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

On the date of XX/XX/22 I mailed a letter to Equifax disputing several accts that had erroneous information on them, & which subsequently are in direct violation of the Fair Credit Reporting Act. Equifax received this letter on XX/XX/22 & NEVER RESPONDED which is against the Law ( FCRA ). On XX/XX/22 I mailed out another letter concerning this matter & AGAIN Equifax DID NOT RESPOND. Today is XX/XX/22 & the following accts are still showing inaccurate & erroneous information, which is hurting my credit score & in direct violation of the FCRA : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX I have given Equifax more than 30 days to conduct a proper investigation & correct the information I had previously pointed out to them as incorrect. They refuse to do so. According to the FCRA, I have the right to % 100 accurate information on my credit report. This information is obviously inaccurate & I would like it removed immediately.
Complaint sub-issue: Old information reappears or never goes away

I opened this account in XX/XX/XXXX with XXXX, in the amount of {$3600.00} this account is now showing up with another lender ( XXXX XXXX ) I have not had any contact or activity on this account with anyone from XXXX since at least XX/XX/XXXX ( best guess ). I have not signed any new papers or taken any new loans with either XXXX or XXXX, XXXX. This needs to be removed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account number ( XXXX ) XXXX XXXX, account number ( 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 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHHOUT MY WRITTEN INSTRUCTIONS.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020 at approx. XXXX a representative ( XXXX ) claiming to be with XXXX XXXX  card services called me and stated they were going to transfer balances from my credit cards to another to save me interest. I asked how he received my information and he explained because I was already a customer with a good payment history XXXX and was prepared to reduce my monthly bills to keep from losing me as a customer. He stated since the COVID 19 pandemic other customers were filing bankruptcies and wanted to ensure my payments were manageable. He ( XXXX ) had all my credit card information at hand and seemed legit. Long story short, after numerous questions from me concerned about this call being potential fraud and do not pull a credit report. Sure enough before we hung up the phone an alert for hard inquiry from CBNA via my XXXX account popped up on my phone. When questioned about the alert the representative said I would receive a letter or could call CBNA to dispute and told me to have a good day.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act US DEPT ED 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: Personal information incorrect

Equifax is reporting incorrect addresses on my credit report. XXXX XXXX XXXX are reporting my correct addresses. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accotdance with the Fair Credit Reporting Act XXXX  account XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX  XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX acct XXXX XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and bill. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm asking for your help to resolve this issue. Thanks again
Complaint sub-issue: Company closed your account

My card was closed immediately without notice or any communication before closing please see attached documents
Complaint sub-issue: Account status incorrect

Credit report showing Best Buy account as delinquent. Account is PIF {$1200.00}. This is FTC Violation.
Complaint sub-issue: Was not notified of investigation status or results

I contacted the credit bureau 's on XX/XX/2021 and XX/XX/2021 in regards to some accounts either placed on my account in error or as a result of identity theft it is XX/XX/2021 and the accounts continue to report on my credit report. I went to the police department and advised that I may be a victim of identity theft but the officer stated that I should write the creditor and request additional information in regards to the account however I have not received any response from the credit bureau or the the furnishers. I submitted an identity theft affidavit, identification, and proof of address with no response and the bureau 's have failed to respond so I sent a follow up letter on XX/XX/2021 in which I still haven't received a response. I have since spoken to an attorney who states if I hire them they feel confident that they can obtain the deletion and compensation for damages.
Complaint sub-issue: Account status incorrect

There is an error on my credit report from  XXXX   XXXX    XXXX   XXXX  . The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number  XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I pulled all three of my credit reports and saw that there were multiple inquiries that I didn't authorize. Equifax, XX/XX/XXXX and XX/XX/XXXXhave these listed on my report. 

XXXX - XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

The information reporting seems to me that it is inaccurate, therefore I believe that this information is reporting illegally and is not compliant. I would like to have this information removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

15 U.S. Code 1681i section 5 ( D ) ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. accounts XXXX account XXXX, XXXX XXXX XXXX account # XXXX This accounts by the other consumer reporting agency were found inaccurate information and Removed
Complaint sub-issue: Frequent or repeated calls

I work as a XXXX. I disclosed to 'cash call ' that the phone number being called was a XXXX phone number. I confirmed the person they are calling for does work for this department. I am aware other XXXX have made similar requests. I requested XXXX ' delete the number from the system as it was being made illegally. 

