Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had inquired about an auto loan through XXXX XXXX XXXX XXXX to run a credit check however there are multiple other inquiries as listed 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
Complaint sub-issue: Was not notified of investigation status or results

This isnt my first complaint/review. After several disputes and attempts to reach XXXX, I got an email from them AFTER ( 4 years of avoiding and not returning my calls ) I started assessing law firms to take my case. I brought this concern up with two of the law firms, and now they wont reply. I can only presume that ethical laws were bootleg and my information and intent was shared with XXXX ... which invoked the email. 

XXXX XXXX XXXX, a corrupt company that XXXX  partners with, has violated my personal rights via the following acts : the Fair Debt Collection Practices Act ; the Fair Credit Reporting Act ; the Civil Rights Act of 1866 ; The Fair Housing Act ; Americans with Disabilities Act ; and the The Equal Credit Opportunity Act. 

I have, Under FRCA 611 ( a ) disputed the completeness and accuracy of the information being reported to all credit bureaus. Per the formal investigation process under FRCA 611 ( a ) ( 2 ), the following is suppose to take place by law, yet XXXX  has already responded with XXXX XXXX inaccurate response. The process states that, all relevant information regarding the dispute is to be sent to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your re-investigation within 30 days of the date of this letter. 

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true re-investigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

As you may guess ... NONE of these laws have been adhered to by XXXX, and I will need to take further action towards the bureaus that have not followed the law. 

This is an update on an ongoing process. XXXX email started that we should talk ... lets find a solution. The solution is to follow the law and due diligence of the process. I am not certain that XXXX knows that XXXX XXXX XXXX filed this inaccurate account, was paid with federal funds by the Department of Veteran Affairs and the Military Family Relief Fund ( MFRF ). Paid the lease out 19 days ( prorated ) in advance, which they did not return the fund or deny them. Only a month later, I got a erroneous bill, after I had already received my checkout list and deposit amount owed. 

I can only presume that XXXX knows and is enabling, reinforcing, and complicit in breaking the law.
Complaint sub-issue: Investigation took more than 30 days

Company has not responded to invoice and has not delete inaccurate accounts off of my credit report
Complaint sub-issue: Old information reappears or never goes away

I had a collection on my credit report from about 4 years ago from XXXX XXXX and electric in which belongs to my mother. I have been disputing it ever since it was originally added to my credit report because it does not belong to me. On XX/XX/XXXX my dispute finally was accepted and the account was deleted, the creditor at this time was called XXXX XXXX XXXX. About a week ago ( around XX/XX/XXXX ) the collection was added back to credit report after it being OVER A YEAR and now has a new creditor called I C System. Now the collection is saying it was opened in XX/XX/XXXX which is totally inaccurate from when it was originally on my account and i would have to wait another 7 years for it to drop if it is not resolved. Also it was deleted originally for false information and its been over a year why was it added again with a new creditor a year later. Im highly upset.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers  is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Please refer to CFPB complaint # XXXX-XXXX and all attachments filed XX/XX/XXXX. Citibank also recently issued an unnecessary note on my credit that needs to be removed immediately after allowing merchant XXXX XXXX XXXX XXXX to charge fees for services they did not deliver. This business has a history of not delivering service to it clients and deceives customers by issuing themselves false reviews online.This financial abuse has caused me to no longer be able to confidently use my credit with Citibank because it has used its position of power to make notes on my credit that could greatly affect it in a negative manner.
Complaint sub-issue: Inadequate help over the phone

Have asked and contacted Equifax Several times about the erroneous information on my credit Record. XXXX XXXX XXXX XXXX and XXXX XXXX, never did business with XXXX . There 's no Written nor copy of any information supplied to any of the above collections agencies.
Complaint sub-issue: Information belongs to someone else

According to my XXXX Credit Report, DISCOVER made a credit inquiry to XXXX in my name on XXXX XXXX 2016. This inquiry resulted in DISCOVER declining an application for credit that they believe was submitted to DISCOVER by me. I have not ( ever! ) made a credit application to DISCOVER, and the application which DISCOVER received was not made by me ( or was an error made by DISCOVER ). 
I have written to DISCOVER and asked them to provide information about this request for credit, and to have DISCOVER remove this item from my credit history. DISCOVER have responded without providing ANY of the information I requested, and have stated that their information is correct. This is untrue.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is allowing XXXX Bank to furnish inaccurate information on my report! I disputed this alleged charged-off account XXXX before on the here ( The Consumer Financial Protection Bureau website Complaint ID XXXX ) I stated the alleged account has the wrong date of first delinquency with proof of the payment history calendar contradicting the date of first delinquency. Yet Equifax Verified the alleged account. Then sends me a credit report stating the alleged Data furnisher/Creditor has verified that the date of last activity is reporting correctly yet the credit report did not furnish any date of last activity or date closed for the account however they did furnish the same inaccurate date of first delinquency this is inaccurate and incomplete reporting at best!!!

