Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

above plus : continued failure to investigate within 30 days- insists that credits give them " updates '' and takes sweet time instead of bureau removing the debt.
DEBT NEVER OWED, DENIED IN FULL under FCRA. IMPROPERLY REPORTING-yet shows CRETIFIED ACCURATE.
NO PROOF SENT TO ME of contact made to these companies 4 mos now.I demanded proof. I dont need to keep send in my blood type and starship name.YOU HAVE IT ON FILE. I HAVE NOT MOVED RECENTLY. STOP REPORTING THAT I HAVE to block access.
refuses to remove these accounts. keeps " updating them '' instead. If the company XXXX me for over 12 mos now and STILL HAS THE ACCOUNT for some XXXX up reason ... I DONT OWE IT. YOU CANT EXTORT ME.
Complaint sub-issue: Investigation took more than 30 days

I have been waiting since XX/XX/XXXX for a method of verification of this account. I have filed numerous complaints with Cfpb and all the time they tell you all they are working on my issue. This is a violation of the FCRA and I have escalated this to the state attorney office. I have no signed contract of any sort with XXXX XXXX. Equifax was suppose to remove this after 30 days because they have no proof. It had been 4 months. I have attached the original letter I sent to them. The other 2 bureaus deleted it and Equifax has it lingering with no documents or proof.
Complaint sub-issue: Account status incorrect

I ordered an airline ticket for my wife in XXXX from XXXX XXXX and due tho the corona virus had to move the flight up from XX/XX/XXXX to XX/XX/XXXX, at the time XXXX XXXX would not answer any calls and no way to get a hold of them except for my wife to drive to the airport and change it personalty, which she did with me on XXXX and i had to pay a change of ticket fee which i did, After she flew, XXXX XXXX charged me for a second ticket, In which I started a dispute in XXXX. Best Buy Citi Bank started the dispute but the charge was re entered on my balance 2 weeks later, i called and again and they turned it over to fraud cancelled the card and sent me a new XXXX, XXXX week later the charge showed up on my new card I called fraud, they cancelled the card and and issued me a new one. The charge showed up again on the new card and after many calls to fraud, they apologized and said it was not a fraud and transferred it back to disputes again, this is 3 months after the fact now, no less than 35 calls to disputes the new dispute was never filed and after 3 calls to supervisors they assured me the dispute was filed. I cancelled the account due to frustration. The charge showed up on my balance again and after 10 more calls to employees and supervisors I was told they filed the dispute on the old card and not the latest card by mistake and they would file the dispute on the latest 2 cards. This never happened and the charge still showed up on my statement. No less than a total of 65 calls to Best Buy customer service and the next to the last call 17 days ago assured me the dispute was filed,. The amount plus late fees was still on my closed account and on XX/XX/XXXX I called again and was told the case was closed and I owed the money and that was that, On the same day a late payment was added to all three of the credit reporting companies ruining my perfect credit score, They refuse to help me any further and I lost a home purchase because of the 77 point score drop of a {$46.00} late payment. I immediately paid the whole amount am told this late payment will be on my report for 7 years ... .Please help
Complaint sub-issue: Frequent or repeated calls

I had a debt collector contact me that wouldn't Identify herself that was trying to verify old addresses for over 7 years back. I had to argue with her for her to identify that she was trying to collect a debt from sprint. The debt is more than 5 years old but it brought my score recently down 75 points as if it was brand new. Is That legal?
Complaint sub-issue: Investigation took more than 30 days

The following accounts where disputed on XX/XX/2021 and I didn't have resolution. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  The Bureaus XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Opened XXXX {$130.00}, XXXX XXXX Opened XXXX {$620.00} 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: 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 . 
Report and other furnished XXXX XXXX, Sage Stream, 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 only address is XXXX XXXX XXXX  XXXX XXXX, oh XXXX 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 , il XXXX XXXX XXXX XXXX XXXX XXXX  , il XXXX, XXXX XXXX XXXX XXXX  , il XXXX, XXXX XXXX XXXX XXXX XXXX, il XXXX 

