Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I am a XXXX at XXXX College. Im paying {$49.00} a month every month direct deposit to the school. However, they are reporting my account negatively on all three credit bureaus as an open collection as if Im not already making monthly payments of tuition directly to the school from my bank account each month. This is negatively impacting my ability to secure a home loan and provide shelter for my family. This is causing me economic harm.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent Equifax a letter disputing the XXXX XXXX XXXX account they are reporting on my credit report. They responded with a letter on XX/XX/XXXX saying they had completed their investigation and this account was verified. I disagreed with their report and sent another letter on XX/XX/XXXX asking for another investigation with proof of who they verified the account with as well as to delete the account. I did not receive a response. On XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I received a letter on XX/XX/XXXX with a credit report. This still showed the account as verified with a last payment of XX/XX/XXXX and the first delinquency as XX/XX/XXXX. I then sent a letter showing that his account has continued to show as charge off since XXXX. This a manipulation of the statute of limitations. I received an updated credit report on XX/XX/XXXX and this account still remained as verified. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. This report shows my first 30 day late payment was XX/XX/XXXX but shows the first delinquency as XX/XX/XXXX. How is this possible? I have also sent in a letter showing I have been in default with the company since XX/XX/XXXX but again this has not been updated with Equifax to show the correct date of delinquency. Equifax is also reporting the last payment as XX/XX/XXXX. There was no payment made on this date.
Complaint sub-issue: Card opened as result of identity theft or fraud

I have over {$1300.00} from discover opened in my name. I also one from XX/XX/XXXX opened 3 months from the other one being closed for likeXX/XX/XXXX and 2 more fromXX/XX/XXXX. and now I have a " serious deliquency '' on my report that should not be on there and I have been fighting this for almost 3 years.
Complaint sub-issue: Reporting company used your report improperly

I am requesting delettion of Department of Educarion/ XXXX removed from my consumer report. XXXX, Equifax and XXXX had no written content from my and PER 15 USC 1681B ( a ) ( 12 ) in accordance with the written instructions of the consumer to who it relates. PLEASE ASK XXXX EQUIFAX AND XXXX TO PRODUCE A CONTRACT IN AFFIDAVIT FORM SHOWING I GAVE THEM MY WRITTEN INSTRUCTIONS TO FURNISH THIS CONSUMER REPORT WITH XXXX  ON IT.

I am requesting this be deleted from my consumer report immediately.

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my right AND for XXXX to be deleted from all 3 agencys, XXXX XXXX and Equifax
Complaint sub-issue: Public record information inaccurate

Stuff on there multiple time and should of only went back 7 years and stuff is coming up from 13 years ago that's keeping me from the job
Complaint sub-issue: Their investigation did not fix an error on your report

I want to know what is taking Equifax so long to respond to the complaint I filed against them on XX/XX/XXXX. Complaint # XXXX. Equifax went on record an said they had information from the original creditor that validated the debt between me and XXXX XXXX XXXX. If they already have this information and had it prior to XX/XX/XXXX like they claim then why is it taking them so long to present it? They say they already have it and have had it since XX/XX/XXXX ( See Equifax dispute 3 ). They went on record on XX/XX/XXXX and said they had evidence from the original creditor that validated this debt. The evidence on that document does not validate the debt and they said they had received additional evidence from the original creditor that validated what XXXX was claiming. If they have this information already why is it taking them so long to present it. There is nothing for them to investigate. They already said they have the information so they dont have to investigate what they already claim to have. This should be simple for them. If they have what they claim too have then upload it in the next couple of days and prove what they say. Why is it taking them so long to present evidence they claim to already have. Read the document. I say they are lying and dont have any such evidence or they would have already uploaded it. I want to see this alleged evidence. I have a right to see it. if they have it show it immediately. They say they are investigating. What is their to investigate? They already have the documents according to them.
Complaint sub-issue: Account information incorrect

My discover account is currently closed but i'm still making the required monthly payments. on my credit report discover is currently reporting my account as " consumer disputes- Reinvestigation in progress. I'm not disputing this account and need the disputes to be closed as right now it is impacting my ability to purchase a new house. I never asked for a new investigation and didn't ask for the comment to be put on all my credit report.
Complaint sub-issue: Old information reappears or never goes away

I did not authorize this inquiry. 
The below inquiry on my credit report is fraudulent and should be removed by this establishment. I never knew this was on my credit report and as it shows it should have been removed already. 


