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

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Complaint sub-issue: Information is not mine

XXXX complaint On XXXX/XXXX/XXXX, XXXX EST, I faxed my SS Card, marriage licence and birth certificate. I have proved my identity, I EXPECT A RESOLUTION! I was also never notified by Equifax that I had to submit my ID before they 'resolved ' my complaint I got a rejection letter from Capital XXXX Auto XXXX XXXX dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present XXXX XXXX credit obligations. '' I do not have nor have I ever had any XXXX XXXX credit cards. My sister in law, however, does and she has BAD credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow XXXX XXXX has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies! When I attempted to check Equifax for my credit, I could not correctly answer the XXXX security questions. I thought they did not pertain to me and said " none of these '' but when I ran into the same weirdness on XXXX, I answered the questions as my sister in law and was able to get in. 

***can not check Equifax credit online by answering the XXXX security questions as myself. Equifax has me confused with my sister in law, who has lived at the same address for overlapping times as me, XXXX XXXX XXXX. *****
Complaint sub-issue: Didn't receive enough information to verify debt

I called PMAB LLC to ask for verification on an alleged debt they claim i owe. The first representive was very rude said she been there five years and said this is what she does. I asked if the calls were being recorded she said always. The fact you will allow ride people to adress consumers in that manner is baffling. You would not want consumers calling you on that tone. I asked how did you verify the account was mine. She said because we have an itemized statement saying so. Excuse me? Just an itemized statement? That's how you verify an account belongs to somebody? So i was transfered to a supervisor by the name of XXXX XXXX and she said said the same thing. They just collect a debt. Well if you are collection a debt, you should have contact info for the company you are collecting for. She said they don't have that. Then how exactly are you verifying the information given to you? Sounds like fraud The representive already said she had multiple XXXX XXXX in her files. Well how are you 100 % sure it's mines?
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. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXXXXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information ( 16 CFR 313 ) to any XXXX  nonaffiliates per XXXX XXXX XXXX and the XXXX XXXX XXXX XXXXXXXX. Also per XXXX publication, a charged-off is considered a certificate of indebtedness and has to be reported as income. Income can not be reported on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the 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 : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Account number : 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 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 advers
e 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.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Please I would like to re-submit a new complaint against Discover Credit Card.Please read the previous complaint # XXXX Their response didn't address my complaint at all about : " The phone call I made contacted Discover Credit card Services on XX/XX/2018 I spoke with a Supervisor name XXXX about my dispute with case # XXXX She asked me to get documentations so Discover can look this documents and investigate the dispute I told her I will submitt Documentation in regards along with the pictures of the Damaged Merchant Caused in my vehicle while Providing the Towing Service, She said to me if the Merchant caused the damaged Discover may deduct the services the merchant charged you off the estimate you present it, So thats what I did I submitted on line the letter, bodyshop estimate and pictures of damaged in my vehicle ''. 

* The phone call I made on XX/XX/2018 it was to add additional information in regards the ongoing dispute as it was my undertanding, and the supervisor XXXX said was ok she never said to me why I didn't submItted originally when I initiated the dispute, or your dispute its closed as this representative XXXX XXXX stated.
Complaint sub-issue: Debt is not yours

I do not have a contract with this company. I requested a debt validation on XX/XX/2020 and the company provided me with some Bill. I did not receive any type of mail before my credit report was tarnished! Thats against my rights! As I look over the bill, ( no contract between the company and myself ) I also noticed that this company added a collection fee of {$390.00}. I have NEVER heard of a company being within legal rights to change a fee to another amount just to add their fee to it!! I was violated in many ways by this company and Im embarrassed that I have to submit such a complaint on my behalf. According to the FCRA, I was supposed to receive proper paperwork in the mail first to give me a chance to figure things out. I was never sent anything because I do not have a contract with this company! This company has failed me and stripped me of that right.
Complaint sub-issue: Public record information inaccurate

My insurance with XXXX XXXX XXXX  auto insurance was cancelled due the number of incorrect points reported to the XXXX that was placed on my Indiana Driving record and incorrect information such as suspended license reported to the XXXX XXXX. This inaccurate information reported to the XXXX caused my auto insurance with XXXX XXXX XXXX to be cancelled and increase of insurance fees when I went to get new auto insurance coverage from XXXX XXXX. I was told this would be the case with any insurance company because of my driving record. I explained to XXXX XXXX agent assistant that the information from the XXXX is inaccurate and gave XXXX XXXX a copy of my driving record that stated I completed a driving class and that my driving record from the XXXX should show 2 points as well as no suspended license, but the XXXX did not update the information so the information they are reporting out to other agencies is inaccurate. XXXX XXXX Insurance Assistant states they get their information from Lexis Nexus and that I should call and inform them that inaccurate information is being reported due to the XXXX not updating the information in their system. I contacted LexisNexis but have not got a response as well as Consumer Credit reporting agency to inform them of the inaccurate information that is being reported on my credit report and other reports. All this incorrect information is due to the XXXX not updating the records on my driving report. When spoke to the XXXX they stated there was nothing they could do because they do not enter the information into the system. I pointed out the discrepancies on the report to the rep at the XXXX XXXX and all she states she could do is give the number to call to ask that the information be changed, updated and accurate.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXXB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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: Information belongs to someone else

