Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Equifax has managed to have over 143 million accounts compromised. According to their security site, I was affected. Why exactly do I need to jump through hoops to have my credit monitored when they could n't securely do the one job they exist for?
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX Balance {$81.00}
Complaint sub-issue: Information belongs to someone else

not mine : FCRA violations see attachments for proof XXXX XXXX XXXX, MT, XXXX XXXX XXXX XXXX XXXX, NM, XXXX XXXX XXXX XXXX, CO, XXXX XXXX XXXX XXXX XXXX, MT, XXXX XXXX XXXX XXXX XXXX, NM, XXXX XXXX XXXX XXXX XXXX XXXX, NM, XXXX XXXX XXXX XXXX, TX, XXXX
Complaint sub-issue: Problem getting your free annual credit report

When I entered all the information needed to complete application, I do n't see anything. No credit report was given. Same problem with other credit bureaus. How am I to read my credit info once a year when nothing is provided. Do you not show the results online? Does it only get processed through the mail?
Complaint sub-issue: Non-sufficient funds and associated fees

Despite paying $ XXXX in settlement regarding this issue a few years ago, USBank continues to improperly, if not illegally, re-sequence items ( i.e., checks, auto-drafts, debit card transactions, etc. ) from largest to smallest to maximize overdraft fees. 

On several occasions over the past few months, I have checked my account online at close of business to verify that I had funds available. However, by re-sequencing items overnight, the bank charges of {$36.00} per item resulted in items being returned instead of paid. The total damage just in the past several weeks has been hundreds of dollars. 

This damage is exacerbated by the recent, ongoing COVID-19 crisis and my complete loss of income for the foreseeable future.
Complaint sub-issue: Was not notified of investigation status or results

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Complaint sub-issue: Information is missing that should be on the report

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX  XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX ( Original Creditor : XXXX  XXXX   XXXX XXXX  XXXX ) XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX   XXXX | XXXXN/AInaccurate XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX XXXX XXXX  | XXXXN/AInaccurate XXXX  XXXX XXXX  | XXXXN/AInaccurate XXXX  XXXX XXXX  | XXXXN/AInaccurate XXXX   | XXXXN/AInaccurate XXXX  XXXX  | XXXXN/AInaccurate XXXX   XXXX  XXXX XXXX | XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX XXXX  | XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX-XXXX  | XXXXN/AInaccurate XXXX | XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX | XXXXN/AInaccurate XXXX XXXX | XXXXN/AInaccurate Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 

XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation.
Complaint sub-issue: Account information incorrect

1. I do not recognize the following hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. My credit limit of {$20000.00} with the following creditor is not reported ( it's a Personal Unsecured Line of Credit ) : XXXX XXXX XXXX Account Number XXXX Balance {$0.00} Date Opened XX/XX/XXXX 3. This name associated with my account is wrong : XXXX XXXX Name ID # XXXX
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Complaint sub-issue: Personal information incorrect

I am no longer associated with these addresses or have I ever been associated with these addresses. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION Acct # XXXX, Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instruction.
Complaint sub-issue: Account status incorrect

May I ask why this account from XXXX XXXX is being reported on 2 CRA 's? 

XXXX last received payment, also see attached report, on XX/XX/XXXX. The account is not negative and is current. In your comment you state was closed by Credit Grantor? So I just dont see why you would want to keep reporting. 

Then for some odd reason, after 7 years mind you, I was making good payments again sometime in XXXX. That's amazing! 

XXXX account Account # : XXXX Equifax account # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX and Equifax allowed a company by the name of XXXX to report false information on my account. The company XXXX also did not follow FCRA guidelines. 

The creditor failed to notify me when it supplied negative credit information to a CRA The creditor failed to notify me of my right to dispute inaccurate credit information The creditor failed to submit corrected information to the CRA subsequent to investigating your dispute None of the CRA conducted a conduct a reasonable investigation of my dispute. I would like documentation of verification that you received from XXXX that the account is accurate and that I was appropriately notified prior to the company reporting this on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Complaint sub-issue: Billing problem

