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

On XX/XX/2022 I sent a letter regarding inaccurate items being listed on my consumer report. Its now 44 days later and I have not received a response back yet. My consumer report is causing me grave injury due to the inaccurate reporting and I feel like Im seriously being taken advantage of. I have read the fair credit reporting act and section 611 ( a ) states failure to investigate these items within 30 days gives a reason to immediately remove the items from my consumer report. Its been well over 30 days, in fact tomorrow XX/XX/2022 will make 45 days and still no response yet so the items that are reporting inaccurately should be removed promptly. I demand these accounts to be deleted immediately or I will file for litigation for the injury and emotional anguish this matter is causing me. I also recently found out my information has been impacted by the Equifax data breach and may have been exposed to the wrong person.
Complaint sub-issue: Debt is not yours

The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2017 my son was taken to the XXXX XXXX In XXXX XXXX, XXXX. They made me take him in an ambulance to another one which wasnt necessary ( he has a XXXX disorder and always has XXXX XXXX XXXX ) both ERs accepted his out of state XXXX XXXX ( we were visiting family in XXXX ) he has XXXX medicaid because we reside and have resided in XXXX for years. They accepted his XXXX and didnt state there was an issue. XXXX 100 percent stated they would pay the bill. They are reporting it to collections and XXXX   refuses to remove the collections which has been detrimental to my credit score for years, even though it is against federal law to bill a XXXX patient for cash. They have to submit it to XXXX to be paid. I have reached out to them on numerous occasions. And the bill is still detrimental to my score and they are not removing both bills even after verification of XXXX like they asked for.
Complaint sub-issue: Information belongs to someone else

I am the consumer and the natural person making these claims on behalf of myself. I, the consumer, sent the reporting agency ( Equifax ) a fax containing my FTC reports on XXXX. I called the reporting agency on XXXX to confirm that theyve received my faxed documents which contained all three ( 3 ) of my FTC reports. During my call with the reporting agency, I spoke to XXXX ( supervisor in the fraud department ) and he provided his employee ID # : XXXX. XXXX confirmed that my faxed documents containing all three ( 3 ) of my FTC reports were received on XXXX. XXXX also informed me that the reporting agency deemed my FTC reports invalid. I asked why were my FTC reports deemed invalid. His response was, because there are more than XXXX ( XXXX ) accounts being reporting on my FTC report. I then, notified XXXX that those findings are incorrect, because all three ( 3 ) of my FTC reports have XXXX accounts or fewer on each of them as I described below : FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX  XXXX XXXX accounts, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX account, and XXXX ( XXXX ) XXXX XXXX SERVICES accounts. 
FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX FUNDING accounts, and XXXX ( XXXX XXXX XXXX XXXX  accounts. 
and finally, FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX account, XXXX ( XXXX ) XXXX XXXX account, XXXX ( XXXX XXXX XXXX XXXX account, and XXXX ( XXXX ) XXXX XXXX XXXX account. 

XXXX ignored what I was telling him and chose not to investigate the problem any further. I do not agree with the reporting agency decision/ findings as it is deemed inaccurate.
Complaint sub-issue: Account information incorrect

I have tried to fix this problem with XXXX XXXX, Equifax and XXXX  on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. 
My credit scores dropped form XXXX to XXXX from both XXXX  and Equifax  with no explanation. They continued with these egrigous errors to the current with my credit scores erroneously down 100 points. XXXX XXXX offers no intelligent explanation on their report. The report does show that I have zero negative items and 100 % payment history.
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 {$37000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

After being hospitalized from XXXX  XXXX to my child via emergency XXXX, I requested my accounts to be consolidated XX/XX/2019 to better manage my finances. All of my accounts were approved to be consolidated including XXXX/XXXX XXXX. The Bank instead reported these accounts as late which was disingenuous. This issue has caused my stress and more importantly dropped my score to the point that I can not take advantage of the best available rating for a new home. 


Account : XXXX/XXXX XXXX XXXX ( I have not received a letter of late payment ) this account was confirmed in consolidation and was never late. 

XXXX/XXXX XXXX XXXX XXXX.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX closed one of my accounts ( it still shows open with Equifax ) and stated that my credit was no longer good enough to have the account. I was puzzled so I went to look up my credit score. My score was suddenly about 60 points lower than normal with the FICO 8 score. However, my report showed no changes in accounts. Since then, my score has been fluctuating wildly several  times a month. I have contacted Equifax about it and asked them to make sure I don't have split reporting. I've been told I do not but that seems to be the only logical answer. Creditors that use Equifax are not viewing my negatively even though I have no new negative information reporting. If I don't get this resolved, I will seek legal action.
Complaint sub-issue: Was not notified of investigation status or results

for the record i would like to first state that my papers are notarized showing you I am indeed who i say i am. On XX/XX/2021 I sent a letter dealing with unknown, misleading, unverifiable things on my credit report. till this day now well over 60 days later i haven't received any response. Now this is unlawful and just overall bad business. I feel that I am being taken advantage of and my dispute is going ignored. The law, Section 611 ( a ) to be exact states clearly that a failure to investigate these item in 30 days gives reason to immediately remove the items in question from my credit report. it has been over 60 days so they should be deleted immediately or I will file litigation due to all this stress caused to me. Also my information was impacted by the Equifax data breech and might have got into the wrong hands or information mixed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I haven't received investigation results. 