The company continues to report inaccurate information on my credit report.
Complaint sub-issue: Problem with fees

For the past 7 year I have been charged XXXX on my credit card and when I called discover card they said they could not tell me because it has been more than 7 years. They said it was for a cash advance but could not tell me for sure or how much the cash advance was. Every month they out the money but cant tell me why. My limit on the card is XXXX  in7 years ve paid over XXXX for this charge. I told them I dont ever remembering doing a cash advance and if I had charging me XXXX a mont for 7 yer shouldhave for any advance. They said they cant tell if there was a an advance credit ant that it was my fault for not calling sooner
Complaint sub-issue: Account information incorrect

The credit reporting agency ( CRA ) w as contacted in writing via certified mail to dispute several items reporting negatively and/or incorrectly on my credit report on  XXXX   XXXX ,  2017. In the  letter I cited FCRA Sec tion 609 ( a ) ( 1  ) ( A ) requesting physical verification of the original signed consumer contract and any original creditor documentation which is required by law. The credit reporting agency did not comply within 30 days so another written letter was sent via certified mail on  XXXX   XXXX ,  2017,   requesting the same documentation and citing the same law for the second time.     A certified letter was also sent on  XXXX   XXXX  , 2017, requesting the method  of verification the credit reporting agency used to verify the accounts in question. In that letter I specifically requested a written description of the procedures used to determine the accuracy and completeness of the information and I also requested the business name, address of any furnisher contacted with the phone number. Under  Section FCRA 611 ( a ) ( 7 ), the  CRA has 15 days to provide this information or it must delete negative items reporting on the credit report. The CRA did not respond to this request so I sent another Method of Verification request on  XXXX   XXXX ,  2017, via cer tified mail. And again the request was ignored and the negative items remain on the report.     On  XXXX   XXXX ,  2017, a third  dispute letter was sent via certified mail to the CRA requesting they provide original documentation per Sectio n 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) . The CRA has failed to follower consumer protection laws and has ignored all requests for method of verification further violating my rights and damaging me financially.     On  XXXX   XXXX ,  2017, I sent a writt en letter to the CRA explaining that the account numbers for one of the items in question was incorrect and again there has been no lawfully method of verification and the CRA fails to maintain adequate records or any records at all to verify the accuracy of the items being reported.     The Consumer Financial Protection Bureau ( CFPB ) is fully aware of the credit reporting agencys failure to comply with these laws as detailed in the  XXXX   XXXX ,  2017, press re lease titled Consumers continue to complain about the credit reporting industry in high numbers. As the CFPB reports for other consumers nothing has changed on my credit report.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/18 I went into the XXXX XXXX XXXX XXXX inquiring about financing to buyout my lease. Since I had leased my Jeep with them previously, I asked what interest rate they could offer me based on an excellent credit score. About a month later I find on my XXXX XXXX that XXXX XXXX XXXX  ran my credit and made 3 HARD inquires that negatively affected my credit score. The inquiries were with XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX. I've contact the dealership numerous times as well as the credit bureaus to have these hard inquiries removed since I did not authorize. I would like to have these removed immediately since they will stay on my record for 2 years.
Complaint sub-issue: Other problem getting your report or credit score

We are trying to unfreeze and obtain our credit reports for a loan for a new home purchase. We have had absolutely no problems with XXXX  or XXXX XXXX. These two agencies accomplished our needs excellently online. Equifax, however has been a total nightmare. 

Starting early XX/XX/2020 we tried to unfreeze our Equifax accounts online. We were unable to do so and advised to contact Equifax customer care. The customer care representative told us to send Equifax a explanation letter with a copies of our driver 's licenses, Social Security cards, and a bill to verify our identities and addresses to Equifax Information Services, LLC, XXXX XXXX XXXX, XXXX, GA XXXX. The process would take approximately five to ten business days. 

The letters with all attachments were sent on XX/XX/2020 at XXXX XXXX  via US Postal Service certified mail and delivered onXX/XX/2020at XXXX XXXX. 

We waited more than the appropriate time and received no response from Equifax. So we called again ... many, many times. 

We are always told they have not received our information. Yet we know they received the letters as it was delivered via certified mail. 

