which I will attach. I would like this collection account deleted immediately from my XXXX credit report and never added again to any of my credit history with all three bureaus. The fact they did not own their mistake and then the collection agency taxing on more money is horrible. 

I have disputed several times over the years to no avail. I recently discovered CFPB so here I am making this complaint.
Complaint sub-issue: Investigation took more than 30 days

I HAVE DISPUTED MULTIPLE MEDICAL ACCOUNTS THAT WERE NOT VERIFIED ACCURATELY OR WITHIN 30 DAYS AND EQUIFAX REFUSES TO DELETE THE ITEMS OR VERIFY THEM CORRECTLY, THEY ARE VIOLATING MY HIPPA RIGHTS WITH COMPANY MEDICAL DATA SYSTEMS DATES XXXX ALL OTHER CREDITORS HAVE REMOVED THE COLLECTIONS AND MY COLLECTIONS AREN'T PROPERLY BEING ADDRESSED. XXXX XXXX AND XXXX HAVE NOT PROVIDED ANY IDENTIFICATION OF IT BEING MY DEBT AND EQUIFAX IS STILL REPORTING AND TAKING MATTERS INTO THEIR OWN HANDS INSTEAD OF FOLLOWING THE LAW.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly a collection on the XXXX partial account number XXXX. ( Please see pages XXXX and XXXX of the attached credit report. ) It is reporting a balance of {$6500.00}. This account has been settled. Please see the attached summary, specifically payment made to XXXX XXXX & XXXX XXXX & XXXX, regarding this collection. This line item needs to be removed from my credit report. This incorrect reporting is harming my credit score.
Complaint sub-issue: Old information reappears or never goes away

I called Equifax about 3-4 weeks ago and spoke with a representative named XXXX to request an early exclusion on a collection account that is due to age off my credit report this coming XXXX. He granted me this early exclusion and said that this collection account would be removed with the next update of my report. Well, I just refreshed all 3 of my credit reports and this collection is STILL ON my Equifax report, despite the fact that I was told by YOUR agent that this account would be REMOVED IMMEDIATELY and would reflect this on my next report refresh. In fact, it says that the balance on this account was updated on XX/XX/XXXX, just 5 days ago, when this account should have been DELETED as your representative granted me an EARLY EXCLUSION on it. This collection is from XXXX XXXX XXXX. I have uploaded a screenshot of this collection as it currently reflects on my Equifax report with this complaint. Again, YOUR REPRESENTATIVE, XXXX, whom I spoke with on the phone a few weeks ago, ASSURED ME that this account would be DELETED as he was granting me an EARLY EXCLUSION. If this is not deleted from my report IMMEDIATELY, I will report Equifax to the State of Maine Attorney General 's office.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX The name listed above should be the only name listed on my report. Please remove the following name on the report and numbers : XXXX, XXXX, XXXX XXXX , Any phone numbers on my report shown should be deleted if its not the following number : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called the consumer to complain about it and nothing hasn't been done about it by them removing these things off my credit nothing has been done about it