XXXX was XXXX that 'the call was illegal '. I called back and followed up with XXXX 's supervisor, " XXXX XXXX '' whom informed me she would listen to the phone call and talk to XXXX '. I requested no more phone calls be made to the number listed as it is a XXXX number.
Complaint sub-issue: Can't close your account

I am trying to close my checking account with U.S. Bank due to charges coming through that were not mine and they refuse to close it due to it being in the negatives from these charges. I have tried to resolve it with there fraud department and they have claimed that they do not know how to fix the problem and continue to charge me fees putting it farther in the negatives.
Complaint sub-issue: Talked to a third-party about your debt

My mother was contacted by an XXXX representative on XX/XX/2022 who shared my private information. XXXX claimed to be a mediation company contracted by Plaza Services, the lender who now owns the fraudulent loan. 

The companys name is XXXX, and the representative told my mother that I owed bad debt, and that arbitrary action would be taken by XXXX pm eastern time if I did not contact them. The representative also told my mother that this debt was not fraudulent, and payments had been made. I have been in the process of disputed this debt as fraudulent since my identity was stolen in the XXXX breach. I have no knowledge of making payments which further complicates the issue. Under the law, I believe this falls under bad communication tactics.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report.

XXXX XXXX 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 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 XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I expect expedited removal of the Fraud Alert on my XXXX, Equifax, and XXXX Credit Report.
Complaint sub-issue: Threatened or suggested your credit would be damaged

These scam artists are attempting to collect {$150.00} they are not entitled to because the original creditor that this bill originates from was informed that all statements are involved in malpractice litigation. The reps who have contacted me about this bill are rude and blatantly racist. I also informed the agency that this bill is part of litigation and they hang up, make threats, or are aggressive. They reported it to my XXXX  report and it needs to be removed!
Complaint sub-issue: Changes in terms mid-deal or after closing

I purchased an used XXXX XXXX XXXX at one of the Carmax locations in XX/XX/XXXX The car was at  57,000 miles and sold for alittle over {$17000.00} at the time. While doing the paperwork with the representative XXXX ( she no longer works there ) she explained the warranty and said I had to purchase it, and it would cover me for the first 3 years if something happened to the car. She also told me I had to sign an arbitration agreement or she could n't sell me the car, she did n't explain the specifics of the agreement, only that I could n't join any class action lawsuits against the company. Once my car reached 100,000 miles, it started shutting off on its own and when driving a certain amount of mph it would slow down on its own as if it was going to stop in the middle of the road then after awhile it would speed up to the correct amount of mph, then stop again. I called to do a warranty claim and was told it 's over 100,000 miles so there was nothing they could do, but I still had to pay for the warranty until the end of the loan. It left me in a bad situation. Being that they could n't be of any assistance with helping with repairs. I got a mechanic to look at the car and was told the transmission was slipping and the car appeared as if it had several body work done and it was just repainted to cover accidents the car previously had, the transmission had been worked on before and it was n't going to last. I felt like I was lied to about the car fax, which is probably why I was forced to sign arbitration agreement. All my payments were made on time and it was never a problem with me making my payments. I called Carmax in XX/XX/XXXX and told them to pick up the car, they picked it up 3 months later in XX/XX/XXXXwith no notice and kept my belongings inside the car without returning them. The car was sold at an auction and I received no notice to attend, they said the could n't reach me. I received letters from a collection agency which is a breach of the arbitration agreement on XXXX behalf, I tried to rectify this several times with no resolution. XXXX has charged off the loan on my credit under their company 's name but still sent a collection agency to collect balance, once they knew they breached contract they bought the account back from the collection agency and keeping it within their collections while adding on several fees and interest after the fact they have written the account off, but making it nearly impossible to resolve this issue.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I submitted a complaint to CFPB ( complaint : XXXX ). That complain has since been closed, however the information I requested in feedback has not been provided by the company, Omega RMS. The company responded to the complaint and I provided feedback. In my feedback I requested proof of the information in the company 's response but have not been provided that information. 

I am disputing the " placed for collection date '' as well as the " client date last paid '' that is being reported to the credit bureau by Omega RMS. 

According to the information I received from the original creditor, XXXX, and the last payment was made XX/XX/XXXX. I have requested multiple times for all information from Omega RMS including proof of the last payment and that information has not been provided. I have only been provided the information that was attached in the initial complaint. Furthermore, the " placed for collection '' date is incorrect. Per the original creditor, XXXX, the placed for collection date is XX/XX/XXXX. Omega RMS is reporting XX/XX/XXXX as the placed for collection date which is not accurate. 