Please remove my number from my credit report thats not : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX and Equifax are incorrectly reporting a State Tax Lien.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting report or credit score

Problem : Equifax sent an unencrypted email to me that included my user name to the Equfax web site and a transaction number. Doing so removes a layer of security ( user name ) from the unauthorized access to my credit information through Equifax 's web site. This is simply stupid by them and I want them to stop doing it. [ I am a retired XXXX with 27 years experience. ] History : I regularly obtain my credit report from all XXXX major agencies. For the last 3 years, I 've not been able to request it through their web portal. So I 've been calling their phone number to get it, and it arrives within a couple of weeks. But, this time, I received an email at the address they have on file which contained security information ( user ID ) and a transaction number. Unencrypted emails are not secure, and can be read all along the way from their server, to any server in-between, and on my mail server. Any nefarious person could tap into the email streams and gather such sensitive information, especially if they focus on the domain names of the XXXX major credit agencies.
Complaint sub-issue: Information belongs to someone else

I am filing a complaint and am provide letter sent by certified mail to experian on these unknown inquiries. I have no knowledge to the below inquiries therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I wish to see the original sources of the information reported including the original documents authorizing such inquiries with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. I have attached a copy of my driver license and social security card
Complaint sub-issue: Didn't receive enough information to verify debt

In the prior CFPB complaint ( XXXX ) in which I requested a validation of this account - the company Lending Club provided me with a ( 1 ) page  document ; which is attached, giving me only their snapshot of accounting and said the original creditor was named XXXX, and they closed the CFPB complaint without relief. The 1 page document they provided did not even list a contact person or phone number at Lending Club, or XXXX, and made the following outrageous claim that they were supplying me with " Other included items are written agreements and amendments, if any, payment transaction history, supporting documents, and if applicable, certain disclosures evidencing the existence of the above referenced loan number ''. You can take a look at that case number and clearly see they have sent me no such supporting documents, statements, signatures, etc that they say they sent. When I call Lending Club they have no clue how to help me, they said the debt was sold to XXXX XXXX XXXX. They are reporting my account as a charge off on all ( 3 ) credit bureaus as well! So many FCRA rules being broken and damaging me.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX Equifax added a collection account XXXX XXXX XXXX which was improperly and falsely handle. Upon further research, this account was transferred/sold and I am no longer responsible for this account and never have been.Under 15 U.S. Code 1681b- Permissible purpose of consumer reports.

( a ) In General Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, No consent is identity theft. They have violated my rights as a comsumer and Im requesting legal action to remove this account immediately. 
In Addition they have violated the Fair Debt Collection Practices Act as well.
Complaint sub-issue: Investigation took more than 30 days

I had a dispute with XXXX XXXX XXXX in regards to the accuracy on my credit report. I had wrote a certified letter on XX/XX/XXXX to them requesting validation with signature. They sent paperwork but never put it on my report that i was disputing it within those 30 days. I sent another letter on XX/XX/XXXX in regards to it and are still reporting it on my credit report when it is against the law.
Complaint sub-issue: Information is incorrect

To Whom It May Concern : I reviewed a copy of my credit report and [ company name ] ran an unauthorized credit inquiry on me on [ date ]. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ca XXXX
Complaint sub-issue: Account information incorrect

I have been out of the country do doing mission work. I came back and found out my bank account have been closed from XXXX XXXX.   XXXX XXXX is reporting that I have a loan that I owe on my credit reports. My bank account was compromised why I was overseas I never took out a loan I need a signature showing I took out this loan so I can find out who took out this loan in my name. This is not my loan so therefore this needs to be there late at from my credit reports. I have asked XXXX XXXX for a signature they told me they could not provide me with one if they can't provide me with a signature I need this removed from my credit reports today
Complaint sub-issue: Their investigation did not fix an error on your report

