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

The following is the information regarding specific incorrect reporting on my credit report that I sent to each credit bureau. 

Dispute sent to XXXX XXXX Consumer Disclosure Center : 1. XXXX XXXX XXXX XXXX, MA XXXX is an old address that I no longer live at. My ONLY correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Please remove it from my credit report. 

2. XXXXXXXX XXXX XXXX XXXXXXXX - Late payment history listed for 3 months : XXXX, XXXX, XXXX, all of XXXX. 
This is incorrect. Please remove it from my credit report. 

3. Hard Inquiry - XXXX XXXX XXXX Date of Inquiry : XXXX. XXXX, XXXX This inquiry was not authorized. Please remove it from my credit report. 

4. Hard Inquiry - XXXX XXXX Date of Inquiry : XX/XX/XXXX This inquiry was not authorized. Please remove it from my credit report. 

5. Hard Inquiry - XXXX XXXX XXXX Date of inquiry : XXXX XXXX, XXXX This inquiry was not authorized. Please remove it from my credit report. 
_______________________________ Dispute sent to Equifax Disclosure Department : 1. Names Reported : HASSAYOU is what is listed and is the incorrect spelling of my first name. The correct spelling of my first name is XXXX. Please remove the incorrect name from my credit report and replace it with the correctly spelt name. 

2. XXXX XXXX XXXX XXXX, MA XXXX is an old address that I no longer live at. My ONLY correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Please remove it from my credit report. 

3. 4 Late or Missed Payments Listed On Account - XXXX XXXX XXXX Months listed of claimed missed payment : XXXX, XXXX, XXXX, and XXXX all in the year XXXX. Please remove it from my credit report. 

4. Hard Inquiry - XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please remove it from my credit report. 

It has been over 30 days, and I have not heard back from either credit bureau. The items have not been removed from my credit report yet either.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Theres an inquiry on my consumer report from a company I do not recognize. I dont have an account with them under collection nor for review
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX IF falsely reporting information on my credit report that is invalid. Due to current litigation against this company, it is illegal to report any negative information on my credit report until after the court matter is resolved. 

Please see attached documents I am currently appealing a case with this company, and a decision has not been handed down as to the outcome of that case.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Complaint sub-issue: Threatened or suggested your credit would be damaged

I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Complaint sub-issue: Account status incorrect

In XXXX of this year ( XXXX ), my income was temporarily affected by the COVID-19 pandemic. I immediately contacted ( by phone ) all of my creditors, including XXXX XXXX. XXXX XXXX like the others gave me an additional period of time to recovery ( 60 days ), and ensured me that no negative references would be reported to the credit bureaus. I missed two payments in XXXX and XXXX ( as I did with all my other creditors ) and they reported me ( none of  my other creditors reported me late, with the exception of XXXX XXXX ) and my score dropped 100 points. I immediately wrote them to protest their action, but to no effect. They deny their promise to me that was made and refuse to delete the negative reference on my  credit report. 

I have not gone over 30 days on a payment to a creditor since XXXX. I have three mortgages and seven credit cards and take personal credit rating very seriously. Specifically with XXXX XXXX, i have had the account since XXXX, have a credit limit f {$20000.00} and and never gone over 30 days. 

When the COVID-19 pandemic first began and I contacted them, I was assured over the phone by one of their representatives that this would not happen and it did. 
I respectfully ask for your assistance to make an inquiry to XXXX XXXX on my behalf.
Complaint sub-issue: Funds not handled or disbursed as instructed

My business checking account was frozen in XXXX due to a fraudulent check being processed by BBVA. Upon reviewing the check it was plain to see that it was not one of our company checks. We were told to set up a different checking account so that this wouldn't happen again. But that is easier said than done as we are paid electronically by insurance companies so a lot of work including verification is required make this happen. 
In the meantime a business relationship manager at BBVA continued to manually process payroll and other bills at our request. 

After the buy out was finalized on XX/XX/XXXX we no longer had access to the business relationship manager. Not sure what happened to him. I was also unable to see all my accounts at BBVA now PNC. On XX/XX/XXXX I went into the XXXX branch in XXXX to get the account unfrozen. XXXX XXXX the teller wasn't sure how to do it as she hadn't been trained in the new way to do this yet. And I believe her as I have worked with her for years. She is outstanding!! 