We bought our XXXX XXXX XXXX XXXX in XXXX and purchased the vehicle through a loan with PNC Bank. We immediately filled out the automatic payment withdrawal form so that the monthly payments would be withdrawn automatically from our bank account. We continued to make this monthly payment for the reminder of the loan up until XX/XX/XXXX. When unknown to us, PNC did not automatically withdraw the last car payment in the amount of {$500.00}. We counted on their automatic system of payment to withdraw all the payments until the total repayment of the loan. We have recently learned that our credit score has been dramatically impacted due to this situation. PNC Bank did not protect our credit score. We went back to look at the final statements and notice that there was hardly any change from the second to last payment to the last one which is why it was nearly impossible to know that we had to make the final payment in person as opposed to all the other XXXX payments. Despite never missing a payment, this has now put us at a financial disadvantage to remain credit worthy. After learning of this we immediately made the final payment on XX/XX/XXXX, and now owe no more payments but out credit score has taken a dramatic hit. I think this is truly unfair. There should be bigger fonts and notice that the last payment needs to be made by the person as opposed to all other payments. All the bill stated was " Final Payment. Congratulations! This is your final auto loan payment. Your title will be transferred to you once your final payment processes. '' Any normal person sees this bill and entrust that the final payment will simply be withdrawn like all other payments within the lifespan on the loan.
Complaint sub-issue: Their investigation did not fix an error on your report

LETTER OF DISPUTE AND AFFIDAVIT ATTACHED PLEASE SEE BELOW EQUIFAX HAS REFUSED TO COMPLY TO MY DEMANDS EVEN WITH MY WRITTEN DEMANDS AT HAND. I HAVE ALSO PROVIDED EVIDENCE OF THE OTHER AGENCIES REMOVING THE SAME INFORMATIONS THAT EQUIFAX HAS REFUSED TO REMOVE FROM MY CONSUMER REPORT. PLEASE SEE BELOW.
Complaint sub-issue: Account information incorrect

The mortgage account with 21st Mortgage was PAID IN FULL on XX/XX/2022. XXXX and/or 21st Mortgage continue to report FRAUDULENT information. 21st Mortgage continues to report an open account with a $ XXXX balance and 90 days late. XXXX REFUSES to confirm the correct information. XXXX has gathered the current information and updated its records accordingly. PLEASE ENSURE THAT XXXX and 21ST MORTGAGE do the same!!! XXXX is behaving negligently in that they are not confirming correct updated information. A copy of the PAID IN FULL document received from 21st Mortgage has previously been provided.
Complaint sub-issue: Their investigation did not fix an error on your report

I have two names : XXXX XXXX XXXX on one social security number. I complain to the CFPB last year : XXXX { XXXX } I was told by the FTC to explain this to Citibank with documents to prove this federal offense against me. 

The city of XXXX has caused this federal offense also XXXX  data breach has ruin my credit worthiness. 

I've never own a credit card & has been taking out of the work force, college in XXXX XXXX 2011. 

Citibank denied me two without verify of my identification theft, disgrace.
Complaint sub-issue: Debt was paid

This is a complaint from XXXX XXXX ( consumer ) against Great Lakes for XXXX XXXX failure to provide requested information for the debt. On XXXX XXXX, XXXX, consumer ( through legal counsel ) responded with a written request for documentation, as this debt was included in a consolidation by XXXX. 

It has been nearly a month and a half since this request, and we have received no response. In addition, Great Lakes has began attempting to collect this debt via a third party debt collector since the date of the letter. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Complaint sub-issue: Used obscene, profane, or other abusive language

XXXX child support. They threatened to have me arrested. They do not identify as a debt collector. They collect on debts that they do not own .... ie a debt collector. The person they collect for has to pay them an annual fee to maintenance the account. In none of the correspondence sent from the company has any mention of them being a debt collector. They violate all kinds of laws regarding debt collection. They stole my stimulus check. This company is a bad actor and needs to be shut down.
Complaint sub-issue: Problem using a debit or ATM card

I have banked with PNC for 2 years now, I don't really dispute anything unless I have too. Despite me being with PNC which I could have easily chose to do business with another bank but today is the last straw. I have maybe disputed 6 charges total out of my entire time with this bank and closed out 2 and it has been a terrible experience. I'm guessing the only time you are entitled to your money back if 1. unauthorized charges. or 2. didn't receive your merchandise and that's sad. clearly unsatisfied quality of merchandise don't count as a reason to dispute anything this bank has changed so much i should've closed my account a year ago when my account wasn't even secure when someone hacked into my bank account and stole my money and it took them 3 weeks to give me my money back after filing a complaint. and i'm just tired of it i will be no longer doing business with this bank. last but not least, they're customer service team have you waiting hours before someone answers the phone, and even hang up on you like a representative did me today on XX/XX/2021 from an PNC EXECUTIVE OFFICE and refused to answer the phone when i vented my frustration what is the point of banking with a bank that doesn't have your very best interest. it's ridiculous she hung up. I will also let everyone know about this bank so they can choose another bank..
Complaint sub-issue: Information belongs to someone else