CBNA/ XXXX XXXX XXXX XX/XX/XXXX INQUIRY XX/XX/XXXX INQUIRY REMOVAL DATE Bank Credit Cards XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My credit card company sent remarks to the credit bureaus regarding a disputed charge on my account. The dispute was resolved by me with the vendor prior to the credit card company taking any action. However, for reasons no one can explain ( the credit bureaus or my credit card company ) my FICO score went down significantly due to the remark. Upon questioning the remark with my credit card company I was assured that my credit history with them was excellent and that the remark should not have taken down my credit scores. They said they were going to dispute the remark with the credit bureaus. When the credit bureaus received the dispute my scores went down again. Of course once again no one can give me a straight answer. To say the FICO system is broken is an extreme under statement and I resent being a victim of ineptitude.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I paid this guy from XXXX XXXX  To clear up debt, your promise that I only be charged for the download of the credit report, one monthly payment Of XXXX, but yet there's no credit change in my credit report
Complaint sub-issue: Attempted to collect wrong amount

Cable bill saying i owe {$190.00}.
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. 

XXXX XXXX Account 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.
Complaint sub-issue: You never received your bill or did not know a payment was due

I have a PNC Cash Rewards and I want to pay my bill via their online banking. 

One of the Alert options that I chose was " Payment Due '' thinking that this option is one where I get an email alert about making payment on an upcoming bill. 

However, I never received any alert on my upcoming bills. When I called them about it on XX/XX/2020, I was told that this Pa ) yment Due alert is an alert that I have missed a payment and that PNC does not have any alert of an upcoming bill! THIS IS INANE -- - WHAT IS THE POINT OF ALERTING A CUSTOMER IF THE PAYMENT WAS ALREADY DUE AND HE HAS MISSED THE PAYMENT AND PNC HAS SLAPPED A HEFTY FEE? 

I did not want a paper bill because this is not environment-friendly but because they can't alert me of an upcoming payment, I requested to be sent a paper bill so I am reminded that a bill is upcoming. This is an unforrtunate consequence of their nonsensical alert system. 

XXXX  XXXX XXXX has an alert for an upcoming payment so I don't see why PNC can not do the same. 

IT SHOULD BE A REQUIREMENT FOR BANKS THAT IF THE CUSTOMER OPTS FOR ONLINE BANKING, THEN THEY SHOULD ALERT THE CUSTOMER OF AN UPCOMIING PAYMENT, NOT A ( STUPID ) ALERT THAT THEY WERE LATE AND THAT THEY NEED TO MAKE A PAYMENT AND PAY T HEIR HEFTY FEES.. 
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Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi, I do not recall these inquiries and request removal or supply supporting document as required by Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. 

I have reached out to all of the companies within this list via certified mail and received no response : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please provide any application supporting this inquires.
Complaint sub-issue: Problem with customer service

I am attempting to log in to their website to retrieve my tax documents for the year XXXX. The website and their XXXX app has been offline since XX/XX/XXXX according to them. I attempted to contact customer service but their phone number is out of service. I am also unable to log in which means I will not be able to pay the loan if the website shutdown continues. I attempted contact through their official XXXX webpage and was informed they are having technical difficulties but had no further information on this matter. I will be unable to submit accurate tax information for the year XXXX due to how they are handling their technical difficulties. According to them, there website and methods of contact have been shut down for 1 week as of XX/XX/XXXX. They are currently not helping or assisting their customers who have no choice but to use them due to how the Department of Education is contracting with them. 

