Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting your free annual credit report

Given the recent news about Equifax having been hacked of millions of personal identity files for many or not all citizens and residents in this country, I contacted the XXXX XXXX XXXX website to review my credit reports. With XXXX the process went through quite easily. For Equifax and XXXX, after answering their specific security questions successfully, the message received was that each could not provide access to my credit report online. For Equifax one was requested to print out a PDF form, fill it out, and then make photocopies of a series of personal identity documents with enlarging of some of these if the print was small. Then one was was supposed to mail this packet of highly sensitive personal identity documents to a postal address in XXXX. For XXXX, there was the request fill out a form, but no visible link to such a form so that one could fill it out. Also, the report that a number of executives of Equifax selling their stock shares in that firm before the public was informed of the security breach is major strike against the these people and this firm. I know this nation is facing major issues on many fronts, but the credit reporting industry impacts essentially all American citizens and residents and now in a potentially very damaging manner. I recommend a Congressional investigation and the charging of the specific Federal agencies with oversight to seriously examine the capacity, competence, integrity, and key business models of the credit reporting industry. XXXX apparently does manage its business model in a competent manner. For Equifax and XXXX, one has to have questions about these key issues. Finally, there is also a fourth firm, XXXX, that one was recommended to contact in a XXXX XXXX XXXXXXXX article of Saturday, XXXX XXXX, 2017, Business Day, pp. B1, B5.
Complaint sub-issue: Problem with personal statement of dispute

My Ch XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and I'm not disputing. Just please asking for the information to be early exclusion.
Complaint sub-issue: Their investigation did not fix an error on your report

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX 6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX  11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

There is a comment on a car loan from 10 years ago stating : Consumer Dispute - Reinvestigation in Progress. I was due to close on a new home " mortgage '' and this comment has been removed from all credit reports including my spouses except for Equifax. This dispute started on XX/XX/19 and I have been trying to tell them that I was not disputing this account and the comment needed to be removed. Conversations have been going on with them for 3 weeks now and I have received 5 confirmations telling me the dispute is complete and has been resolved. Only to find that the comment still remains on my credit report. I am now 30 days past my closing date due to them not resolving this issue. I need to have this resolved immediately. Any assistance you can provide would be greatly appreciated.
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. 

XXXXXXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, - : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Didn't receive notice of right to dispute

I do not believe this is even a debt I incurred they tell me that the debt was made ( XXXX ) in 2013 but it just magically appeared on my credit report this past XXXX, I never received any letters, phone calls, or any correspondence whatsoever. I only recently discovered it because of a financial transaction that I am in talks to make. I called them 3 times and they were rude and uncooperative even when I told them I was willing to take care of this ( even though I do not agree with it, just to get it gone ) if they would remove it from my credit report and they told me NO in no uncertain terms each and every time I phoned even speaking with a supervisor. my financial advisor recommended that I reach out to you so that you may possibly get this right. again I reiterate I NEVER had a chance to even settle this because I never even knew it existed
Complaint sub-issue: Problem with personal statement of dispute

I reached out and that's when I found out it was a medical bill and that is when I submitted information that I receive XXXX XXXX. I submitted proof. I have been under XXXX XXXX  all my life. I don't know this company that is asking me for some monies. I keep disputing these actions and equifax is just asking them is the info correct. Noone is running the proof sent by me to see the corrections that should be made here. Equifax is poorly judging this dispute. This company reported the same amount after I disputed it the first time with a different date. This is not right. It's a lie.
Complaint sub-issue: Public record information inaccurate

I sent a dispute to LexisNexis and they never responded - this is a violation of the FCRA. It has been over 30 days and I have not heard anything from them. I need this incorrect information deleted for violation of the 30 day FCRA violation. THe credit companies claim they are the company providing the inaccurate information.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$1600.00}
Complaint sub-issue: Reporting company used your report improperly

During the covid-19 pandemic I called my credit card companies and were supposed to be given a 3 month period in which I didnt have to make a payment but, I was reported late to the 3 credit bureaus.
Complaint sub-issue: Sent card you never applied for

I received a debit XXXX cash app card in my name to my address. I did not open a cash app account. Someone did this with my information. Someone has my social security number. I called cash app on XXXX XXXX to report this. They sent me a link to send picture of card and wanted my name. They said they would close the account. I don't know if it is closed.
Complaint sub-issue: Problem with customer service

Been trying to pay my card but they will not let me change my phone number so I can pay it ... They do not have a physical place to go, cant help over phone or on the internet ... They say they sending a confirmation in the mail but dont ...
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Can't close your account

Today is XX/XX/XXXX @ XXXX CST 1. XX/XX/XXXX closed Citi account and received email to confirm account closure ( there was still a balance due ) - made the monthly payment XX/XX/XXXX {$140.00} - there was an increase to my bill immediately following the closure {$10.00} ) 2. XXXX made monthly payment made XX/XX/XXXX again increased payment from {$130.00} - paid {$140.00} 3. XX/XX/XXXX paid Citi card off in full {$4800.00} ( which was listed as the PIF amount due ) 4. XX/XX/XXXX Citi payment was posted to my debit card bank 5. XX/XX/XXXX at XXXX CST - Called Citi because they had charged additional interest to my account of {$16.00} since the paid in full payment on XX/XX/XXXX and - spoke to XXXX ( 2nd level management ) he waived the {$16.00} additional charge and stated a XXXX  balance email would be received that would arrive as soon as the payment was posted and state account closed. The excuse was the payment had posted at the time I made a payment leaving interest due - however their website stated this was the total amount due on the date of the payment! He allegedly removed any residual interest charges they added to the account. XXXX also said he would send an email generating a XXXX  balance by Tuesday as that is how long it would take Citi to clear his interest adjustment and generate an email to me with account closed and XXXX balance. To date ... nothing has arrived. 
6.XX/XX/XXXX - Logged into my Citi account it does show an adjustment of the interest subtracted for {$16.00} - BACK DATED to XX/XX/XXXX? 
Yes, he lied in the system because the adjustment took place on or after ( according to XXXX at least 48 hours to adjust ) the phone call stated # 5 above!!! 
7. XX/XX/XXXX - The " running balance " as of today is {$0.00}. However, no email has been received as promised regarding the account paid in full and XXXX balance. 

I am requesting : 1. all of my personal account information - phone, email and payment info be removed from this account 2. a letter emailed asap stating the account is closed and was paid in full on XX/XX/XXXX and a XXXX  balance. 
3. Payment and all PII information deleted and suspended immediately. There is not a way for me to delete the payment information from the account!!!! However, I can ADD another account! 

Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

According to 15 USC 1692, I do not owe any debt because I am the consumer and I'm not obligated to pay. I am the consumer, NO ONE CAN VALIDATE MY DEBT BUT ME. Ive disputed over and over that the debt is not mine. Ive asked for documentation! Nothing has been sent. I, now, demand you to remove ALL information pertaining to me. Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been. I DID NOT give you permission to report anything on me! Under the law, my federal consumer rights, I am instructing you right now according to 15 USC 1681 b-a-2 to remove all accounts according to my written instructions. Ive contacted you multiple times to dispute items that are not mine as my identity was stolen and you refused to remove. Remove all information in 4 business days according to 15 USC 1681c2! These are the laws! YOU WILL NOT XXXX ME WITH DEBT THAT IS NOT MINE!
Complaint sub-issue: Information belongs to someone else

Equifax is listing an item on my credit report that is approx. {$8000.00} that has been previously disputed as identity theft. I have sent several police reports to Equifax to prove that I am a victim of a wide range of identity theft but they refuse to remove the item by my verbal request and by reviewing the police reports I have sent in.
Complaint sub-issue: Deposits and withdrawals

Citibank froze my account that contained {$20000.00} at the time when I had to make a college tuition payment for my daughter for no reason. 

