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

On XXXX I mailed out 3 separate dispute letters including an identity theft affidavit to XXXX, Equifax, and XXXX. It has been over 30 days I haven't received any correspondence from neither of the credit bureaus regarding my dispute. As per the Fair Credit Reporting Act 15 U.S. Code 1681i no reasonable investigation has been conducted due to the  inaccurate fraudulent information appearing on my credit file neither Prompt notice of dispute to furnisher of information before the expiration of the 5 business day period on the date it was received. The bureaus continuously violate my consumer rights by reporting inaccurate fraudulent information on my credit file and must be held accountable. XXXX, US Dept of Education, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX are some of the fraudulent accounts th.at were opened due to my identity being compromised.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account : 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  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: Was not notified of investigation status or results

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.
Complaint sub-issue: Card opened as result of identity theft or fraud

Hello this account was opened in   XXXX   in  XXXX   XXXX  I live in  XXXX . This person opened this account was not me
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI 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. States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are many mistakes appear in my report without my understanding.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX XXXX, entered into a consumer credit transaction with CCM Finance LLC on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. XXXX usc XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CCM Finance LLC took cash. The finance charge is suppose to include insurance, but CCM Finance LLC made me purchase insurance separately. 15 USC 1692 ( a ) .states, Abusive debt collection practices contributed to the invasions of individual privacy, CCM FINANCE LLC willfully gave and willfully admitted to giving my information to a illegal third party, XXXX XXXXXXXX XXXX XXXXXXXX, who wasn't a witness to the agreement, and also I never made any agreements with nor contract with, my personal information to find my location, which is an invasion of my privacy and sensitive information, to come and steal my vehicle which is theft. CCM FINANCE LLC is in violation 15 USC 1611. CCM FINANCE LLC willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civily and criminally liable.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX, NC XXXX, XXXX XXXX Balance XXXX {$860.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$890.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$74.00}, XXXX  XXXX XXXX : {$200.00}, XXXX  XXXX Balance : {$31.00}, XXXX XXXX Balance : {$540.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

Well it started when I asked XXXX to look into my XXXX XXXX account, which was closed and had erroneous information on it. It said that the account had been sold to another lender. Well they reaged the account that has been closed since 2013, and Equifax has it not showing a closing date. I try to fix one thing and they try to get me on another.i managed by to take photos of the old XXXX account before they doctored the results. Equifax has it wrong to.
Complaint sub-issue: Account information incorrect

Equifax has placed inaccurate on credit report and the dates are followed Closed XX/XX/XXXX and XXXXXXXX XXXX date is XX/XX/XXXX. There is inaccurate information being reported by Equifax.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts XXXX XXXX, Acct. No. XXXX ; XXXX XXXX, Acct. XXXX ; XXXX XXXX Acct. XXXX ; XXXX XXXX, Acct. No. XXXX ; Inquiries XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX, XX/XX/XXXX ; XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX ; XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/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 XX/XX/XXXX These have violated my rights. 

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

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

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any 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 ) states that 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: Reporting company used your report improperly

The credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Old information reappears or never goes away

Hard Inquiries on report that are 2 years old, they need to be off my credit report please. I am trying to purchase a home and these are hindering my credit, I know they are old but my loan officer wants to show the underwriter I have had less than 5 inquiries. 

XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020
Complaint sub-issue: No notice of investigation status/result

ACCOUNT : XXXX/XXXXACCOUNT ACTUALLY OPENED NOT IN XXXX OR XXXX, BUT IN XXXX. 
XXXX is trying to re-age the debt, even though it was discharged in a Chapter XXXX bankruptcy petition. This is a practice highly scrutinized by the Federal Trade Commission. 
The credit bureaus have not done a proper reinvestigation on this credit trade line. All XXXX credit bureaus have a different start date, initial XXXX late start date and end date. 
The account is over XXXX months since its first late payment, and must be deleted under the Fair Credit Reporting Act 7-year rule. 
I REQUEST A FULL REINVESTIGATION TO CLARIFY MY STATEMENT THAT THIS TRADE LINE HAS OUTLIVED THE 7-YEAR MANDATE FOR REPORTING OF NEGATIVE INFORMATION!!!
Complaint sub-issue: Public record information inaccurate

Dismissed Bankruptcy from XX/XX/2017 I've tried Equifax to remedy this situation, but it's been to no avail. Everytime I dispute this they say it comes back verified from the court? But I contacted the court and they informed me that they dont give out any information to the credit bureaus. It also said that the Information was verified through XXXX, a third party. Well I have my XXXX file and it shows no bankruptcy on there. I will be uploading those documents. If this cant be resolved, I will be forced to pursue further actions, notwithstanding legal procedures against the Equifax credit bureau.
Complaint sub-issue: Information is not mine

I have attempted to report errors on my equifax report but can get no response from them, There is an incorrect name, address and previous work in my credit report, please help
Complaint sub-issue: Account terms

My mortgage loan with XXXX XXXX was reported on XXXX/XXXX/2016 as missing the payment for XXXX 2016. This caused my credit score go down XXXX points. The same loan reported by XXXX on XXXX/XXXX/2016 show the payment made. See below XXXX report : Current Worst Payment Status 120-149 Days Late Date of Last Payment XXXX XXXX, 2016 Amount Past Due {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My credit card was charged for things I did not purchase. A large number of the charges are listed as being from XXXX. I don't have an XXXX XXXX account. In fact, I have no payment arrangement with XXXX whatsoever. I called the number listed for XXXX several times, but each time, either it says call back, or puts me into a phone tree. The phone tree always returns me to the a menu I have been on before. In other words, it puts me in an infinite loop. No wonder the original address of XXXX Headquarters was 1Infinite Loop. 