The original creditor, XXXX, also confirmed the account was charged off XX/XX/XXXX. Omega RMS in their response to the initial complaint stated they are collecting on behalf of XXXX XXXX, however the account had been charged off by the original creditor and they are no longer pursuing collection on this account. Omega RMS is attempting to collect on a debt that they purchased ( XX/XX/XXXX XXXX from a 2nd party collection agency ( XXXX ) that is no longer in business and also not pursuing collection on this account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX 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: Account opened as a result of fraud

I received a email stating that I had opened a account and never did so I called the bank to have them close the account that was done in my name.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any XXXX consent to open. Please delete these items from my accounts as soon as possible. DTEDXXXX XXXX {$3500.00} DTEDXXXX XXXX {$5900.00} DTEDXXXX XXXX {$4500.00} XXXX XXXX {$9000.00} XXXX XXXX {$8400.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX {$650.00} XXXX XXXX {$17000.00} XXXX XXXX {$17000.00} XXXX {$8400.00} DEPT ED XXXX XXXX {$8500.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!
Complaint sub-issue: Can't get other flexible options for repaying your loan

I attended a XXXX XXXX XXXX university from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. My dad was the breadwinner of my family, and he took out loans as my cosigner from Sallie Mae. I was the first child to go to college. 
1. He used the " loan amount calculator '' that their platform provided, which was supposed to generate a recommended loan amount based off of my specific university that I entered in, and then he used that number to then take out my loans. The calculator was absolute XXXX, and the number it provided us was {$7000.00} MORE than what tuition at my university costs. 
2. My dad then died, very unexpectedly and tragically, in the middle of my college career on XX/XX/2020. I sent Sallie Mae his death certificate, and spent literally TWO HOURS on the phone, during my work day, to try and reach a live person somewhere to help me figure out what my next steps were, only to learn that SALLIE MAE EXPECTS SOMEONE WHO COULD ONLY TAKE OUT A LOAN WITH A COSIGNER, TO COMPLETELY REPAY, IN FULL, ON A NORMAL TIME SCHEDULE, THE TOTAL AMOUNT ALONE IF THEIR COSIGNER DIES. Although I can not take out a {$5000.00} loan in my name, at XXXX XXXX XXXX I am expected to pay back over {$50000.00} in loans with no protocol, no exceptions, and no forgiveness. Not only have I had to endure the horrendous loss of the most important person in my life, but now I am fighting for my own life as well against a company that is nameless, faceless, and an absolute scam. It is predatory, it is abusive, and at the end of the day, I am at a loss as to how they are still legally allowed to operate in the US. I will not rest until I, and other college students around the country, are given justice.
Complaint sub-issue: Don't agree with fees charged

I was attending college to become a XXXX when I found out I XXXX. I was out on XXXX by my doctor due to being sick and XXXX. I told my program director about my issue and we decided that taking the rest of the quarter off would be for the best. A few weeks later I received a letter in the mail from the school stating that I was being terminated from the program due to my " lack of attendance '' and that I could not return back until my loan was paid in full. I had since been informed that there was no documentation about my request for the time off and that, since there was no proof, there was nothing they could do. I 've been applying for income based repayments and deferments that put me at {$0.00} payments but interest is still accruing. I now have XXXX children and I 'm trying to resolve this issue. I 've tried everything I can think of. Interest is still building and at this rate I fear I 'll never be able to get ahead. i just want this as resolved as I can possibly make it.
Complaint sub-issue: Old information reappears or never goes away

I have a showing incident for my US Bank Visa card. I have stellar credit and I sent my account to all three bureaus about a 30 and 60 day delinquency from an account that was connected to the same incident.

I reported it to all three agencies and I spoke with someone at the bank that said that a note was made on my account and the delinquency would be removed based on the circumstances of the delinquency. This was a private matter and I spent months escalating to the right person to have the discussion. 

XXXX refused to remove the delinquency and when checking with the bank, when they call, the bank refuses to live up their promise to remove the delinquency. 

XXXX removed the delinquency and my score reflects that. 

XXXX refused to remove the delinquency despite multiple attempts to remove it as well. 

As an inequitable application of a promise made by the bank to remove my delinquency based on special circumstances, I have opened other banking relationships in the interim because I feel like if an employee of a bank makes a deal on an open line, then the bank should agree and make is happen.

Please make this right. I can't understand why one bureau would act properly and the others would refuse.
Complaint sub-issue: Account status

There is a legal item listed on my credit report that I paid and is listed as paid but I can not seem to get anyone to help me take care of it.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX, and I am writing in regards to having these items mentioned on the list immediately. I am a victim of identity theft and I did not make charges mentioned with the list.