Despite follow up phone calls on XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX nothing is happening. Each time I'm told that a review team " will get to work on it '', but each time I call they seem to have no notes on my previous calls and also are unsure why the account was frozen to begin with. This isn't surprising as I also have no statements available online prior to merger. For a bank they're record keeping is awful!! 

The bank seems to not care at all about my challenges to pay employees, bills, etc when I don't have access to my businesses funds. They are acting like it's their money!! 

Also it's difficult to determine how my business is performing when my book keeper is unable to complete routine monthly book keeping without having access to statements and downloads.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX CCS//First Saving Bank Account number : XXXX XXXX Bank Account Number : XXXX Premier Bank Account XXXX Account Number : XXXX XXXX Progress Account Number : XXXX XXXX Account Number : XXXX Credit XXXX Bank Account XXXX Cash XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX. Has violated my rights. 

15 USC 1681 section 602 A. 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.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than XXXX years. 
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX/XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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: Their investigation did not fix an error on your report

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX and XXXX. 
This has caused me tremendous XXXX XXXX, and financial hardship.
Complaint sub-issue: Personal information incorrect

The company respond however I need there answers on their company letterhead XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Discover card account ending in XXXX ( Charged Off ) Consumer Financial Protection Bureau XXXX XXXX : XXXX Dear XXXX XXXX I, Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB XXXX XXXX To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We appreciate you bringing the concerns regarding the repayment and settlement of your Discover Card account to our attention and regret to hear of the difficulties that you faced. Our records confirm, your account charged off due to nonpayment in the amount of {$3500.00} on XX/XX/XXXX. We understand that sometimes our customers may experience financial challenges and we welcome the opportunity to assist them. Although, we can not accept your offer of {$950.00} to settle the account at this time, there may be repayment options to help you. Please contact our Customer Assistance and Recovery department at ( XXXX ) XXXX, to discuss any option that may be available. Thank you for allowing me the opportunity to address your concerns. Should you have any further questions, please feel free to contact me, or a member of the XXXXecutive Offices at the telephone number below. I am available Monday Friday : XXXX a.m. XXXX p.m. XXXX. Sincerely, XXXX XXXX Executive Office of Customer Advocacy Due to the age of your account, Discover Bank is not able to file suit against you, but if you take specific action such as making a written promise to pay, the time for filing a suit will be reset. We would like to work with you to resolve your account balance. '' CC : Consumer Financial Protection Bureau
Complaint sub-issue: Account information incorrect

As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 
Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 
If XXXX modifies the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request. If you have any questions, please reach out to me at the above address.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX  XXXX Credit Card with account # XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX {$2200.00} XXXX XXXX ), ( XXXX  with a balance of {$1100.00} ), ( XXXX XXXX ), ( XXXX with a balance of {$3000.00} 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 con
sumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. Again, Im sending over an Identity theft report # XXXX. Pu

rsuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please note that you have 4 business days to block the reporting of an y information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX the account is not derogatory. I am current on all of my payments, credit bureaus report this account inaccurately and did not follow the FCRA standards when it comes to responding disputes.. CFPB step up and reverse the late payments reported on this account .. I am trying to apply for a house and this keeping me from moving forward on the transaction.
Complaint sub-issue: Information is not mine

I do n't have knowledge of this hospital bill ... .i disagree with the bill
Complaint sub-issue: Problem getting my free annual report

Equifax : Under both Federal and New Jersey law, consumers are entitled to XXXX free report and discounted reports ( in many states ) thereafter. Equifax discriminates against those requesting scores under provision of law and will only deliver full price reports online. The process to order and/or receive free and discounted reports is unduly cumbersome and has the effect of negating the intent of the law. Consumers are virtually forced into paying full price. Consumers wishing to correct errors or detect fraud must choose between a delay ( if they exercise legal rights ) or paying extra. I was able to get a full price report delivered online immediately but could not access a free ( or state discounted ) report without writing a letter of request and searching for the proper address.
Complaint sub-issue: Information is not mine

Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Complaint sub-issue: Information belongs to someone else

Just check XXXX XXXX and notice there is a breach on my Credit report concerning XXXX XXXX! I don't have an account with PNB bank in XXXX! This is a fraud account and there was Identity theft in XXXX due to my social security number being compromised for many years! I have fraud alerts on my accounts but somehow this error slipped thru the cracks! I want all the credit companies to be aware which they should have been and remove any negative activity because this is affecting my score! Sincerely, XXXX XXXX XXXX! ****Please remove this name called XXXX XXXX XXXX XXXX my files, this name is being used for Identity theft purposes and is fraudulent. Keep the credit companies and consumer reports aware as well! Thank you!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Accounts # XXXX I.C. systems Inc, has violated my rights. 