Another charge was from XXXX. I don't even own a a XXXX. 

There is also a billing for XXXX XXXX. I did originally subscribe to XXXX XXXX, but quickly rescinded my subscription. 

When I disputed these charges, I got a message saying they would contact me if they needed additional information. Of course they never contacted me. Finally they said the dispute had been resolved by refunding XXXX dollars and some cents on the XXXX billing of {$42.00}, {$26.00}, and {$10.00}.
Complaint sub-issue: Trouble with how payments are handled

I am the co-signer on my daughters student loan with Sallie Mae. Her loan payment should have been made in XX/XX/XXXX and my daughter was having trouble. She called and called ; they were rude and demanding ; not wanting to listen to her. After about 6 times calling she final was able speak with a manager. They talked on XXXX XXXX, 2016 at XXXX. and the call lasted 24 minutes. They worked out a payment plan that started on XXXX XXXX, 2016 and ends on XXXX XXXX, 2016. Then, they would reexam her finances or continue with that amount and only the date might change. I also spoke with them on XXXX XXXX, 2016 to give them my financial information. We were told that if a payment plan was set then the clock would go back to XXXX and were would not be reported. On Friday XXXX XXXX, 2016, I received a notice from the credit bureau that we was reported on all three of the loans on XXXX XXXX, 2016 and my daughters first payment was due on XXXX XXXX, 2016. If either one of us had been told that the payment needed to be made by XX/XX/XXXX it would have been paid. It seems that Sallie Mae is back doing poor business practice ( predatory practices ) and misleading their customers in order to get late fees and ruin customers credit at the same time. I ask for your assistance in not allowing Sallie Mae to get away with these forms of practices and to have them removed this from both our credit rating. Thank you for your time ; Sincerely yours.
Complaint sub-issue: Information belongs to someone else

Happy Money , Inc. is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bona-fide ID Theft/ Fraud however they have failed to remove my account as other creditors involved have already done which has lowered my credit score by over 200 points.

Happy Money, Inc. can not provide proper validation that is required by federal and Texas state law in order to credit report. They can not provide me with any original credit application or signed loan contract with my original signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. All they can provide is online documentation with a computer generated signature -- nothing that connects the debt to me legally by original signature as strictly required by Texas Finance code.

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated OR IS DEEMED FRAUDULENT.
Complaint sub-issue: Problem with personal statement of dispute

Hello, I am currently on XXXX XXXX as a XXXX in the United States XXXX with service in XXXX XXXX XXXX. 

I was selected to represent the U.S. Government in XXXX from XXXX XXXX to XXXX XXXX. 

Conditions were austere and I had very limited access to electricity, the telephone, or the internet. 

Prior to my XXXX I was in the field in a secure environment, for over 30 days, with limited communications, I then XXXX to XXXX in order to facilitate the building of a relationship with a key strategic partner. Unfortunately, I had a XXXX dollar charge on a otherwise zero balance credit card, I have never missed a payment in my credit history, and it lapsed for 60 days. I was unable to receive notification of the debt, nor did I have the means of paying the XXXX dollar balance, due to the austere conditions of my XXXX. 
I have contacted Citi Bank on multiple occasions, providing them with documentary proof, and have been ignored, rebuffed, or shunted to the credit agency. The credit agencies then will direct me back to Citi.

My credit score has dropped by about 60 points over a XXXX dollar charge and it effects my livelihood and security clearance. Any assistance or guidance would be appreciated.
Complaint sub-issue: Information is not mine

I recently received my credit report via a loaner, and realized the report includes unknown person 's name.
Complaint sub-issue: Investigation took more than 30 days

I have sent out numerous of letters asking them to verify and show proof of accuracy of the account that is on my report. The accounts and inquiries that are being reported is incorrect and inconsistent. 

