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

First off does the CFPB have any actual power because all I have done is fill these stupid reports out and get a nasty response from the credit reporting agencies and creditors directly. I want to know exactly what power the CFPB has because if I am spinning my wheels here wasting my time sending in complaint after complaint and all you people do is forward them to some not even middle management idiots. Your agency is an utter waste of taxpayer dollars and should be shut down ASAP. Having said that here it is one more XXXX  time.

I am including pdfs of everything for evidence because Equifax 's site is so screwed up it will not take uploads for documentation. I have asked the XXXX candidates to fix my report. Almost every account is reported 4 or 5 times. That is XXXX. Then you can't actually attach or upload anything because their site is XXXX UP. When you call into the " HELP CENTER '' they are about as helpful as XXXX on a bull. Off-shored and the English is barely understandable. Let 's see what the brain trust at CFPB can do this time around. I have asked EQUIFAX to update my XXXX bank account and of course, they claim to investigate which is XXXX. I fax them in documentation which they clearly use as toilet paper. So here is what I sent them, see if you can get these XXXX to fix the stupidity that is.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. and violation of 15 US Code 1692e ( 2 ) ( a ) - the character amount or legal status of any debt. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Deposits and withdrawals

I received a letter on XX/XX/2022 from my branch indicating that they were closing my account for irregular activity and that they would mail me a cashier 's check within 15 days. It's been a year of going back and forth with US Banks Branch, fraud department, and Risk Department and I've yet to receive my funds. They froze {$10000.00}.
Complaint sub-issue: Personal information incorrect

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date Updated : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Complaint sub-issue: Debt is not yours

XXXX  XXXX XXXX Opened by a spouse/partner-XXXX XXXX Unknowningly was added as an authorized user without my knowledge or consent. 
Last payment made-XXXX {$300.00} limit / high limit {$550.00} Date closed XXXX Account was closed by grantor Debt is appearing on my credit yet I had no knowledge or usage of said account. 

XXXX  XXXX  Opened by my ex spouse/partner XXXX XXXX - was added as co-signer/joint applicant Account opened- XX/XX/XXXX High balance- {$5100.00} Balance- {$750.00} Charged off XX/XX/XXXX Last payment madeXXXX Upon splitting up she stated she was keeping the furniture and would remove me from the account and keep paying the payments, however that did not happen. We split up XX/XX/XXXX XXXX - I C systems Collection Account opened-XX/XX/XXXX High balance- {$560.00} Amount due- {$560.00} Balance- {$560.00} This account was not authorized or opened by me, I have no knowledge of this account and do not acknowledge this debt held against me. 

*note* There are multiple of identical inquiries against my credit that were not initiated by me or on my behalf. Nor were these inquiries authorized. 
XXXX XXXX  bank- multiple repetitive inquiries, fraudulent credit attempts XXXX.XXXX fraudulent inquiry XXXX- fraudulent inquiry
Complaint sub-issue: Old information reappears or never goes away

Some info is displayed more than once, same accounts appear after resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different credit amounts {$3600.00} and {$1800.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Complaint sub-issue: Investigation took more than 30 days

I mailed off dispute letters to XXXX, XXXX, and Equifax on XX/XX/XXXX to dispute collection accounts that are being inaccurately reported on my credit report. It has been more than 30 days and I still have no updates on my disputes and these inaccurate reports are still being reported on my credit report. These bureaus are not reporting or responding to disputes in a timely manner. These accounts need to be removed from my credit report.
Complaint sub-issue: Public record information inaccurate

faxed two letters to Equifax to have a judgement removed. and it has not been removed.  XXXX  and  XXXX  have removed the debt. The debt has been paid and is no longer owed. I have my expungement letter.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern : I am requesting that a dispute be initiated for a XXXX XXXX # XXXX. I dispute the validity of this account and request it be removed from my report Enclosed is a copy of drivers license, I continue to dispute the validity of this account. I request that the accounts be deleted from my credit report. Can you notify me of the outcome of this correspondence? Thank you for any help you may provide in this matter. Thank you Sincerely,
Complaint sub-issue: Account information incorrect

Company reported delinquent payments missed to my Credit Report. After the Vehicle was in there possession for months prior. Shared my Report with third Party. Violating my Privacy. 
Account # XXXX XXXX XXXX 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. 
Account name XXXX Account : # 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 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 person knows or has Reasonable cause to believe the information was in correct.
Complaint sub-issue: Trouble with how payments are being handled

