Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Was not notified of investigation status or results

This was not sent in error, I am XXXX XXXX, a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information
Complaint sub-issue: Investigation took too long

My husband and I sent a request to Equifax XX/XX/XXXX, requesting that they investigate errors on our credit report. A few weeks ago, we had to file a complaint with your organization because they took well over 30 days to respond. Equifax recently responded with the results of my husband 's investigation, but I have yet to receive anything from them. It has been two and a half months now, since we sent our original request.
Complaint sub-issue: Deposits and withdrawals

Hello, Since XX/XX/XXXX I have been receiving emails from US BANK ( XXXX so far ) that do not pertain to me. My email address is XXXX. I do not have an account with US Bank since XXXX when I had a mortgage there. 

From the emails I've been receiving it looks like someone is trying to open an account with my email and possibly my name. One email it addressed to XXXX XXXX XXXX. My name is XXXX XXXX XXXX. 

I have called the bank each time I've received an email and have been transferred to the Fraud Dept. XXXX has a different social security number. I was told they may have mixed up our accounts and was given an email to go to and told to write in STOP. My email did not go through. 

I have attached the emails.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been disputing this account with XXXX XXXX XXXX XXXX Equifax, and XXXX for months. The bureaus claim XX/XX/XXXX claims if accurate yet, all companies have refused to supply me with the method of verification and or any written contracts with my signature. According the the FCRC and Maryland state and Federal laws I have the right to have and review those contracts if any. If they don't have them then it accounts must be deleted. If XXXX XXXX did supply the bureaus with any information they did so under a ceased and deist order with was sent certified mail on XX/XX/XXXX and again XX/XX/XXXX If such information was provided under this order that is grounds for District Court withXX/XX/XXXX and all 3 credit bureaus for obtaining medical  information without my consent. At this point I was these account deleted not updated and I will seek damages of $XXXX  per violation per company (XXXX XXXX XXXX XXXX EquifaxXXXX and XXXX.
 Defamation
 Negligent Enablement of Identity Fraud
 Violation of the Fair Debt Collection Practices Act (including but not limited to Section 807-8) Violation of the Fair Credit Reporting Act (including but not limited to Section 623-b)
Complaint sub-issue: Information belongs to someone else

I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX  Y XXXX-Please verify the following incorrect names. I think there may be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX A XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. These accounts included in the dispute are : XXXX XXXX  XXXX JXXXX XXXX XXXXXXXX
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 title 15 U.S.C. 1681 : XXXX XXXX  XXXX : # XXXX, XXXX 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 HAVE ALL VIOLATED MY FEDERALLY PROTECTED CONSUMER 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 ) ( 6 ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

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.A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Complaint sub-issue: Information belongs to someone else

Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it 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: Frequent or repeated calls

Sallie Mae made 4 robocalls to both my home phone ( XXXX and my cell numbers in one day. I had previously asked that they did not call my cell number but I was fine with home calls. In a discussion with them tonight I felt harassed by four calls in one day especially since the person who took out the loan had made arrangements earlier in the day for payment. She had also contacted them before about payment and is in the process of having my name removed as a co-signer. The person I was talking to raised her voice and told me it was within guidelines to call that many times. I feel her talking angrily and unprofessionally to me was demeaning and unnecessary. I asked to talk to a supervisor. XXXX XXXX, the supervisor, again told me this was not harassment. I feel four calls after arrangements were made is four too many not to mention 2 of them were to a number I asked them not to call.
Complaint sub-issue: Can't close your account

On XX/XX/20 I was prompted to update personal information so that my new Citi Bank Mastercard could be sent to me prior to its expiration date. I followed the prompts and at the end of the process I had somehow opened a Citi Accelerate Savings account ( ending in XXXX ) that I did not want. The whole process was very deceptive. I have been trying since XX/XX/20 to call Citi to cancel the account but Citi doesn't answer any of their customer support numbers.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX  and Equifax is not helping me to remove these Inquiries, I am practicing my right to challenge questionable information that I have found on my personal credit report. These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. I found I was not the one who authorized this inquiry, I'm asking that that be removed immediately from my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been a victim of identity theft and a fraudulent accounts appears on my credit files. I have reported this account tot all necessary authorities and XXXX and Equifax are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Complaint sub-issue: Account information incorrect

Account : XXXX XXXX Account # : XXXX Dates Associated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX When I called a representative kindly agreed to have these late payments removed from my account now that it has been paid in full and I have since been on time with all recent payments. 

This adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from my credit history. Thank you for your assistance.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XX/XX/XXXX, I had various online transactions that were fraudulent. As soon as I saw them on my statement in XX/XX/XXXX, I called XXXX security team to have my card canceled and file fraudulent claims on those transactions. I did receive a new card but did not receive any updates on the claims. 2 weeks later I talked to a Citi representative via chat and they also informed me that no disputes were filed and that she would file them for me. A week later after not hearing anything, I called Citi again. The representative XXXX also said that neither of the agents had filed any disputes on the fraudulent transactions. He also said that he would get the matter escalated, but I believe nothing has been done from the 3 times that I have tried to contact Citi.
Complaint sub-issue: Information belongs to someone else

I sent Omni Financial a debt validation letter on XXXX XX/XX/2018 and they still have not responded or taken this account that off of my credit report.
Complaint sub-issue: Was not notified of investigation status or results

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
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. 
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 : DEPT OF EDXXXX # XXXX Account name : XXXX XXXX XXXX XXXX, Account name : # XXXX, Account name : XXXX XXXX # XXXX, Account name : The bank of XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name XXXX XXXX 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 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., Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 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.
Complaint sub-issue: Information belongs to someone else

I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U.S. Bankruptcy Courts confirmed the three reporting Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/19 at XXXX I placed an online order with XXXX using my Citibank credit card. When I attempted to personalize the order, I found that their program was not as described, and that I would need to purchase additional food. I canceled the order on the merchant 's website. I received a confirmation email from the merchant at XXXX XX/XX/19 that this order had been canceled. 

When the order appeared on my credit card account, I filed a dispute with Citibank. Within my dispute I identified that the product was not as described ( NOT a full meal replacement program ) and I stated that the order had been canceled within hours of having been initiated. 

Citibank apparently only notified the merchant of the " goods/services not as expected '' portion of my dispute and did not include that the order had been canceled in their contact with the merchant. 

XX/XX/19 I discovered that Citibank had marked this dispute " resolved ''. I contacted Citibank and spoke with their dispute clerks who refused to reopen this dispute. The clerk stated that on XX/XX/19 Citibank sent me a notice to the messaging center within Citibank 's website, but this clerk admitted that Citibank never emailed me, called me or sent me a letter. He told me that I, as a customer, am expected to " check the messaging center every day '' in the event Citibank has sent me a notice. I find this ridiculous. 

Citibank failed to properly adjudicate this dispute. I have documentation to verify that this order was canceled within hours of being placed. Citibank never requested documentation or asked any questions. They apparently just sent a form letter to the merchant and, without contacting me for documentation, " resolved '' this dispute.
Complaint sub-issue: Problem using a debit or ATM card

My social security card was stolen recently then when I checked my bank account I noticed a fraudulent charge of {$200.00} from my checking account.
Complaint sub-issue: Account information incorrect

Equifax is reporting a mortgage account that is closed asd has been paid in full as opened and with an outstanding balance on my credit report. I have notified them multiple times now this account is paid and closed and they have not corrected the issue. I have reached out now over a dozer time and for over a month or two now. they have ignored my requests and still show the account opened with a balance and that is incorrect. this account is closed and paid in fill parkside lending has been paid and in full and show show a XXXX balance an closed please properly update the accurately
Complaint sub-issue: Information is not mine

