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

XX/XX/21 Sent a letter via certified mail to EQUIFAX and delivered on XX/XX/21. Tracking number Tracking ID : XXXX. Letter stated rights being violated and ask to have personal information removed from consumer file. I put XXXX of notice about some inaccuracies on my consumer report. In my letter I asked for debt validation from multiple companies being furnished on my consumer report pursuant 15 USC 1692g under FDCPA. I also asked for these accounts to be deleted if no agreement with my wet ink signature could be produced. I have not given any person ( s ) my consent to furnish any of my private information. Therefore, the following accounts must be deleted from consumer my report. Fair Credit Reporting Act 15USC 1681b states ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. My rights are protected under the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

On or about XX/XX/XXXX I disputed an item on my credit report as this account did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. As of XX/XX/XXXX I have not received any information from XXXX XXXX XXXX regarding my request for validation of this debt. Furthermore the item remains on my credit still reporting negative with the remarks " consumer disputes after resolution. Collection account ''. XXXX XXXX XXXX XXXX has failed to fully investigate this account to ensure it was legally opened by me. This account is not mine and they have failed to comply with my request. Acct # ending in XXXX -Date Assigned XX/XX/XXXX
Complaint sub-issue: Received bad information about your loan

SL Finance disguised itself as a business to help with student loan payments. They have received a {$1000.00} of my student loan payments to them. Upon asking my new student loan balance, there was no response so i tried to reach out this company about this. No response from the company resulted in me changing my registered credit card that they have been charging for the past few months. Please shut this company down
Complaint sub-issue: Account terms

Equifax '' response to XXXX " Equifax has reviewed your complaint and its records regarding your dispute. XXXX account XXXX has been verified correct as reported by the data furnisher. The open date is XXXX/XXXX/2015, the closed date is XX/XX/2015 and the months reviewed is XXXX. No payment history was recorded by the data furnisher for XX/XX/XXXX through XX/XX/2015. Please be advised that scores are derived from a mathematical formula which calculates elements on the credit file. Information is reported to Equifax continually, thus the file content may change as well as the score. Please also be advised that creditors have their own criteria for granting or denying a service or benefit based upon the score. Please contact your Creditor 's directly in regards to their evaluation of your credit score. 

The XXXX- Closed Tradeline, was reporting the pay history accurately, despite your response. Please see attached, my credit report from EQ - XX/XX/2015. 
EQ actually stored pay history, please see Pay Pal attachment, which was attached to the original complaint XXXX EQ updated this account and caused issues - with the Pay History. 

THE ACTIVITY DESIGNATION - says NA, and should not. This account is PAID/CLOSED. 
Because this account is showing in this manner - the PAY HISTORY is erroneously populated with NR, when XXXX has n't reported on this record in more than a year. 

The account, is now Incomplete - and inaccurate. 

Please put the account history back to the state of which the furnisher provided it to you, PAID? CLOSED its status - or DELETE the account..
Complaint sub-issue: Credit inquiries on your report that you don't recognize

please remove fraudulent / unauthorized from XXXX XXXX XXXX  XXXX on XX/XX/2022 off my report or provide proof in writing within 30 days.
Complaint sub-issue: Reporting company used your report improperly

In a accordance with the fair credit reporting act XXXX accounts below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Trouble getting a working replacement card

I had some fraud on my card, so I called to report the fraud. They submitted a fraud case and deactivated that card, saying I would get a new one. I called a week later when I still didn't have a new card and I needed to login to the website to see my balance, but could not because my card was deactivated. I called in to ask the status of the new card and they said it was never requested. So I " officially '' requested it and asked for it to be sent to me immediately because I have over {$50.00} that I now have no access to and will be charged an inactive fee for not using my card in the 30 days. It's now been a month and still no card. No access to my account ( and thus, my money ).
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Debt was discharged in bankruptcy

This was included in my bankruptcy that was discharge XXXX 2013. I have called them and my lawyer has sent them numerous letters to remove this from my credit report because I do not owe it. They keep trying to collect and now it is still on my credit report.
Complaint sub-issue: Information belongs to someone else

Since XX/XX/2016 .... pretty much a year ago, I have tried to have fraudulent and unknown accounts and errors deleted from my XXXX credit report. Per the advice of a XXXX rep named XXXX in special services, sent in my police report and nothing has happened and I can no longer reach him. 

I have some huge concerns about the following fraudulent accounts and need them to be removed asap .... they are also referenced in my police 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

Hello, My name is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from my Graduate School, XXXX University, indicating that I was identified as an individual that was involved in a data breach of my personal information ( including- my name, address, date of birth, and social security number ). The school determined that in XX/XX/XXXX my information was exposed to hackers. I have reviewed my credit report and I have identified inquires that I have not committed myself. Below is the breakdown by the credit bureau of what does not belong to me and should be removed from my credit report. They are the following : 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 Equifax XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Please feel free to reach out to me directly for any additional questions you may have. 