A couple representatives verified us over the phone and said the accounts have been unfrozen ( throughXX/XX/2020 ) and provided us with confirmation numbers. However, the accounts were NOT unfrozen ; the  loan companies with our applications still can not access the Equifax credit reports. When we called Equifax with the confirmation numbers, we were told the accounts were indeed still frozen. 

Most said the information we provided over the phone was incorrect and does not match their information so the accounts could not be opened. ( Aside : The information we provided was 100 % correct. ) We were told to reference our Equifax credit report. When asked how we can obtain our Equifax credit report, we were told to give them correct information that matches their information. ( Infinite loop, Catch-22, the Twilight Zone? ) So basically whether via US Postal Service, online, or over the phone, they will not supply us with our credit report or unfreeze our accounts. 

There is an Equifax office somewhat near our home. When we asked can we just go to their office and verify ourselves there, we were told they do not allow people to verify themselves in person. ( So, we can go anywhere in the world with our passport as ID and other documentation but Equifax won't accept it. ) Today, after going around and around with a representative I asked to speak to a supervisor. The representative, XXXX, hung up on me. 

So as it stands we can not buy a new house because the loan originators can not access our Equifax credit report because Equifax either has wrong information or is incompetent and won't unfreeze our accounts. If Equifax has wrong information we can not correct the information on the credit report because Equifax will not let me see the credit report. 

Aw we stated at the beginning, we have had no problem with XX/XX/XXXX or XXXX XXXX verifying our information to unfreeze our accounts. It is only Equifax.
Complaint sub-issue: Problem with rewards from credit card

On XX/XX/XXXX I was approved for " Credit Card Direct Mail Campaign '' rewards card through Bank of the West. The rewards program states that I must charge {$1500.00} in the first three months, beginning at approval date, and I then i would qualify for the {$150.00} bonus. Towards the end of XXXX I emailed Bank of the West asking for the status of the {$150.00} dollar bonus. On XX/XX/XXXX they answered and stated that I had only charged {$1300.00}, so I did not qualify for the bonus. On XXXX, XX/XX/XXXX and XX/XX/XXXX I again requested their decision after I had explained the below concerns. there answer is that they are still working on the research. 
My concerns are that I did not receive the bank card until at least 3 full weeks after approval. I believe the normal time period for receipt of the bank card after approval is 3- 10 days. My explanation is that I could not charge to the card if I did not have it. On XX/XX/XXXX the bank easily had posted over the {$1500.00} requirement. I thought that perhaps the reason for late receipt of the bank card was due to COVID 19.

It appears that they are dragging their feet hoping that my request will go away. If this has happened to me, it may be occurring with others.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I faxed over documents that included my ID as well as my FTC report showing that I had unauthorized inquiries on my consumer report. Equifax was sent two fax as well as a certified letter that they signed for but they are saying they never received the letter and I have proof that the documents were signed for. They are telling me that there wasnt anything that they can do but submit it again. That doesnt make sense because whos to say they arent going to lose my information again.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have reached out to Equifax over and over about companies running my information and people applying for cars and credit cards in my name please help and remove these unauthorized inquiries
Complaint sub-issue: Information belongs to someone else

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX -XXXX  # XXXX -XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX
Complaint sub-issue: Keep getting calls about my loan

Began receiving notice of payment due XX/XX/XXXX even though daughter does not graduate until XX/XX/XXXX. However, decided to pay the loan in full ( {$3500.00} ) so we would not have to deal with the loan later and also wanted to be sure we did not get charged interest. Made payment in full XX/XX/XXXX. XX/XX/XXXX received a mailed confirmation receipt of the {$3500.00} payment. However, we continue to get email notices that our payments are overdue and that credit unions will be contacted. After each monthly notice I have tried contacting fedloan servicing by email, telephone and US mail, providing them with my complaint that we continue to receive payment due notices. The only response I have received from them is that they are not sending us email notifications ( and that is why I have mailed them copies of my correspondence through email which contains their mailing address, phone numbers and email contact information ) but we continue to get late payment notices through email and the threat of it affecting our credit score.
Complaint sub-issue: Information belongs to someone else

XXXX  HAS FAILED TO REMOVE FRAUDULENT INQUIRIES ON MY CREDIT. XXXX  AND XXXX  HAS FIXED THE ISSUE, WHAT IS TAKING XXXX  SO LONG? IT HAS BEEN OVER 60 DAYS AND NO RESOLUTION FROM XXXX. I HAVE NOT EVEN RECIEVED ANYTHING IN THE MAIL. I AM REQUESTING ANOTHER INVESTIGATION AS I HAVE NOT RECIEVED ANYTHING BY MAIL AND THE FRAUDULENT INQUIRIES ARE STILL REPORTING. I HAVE ATTACHED MY IDENTIFICATION AND ID THEFT AFFADAVIT PACKET.