As a result, I was forced to make this payment and incur a {$490.00} processing fee from the college because it was paid with a credit card instead of a transfer from a checking account.
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/22 to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXXXXXX Balance : {$7000.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Letter of Complaint : Refuse to Validate Debt For over two years, I have been disputing this debt. Validation letters have been sent to Ive disputed the debt with XXXX, XXXX XXXX, Equifax, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I requested proof of validation. So far, none of the companies have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, Equifax or XXXX, no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with Equifax, XXXX  and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Complaint sub-issue: Account status incorrect

THE DISPUTED LATE PAYMENTS ON THE ACCOUNTS LISTED HAS BEEN REPORTING INACCURATELY, PLEASE MAKE THE CORRECT ADJUSTMENTS ON THE ACCOUNTS LISTED, FOR THEY HAVE BEEN CAUSING HARM TO MY REPORT.
Complaint sub-issue: Problem during payment process

I had a credit card with Best Buy. It was enrolled in automatic payments from my checking account. In XX/XX/2016 I went to the store and they said the account was closed because I did not pay my bill. I was surprised and tried to fix the situation with the creditor. They said that would open an investigation, and the next month they started again with the automatic payment. But, in my credit report is showing late payments, account closed by credit grantor and I am current paying this bill. Also, they never notified me that the payment did not go through.
Complaint sub-issue: Overdrafts and overdraft fees

I have come to the conclusion that KeyBank is openly committing accounting fraud. When I woke up at roughly XXXX XXXX on XX/XX/14, my account balance was positive. However, throughout the day it unfortunately became overdrawn. I deposited funds to get my account back in good standing. 

Despite this, and despite their entire ledger saying that I was never in the negative, I got charged an overdraft fee for some reason? 

And its not the first time I've seen this happen. I have plenty of evidence. 

Also someone drove their car through the XXXX branch. It has been months since it has been repaired. You guys don't. care about XXXX customers clearly.
Complaint sub-issue: Reporting company used your report improperly

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Complaint sub-issue: Information belongs to someone else

I have identified information on my report that re a result of identity theft these items are not related to any transactions completed by me. XXXX XXXX XXXXXXXX XXXX XXXX, Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXXXXXX XXXX these are the companies that are listed that are not associated with me. There are also addresses that do not belong to me- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I'm attaching ID doc, because Equifax has been known to stall stating they cant Identify you, yet they can add incorrect harmful information on your credit file. 

By law, they have XXXX days to correct this, not XXXX. 
15 USC 1681 ( C ) 2, related to blocking of information regarding identity theft. Fraud and related 18USC 1028, Consent to release 5USC 552 ( A ) ( B ).
Complaint sub-issue: Investigation took more than 30 days

In mid XXXX, we sent credit investigation requests to Equifax and XXXX. We have yet to receive the results of those investigations and it has been longer than 30 days.
Complaint sub-issue: Investigation took more than 30 days

XXXX, Equifax, and XXXX  didn't respond to the dispute letters I mailed off on XX/XX/2020. I also purchased the credit monitoring membership for XXXX and XXXX  and the the erroneous accounts state " IN DISPUTE ''. This has been the status of their investigation for over 3 months. This violates the Fair Credit Reporting Act as each bureau has only 30 days to complete the investigation.
Complaint sub-issue: Information belongs to someone else

The US Department of Education is reporting 2 accounts that they said were open in XXXX. I didn't open any accounts with the Department of Education on XXXX or went to any school or college in XXXX. I wrote the Department of Education on XX/XX/XXXX to delete the fraudulent accounts and I wrote the credit bureaus multiple times to investigate and delete the fraudulent accounts. To this day the accounts are still being reported on my credit and neither the department of education or any of the 3 major credit bureaus have produce any documents that verify the debt as mine. They haven't produce any documents at all.
Complaint sub-issue: Information is not mine

All the information in attached file, shown " Unknown ''. 
Creditor : Unknown Type : Collection Balance {$290.00} Payments : N/A, none or Not available If that collection is mine, I need to information to pay it.
Complaint sub-issue: Card was charged for something you did not purchase with the card

While traveling in XXXX for vacation, my Citi premier card got lost/stolen and was used to make purchases at different locations here in XXXX. I called Citibank customer service/ fraud department to immediately report the transactions as fraud but the answer I received was that I should wait until someone from Citibank could contact me. A week later nobody has contacted me and after several attempts to reach out a representative to ask for help the only answer I was given is that I need to wait up to 2 months for them to carry out an investigation. 

Now, the charges are posted to my account making my current balance increase, and they do not offer a temporary credit to remove these transactions from my total balance while they investigate these transactions. In the end, this is hurting my credit score since I am in the middle of a home refinancing process and my credit report will be pulled to be considered for this transaction. 

PLEASE HELP!!!