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

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I purchased this gift card at the XXXX store sometime ago. I do have an Activation Status Receipt from the store but dies not show the date of the transaction. 

I gave this card to a family member but when she wanted to use it at the store, it was declined. So when I checked the balance, it says it has a XXXX  balance. I called the number on the card, but they said I should check with store I purchased from. I, then, checked with the XXXX, they couldnt trace the record. 

Please investigate the situation for me, it will be greatly appreciated. Thank you! 


Please in
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/22 I realized my account at PNC bank was in a negative balance. I went to their branch in XXXX XXXX, to inquire what the problem was. There was maybe XXXX XXXX dollars taken out my account from places I never been to. XXXX eats deliveries and rides to places I don't go to. I complain to the bank they gave me credit but soon took the credits back. I went to the XXXX Police office to file a police report ( case number XXXX ). Bank statement along with the police report were submitted to PNC. which denied my complaint and refused to give me my money back. I contacted your office and submitted bank statements to confirm my complaint. It appears someone was able to get the numbers off of my atm card and order food and rides without my permission. There are over 80 fraudulent charges filed and PNC refuses to give me my money back. It has left me with several negative consequences and hardship. My bank statements have been submitted to your office along with the XXXX XXXX. police department report. My complaint # is XXXX with your bureau. I am hoping your office can help to resolve these matters and get me my money back. This is a easy fine XXXX eats pick up someone with address and delivered food to a address that is not mine. Whoever did this should not be able to get away with fraud and theft.
Complaint sub-issue: Personal information incorrect

I logged into my account with Equifax. I see XXXX different inaccurate addresses on file. I also see incorrect names for me. I was on hold, and no one ever came to the phone. I attempted to submit my utility bill but the online system would not let me upload it. This needs to be correct immediately. Many people have sued the credit bureaus for keeping inaccurate information on their report. This needs to be corrected and updated immediately, as it can, does affect the credit scores inaccurately!
Complaint sub-issue: Information belongs to someone else

I have been trying to contact these companies about the fraudulent activity that keeps being reported on my credit report. I have sent numerous validation request demanding a contract with my signature stating that I agreed to do business with these companies, and have yet to hear from anyone. As I am fully aware of my rights under the FCRA section 609, I demand an immediate removal of these fraudulent items from my credit report. I have sent letters via mail on XX/XX/2020 and XX/XX/XXXX XXXX please help me to contact these companies of this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

Letter sent to Equifax on XX/XX/2021 in regards to a collections account that was reported on credit file. This was removed in XX/XX/2021 and re reported on XX/XX/2021. This is incorrect information as the collection agency XXXX sent a letter that it has closed and requested it be deleted from Credit Agencies. Equifax is in violation of FCRA. Subject to XXXX USD fine. This item was reinserted on my credit In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Dear sirs, I purchased my vehicle from Carvana around XXXX/XXXX/XXXX, Ive not received my tags and registration to the vehicle by XXXX/XXXX/XXXX and contacted the office being my temporary tags were due to expire XXXX/XXXX/XXXX. 
The rep advised I should be receiving my tags by mail any day. By the time XXXX/XXXX/XXXX came, my temp tags are expired. I contacted carvana again and was advised by rep XXXX they should have come XXXX XXXXnd the rep will follow up with the department that handles the tags and contact me back. 
I received a voicemail on XXXX/XXXX/XXXX stating my tags were mailed out on XXXX/XXXX/XXXX and I should have received them by now., if not Im to file a police report and contact local DMV for replacement. 
I contacted the office back and talk to XXXX the operations XXXX, she informed they were indeed mailed out on XXXX/XXXX/XXXX, NOT XXXX and the next steps was to file a police report for lost or stolen tags, and contact XXXX, however, I have called numerous occasion, even prior to my temporary tags being expired and was NEVER informed this needed to take place, I was also informed they should be recieved by XXXX by another rep now Im being told something conflicting by the XXXX. 
I work 10/11 hour days and dont have the time to go to multiple entities to obtain my tags to a vehicle when Im under the impression the Car Dealership has processed. This experience has been extremely frustrating, not to mention I 'm at risk of receiving a ticket based on my expired tags. I have not come to any resolution with Carvana, I do n't even know if they processed the tags and registration.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax did not update the Status field. The accounts are paid as agreed under the new contract but in Equifax the status field is still showing as " Charge Off '' and " Collection Account ''. These accounts were paid as agreed, under a new payment plan/contract. When Equifax shows " Charge Off '' on the status field it gives the illusion that these accounts were not paid when in fact they have been paid. Therefore the status field is a false statement as it is not the current status of the loan. If the company was paid as agreed on the secondary contract, then the Status field should reflect that. This is how the other reporting agencies handle these type of cases. Again, it is a new contract and it is ok to show under additional field section the original contract information which is " paid for less than full amount ''. However the current status of the loan should be what is reflected under the status field which is " paid as agreed '' under the new contract. 

