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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Equifax, XXXX, XXXX Re : XXXX XXXX XXXX  accounts To Whom may concern, On XX/XX/XXXX I filed a dispute/complaint through the CFPB pertaining to two fraudulent files furnishing on my consumer report. I requested a investigative consumer report Pursuant to 15 USC 1681d ( a ) done by all consumer reporting agencies by phone and through the CFPB initially pertaining to the two fraudulent accounts. On XX/XX/XXXX Equifax responded back that the account had been either disputed or they provided me with results already. In which both responses are unacceptable. I never received anything. Due to my right to privacy as a consumer being violated Per USC 1681 ( a ) ( 4 ) by furnishing and sharing my information without my knowledge or consent. I filed the dispute/complaint on XX/XX/XXXX ( # XXXX # XXXX # XXXX ) requesting Pursuant to 15 USC 1681i ( 7 ) the description of the reinvestigation method referred to in 15 USC 1681i ( 6 ) ( B ) ( iii ). I requested all documents involved in the reinvestigation. Pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ) if the completeness or accuracy in a consumers file is disputed the consumer reporting agencies shall conduct a reinvestigation to determine if disputed information is inaccurate and record status, or delete the item from file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer. I filed this dispute through the Consumer Financial Protection Bureau on XX/XX/XXXX, its currently XX/XX/XXXX. I havent received any description of the method of reinvestigation thats assured to me the consumer in 30 days by Congress. This is very detrimental to me the consumer in these grave times of economical hardships, with all the scrutiny of millions of inaccuracies and non-investigation accusations coming against the consumer reporting agencies from Congress and Consumers alike. As well as its being openly admitted by the consumer reporting agencies of discarding millions of disputes a year without investigation. Discarding any dispute without investigation violates the Fair Credit Reporting Act FCRA. Its already has been reported that CFPB has cited you Consumer Reporting Agencies for accepting insufficient investigation reports from data furnishers without an independent investigation. Which as a consumer, this misuse of power and responsibility is a grave concern to me in these hardship times of economical struggle, scams, identity theft and so forth. I request both fraudulent accounts be deleted from consumer report pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ). Pursuant to 15 USC 1681n theres civil Liability for the willful noncompliance of the FCRA. Which will be my next step.
Complaint sub-issue: Didn't receive enough information to verify debt

I was contacted on XXXX by I Q International. When I spoke with the rep he was very verbally abusive. He stated that I need to pay the amount in full and that they do not accept any type of payment arrangements. I told im i did not have the XXXX he then stated why was I calling him and wasting their time. However, I did not call them. He then stated they were going to negatively affect my credit. I decided to take a moment to calm down and call back on XXXX. When I got a rep on a phone I stated what happened the day before and that I had questions. He stated they do but they do not make payment arrangements. He advised me first I need to apply for a loan from a third party to pay them in full. He stated I need to do this with a co-signer because of my credit was bad. I personally do not think this was any of his business to ask me that kind of information. He then went on to state that if I was denied I need to send them that information and then they will talk about payment arrangements. I have never heard of a company that collects debt dealing the way they are and find it not right as well as abusive and intrusive to personal business that they should not be asking. They have degraded me and made me feel as if im am being bullied in to applying for a loan I know I can not get or a loan that is going to cost me well over what my normal debt is. I asked if they will provide any paper work stating I am making payments as i already know i will not be able to get as I do not have a co-signer or the credit score to  obtain such a loan. He then stated that they do not give any type of paper stating I am paying so I can try and get another apartment and show I am working to pay that debt off. I'm not sure if this is a legit way of doing business with people or if this is a complete scam. My next move is to open a lawsuit since I can not even get the correct information or any type of document showing im paying or what they are saying is true. Its not okay to treat people in this way when they are trying to pay.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