1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. 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: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent the following information to Equifax. These XXXX loans were discharged due to total and permanent XXXX and I am not liable for them and they should have been removed. XXXX   removed them XX/XX/XXXX. I received a notice from my credit monitoring that Equifax removed the accounts but then they were reinserted back on to the report which should NOT have occured. This letter was sent along with proof of the discharge, proof of the other removal ( attached ) and has been sent multiple times over the last year and it seems like this request isn't even read and properly taken care of. This was the XX/XX/XXXX letter ( also attached ) ... 
These old closed accounts are duplicates and Im being reported for derogatory accounts that are no longer derogatory. These 8 original accounts reported by US DEPARTMENT OF EDUCATION account numbers of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have been consolidated and duplicated into two new accounts reported as DEPARTMENT OF EDUCATION/XXXX/ account numbers XXXX and XXXX. These accounts have all been discharged due to total and permanent XXXX and need to be deleted. I have sent this information in for over a year and it appears that this has not been read and deleted as it should. I have sent the proof of discharge as well as the fact that XXXX has deleted all of these accounts for the same reason and needs to follow suit as these accounts are not liable to me and need to be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed my XXXX credit card with Equifax because they are reporting incorrect/inaccurate information! They are reporting all these late payments which is destroying my credit scores that I have worked so hard to improve. They are reporting 40 late payments! How is that even possible when on the actual chart they are reporting 3?! I have disputed and disputed with them and all I get back is we are reporting accurate information! Obviously your not! I have the proof right here! My next step is going to be getting a lawyer I am so tired of them just reporting whatever they want and telling me its accurate! This is my last stop before I contact my lawyer! I have worked way too hard for them to report whatever they want to! How do you have an account that has been charged off as of XXXX and is closed still reporting late payments as of XX/XX/XXXX? Makes no sense to me!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received an alert from XXXX XXXX today that I had a hard inquiry on my XXXX and Equifax from XXXX XXXX XXXX! I have not applied for any credit from XXXX XXXX  XXXX at all and this just happened today! XX/XX/2022. Please help me! I am a senior and I have fairly good credit! This hard inquiry was not initiated by me and I dont need my credit rating to be destroyed by this act.
Complaint sub-issue: Information belongs to someone else

I have recently been informed that there is negative information reported in my file you maintain under my Social Security number. Upon reviewing a copy of my credit report I see the listing below has high impact to my credit.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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: Difficulty submitting a dispute or getting information about a dispute over the phone

After previous disputes I was able to get   XXXX   XXXX   and  XXXX   XXXX  off my credit report from Equifax but without giving me any notice Equifax put the collections back on my credit report   XXXX   XXXX   has n't reported since  XXXX    XXXX   they were removed  XXXX    XXXX  .  XXXX  was removed in  XXXX    XXXX  .
Complaint sub-issue: Problem getting my free annual report

I was unable to retrieve my annual free credit report from Equifax.
Complaint sub-issue: Not given enough info to verify debt

I had vacated my apartment on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX Hunter Warfield had sent me a notice saying I still owe {$1300.00} to the Landlord. I had asked for an explanation as I had never received any initmation to that effect from the landlord. Hunter Warfiled sent me a mail dated XXXX/XXXX/XXXX giving the break up of the said amount. This included items like damages to the property etc., As I was not aware of any damage to the property, I had sent them a certified post asking for proof on XXXX/XXXX/XXXX within 30 days of the receipt of the mail. I never heard from Hunter warfield till date. But they have sent a notifications to the credit monitoring bureaus which has resulted in a huge drop in my credit score.
Complaint sub-issue: Reporting company used your report improperly

LexisNexis is violating my right to Privacy as a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative on all accounts created by my seal/signature, FCRA and FDCP statutes by violating my right to privacy. I am NOT opting out of this company because I have never contacted them, never signed any contract with them. 15USC. Code 1681 - Congressional findings ( a ) Accuracy and fairness of Credit Reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 1692 b Communication with third parties. 
( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, TITLE 1.81.5. California Consumer Privacy Act of 2018 1798.100 - 1798.199.100 ( b ) A business that collects a consumers personal information shall, at or before the point of collection, inform consumers as to the categories of personal information to be collected and the purposes for which the categories