Thank you, XXXX
Complaint sub-issue: Information belongs to someone else

I looked over my consumer report and I noticed some inaccurate information. As a result, I filed a dispute with Equifax. By law you are required to investigate anything that is furnished on my consumer reports. Can you please tell me what method was used to investigate these inaccurate items and how you came to the conclusion that they are accurate? It was recently proven that Equifax has not properly handled consumer disputes because they do not conduct proper investigations. I submitted a police report with my dispute of the fraudulent information and it still has not been blocked or removed from my consumer file. 

I never consented to this information being furnished and this infringes upon my right to privacy. I am demanding this information be deleted permanently or I will escalate this and hold you liable. 

The following are the inaccuracies on my report : XXXX XXXX Account # XXXX The below listed inquiries are inaccurate and were unauthorized by me. I never gave these creditors authorization for Equifax to furnish my credit report : 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: Debt was paid

First Progress Card is in violation of the FDIC " Holder-In-Due-Course Rule ''. 
I, XXXX XXXX, disagree with First Progress Card terms and conditions of agreement as it violates my rights as a consumer. 

I refuse to debate rather or not First Progress Card is in violation or not. However, if all legal legal action needs to be taking this serious matter can be skillfully articulated in Federal court. 

First Progress Card, You are ruining my financial reputation by furnishing negative information on my Consumer Report such as " Charge off '' and " Late payments '' which has cause me to be denied for Auto loan, I'm demanding that you remove such information from my Credit Profile, if you fail to do so and credit my account, the Internal Revenue Service ( IRS ) will be on notice to AUDIT the account. 

I, XXXX XXXX, Consumer, also do not give any consent to transfer my account to any person, First Progress Card shall be in violation of the United States Federal law Gramm-Leach-Bliley Act and pay a fine of {$100000.00} ( PER VIOLATION ). 

I'm aware there is a billing error and my account on my Credit Profile shall be updated as " Paid In Full '' to all Consumer Reporting Agency 's. 

This is my final notice and if all legal needs to taking, I am taking such actions as I'm aware of your negligence of noncompliance. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Complaint sub-issue: Problem with fees

Description of Complaint : Discover Card Payment Protection excessive charges to a retired senior. 

My name is XXXX XXXX ; Im submitting this complaint on behalf of my Sister, XXXX XXXX Several Months ago I noticed Lindas checking account was over drawn ; I started looking closer at my sisters finances. 

I noticed large credit card debt, {$24000.00} on her Discover Card, being the largest. 

Starting in XXXX her balance starting going up, a large part of the increased balance is the result of this payment protection Plan. From XXXX to XXXX discover card has charged her card for {$6300.00}, in fees related to this protection program. Interest charges of course went up as the balance increased. 

When I asked XXXX about this Payment protection and why she had it she didnt know she was paying for it or what it was for. 

When we called discover, in XXXX I was told she had been in the program since XXXX. I asked for a refund but was told all they could refund if the most recent payment. To help control expenses I told them cancel the protection plan and proved any refunds they can. I called back in XXXX requesting additional refund, they told me would look into it, but we never heard back. 


Documents : I have attached copy of fees charged for last few years, all I could get from the website..
Complaint sub-issue: Received bad information about my loan

After graduating from a four year college, my students loans with Sallie Mae were deferred for 6 months. After the deferment ended, I was told over the phone with a Sallie Mae representative that if I could not afford my payment I should put my loan into forbearance. I had not yet paid any of my loan at that point, and did not know I could make smaller payments that would not affect me as seriously. I put my loan into forbearance 3 times following that conversation, until I realized what a huge effect it had on my interest. I am now in debt more than ever and feel like I will never get out.
Complaint sub-issue: Reporting company used your report improperly

To Whom it May Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX    XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   XXXX .   XXXX    XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.      XXXX   XXXX   XXXX   XXXX ,  XXXX .    XX/XX/XXXX   XX/XX/XXXX    Telephone Companies    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX    All
Banks    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Telephone Companies   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   General Clothing Stores   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg.  Agencies  XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX  National Credit Card Cos.  XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX     XX/XX/XXXX   XX/XX/XXXX    Miscellaneous Reptg. Agencies    XXXX   XXXX  Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   Soc  sec #  XXXX  DOB  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Complaint sub-issue: Account status incorrect

I have reached out to XXXX to discuss inaccurate posted information that has been reported to my credit bureau ( s )  with no actions taken to correct the inaccurate information by XXXX. 

My student loans have been unfairly and inaccurately posted 90 days late to all 3 credit bureaus and XXXX will not remove the incorrect information after numerous phone calls and letters being sent to the XXXX credit department. 

I feel that my loans have been unfairly and inaccurately reported because I was never notified via US Mail nor telephone call by XXXX. My loans have always been in deferment since my departure from University due to health issues related to me being confined to a XXXX and issues surrounding my XXXX XXXX injury. 