Contact between their XXXX Page representative and myself : XXXX XXXX How long is the scheduled maintenance scheduled for? I can not find any information and need my tax documentation.. Doesn't look like this information has been posted anywhere. 
XXXX XXXX  Hi ******, sorry for the frustration. Our tech team is currently working to have this resolved as soon as possible. Are you able to provide your user name for further trouble shooting? 
XXXX XXXX  My username is ****** XXXX XXXX Great. Thanks so much for this info ****** and we will try to resolve this as quickly as possible. 
Thank you Link to the XXXX Page : https : XXXX Link to XXXX : XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

OnXX/XX/2021 letters were regarding inaccurate and incorrect stuff on my credit report. It has been 60 days and I have yet to receive any type of response yet or acknowledgment in regards to my credit accounts. I am clearly being taking advantaged of, and my disputes are being ignored by XXXX, XXXX  and Equifax. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. At this time is has been over 60 days and these items should be immediately removed and deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress that has been caused by this matter. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am currently a victim of identity theft and although these companies are aware of this they continue report false and misleading information on my accounts which is clearly not legal.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I deposited into the mail via certified return receipt letters to XXXX and Equifax. 
Both companies received the letters, signed for them and a receipt was obtained. 
Equifax sent a letter to me dated XXXX XXXX that updated the account of XXXX XXXX account number ending in XXXX for the amount of {$430.00}. The fraudulent account remained on my credit report even though I sent the following documents to Equifax : Copy of Federal Trade Commission XXXXdentity theft Report Copy of XXXX AZ police report detailing identity theft Copy of Washington state drivers license Copy of utility bill I sent the same letter to XXXX XXXX and they received the letter as well. They failed to respond or to remove the single XXXX XXXX account for {$430.00} from my credit report as well. 

The credit card issuer also failed to thoroughly investigate my identity theft and failed to remove the single credit card account in the amount of {$430.00} and absolve me all charges related to this account and they have kept reporting it. 
XXXX XXXX did properly respond to a second account and did remove that account but for some reason they have been unwilling to remove this final account. 

Other companies also had accounts opened in my name and those accounts were thoroughly investigated and removed from my credit report. 

XXXX XXXX, XXXX, XXXX XXXX all had fraudulent accounts opened in my name and they properly responded and removed those accounts from association with my name when I followed the law and provided them with the proper documentation. 
On XX/XX/XXXX I sent yet another notice to XXXX XXXX via certified mail that they did receive on XX/XX/XXXX that they have failed to properly investigate my identity theft and I demanded copies of all relevant evidence upon which they have relied to assert the account is mine. I have requested they provide me with all IP addresses associated with the opening of my account, screenshots of account, emails associated with my accounts and and signed documents. 
I received a letter from XXXX XXXX dated XX/XX/XXXX wherein they indicate that they have taken steps and then provided me with a code of some sort and kept reporting the card as if its mine. IT IS NOT! 
Capital One can not continue and XXXX and Equifax can not continue to fail to follow the Law and keep this final account in my name. They have ZERO EVIDENCE of a material misrepresentation of facts or that I benefited from this fraud because I HAVE NOT BENEFITED and I am the victim of identity theft, please help me correct this and help me recover damages from XXXX, Equifax and XXXX XXXX as they all three continue to damage my credit and my ability to legitimately use my credit. This has delayed my ability to properly acquire financial independence and avail myself of offers that are reserved for those who seek to better themselves financially.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Never applyed for a refinance loan with any of these companys
Complaint sub-issue: Didn't receive notice of right to dispute