XXXX XXXXXXXX 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX 15 U.S.C 1

681 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 15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, 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 or reseller.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CIG Financial Capital Incentive Group for committing identify theft. I have never given CIG Financial Capital Incentive Group any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CIG Financial Capital Incentive Group can provide me with sufficient documentary evidence that i have any legal obligation to pay them. If this documentary evidence can not be produced and CIG Financial Capital Incentive Group continues its collection efforts, I will file for litigation for actual damages caused and CIG Financial Capital Incentive Group will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Complaint sub-issue: Problem with customer service

GREENSKY were fraudulently and falsely reporting late payment even though i have setup automatic eft from my checking account Automatic payment setup completed at dentist office on XX/XX/2019 Automatic Payment setup with GReen sky on XX/XX/2019 over the phone arounfd XXXX XXXX Green sky false fully did not start EFT due to their internally problem and now They are reporting late payment to my credit report I have paid all, y payment on time and account is in ontime -- although they are reporting fasle information to XXXX  and XXXX
Complaint sub-issue: Debt is not yours

PRO COLLECT is claiming that I owe them {$0.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Complaint sub-issue: Investigation took more than 30 days

The plain and simple truth is that LexisNexis failed to respond in the 30 days per FCRA.In the initial complaint no matter the substance, LexisNexis failed to respond in the 30 days per FCRA. In LexisNexis research of the judgements on XXXX XXXX file, LexisNexis failed to respond in the 30 days per FCRA. In LexisNexis not finding the bankruptcy, LexisNexis failed to respond in the 30 days per FCRA. In LexisNexis not having enough information to authenticate her identity, LexisNexis failed to respond in the 30 days per FCRA. 
Not one of these factors are the fault of XXXX XXXX. LexisNexis failure does it relieve it from its obligations per FCRA
Complaint sub-issue: Debt was paid

I applied to stay at an apartment at XXXX at XXXX. I paid {$420.00} on XX/XX/2022 for the application and administrative fees to live at the apartment. I decided the day after to withdraw my application and XXXX 's terms and services said that {$150.00} is nonrefundable. XXXX  withdrew my application and sent me a check for {$270.00} on XX/XX/2022. 

Fast forward to now, I have been getting calls nonstop from Hunter Warfiled saying I owe a collections of {$220.00}. I have no idea why I would be getting a debt collections charge, I sent all the documentation of the check and credit card statement showing that there shouldn't be any debt owed. Hunter Warfield has not called me back or responded to my emails and the collections is now on my credit report.
Complaint sub-issue: Received bad information about your loan

I took out a loan from XXXX XXXX XXXX in the summer of XX/XX/XXXX. The disbursement date was XX/XX/XXXX for the upcoming fall semester. My original balance on the loan was {$16000.00}. I was scheduled to start paying on the loan in XX/XX/XXXX. Before I made my first payment the loan was transferred to AES American Education Services with a notice that the terms of my loan were changed. As of XX/XX/XXXX I had paid {$15000.00} on this loan and noticed that I still owned nearly {$20000.00}. I had taken out a federal loan at the same time that was almost paid off in full for the same amount, but this AES loan had more than the original balanced still owned. I made telephone call to AES and they stated there was no way that I can talk to XXXX XXXX XXXX. I could send a letter and they would forward it to them. I did that in XX/XX/XXXX, asking for a reasonable settlement with no response. I am now in default. I have never signed any contract with American Education Services. I certainly would not have signed an agreement to pay back {$46000.00} for a {$16000.00} loan, as the change in terms notice states. I can no longer manage this loan, besides the fact that I think this is criminal, it reeks of extortion. AES told me that the interest is accruing daily. Even though I have been paying {$220.00} a month, the amount owed just keeps increasing. I dont believe that this company is complaint with truth in lending laws and should not be allowed to do business in my state.
Complaint sub-issue: Reporting company used your report improperly

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Other problem

I had a {$1300.00} charge refunded approximately five weeks ago and have requested this credit card company send me a check for that amount. I have called them now at least 7 times on this matter. They still do not know when they will be able to issue me my credit refund. They could not explain the delay. They have previously told me the credit check is coming - so they are clearly lying to me, again and again. I suspect they are purposely withhold my money, as I had previously paid for the charge, in hopes I forget about it. They may possibly be delaying the refund process to help their own financial situation. Whatever the issue is, they can not explain and are operating in a rotten and possibly illegal matter. I need the money and they refuse to send me my credit refund. Please help me with this matter. Thank you
Complaint sub-issue: Information belongs to someone else

The following in Equifax 's response to CFPB Complaint # XXXX as it pertains to XXXX, Account # XXXX. 

" We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty 60 days from the date you submitted your request. '' In response I am informing you that as per 609 - 15 U.S.C. 1681 ( e ) ( 1 ) Equifax must respond to identity theft victims within 30 days. Also, Equifax must provide to the consumer " ... a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft ... '' See attached supporting documents and law.
Complaint sub-issue: Information belongs to someone else

Whom It May Concern : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$16000.00} Reported balance Highest balance {$21000.00} OVERVIEW Highest balance {$21000.00} Monthly payment {$650.00} 0pened XX/XX/XXXX XXXX XXXX XXXX Status Open. {$1200.00} past due as of XX/XX/XXXX. 
Account Type Rental Balance {$2200.00} Date Opened XX/XX/XXXX In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Complaint sub-issue: Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against AMERICOLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.