I also Disputed the date of this Alleged account of first major delinquency with XXXX  received the same response. XXXX  XXXX they did an investigation but when they allegedly " updated the account '' The status date was not updated and is still outdated by 3 years which is a violation. 

XXXX  Claims that XX/XX/2018 is the last payment but the alleged payment calendar suggests it is XX/XX/2018 both dates can not be correct and both are not consistent with the alleged date of the first major delinquency shown on Equifax which means all 3 credit reporting agencies are furnishing inconsistent data I demand a reinvestigation on this alleged charged-off account immediately. After the reinvestigation I want this alleged charged-off account deleted immediately If this alleged charged-off account is verified I demand the credit reporting agency to upload/send a method of verification to this consumer portal or to mail it to this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX who I have given power of attorney to, to handle this unethical reporting by the aforementioned credit reporting agencies I want to know who was contacted when you contacted them, the name of the representative who was contacted with the date of the investigation, and the procedure you utilized. Section of 611 ( a ) ( 7 ) states that you must give me : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description listed above.
Complaint sub-issue: Frequent or repeated calls

calling 15 to 16 times a day each day. Have it on a call log of time and date. starts early morning and last all day
Complaint sub-issue: Reporting company used your report improperly

15 U S Code 1681 section 602a ( 4 ) states that consumers have the right to privacy. My rights as a consumer has been violated by the company list below. Republic Finance, LLC- Acct. # XXXX U S Code 1681c ( a ) ( 4 ) ( 5 ) states that except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) 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 Code 1681-2 ( B ) ( i ) the PERSON has been notified by consumer at the address specified by the PERSON for such notices that specific information is inaccurate. I have notified this company by disputing with them, CFPB,, and credit reporting agencies.15 U S Code 1681b ( a ) ( c ) ( 2 ) states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. I never gave written instructions for this company to furnish anything on my consumer report.15 U S Code 1681a section 603 ( d ) ( 1 ) states the term " consumer report '' means any written, or, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establish the consumer 's eligibility ; ( 2 ) EXCLUSIONS ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This company has report damaging transactions or experiences that has affected my credit standing, credit worthiness, general reputation, and my mode of living. 15 U S Code 1692f ( i ) states that the collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I never authorized any interest, fee, charge, or expense for this debt. The debt is charged off to profit and loss. I received a 1099-C form from the company.15 U S Code 1692e ( 2 ) ( A ) the false representation of ( A ) the character, amount, or legal status of any debt is a violation. The amount and legal status of this debt is inaccurate. My consumer report states that the account is listed as closed. It is still being reported as in collection with a balance of { {$13000.00} }, monthly payment of { {$470.00} }, and a payment history that is reporting transactions or experiences which is excluded under 15 U S Code 1681a ( 2 ) ( A ) ( i ).
Complaint sub-issue: Frequent or repeated calls

Calls my cell, my husband 's cell, and now my job from blocked numbers multiple times per day. Sometimes leaving a voicemail with vague information.
Complaint sub-issue: Funds not received from closed account

My mother died XX/XX/XXXX, and the death certificate was issued 2 weeks later. My sister, who is in XXXX, has been handling settling my mother 's estate. My sister and I are the sole living beneficiaries of a trust fund that was available to my mother during her lifetime. 

KeyBank, which handled the trust, helped my mother conduct a search for my brother, who had not been heard from in 20 years, in approximately XX/XX/XXXX. KeyBank recommended someone to help my mother and knew that this search found nothing. 

KeyBank is now claiming that they have no record of this search and/or this search was not done. It is obvious that KeyBank stands to benefit by this denial as they prolong the time that they maintain control of the trust so they can continue to charge fees and churn the account. There are no other complications, claims, or other impediments that prevent the disbursement of the funds from the trust to my sister and myself as stipulated in the original trust document. 

My mother trusted KeyBank so my sister and I have no independent documentation that this 'due diligence ' was previously done. KeyBank 's behavior is unethical and duplicitous. 

We want others to know that KeyBank is not an institution that is to be trusted or that will look after the best interests of their customers. We hope this agency can help my sister and myself in an appropriate and expeditious settlement of what should be an unremarkable transfer of funds. 