XXXX is saying I was 90 days late and the only reason I found out about this information is that I was alerted when my credit score dropped over 390 points one day.  Unbeknownst to me, XXXX is stating that the sent me a message to my inbox on XXXX website. I do not check this website ever, never have. And no one has ever told me that I need to check this website on a monthly basis to check the status of my account with XXXX. 

XXXX unfairly reported me to the 3 major credit bureaus and has ruined my credit to the point I may not be able to move from one apartment to another this summer when my lease is up. My score went from a XXXX to XXXX overnight because of their unfair billing tactics and failure to properly notify me that my loans were no longer in deferment. 

Since the unfair credit reporting incident. I have filed multiple applications with XXXX in order to get my account back into deferred status. This process is lengthy and time-consuming and all computer-based meaning you are unable to speak directly to a human being in regards to the status.You just have to wait. This unfair process caused me to accumulate more late months because their process is slow and unfair. After three months of trying to get my accounts current and back into deferred status, I was denied and I was able to submit an Income-driven repayment plan of which I was ultimately approved for. Monthly payments are now {$0.00} for the next 12 months based on my current income. 

I reached out to XXXX and told them about the inaccurate reporting and they have denied multiple requests to withdrawal their inaccurate and unfair reporting to the credit bureaus and I feel this is completely unfair. 

Please assist me in having XXXX remover the Negative reporting for all of my loans that have been reported to ; XXXX, XXXX, and XXXX. 

Thank You XXXX XXXX
Complaint sub-issue: Credit denial

On or about XX/XX/2019 I applied for a loan purchase a new automobile. The dealership processed the loan to XXXX XXXX  and XXXX XXXX. Both companies used Sage Stream LLC and XXXX  for credit scores. XXXX reported a score of over XXXX and Sage Stream reported XXXX. I was sent letters from XXXX and XXXX XXXX about this to explain their declining credit for the car. 
Since XX/XX/2019, I have attempted to contact Sage Stream by phone at XXXX XXXX to 15 times at various times of the day. They do not answer their phone, but take a voicemail which they say will be answered within a business day. I have never heard from them. 
On or about XX/XX/2019, I submitted through their website a request for 1 ) a copy of my credit report and 2 ) a freeze on my credit report. Their website states that I will mailed the requested reports. 
As of XX/XX/2019, I have not received anything from Sage Stream.
Complaint sub-issue: Funds not handled or disbursed as instructed

SquareXXXX XXXX XXXX is holding money from a direct deposit return for employees payroll and the grounds that I owe XXXX. I have contacted them for months now. Have found the charge by them for the amount above on the date of XX/XX/2022 and sent the at their request proof of this transaction. After all of this has been done they still have no word on a resolution of the problem and continue to not be able to put me in contact with any party I have asked to speak to. I have asked for contact from a supervisor as well as the legal department and have not heard anything else back.
Complaint sub-issue: Old information reappears or never goes away

Equifax has put a Collections on my account from XXXX XXXX XXXXwhich has already been disputed and deleted before. This is clearly a reinserted account. It has been deleted for months already. They also refuse to remove any of my inquiries from my file. This has been disputed many times with FTC reports. Im still unable to take out the late charge from XXXX XXXX when it was never late and was confirmed with XXXX XXXX directly over the phone with a rep from XXXX. The three reports should be matching.
Complaint sub-issue: Reporting company used your report improperly

under 15 us code 1681b permissable purpose of consumer reports I never gave XXXX, equifax and XXXX any written consent to report anything to my consumer reports, so because I did not consent that means that is fraud. 

under 15 us code 1681a ( 2 ) ( B ) talks about exclusions from a consumer report any transaction supposed to be excluded from a consumer credit report. if a credit card which is social security was used in the transaction. the accounts listed below are all in violation of of both of these FCRA laws which i have tried resolving with the consumer reporting agencies and nothing has been done after multiple attempts. Because the violations are costing me a depressive life due to bureaus not following laws they should be held liable and repsonisble for fixing it. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

The company " afni '' attempting to collect a debt that I do not owe the creditor told me the debt was discharged.
Complaint sub-issue: Information belongs to someone else

There is information on my consumer report that is a result of identity theft. I did not provide permission or instructions or the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made and error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 You are required to do what Im asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Complaint sub-issue: Information belongs to someone else

I have contacted XXXX, Equifax, and XXXX in reference to this fraudulent account : XXXX in the amount of {$930.00} that reflects my credit report. I have contacted all listed agencies and creditors via mail 4 times. I provided them all with all the requested items to have the account removed from my credit profile. This items still remains on my credit.
Complaint sub-issue: Public record information inaccurate

I wrote the original creditors for months ago. I wrote Equifax XXXX  and XXXX  2 months ago and I have yet to hear anything from anyone
Complaint sub-issue: Debt was paid

I have not been contacted about this negative balance. I believe its through Alpine Credit or XXXX. This account was positive before I closed it and I do not understand why its still negative. I would like to get this issue resolved immediately because it is affecting my credit score immensely. I have had no debt collector call me or any mail correspondence delivered to me.