Equifax is reporting a large number of inquiries on my credit report that has not been authorized by me. Most of which has occurred recently. Inquiries were being fraudulently placed on my credit file. I did not authorize the following inquiries : XXXX ; XX/XX/XXXX, XXXX XXXX ; XX/XX/XXXX , XXXX XXXX XXXX ; XX/XX/XXXX, XXXX ; XX/XX/XXXX, XXXX XXXX XXXX ; XX/XX/XXXX, XXXX ; XX/XX/XXXX, XXXX XXXX ; XX/XX/XXXX,
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX REFUSED TO CORRECT MY CREDIT REPORT AFTER I PRESENTED THEM WITH AN ID THEFT REPORT, POLICE REPORT AND ID THEFT AFFIDAVIT. THE DISPUTE HAS BEEN GOING ON OVER 30 DAYS, SINCE THE DAY I FAXED THEM THE INFORMATION. THEY STARTED THE DISPUTE ON XX/XX/XXXX, EVEN THOUGH I SUBMITTED MY DISPUTE IN MID XX/XX/XXXX. THRY HAVE RECEIVED THE PROPER DOCUMENTATION AND STILL REFUSE TO CORRECT THE PROBLEM. THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME : XXXX XXXX XXXX   XXXX AMT. XXXX, XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX, XXXX AMT. XXXX OPENED : XX/XX/XXXX XXXX XXXX AMT. XXXX OPENED : XXXX XXXX I ALSO HAVE FRAUDULENT INQUIRIES WHICH THE HAVE REFUSED TO MOVE.
Complaint sub-issue: Received bad information about your loan

Discover Student Loan policies are designed to maximize interest charged. You are forced to sign up for autopay or you will pay 0.25 % more. The autopay can take out anywhere for 1 to 3 days to take out payment. I pay average of around $ XXXX/month or more in interest, so you are looking at up an extra {$60.00} dollars interest per month. 

In addition, the information in account balance, monthly statement and student loan history ( which can be requested after struggling with hours of arguing with customer service ). 

Any time you make any changes to your account, discover re-calculates your interest and increases it. 
There needs to be transparency and illegal practices need to be stopped. I would like beg to lawmakers or anyone who can help to please -please -please don't torture the payer. I am already paying so much interest and making on-time payments plus taxes. Can anyone help. I have paid more than originally borrowed amount. I am not asking for forgiveness, I am asking for transparency. I need to know where my hard earned dollars are going??????
Complaint sub-issue: Debt is not yours

I sent letters to the Collection Agency : ALLIED INTERSTATE LLC over 30 days ago and they still have not replied. The company has sent a letter to the Credit Bureaus alleging verification that I was delinquent with a collection debt that I owed to you! This allegation may be in error. I would like you to send me the PROOF, assuming it exists in accordance with the FDCPA sections 809a & b.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX is a SCAM! I submitted a complaint outlining false reporting around the date a Best Buy credit card account was opened. They responded admitting the account was opened in XXXX and went delinquent in XXXX but because they purchased the debt in XXXX that is why they listed the account being opened. THIS IS FRAUD. When they bought the debt has nothing to do with how old the debt is. They are doing this so they can restart the clock on my credit report and have longer to collect. It is predatory! The age of the debt being accurate on a credit report is important! Newer debts have more impact on overall credit score. It needs to be reported accurately. This is so criminal. They are also claiming they cant control what the credit report agency shows which is also untrue hence it being illegal to report false information. Are they accusing XXXX XXXX of lying? Well if so THEY should file a suit against the credit reporting services for misrepresenting their data but that is not what is happening. Please this is predatory and I expect the government to do the right thing and hold XXXX XXXX  responsible. Claiming the debt was opened in XXXX because they sent a letter to me informing me of the debt that had already existed for years is insane. Im not going to let this go!
Complaint sub-issue: Personal information incorrect

My name and date of birth are incorrect on many of my accounts In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 acount without my written instructions
Complaint sub-issue: Investigation took more than 30 days

Equifax has not provided a response to my credit dispute for over 30 days it has been almost 60 days since my dispute was sent for the XXXX XXXX XXXX and XXXX XXXX XXXXn credit card and XXXX  car loan accounts.