My mother used her XXXX XXXX Debit Card and attempted to withdraw cash from an ATM ( I am her representative payee ). The ATM dispensed no cash, issued no receipt. It flashed an error message " your financial institute does not allow transactions of this value ''. When she went to a different ATM, the previous withdrawal had been deducted from her account as if indeed it had been dispensed. I could not contact this company and I made MANY attempts to remedy this error until almost three days later. I was unable to successfully file a claim with them until six days later and they then made her wait another twenty days to issue a 'temporary ' credit while they researched. One month later, I received a letter from XXXX XXXX Stating they were reversing the temporary credit because the merchant 'stated ' there were no errors on that atm. They did not demand proof of dispensation and they have not complied with my request for all documents pertaining to these transactions and for the proof of dispensation. I am attaching a full outline of all dates for phone calls and actions taken by myself.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several disputes going back to XX/XX/XXXX as well as XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Despite the multiple CFPB complaints that I have been submitting to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent accounts on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/2022, but no response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have done nothing and ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. I am submitting yet another CFPB complaint to the Credit Bureaus to request that the following Fraudulent accounts listed below still reporting on my credit report and have caused a large decrease in my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following accounts removed from my Credit Report as soon as possible : XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX Balance Owed : {$6100.00} XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Im having problems with XXXX XXXX XXXX XXXX and the credit reporting companies reporting my balance and payment history. Im missing approximately 9 missing payments that were made on time, they jus werent reported. So on my credit reports it reads no data in stead of saying paid. I also have my credit card statements which were provided to me by XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Account information incorrect

My Equifax credit report displays incorrect accounts displaying on my credit report which needs to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. I need these incorrect information removed from my Equifax credit report.
Complaint sub-issue: Information belongs to someone else

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with XXXX & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX .The account : XXXX XXXX Balance Owed : {$11000.00}.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I noticed an item was placed on my credit profile for a medical bill that was never brought to my attention. XXXX ( {$750.00} ) I was never sent a bill, never was notified that I owed this money. As per my report it states it was a bill from XX/XX/XXXX in which I did n't even visit the hosipital at that time. I want this item removed from my report as I have no Knowledge of the account nor was I even notified that this was being inserted onto my credit.
I opened a Credit dispute on this issue with XXXX XX/XX/XXXX. I am awaiting the results.
Complaint sub-issue: Investigation took more than 30 days

I HAVE SENT A DISPUTE FOR EQUIFAX AND STILL HAVE NOT GOTTEN A RESPONSE.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 I submitted a letter to suppress fraudulent information from credit report along with a FTC report, and proof of identity to these companies. They should have received this request on XX/XX/XXXX because I sent it overnight. According to the FCRA these accounts are suppose to be removed from my credit report within 4 business days of being received due to them being fraudulent. The companies have not sent me any correspondence regarding my request as of yet. I've reached out to XXXX and they told me they did not receive my request. There are still accounts on my report that do not belong to me and my federal protected consumer rights are being violated.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019, a payment of {$3900.00} was charged to my credit card. The finance company ( XXXX XXXX XXXX ), made an inquiry to XXXX XXXX XXXX on XX/XX/2019 and found that I did not have an account with XXXX XXXX XXXX, the originating charge. 

XXXX XXXX notified me that there was a problem with my account. I called them and they told me that scam had been made against my account and that the transaction had been reversed. I asked who made the charge but they stated they didn't know. They did know that it came from XXXX XXXX XXXXXXXX. I asked for the balance on my account and it was OK. They said because of the scam my account was closed. 
I assumed that all was then care of. 

On XXXX XXXX they sent me a letter that confirmed that I had been a victim of a credit card scam and that they had closed my account. 

There followed subsequent phone calls where they proceeded to attempt to blame me for the transaction. More denials that they did not know who made the transaction. One person said he would refer the problem to their Fraud Dept. Gave me the number to call and the Fraud Dept. denied the case was referred to them, but would investigate.

Then the Fraud Dept. sent me a letter telling me they found no fraud, that I had made the transaction and they would do no more.
Complaint sub-issue: Problem during payment process

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Complaint sub-issue: Debt is not yours

In XXXX I got divorced. In the divorce degree the court ordered my ex wife responsible for several credit card debts. 

in XXXX Citibank closed the account for the Home Depot Credit card with a balance of {$750.00} that was one of those accounts assigned to my ex wife. as a result of providing them a copy of the documentation. In XXXX the account was charged off. and stopped appearing on my credit report. 