Equifax only added an additional comment on the file which is pretty much useless because additional information is not showing the actual/true status of the loan.
Complaint sub-issue: Account information incorrect

I XXXX XXXX XXXX disputing the validity of this debt with XXXX XXXX XXXX XXXX, they have CHARGED OFF the account and since this is a charge off and a charge means you are no longer attempting to collect, I can't pay or validate something if you're not attempting to collect. They are also in violation of the following laws listed below ; FCRA VIOLATION 15 USC 1681a ( 4 ) - respect to the consumers right to privacy.

FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter i XXXX XXXX am the consumer ( individual ) and XXXX XXXX XXXX XXXX is the person ( corporation ).
Complaint sub-issue: Account status incorrect

In the beginning of COVID ( XX/XX/2020 ) I was told that all of my student loans would be put into a COVID relief program, like many other companies I was told no payments needed to be made for 6 months. Then in XX/XX/2020 I received a FICO credit alert that my score had dropped due to being 90 days past due. I called Nelnet and was told there was an error and " somehow a few of my loans weren't put in the COVID program ''. Their error resulted in this delinquency reporting to my credit. When I asked her to correct it I was told she could add the other loans to the program but she could not fix the credit reporting.
Complaint sub-issue: Don't agree with the fees charged

On XX/XX/XXXX XXXX added {$5600.00} to my bill as a capitalized interest charge. On XX/XX/XXXX another {$500.00} was added for capitalized interest. I received no notification when these charges were added to my bill and only discovered them both in XX/XX/XXXX. I reviewed the reasons why capital interest may be charged and realized that none of them applied to me. I called to ask why I was charged a total of {$6100.00} and was told that it was because they did not receive my repayment plan recertification in time. I told them that I did recertify on time and even got correspondence from them telling me that they received my recertification form within the time frame allotted. I was then told that my initial request was incomplete because their link to the IRS was down ; this prevented them from reviewing my income verification. I am not at fault for a link being down. I should not be charged over {$6000.00} dollars for their technical difficulty. 
Every time I call I get misinformation. On XX/XX/XXXX I asked XXXX ( employee ID # XXXX ) to dispute the charge. I have not received any information from that request. 

On a separate issue, I qualify for PSLF as a XXXX XXXX employee and have been submitting requests for over a year to have my qualifying payments updated. I have never received feedback from any of the requests. Every time I call about this I am told that they will submit a new request and to wait 30 to 90 days to receive feedback. I am repeatedly told that delay must be because XXXX is still waiting for information from my previous lender, XXXX, to add my qualifying payments. I have been working as a civil service employee for 6 years. 

The misinformation is a HUGE issue. Please train call center staff to simply respond " I do n't know, let me find out for you/transfer you to someone who can give you that information '' rather than just making something up. 
For example, I was recently told, when asking for a breakdown of 1 of 2 consolidated loans I have with them, that the loan was not the consolidated loan that I thought it was, and that it had only recently been disbursed to the school I am currently attending. Fortunately, I have experienced a plethora of misinformation from XXXX representatives so I knew to ask to be transferred to a supervisor instead panicking and calling my school to find out where this large sum of money went.
Complaint sub-issue: Other problem getting your report or credit score

I recently spoke to a live person a Equifax and nobody is able to get my credit file or credit report. Every time I try the Equifax website I get a message saying we are unable to get your credit file, report and score.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX,2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Account information incorrect

I have tried to submit numerous disputes with XXXX XXXX company in regards to the misinformation on my credit report. There is several things reporting inaccurately. I can provide documentation, I have asked for this account to be DELETE immediately.
Complaint sub-issue: Problem with personal statement of dispute

I have made 4 attempts to dispute items on my credit report with XXXX and Equifax and they are sending me letters refusing to investigate my disputes.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$360000.00}.
Complaint sub-issue: Problem with personal statement of dispute

I am writing this due to the fact that XXXX, Equifax, XXXX  have reported I have an outstanding debt with. They have failed to uphold the law. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts listed in the credit report. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.
Complaint sub-issue: Information belongs to someone else

I have attempted to dispute the accounts and information that are listed below with all 3 credit agencies. These accounts do not belong to me and they were open as a result of identity theft : - XXXX  - XXXX  XXXX   - XXXX - XXXX  XXXX  - XXXX XXXX - XXXX XXXX - XXXX  XXXX  Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX Incorrect Names : XXXX XXXX
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