In XXXX I responded to a wage garnishment. I went to the court and filed the necessary response. The officer informed me that the company had 30 days to send a response. The 30 days came and went. Since I had asked for a copy of my application and the amount owed at the time of write off I assumed this information could not be found. I then called Discover and was told to contact the agency that had my account. I spoke to a rep who was located in New Jersey about my account. He started to ask my information like address, ss #. I decided that if this company was suing me they should have this information. When I asked this question I was " disconnected ''. I did n't hear from the agency again. XX/XX/XXXX I was informed by my payroll department that my wages would be garnished again I tried to get information. This time I found that the agency is in XXXX XXXX. The practices of this company are sneaky and unfair. I feel I did respond within the time frame. I was also told by the sheriff that I had correctly responded to the order. Why was there no response? The company then waits a year to garnish me without any further notification?
Complaint sub-issue: Inadequate help over the phone

on or about XXXX XXXX i sent credit XXXX a letter to the ceo/ president XXXX XXXX XXXX in reference to this account and stiplulated the reson why this account should no longer be reported to the cra agency ( see previous dispute XXXX ) about 5 days later the trade line was removed from both XXXX and XXXX I assumed this did not happen by accident as it has been on my tradline for over 4 years.I assumed equifax did not yet or had delay in getting this information from XXXX. However on XXXX XXXX I received a letter from the office of the President and it then stated it has intiated the process to remove the tradeline, i then called equifax to notify them of this letter and they siad they have not yet received the request from XXXX i thought this was odd since the other cra have and removed the file as requested by XXXX XXXX. I am memeber of my fico and for what ever reason equifax seems to be slow or have some internal issues with this process. After speakign with the rep they said i willl have to dispute it and provide such duccumentation wich i did on friday XXXX XXXX. Today I went to check the status and i notice already they have completed the investigation and they verified the acccount this was obvious a XXXX automated response and does not coincide witht the obvious wishes in the atach letter from credit XXXX. Per XXXX office of the Prsident this letter this from has account should be removed Immediately. Also they XXXX instructed me to send a copy to the cra which again their clear and obvious intent is delete the trade!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Reviewed my credit reort on XX/XX/XXXX. Found XXXX XXXX XXXX had listed me delinquent for 2 months, never heard from them prior. On XX/XX/XXXX at XXXX called and spoke to XXXX XXXX to ask questions about information. They wanted my current address, I told them no they had my info from credit reporting agency. Was told I had to talk to dispute resolution and got transferred. At XXXX to XXXX XXXX who immediately when told what I was inquiring about advised me I had wrong department, gave me reference number XXXX. Transferred me to XXXX XXXX ( XXXX ) who transferred me to XXXX XXXX ( XXXX ). I asked for details and was told they could not give to me and I would have to write to -ERC XXXX XXXX XXXX XXXX Fl XXXX to get information. I said I would, then XXXX said I had to give her most recent mailing address or they would not respond. I had a XXXX XXXX account several years ago, returned equipment ( shows XX/XX/XXXX returned, but I know it was before then ) and after fighting about return, they listed me as delinquent on credit history. That finally went off my credit report. Now XXXX XXXX appears showing 2 months delinquent and today is first time I spoke to them or had heard from them. They should have to supply a detailed bill of what {$570.00} entails and since no prior business contact with me, I want them removed from my credit report immediately. Is it legal for XXXX XXXX to give my personal info ; including social security number to someone I have no business contact with?
Complaint sub-issue: Account status incorrect

I called XX/XX/XXXX to inquire about this debt. XXXX XXXX , XXXX informed me that XXXX deleted this debt XX/XX/XXXX. And that it was withdrawn from my credit report XX/XX/XXXX. 

It still shows up on my credit report from the three bureaus. It shows up once from XXXX XXXX , XXXX, again as XXXX, and again as ERC account number XXXX as till owing.
Complaint sub-issue: Account status incorrect

There was a late payment reported to my account in 2019. One credit bureau reports XX/XX/2019 being late and the other says XX/XX/2019 was late. Every time I try to dispute this mistake they change the date on the late payment.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I am being hit with a hard inquiry from XXXX XXXX/XXXX   which I did not make. I never authorized any Inquiry or applied for any card. This is fraud.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TXXXX XXXX XXXX XXXX XXXXXXXX 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. 

Inquiry details XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bankcard XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX