Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( XXXX ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system. Pursuant to 15 USC 1681a ( d ) XXXX, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As defined by congress in 15 USC 1602 ( L ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.
Complaint sub-issue: Information belongs to someone else

Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Complaint sub-issue: Personal information incorrect

My Full First name is XXXX XXXXXXXX XXXX and my Last Name ' XXXX XXXX So my total Full name is " XXXX XXXX XXXX '' as per state government-issued ID. I have got my credit report from XXXX when I first looked at it showed me my name as 15 names. The same name is shown on the XXXX report in different ways wrongly. 


XXXX XXXX XXXX Name ID # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Name ID # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I wrote Equifax on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.
Complaint sub-issue: Frequent or repeated calls

The University XXXX XXXX sent my unpaid tuition charges to a debt collector ( XXXX XXXX XXXX ) after I dropped out but did n't tell me I had an unpaid balance that my loans did n't cover. When the collector contacted me, they demanded my personal information without telling me who they were and repeated to call me every day up to 4 times a day without telling me who they were, always on a different phone number. 

Finally I figured it out and set up an automated payment with them for a year but then I got laid off in XXXX XXXX so I called them to stop payments. They told me that I should call them back when I get back on my feet. They continued to call me every week, always a new person who would not identify themselves and demand my personal information. I repeatedly told them I am laid off and looking for work and they told me to call them when I found a job. 

XXXX months later, they still call me at least once a day, sometimes XXXX times, every day. They wo n't stop no matter how many times I tell them to stop.
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 sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I called Equifax to get the results for a dispute that I submitted. I was told that they could no give the information, that I had to send information to verify my identity. 
I asked if there is a problem with my report ( my credit card have been updated since XX/XX/XXXX ). Once again I would have to send information to verify my identity. 
On XX/XX/XXXX I sent my personal the documentation they requested, I asked them to send me copy of my report ( yearly free report ) with the information with my dispute. 
On XXXX XXXX I received the disputes but no credit report. 
On XXXX XXXX I called Equifax, they stated that I have to send information to verify my identity ( I have already sent information to verify my identity ). I asked again if there is a report with my report but I was given no results about the report.
Complaint sub-issue: Reporting company used your report improperly

1. In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX Account # 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 2. In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX, Account # XXXX, 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. Also, I have paid this charge off in full therefore it should be removed from my account, 3. In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # XXXX, XXXX5 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. Also, I have paid this charge off in full therefore it should be removed from my account, 4. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, 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. Also, I have paid this charge off in full therefore it should be removed from my account. 

5. In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, 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: Attempted to collect wrong amount

A company by the name of Afni is reporting a collection. That is not correct or mine it started off a XXXX then XXXX XXXX  the. afni. XXXX deleted XXXX  from my report because of reporting incorrect information not Afni is reporting that same account. But to XXXX it is appearing to be a new collection. Item and this keep happening after a few month this company will sell the debt to another company. And this process wholl continue
Complaint sub-issue: Problem using a debit or ATM card

I contacted my bank, Midfirst Bank, on the evening of XX/XX/2019 informing of fraudulent transactions processed on my checking account. At the time I was only aware of 3 separate transactions of {$17.00} each processed on the same day. I filled out a dispute form explaining these charges were fraudulent and was given a new debit card. I informed the banker I have a XXXX account, however, I use my Midfirst Credit Card to pay my monthly fees. The dispute department researched and declined my fraud claim because they said there was a pattern of charges. I called the area manager furious about this decision. She explained to me that there were separate charges for different amounts going back to XX/XX/2019. She assured me that I could fill out another dispute form and she would forward them to the appropriate department for review. Within a week or so of the newly resubmitted forms I received some letters stating they found fault with the transactions from XXXX, XXXX, and XXXX. However, they stated they would not refund the transactions from XXXX and XXXX. In other words, even though the debit card was compromised they refunded some of the XXXX charges, however, refused to credit back the 6 charges totalling {$100.00}. Some of these charges have alleged signatures and some are labeled as XXXX. I spoke with the area manager a few days ago, actually going into the bank stating that I would like to resubmit a form for fraud on the remaining 6 transactions. She stated, " I wouldn't worry about submitting the forms again, they'll just get rejected again. '' Is that how a banking manager should act toward a customer? Taking away my right to dispute fraudulent transactions. I wanted a copy of my signature, and proof that I authorized those transactions. Proof they could not provide. I attempted numerous times speaking with the area manager and someone who is above her. As a longtime customer of Midfirst this situation is extremely frustrating. All they had to do is make the situation right, it's just that simple.
Complaint sub-issue: Billing problem

First all I will admit Ive struggled with paying on time. Now that I have a financial coach I am working towards paying on time. On XXXX i logged into my account with Flagship Credit Acceptance to see the exact amount of late fees I owed ( {$57.00} ) therefore owing a total amount of {$320.00}. I then called customer service at XXXX ( XXXX ) XXXX the rep I spoke with I told him I wished to pay my entire balance. I then gave him permission to use the bank info on file. On XXXX I logged back into my account only to find out my regular monthly payment posted and not the late fees payments. I reached back out to two different customer reps only to be told theyre holding the funds I paid to clear up late fee until i make my next payment on timewhich is on the XXXX of XXXX. I told them there is no way they can hold my money and I will be filing a complaint. This can of practice is very shading ; with that balance still on my account they are collecting some interest from it. Im sure this is being done to many others.
Complaint sub-issue: Their investigation did not fix an error on your report

I did not authorize the following inquiries. PLEASE DELETE. 
XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX I have filed several complaints with Equifax, FTC and CFPB. These should NOT be on my credit report. DELETE all three inquiries, please.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair credit reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, has violated my right 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: Account status incorrect

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from XXXX for XXXX XXXX , both in the amount of {$380.00}. The account status says past due and it should not say that as this debt is not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release my signature as the item being reported to XXXX by XXXX is a VIOLATION of the HIPAA Act of XXXX. 

XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by Quest providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX as well as XXXX XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX, XXXX XXXX, and all 3 credit bureaus : XXXX, Equifax and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from XXXX expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX Balance XXXX {$19000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$990.00}
Complaint sub-issue: Personal information incorrect

I try to submit a " dispute '' for their ( Equifax ) listing of a wrong previous address ( XXXX XXXX XXXX ) which I have never lived seen or touched!!, but every time i try XXXX, NY ) to submit the dispute after entering all the initial information XXXX ) they require as Step 1 of 5, they kick you out with error message : " YOUR TIME HAS RUN OUT - PLEASE TRY AGAIN '' AND it does not matter how many times you try!! 4. There is also the problem that if you lookup XXXX & last 4 = XXXX you will find the are XXXX of us with the same last 4!!!
Complaint sub-issue: Deposits and withdrawals

can not connect my XXXX account with pnc bank checking account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX XXXX mistakenly refunded {$1000.00} to my closed US Bank credit card ending in XXXX on XX/XX/XXXX XXXX This was a partial refund for our year insurance premium, the original bill was paid with my Wife 's XXXX XXXX XXXX returned the XXXX to the wrong card on file ( US Bank card XXXX ).. I contacted Us Bank on XX/XX/XXXX in regards to this issue, they stated they had kicked back the {$1000.00} to XXXX the same day on XX/XX/XXXX XXXX. Us Bank would not supply me with proof in writing that they had refunded the money directly to XXXX I continued to call US for written proof for almost two weeks since XXXX has no record of refund.. Finally on XX/XX/2022 Us Bank say they have had the funds all along and they're just sitting on my closed account.. They refuse to issue a refund to XXXX or mail me a check so I can settle up with XXXX XXXX This matter has been sent to collections by XXXX and needs to be remedied sooner than later.. US Bank Refuses to commit to when a refund will be issued and just says call back next week for an update .... How can a bank just sit on funds for over 6 months??
Complaint sub-issue: Indicated committed crime not paying

Called and left a message saying that " serious allegations '' were being filed against me in XXXX XXXX in which I used to live. They continue to leave harrassing messages using different numbers frequently.
Complaint sub-issue: Information is not mine

This is a complaint against Factual Data, to request removal of my XXXX credit report dated XXXX/XXXX/2015 and XXXX/XXXX/2015. This inquiry to my credit was not authorized by me, has been without my authorization, I do not have any product or relationship with you, no Loans product, therefore I make this request to immediately remove this inquiries that appears in my report and that affects my score negatively, and request adhere to the laws of fair credit and stir to eliminate an error that is not mine and never authorized, I appreciate your prompt help to my request
Complaint sub-issue: Indicated you were committing crime by not paying debt

This about Discover Card. 
After many months, I finally received the statements and now I see what happened on my transactions. 
I called them to make sure whether I understood correctly and how to pay. but they never call me back and just hang up the phone. 