On or about XX/XX/XXXX, we applied for an RV loan thru Essex Credit which is a division of Bank of the West. This same month, we submitted all paperwork necessary to secure the loan. There has been excessive lack of communication from Essex which prolonged the loan process, such as no address provided for submitting down payment, safety inspection, title etc. Miscommunication between Essex and previous bank regarding the RV title. Finally mid XXXX we were granted access to pick up the RV and take home. Payments to the RV loan started XX/XX/XXXX and we have continued to pay monthly. Included in the down payment were taxes, Title fees and license fees. 
Multiple calls have been made to Essex about the status of the title transaction since XX/XX/XXXX. We have continuously been told the process was in progress and within 30 days we should hear something. Various times, we have made contact w/ supervisors about the title status, they mentioned that they would escalate to the proper person and they would return the call. We have only received one call from Essex XXXXand that was to inform us that we were approved for the loan. We have never received a returned call by phone or email when there was mention of getting back to us. 
On XX/XX/XXXX, I sent a complaint letter in writing to the CEO of Bank of the West in XXXX XXXX, 10 days later we receive a letter informing us they are sorry and will be in contact, Again, no contact by phone or email. 
On XX/XX/XXXX escalation supervisor filed a full complaint of all events which was to lead to a full research and provided a complaint number/chart number and were told we would received a call of the status, as of this date, no response yet. 
More phone calls have been made to Essex and still no progress on the title. According to Essex, the RV title is to go to Bank of the West and from there to Tx XXXX. The title is still in the hands of Essex. 
XX/XX/XXXX, 2nd written letter sent to Bank of the West CEO, again a response by letter was received saying they are sorry and will be looking into it. No response. 
XX/XX/XXXX, phone call to customer service as usual, we were told the title was sent to Bank of the West on XX/XX/XXXX and once they receive the title, B of W will send to Tx XXXX for processing. 
XX/XX/XXXX, phone call to follow up on title progress w/ Essex XXXX Spoke w/ supervisor because now we are told that there is a late fee and because of this there is a delay. Again, now according to supervisor, it will be escalated to titling for follow up. 
According to our records and statements, we have not been notified of any late fees through billing, phone call or email. We asked reason for late fees and we were told because we have been out for 2 months, which is not true. 
We have been communicating with Essex thru either email and phone calls since XXXX XXXX and still no sign of progress with the title situation. 
Please help.
Complaint sub-issue: Information is missing that should be on the report

I just got off the phone with a XXXX representative and she said that they are accurately reporting the payment history on my credit reports, but when I check on Equifax, XXXX, and XXXX they all show incomplete payment history. They all show payment history from XX/XX/XXXX to XX/XX/XXXX even though some loans have been opened since XXXX. This is a huge mistake and it is hurting my ability to seek credit since it minimizes my actual length of credit.
Complaint sub-issue: Debt is not mine

I worked at XXXX XXXX cable and received free cable while I was employed. When I resigned I cancelled service and moved ( XX/XX/XXXX ) yet XXXX XXXX kept billing me ( until XX/XX/XXXX ) at an old address. XXXX XXXX has now opened a debt of {$540.00} in my name with a XXXX aprty collection company XXXX ( Open date : XXXX XXXX ) which just showed up on my credit report. I have asked both XXXX and XXXX XXXX XXXX. I never recieved any notice of this debt until it showed on my credit report on XXXX XXXX. I have called each company numerous times and they will not return my phone calls.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  RE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Problem during payment process

Every month during 2018, the credit card company locked me out of my account with unfair practices, such as burdensome password requirements and phony security questions that I could not have answered incorrectly.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have/are violating my rights on numerous times continuously. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did NOT give Equifax written permission to furnish these accounts : ACCOUNTS : ACCOUNT XXXX XXXX ( XXXX XXXX  ) Account Number : # # # # # XXXX ACCOUNT XXXX XXXX ( XXXXXXXX XXXX  ) Account Number : # # # # # XXXX ACCOUNT XXXX XXXX ( XXXX XXXX ) Account Number : # # # # # XXXX ACCOUNT XXXX XXXX ( XXXXXXXX XXXX ) Account Number : # # # # # XXXX
Complaint sub-issue: Application denied

To whom it may concern, I applied for a platinum US Bank credit card, they asked for further information which I send them through fax. My driver 's license, my social security card, XXXX banks statements from XXXX different bank account. Thry said that they still couldn't verify me. Called them and they didn't provide me with any information why I couldn't get verified. Since I have send in all this sensitive information and they can't verify me I don't want to have a credit inquiry on my credit report. They will either have to provide me with this information or I have to file a police report. Please advise. Thank you in advance.
Complaint sub-issue: Account information incorrect

Equifax has reported inaccurate information on my credit report from XXXX XXXX. It clearly has No Information or Closed Date. Only has Miscellaneous Reporting Agencies and there need to be removed immediately. Under fcra must report accurate information, Equifax has not submitted accurate information.
Complaint sub-issue: Information is not mine

These accounts below is not mines. This account was used after I opened it without my knowledge. Both accounts have been re-added to my report after being deleted. 

XXXX XXXX Credit Card XX/XX/XXXX Closed 2 Missed Payments {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Closed 1 Missed Payment {$1000.00}
Complaint sub-issue: Debt is not yours

I have disputed this debt with multiple collection agencies. As soon as it is disputed and removed. It is then sold to a different company then the whole process starts all over again. I have disputed this debt with this current company, ERC, and informed them that I do not owe this debt. I have never been associated with the company that this debt has been purchased from. But this seems to fall into deaf hears. This XXXX dollars debt has been following me for the last four years and being sold to multiple collection agencies. My credit score takes a huge drop every time this shows up on my reports.

Please help me get rid of this issue and hope I do n't have to deal with this again.

Thank you