Dispute started on XX/XX/XXXX for XXXX XXXX XXXX amount {$220.00}, XXXX {$0.00}, XXXX XXXX {$0.00},
Complaint sub-issue: Problem with cash advances

I used XXXX to put money on an inmates books. Im already charged a XXXX  + dollar fee from XXXX and then I look at my Discover Credit Card Statement and they decided to charge me a XXXX dollar cash advance fee that I never aggreed to. The main purpose of the credit card is to be a credit card. Not charged like a debit card unless i want to get cash back from a store. Ive never heard of cash xfers through a credit card. The website said put in a credit card not a debit card. Ive always known Discover to be a credit card company and also remember a phone call I asked about cash advances and there was no fee if paid on time. I pulled XXXX out at XXXX and was never charged a cash advance fee. I also had to put in a pin number to get a cash advance and never put in a pin for XXXX. I would like my XXXX back. I will attach my statement pdf of the last 12 months you will see the XXXX cash advance from XXXX in XX/XX/19 with no cash advance fee. Then the XXXX of XXXX which was not authorized as a cash advance. It is a credit card purchase not a cash advance. I did not put in a pin or anything.
Complaint sub-issue: Confusing or misleading advertising about the credit card

On XX/XX/2022 at or about XXXX XXXX, I submitted a CITIBANK " FLEX LOAN '' with the following terms on the " agree and Submit '' page, to wit : Loan Amount {$10000.00}, APR 5.99 %, Monthly payment {$200.00}, Number of Payments 60 - delivered to my XXXX  account. Any reasonable person reading this promotional offer would understand that to be tantamount to a loan payment for a car fixed for 60 months. Upon receipt of the first statement it was noticed that the first payment was {$260.00} adding interest of {$57.00}. When called, Citibank stated that this was not the case but that interest was added each month to the unpaid balance- NOT WHAT WAS REPRESENTED BY CITIBANK NOR WHAT WAS AGREED TO AND SUBMITTED. Citibank had the nerve to inform me that I could ( 1 ) cancel this loan and pay it back or ( 2 ) cancel the loan and go to the higher 23.49 % interest rate immediately. Both options are totally unworkable and may, down the road, force me into a XXXX XXXX situation. I used this so called LOAN to payoff other higher rate credit cards ( which can not be undone ) and thought I was getting a loan with fixed monthly payments rather than a disguised cash advance from a credit card company - have a bunch of those- but chose this approach to get a fixed loan for 60 months not a credit card whose outstanding balance goes down each month with a payment. If this is not Fraudulent Misrepresentation I do not know what would qualify for this type of misleading and predatory offers that do not disclose the interest payment is added to the {$200.00} payment as described herein. I am between a rock and a hard place and I need help.
Complaint sub-issue: Debt was result of identity theft

My grandmother, XXXX XXXX XXXX, ( deceased XX/XX/14 ) took out additional student loans in my name through, what I can only assume, was a forging of my signature. I was never aware or informed of these loans that are currently in collections with XXXX XXXX XXXX   and only just saw them on my credit reports when applying for a home loan this past winter. I have contacted XXXX XXXX  ( the original debtor ) to no avail and have also attempted to contact XXXX XXXX XXXX but do not have account numbers or my grandmothers SSN and can not prove I have access to these accounts as I have never received written acknowledgement of these debts.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is trying to collect a debt that i do not owe, and they are reporting this debt to the Consumer Reporting Agencies. XXXX XXXX XXXX has yet to provide proof that they are licensed to collect debt in the my state, Proof that they have legal right to collect this debt, meaning, they have the proper assignment of debt from the original creditor, a complete payment history, the requirement of which has been established by Spears vs Brennan, 745 N.E.2nd 862 ; 2001 Ind. App. Lexis 509, The agreement that bears the signature of the contract stating I'm the debtor agreeing to pay the creditor, Coppola vs Arrow Financial Services, 302cv577, 2002 WL 32173704 ( D. Conn., Oct 29 2002 ) - Information relating to the purchase of the debt, Provide me a breakdown of fees including how they calculated what they claim I owe. XXXX XXXX XXXX  has yet to send me any of the items mentioned. This debt is deficient of physical verifiable validation, plus this is a debt i do not owe. They are reporting this debt to all three credit bureaus which is hurting my reputation. If XXXX XXXX XXXX does not have this collection account removed from my all three of my credit reports i am prepared to go to court for violations of the Fair Debt Collection Practices Act, 15 U.S.C 1692 ( hereinafter " FDCPA '' ), which prohibits debt collectors from engaging in abusive, deceptive, and unfair practices., and file compliant with the Attorney General of my state, and file compliant with the XXXX.
Complaint sub-issue: Received bad information about your loan

The complaint is regarding XXXX and their inaccurate count of my Public Service Loan Forgiveness Qualifying Payments. 

I submitted my employment verification form to XXXX XXXX this past XX/XX/XXXX, which initiated a transfer of my loans to XXXX from XXXX. I have been repaying my loans to XXXX via an income-based-repayment plan ( PAYE ) since late XX/XX/XXXX. I should have approximately 32 qualifying payments for PSLF on record from the date that my loans transferred to XXXX, however my qualifying payment count still says " 0 '' on the XXXX   website. 

This is frustrating because I have called XXXX on multiple occasions on multiple occasions regarding this, and have been told that the problem will be corrected within 90 days, however I am now well over that 90 mark and my payment count still says " 0. '' I have made several career decisions based on the promise of PSLF, so this delay concerns me deeply.