**1. Discover wanted me to pay {$220.00} to settle and I think it is because it was XXXX and XXXX transactions. Is it correct? Then could you explain what was {$30.00} I paid for? because I am trying to calculate but did not work. 

**2. To settle the payment, where do I need to pay and how? I want the proof that I paid the amount also.

**3. Once I paid the debt, how long would it take to update my credit score?
Complaint sub-issue: Account status incorrect

Citi Card is reporting an account on my credit that is not mine. I recently checked my credit file and noticed that this account was reporting on there. I have been disputing this account with the bureaus and they keep verifying it? It says I am an authorized user but I never signed any paperwork or gave Citi Card permission to report on my credit. This account is not mine and I need to be removed as an authorized user.
Complaint sub-issue: Debt was discharged in bankruptcy

I received a bill from XXXX wireless I kept disputing but it comes back verified and updated.i kept disputing debt and never received verification that debt was mine.it has been sent to several collection agencies and keeps being updated. Recently debt has been updated to XXXX 2015 as a current debt.
Complaint sub-issue: Public record

XXXX first missed payment XX/XX/XXXX. Target gets judgement XX/XX/XXXX. 7 years credit reporting should end XX/XX/XXXX. Equifax says XX/XX/XXXX. Does a creditor get XXXX chances to report bad debt 7 years to the credit agencies? XXXX with the first missed payment and XXXX for a judgement for same debt., in my case 1 year later. Loophole : Creditor can report debt when first delinquent then wait till the last month of the 7 year period, obtain a judgement for same debt then get another 7 years of reporting for a total of 14 years of reporting to credit report agencies for XXXX debt. FDCA needs to be amended to reflect that the 7 years clock starts the first month of default, or no payment on the debt and that any subsequent judgement obtained by the creditor does not start a second 7 years debt reporting but fall under the 7 years that started the first month of default or non payment of the debt. The law needs to reflect that a judgement is just a part of the debt collection process and does not make an already reported bad debt as a new separate debt. By changing the law, creditors will have to obtain a judgement in a timely manner and close the loophole that allows them to wait as a strategy to report the debt for longer then 7 years. It will also prevent the creditor from having XXXX debt reporting clocks. The way the law is now creditor can report debt twice, the debt itself, and then the judgement giving XXXX, 7 years debt reporting clocks as if they were XXXX separate debts.
Complaint sub-issue: Information belongs to someone else

I have sent in several disputes, FTC 's letters. I have called many times to resolve these issues with the creditor and credit bureaus. I have been told that the supporting documents that I have sent in have been thrown out serval times. There have been re-investigations multiple times with no resolutions it has been well over 45 days I have also ask for verification of how they have validated these accounts and I have gotten no proof and no responses on how the credit reporting agencies have validated these fraudulent and inaccurate accounts at this point I have contacted my attorney XXXX XXXX as he will be representing me on my behalf due to the failure of the deletion and removal of these fraudulent and inaccurate accounts from my credit report as well as the credit reporting agencies absolutely disregarding the FCRA LAW AND CFPB LAW.
Complaint sub-issue: Debt was result of identity theft

I am disputing the following account with Discover Financial {$1000.00} and XXXX/XXXX {$380.00} as fraud. I did not authorize these companies to open any account in my name. I am a victim of identity theft. I am requesting these accounts that is reporting a balances to be removed from my credit report due to fraud. I am also disputing the following inquiries Discover Financial and XXXX/XXXX be removed as well for fraud.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove the unverified inquiries that reporting in my credit file. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any information/accounts/inquiries not later than 4 business days.Please find the required documents to assist in the blocking of these unverified inquiries which is being posted to my report. Here are the list of inquiries that I want to remove : 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 XXXXXX/XX/XXXX ;