I disputed this on XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ND XXXX and I have not heard from them either. They didn't send me any validation. I don't remember getting their credit card. I never seen them before.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX, XXXX ( XXXX ) is not licensed to debt collect in Pennsylvania. I have sent them sever CnD 's however the are still furnishing innaccurate informtion on my report. No such records with my signature have been provided. These accounts were opened fraudelenly and your reporting of this information is fraudulent as well. I was never contacted. Pleae provide proof other than words of how nd when I was contacted, I have disputed this several times. There is no contract between me and XXXX I am going to file an ftc report and contact my lawyers immeditely.
Complaint sub-issue: Account information incorrect

BRAND SOURCE CITI - Incorrect balance/never updated.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
Complaint sub-issue: Account information incorrect

This creditor ( XXXX XXXX ) keeps changing the status on this account. They are reporting false and inaccurate information. When Equifax researched this account, it was updated for less than a week, and then went back to having multiple inaccuracies. The creditor blames and says it is Equifax 's fault for the inaccurate reporting and Equifax tells me to talk to the creditor. This is extremely frustrating at the very least. The account itself is a total contradiction with many inconsistencies. This account has never been late, has always been paid as agreed, ( even reflects in account info/payment history ) yet they are reporting a past due amount. This account has been paid and should reflect a paid balance, yet it is still reporting a balance. This account has long been closed yet still appears as open. None of this makes any sense, yet this account keeps reporting as such. It is in complete violation to report and verify false and inaccurate information. I have been denied recent credit because of these erroneous items that appears on my credit report. I have attached proof of this claim. I request that Equifax delete this account from my credit report. This account is completely inaccurate and does not reflect my credit history or my credit worthiness. No one should have to go through this. Please delete this account/tradeline from my credit report. I have attached previous disputes and complaints that were resolved through CFPB. Thank you.
Complaint sub-issue: Problem with personal statement of dispute

In XX/XX/2018 I sent letters to XXXX, XXXX, XXXX and Lexis Nexis asking for proper verification of a two bankruptcies that on my credit reports. None these companies were unable to provide direct verification from the bankruptcy court of XXXX Ohio. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. In fact XXXX  states on it dispute reports that they use LexisNexis which is a third party to verify this information. Outside of getting dispute results reports back none of these companies have sent me how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information.
Complaint sub-issue: Attempted to collect wrong amount

I try to disputed many times with debt collector why the original amount increase every month, they said the amount is correct.
Complaint sub-issue: Reporting company used your report improperly

The first round of letters I wrote to all 3 credit bureaus XXXX, XXXX, and Equifax on XX/XX/2021. Demanding that the things being reported on my credit report needed to be removed. I never gave them written consent to furnish anything on my report pursuant to 15 USC 1681b ( 2 ). No consent is identity theft! They only thing that I got from XXXX and Equifax was a credit report with nothing removed. XXXX never responded during the 30 days provided after the certified mail receipt.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Re ; case # XXXX with Citibank Visa. 
We planned a family trip with XXXX XXXX, booking # XXXX, # XXXX, # XXXX, scheduled to leave XXXX XXXX on XX/XX/2020. The total charges on Citibank Visa were {$10000.00}. The credits provided by Visa were {$1600.00} for taxes and fees. The cruise was cancelled mid-XXXX  due to the Coronavirus and we were offered a future cruise credit by XXXX. We had cancelled the cruise a few days before for the safety of our family, since ships were already being quarantined at sea and refused entry into some ports. In the meantime, XXXX  was stalling their cancellations and were still sending ships out to sea. My husband and I are XXXX years old, not in the best of health ( doctors letters have been provided advising against taking a cruise ), on a fixed income, and need the money. We need a refund and have no intention of taking a risky cruise in the future. We've since contacted numerous XXXX representatives through emails and letters and have been refused a refund. Since we were getting nowhere with XXXX we contacted Citibank Visa. They also turned their backs on us since " the loss claimed is covered by another provider ''. We have been loyal customers of Citibank for over 40 years and have excellent credit. We are not eligible for a refund since XXXX has provided us with a future credit. Besides being dangerous to our health, cruise ships will not be providing what was previously paid for by their travelers. There will be fewer amenities, dining experiences will be diminished and some excursions will be eliminated. There will also be many protocols that must be followed for the safety of the passengers. We will not be getting what we originally planned and paid for months ago.