I was patient when it comes to disputing my Credit Report as long as I see progress, but this patience grew shorter over time due to the Credit Bureaus negligence and indifference with their work! I have been trying to correct my Credit file through written appeals requesting the update and correction of the disputed accounts form my Credit File. The last letter I sent to the Credit Bureaus was XX/XX/2022 and up until now I am waiting for the Credit Bureaus to respond. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

I am having some a long term issue with Equifax. The issue I am having is they say they are updating my credit report, but they are n't. In fact, they always agree that I am correct, and they say they will update my credit report and fix it. Sadly, this is not true. They are not updating my credit report every single month. They make the update and then stop, FOREVER. I am being forced to manually dispute my report every single month in order to get any sort of updates attached to my credit report. I ca n't even get new accounts added. If I stop trying to have them update my credit report, I get denied for loans because well technically the data is too old.
Complaint sub-issue: Problem with fraud alerts

On XXXX XXXX, 2015 I filed a Identity Theft report with my local police department via instructions XXXX Complaint # XXXX. I have sent this information to Equifax XXXX, and XXXX XXXX. With a confirmation delivery Receipt on XXXX XXXX, 2015 Equifax has not blocked this damaging information. I filled a complaint with the XXXX also because this matter is urgent! XXXX XXXX XXXX of Equifax has investigated this matter as a dispute and determined that the account belonging to me. I have spoke with local authorities that said this investigation is still on going. I have been a victim of ID Theft and I should not be held responsible for a debt that I have not agreed to pay! Equifax continues to report inaccurate information which I am sure they are aware of the violations that they are committing by doing so.
Complaint sub-issue: Card was charged for something you did not purchase with the card

The last time that I had the credit card ( 4XXXX XXXX XXXX XXXX ) in my possession was after I made the monthly payment of {$160.00} on XX/XX/2020. My work associates and myself went to a lunch on XX/XX/2020 and I brought the credit card in my pant pocket in case it was my turn to buy lunch that particular day. When I returned home that day and couldn't find my card I contacted the issuing bank immediately with no resolution whatsoever.

Since that exact day I have called 11 times with average wait times totaling one hour and a half - three hours and forty minutes. Most of the time I get hung up on by a third world country citizen that speaks nearly no English. They have NEVER attempted to call me back or email me back in any way. 

Last week I received a letter stating that a payment from an unknown source was attempted and failed to pay nearly {$600.00} in unauthorized charges. The bank did nothing to prevent the continued illegal use of my card. Instead, they are charging me {$65.00} for every attempt that the thieves make to use the card and access its funds. Now the online account associated with this card has been hacked and they REFUSE to issue a replacement card or honor the VISA 0 % LIABILITY PROTECTION POLICY. 

They continue to refuse to help me to this day and let criminals rack up a near {$1000.00} in illegal charges on the card. I must now go beyond CFPB and file FEDERAL and STATE charges against COMMERCE BANK and hire an attorney to bring suit. 


*ISSUE A REPLACEMENT CARD AND INITIATE VISA 0 % FRAUD LIABILITY ON ALL PURCHASES SINCE XX/XX/2020 AND REMOVE THE DOZENS OF FEES THAT I AS A VICTIM HAVE BEEN CHARGED BY YOUR BANK AS YOU SAT ON YOUR XXXX AND LET CRIMINALS HAVE A XXXX HAYDAY WITH MY CREDIT!!!!!!!
Complaint sub-issue: Information belongs to someone else

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

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Account information incorrect

I paid off a contract with Conn 's appliances in XX/XX/XXXX. 

Conn 's Appliances has reported late payment history on my credit file, when no late payment was made. 

Conn 's Appliances has reported that they did not receive a payment for 90 days for the months of XXXX, XXXX, and XX/XX/XXXX. 

I provided bank statements of payment to Conn 's Appliances for those months as proof of reporting error. 