In XXXX of this year, a Company ( XXXX XXXX XXXX ) I had never hear of, nor initiated any business with started reporting this debt again to the credit reporting agencies. I reached out to the company to find out what was going on. They told me the purchased the debt from Citibank, and that I was not responsible to them for the debt. I provided them the same information, and let the know the account had been closed for some time. The continue to report this to the reporting agencies. I even offered to pay them what they paid for the debt, but they refused. 

This debt is not valid. I have provided proof, and I have never agreed to a business relationship with this company. They do not have my signature affirming I have agreed to have an account with their company. 

I have disputed this with the credit reporting agencies, but they seem to believe it is valid, even though there is no agreement between me and this company.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please see Attached FTC report. Its a number of inquiries on my credit file that doesnt belong to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. The date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. All Three Credit Agencies XXXX, XXXX and XXXX have reported these creditors as causing an inquiry. Since I have not yet obtained verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper identification that it was me that requested the information. The following is just from XXXX report XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX   XXXX - XX/XX/XXXX -1 to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX  XXXX - XX/XX/XXXX -1 Inquiry to XXXX  XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX  XXXX XXXX  - XX/XX/XXXX -1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  Credco - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX   XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX   XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX XXXX XXXX - XXXX inquiry to XXXX   XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX   XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX  - XX/XX/XXXX - 1 inquiry to XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I need help with my payments. 
Since I could not do any.
Complaint sub-issue: Information belongs to someone else

Credit Inquiries- I've called and advised them many times that these credit inquiries with no credit history status does not belongs to me. I asked if they can remove the inquiries I was told No. As the consumer I have the legal rights to demand removal if and indeed these accounts does not belongs to me.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, after pulling my credit report with a mortgage company, I discovered an unknown credit card account on my credit report. The alleged account name is : XXXX XXXX, allegedly opened on XX/XX/XXXX On XX/XX/XXXX, I started my dispute journey with the credit bureaus. I submitted my dispute package. 

On XX/XX/XXXX, I pulled an updated credit report to see the changes, unfortunately, EQUIFAX & XXXX  have not removed it from my credit report.
Complaint sub-issue: Information belongs to someone else

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XXXX, and XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. to this day 90 days later. I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored and not taken seriously. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report i has been 30 days so these items should be deleted. Ive been patient and Ive sent multiple letters giving them time to respond.I demand these accounts be deleted immediately or I will file for litigation due to the stress I have been caused. Also, my information was also impacted by the Eqifax data breach and may have gotten into the wrong hands.
Complaint sub-issue: Funds not handled or disbursed as instructed

Ides deposits here but i ndver get my money for reported frauds. I have never seen key respond to complaint.
Complaint sub-issue: Information belongs to someone else

I have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in 609 letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my 609 letter. I received no verification from any account. I want all to be deleted and my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.
Complaint sub-issue: Public record information inaccurate

Dates XXXX, XXXX, XXXX, XXXX, I have disputed Case number XXXX, Case number XXXX, I even mailed the court, the credit bureaus stated this account was filed with to see how this was verified on my credit and I have their response stating they dont verify with credit bureaus thats a third party resource. I am very disgusted that a third party is responsible for inaccurate information placed on my credit a long with the credit bureaus. I have a letter included a long with the person I believe this account belong to.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX, The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account Number:XXXX  Account NumberXXXX Account NumberXXXX According to the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) Section 2 : Consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Problem using a debit or ATM card

I opened a checking account with BOK financial on and about XX/XX/2019, I used the debit card ending XXXX make some purchases of merchandise in XXXX and bring them back to resale in US. I spend roughly {$8600.00} total on the purchases but non of the item received by XX/XX/2019 which I expected, I have contacted the merchant several times and they always avoided my calls and never return my calls despite I left tons messages, I felt I got scammed, I filed fraudulent disputes against the merchant thru BOK financial, they told me that all charges were authorized so they stayed on my account, I have explained my situation further to them and asked them to reopen the case, they simply refused to do so .... This financial institution has no intension to help it customers, they even closed my account due to file disputes.