Yours, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft and have had a fraud alert on my credit report and a security freeze. I do not understand why I have inquiries from companies that I never applied iwth or gave permission to pull my credit reports The companies I have not authorized are 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, I HAVE FILED A FEW POLICE REPORTS AND A FTC REPORT VIA FTC REPORT NUMBER XXXX. I have attached police report confirmation to this complaint.THE REPORTS DETAIL EACH NEW ACT OF FRAUD ON MY CREDIT FILE.
Complaint sub-issue: Account information incorrect

I have contacted the credit bureaus and XXXX XXXX for months about this account showing up with a balance on my credit report when in fact I paid it and closed them in XXXX. I had a credit builder account and an credit card both of them were paid and closed by me.
Complaint sub-issue: Personal information incorrect

To  XXXX , Equifax and  XXXX  I sent a certified letter asking ton only report my current information but my report is still showing inaccuracies! Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , CA, XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   .    (  These are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should be DELETED., This is my second request and first request was sent certified so I know it 's been received it just was n't done.
Complaint sub-issue: Used obscene, profane, or other abusive language

So there is a previous complaint XXXX. I called back to try to get the address and account number to file a dispute. They refused to use give me the information or to allow me to have all contact in writing with the company as the LAW states I have a right to. I was told I would have to send that to them in writing yet refused to give me the address or account number to send that to UNLESS i gave then information in return. I finally just hung up and I am going to sue them for the violations of the fair debt collection practices act. He was rude, and abusive in his language, and he further when told that I was XXXX and needed my legal consultant to assist me, he became berating of myself and my legal consultant and refused to make any accommodations for my XXXX in violation of the Americans with Disabilities Act, he actually stated when told I was XXXX that he was going to treat me like anyone else He demanded i give him my proof right then, he refused to provide either a physical or email address and refused to accept my request to only deal with them in writing. This adds to my first complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax and mailed the information and uploaded it. This is still showing on my credit and I was informed that my credit will be updated in XXXX hours. XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I spoke with a man on XX/XX/2018 and asked him about this account, I told him I had no idea the account was in collections. He told me, they had the incorrect address and telephone number listed for me. I told him the telephone number has been the same for the last two years and I did not receive one phone call from the school or collection agency at all. I was told the account had been in their office since XX/XX/2018, and the only reason I knew about the account is because I went online to continue my classes and was directed to call the collection agency. I was shocked I had no notice prior to account being in collections nor after. I asked the representative if this account had been reported ( he told me No ) and did not tell me it will be reported in the future. I explained I needed to call back to speak wit my parents to try and borrow some money so this payment would not be a strain on me later. I called today once I make the payment on the account and told the representative ( lady ) that I was upset because the gentlemen did not disclose this account was due to be reported. I asked for the manger to pull the call and call back because I know calls should be recorded as well. I made the payment and told the representative a complaint will be filed because this is unfair practices. This should not be on my credit report, I did not have a chance to dispute it or make an arrangement prior to reporting this as well. I know collection agency did not make a fair attempt to contact me.
Complaint sub-issue: Privacy issues

I was a discover card member for over 20 years until my home was visited by four unidentified women threatening to force their way in, making threats they have me and my family social security number snd planned to end us. After discovering the identity of one party it was discovered her relative works at Discover bank based on her social media page. An inquiry was made to discover if my account had been accessed recently snd if they could investigate if it has been accessed digitally by employee XXXX XXXX XXXX previously known as XXXX XXXX. They gave me the run around telling me privacy is their priority and they cant help but no charges were made to my account. On XX/XX/XXXX I sent an email to XXXX XXXX XXXX Never read a response So I cancelled my card in XX/XX/XXXX. 
Yesterday XX/XX/XXXX I accessed my online credit report and noticed an inquiry made in XX/XX/XXXX by Discover. If my card was closed in XXXX how could they do an inquiry? 
I called Discover to pose that vary question and was hung up on So I wrote to the emails listed above and await a response
Complaint sub-issue: Reporting company used your report improperly

Negative accounts were furnished without my consent and in turn took my credit score down which is vital for me
Complaint sub-issue: Their investigation did not fix an error on your report

Found late payments reported on credit after comparing lates reported against the dates my account was in Forbearance during the times that late payments where reported. I previously contacted XXXX about this and they said that the account was being reported correctly.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Complaint sub-issue: Transaction was not authorized

on XXXX we formally with a fax provided by the company, and acknowledge by them.they continued to take money from my account amounting to over {$5000.00} .They were granting a refund, but at the end refused to return the money. tried on several ocassions to reach a supervisor.
Complaint sub-issue: Debt resulted from identity theft

I contacted AFNI in regards to this debt with XXXX XXXX XXXX that appeared on my credit report. At the time they state that this debt occurred I was only XXXX years old and have never had phone service with XXXX XXXX XXXX and someone must have used my information to establish service.
Complaint sub-issue: Information belongs to someone else

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.