Customer service representative for Conn 's Appliances verified the payments and provided a screen capture of the payment history to Conn 's Appliances which reflected no late payments. 

I disputed the error to the consumer credit bureaus and Conn 's Appliances, and have thus far been unable to have the inaccurate information corrected by Conn 's Appliances. 

Conn 's Appliances Verified incorrect credit file information after being provided documentation of inaccuracies on credit report file with customer service agent verifying no late payment should have been reported. 

Suit was filed against Conn 's Appliances on XX/XX/XXXX for violation of FCRA.
Complaint sub-issue: Debt is not yours

One day XXXX XXXX XXXX had windows to be installed and I had them come to measure my window but the lady that came to measure told me it was possible my XXXX  would cover my window expenses and I told her I would contact my XXXX and told her to put this in hold until I contacted my XXXX  and they said yes it would be covered.The next day I called XXXX and told them to cancel. 
Shortly after I received a statement from the bank Greensky and what happened this company had charged a window using my credit. 
Last week I was checking my credit report with XXXX and the only negative report was because of this company or the bank I dont know and XXXX said it would be on report for seven years, unless they would take it off. 
I am sending you a copy of this transaction.
Complaint sub-issue: Right to dispute notice not received

I never received a written notice to pay said amount. It just showed up on my credit report.
Complaint sub-issue: Non-sufficient funds and associated fees

XX/XX/2020Someone gained access on my betterment cash account. Link their external account to my betterment account and transfer all the money amount {$390.00}. I did not receive any email about linking the external. But I did receive email about transfer were made from my account. I checked email 2 day after the transfer was made. I called betterment to inform I did not make any transfer. Betterment try to retrieve the money back, but they could not do it. They also inform me they are unable to help on that matter and can't reimburse any money.
Complaint sub-issue: Information is not mine

Equifax has not responded to my certified letter that they received on XX/XX/XXXX that states the following : RE : XXXX XXXXDear : Equifax please be advised that this letter is being sent to you and all credit bureaus. I am requesting that you remove this account from my credit report. This is not my account, I have never had an account with this company. I have been disputing this account for years. Today I called this company only to find out that this account was opened at a place in Wisconsin called XXXX XXXX bank association. I have never traveled to this place or again opened an account. I placed a fraud alert on my credit report back in XX/XX/XXXX. I also would like to inform you that I never received not XXXX bill or collection notice from this company ever. If this item is not removed from my credit report I will be contacting the XXXX, the XXXX. Office at a state level and I will also file a civil suit. You have 30 days from this notice to remove this account. 

They have not removed or responded to this letter. 
Equifax instead sent me a letter XX/XX/XXXX letting me know that they mailed my sensitive personal information to someone else and are trying to get it back. This person or people have my SSN and address, you name it they have it!!
Complaint sub-issue: Debt is not yours

There is a XXXX 's account on my credit file that is inaccurate. It states the credit card was established I my name in XXXX XXXX I just turned XXXX this in not my account. I have requested validation of this credit card and have not received any paperwork with my signature to verify this is my debt, I have reached out the credit agencies on numerous times to have this information removed. I am being told the debt is valid however with no proof. I would like to have this credit card removed from my file XXXX account number XXXX from all three credit companies
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on ). Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.
Complaint sub-issue: Debt was paid

THE ACCOUNT WAS CLOSED WITH XXXX XXXX AND THEY ACTUALLY OWED ME A CREDIT WHICH WAS AGREED UPON BY XXXX.THEN THEY SHOW AN OUTSTANDING BILL FOR EQUIPMENT NOT RETURNED AND EQUIPMENT WAS RETURNED AND THEY CONTINUED TO BILL FOR 2 MORE MONTHS AND THERE ALREADY NEW XXXX XXXX SERVICE THAT STARTED AY MY ADDRESS WHEN THE OTHER ONE WAS CANCELLED SO YOU CANT HAVE 2 SERVICES RUNNUING AT SAME TIME AND THEY REFUSE TO ANSER ME BACK