So as you guys know I have already sent a complaint to Ascent Funding LLC already about my invoice. Today the invoice is due and the director of compliance stated at this time they are unable to pay invoices submitted by consumerd. This is an issue because there is no law that says they are allowed to ignore a remedy or payments required from them because they violated a consumer. There is no law that states the debt collectors inability to pay an invoice is acceptable and should be accepted as a response by the consumer. Their networth is over a million so theres no reason they can not pay an invoice that wouldnt have been created if they followed the law in the first place. I can issue another invoice for this matter including the violations from the first invoice along with the violations concerning the payment of this second invoice but, I wont need to if they follow this first invoice. Also, I asked before in the previous complaint against them that if there were any issues with the invoice, they need to contact me before the due date. They did not follow that complaint or aspect of my remedy so I have the opportunity to send another invoice concerning that violation as well. And just to clarify that I need that payment by XXXX XX/XX/2021, there is no law that states the debt collectors inability to pay a violation invoice is an exemption from actually paying the invoice.
Complaint sub-issue: Debt is not yours

I previously disputed this account with US Bank and received the attached response. They did not do a thorough investigation. As I have mentioned before I am a XXXX My Drivers license and passports all have the same name.. this makes no sense I didn't even know XXXX gave credit cards for food. 

My father XXXX XXXX resided at my address through out that time however he has been incarcerated for about 5 years and I don't speak with him. I presume this debt belongs to him. 



Previous Dispute US BANK has been reporting an account against my SSN # for almost 7 years. This account does not belong to me. For almost 7 years i have been disputing this account, i have never applied, used or had knowledge of this account. I have a common name and am a XXXX. I have asked for proof showing this account belonged to me. i have received nothing. 7 years i have had to deal with this account. Please have US Bank review their records and provide proof this account belonged to me or remove it from all 3 credit reporting agencies. Today I pulled my report and now the amounts are all different. The original limit is reported as XXXX, the amount written off was {$980.00} and as of today shows past due {$1300.00}.
Complaint sub-issue: Trouble with how payments are handled

I have been making payments since 2014 and have paid about {$6300.00} +- since then. All of the money paid has been going exclusively to interest except for {$580.00}. I am surprised that none of it went to the principle amount.
Complaint sub-issue: Information belongs to someone else

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, ( INSERT CLIENTS NAME ), also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of15 USC 1681b- ( a ) ( 2 ).
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Didn't receive enough information to verify debt

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Complaint sub-issue: Debt is not yours

PMAB KEEPS SENDING LETTERS ABOUT A BILL THAT IVE ALREADY SPOKEN TO SOMEONE ABOUT AND IM FEED UP MY HEALTH IS AND ISNT HEALTHY ENOUGH FOR ALL THIS AGGRAVATION AND I ASKED THEM TO STOP
Complaint sub-issue: Information belongs to someone else

I have been the victim of ID THEFT in the past and Equifax has removed and blocked several fraud accounts. All of a sudden within the past 60 days every single account is begin re reported and Equifax refuses to remove these fraud accounts. They keep saying they have been verified accurate!!! I have gotten letters from the fraudulent creditors confirming these accounts are fraud and that they have notified the credit agencies of these and told them to remove these accounts!! EQUIFAX still will not remove the fraud accounts!!! Once more they continue to say they belong to me!!! I have sent copies of the letters I received to EQUIFAX. Some accounts were removed and some remain!!! The following are Still fraud and need to be removed!!! 
1.XXXX XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portaXXXX. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Reporting company used your report improperly

Credit bureau deducted my credit score with an unknown hard inquiry on my account. Can you please remove that hard inquiry on my credit report account now.
Complaint sub-issue: Account sold or transferred to another company

I am   XXXX   XXXX   XXXX   XXXX   and use   XXXX   XXXX   XXXX   phone which is not compatible  with   VOIP nor headsets and it is noted on my account to remove the headsets and not to send me overseas. If overseas and sent back there is always a bad connectio n.     I tried to put an item in dispute too and it should win. If it is a problem I will really be ready to close the account.     I am so tired of being hung up on and fought with to hear.
Complaint sub-issue: Information belongs to someone else

I value the help of 3 Credit Bureaus to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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: Didn't receive services that were advertised

XX/XX/22 I applied for several credit cards, that were chosen by Credit Karma, claiming that my approval odds were outstanding. Cards that are among the denied were XXXX XXXX XXXX XXXX. My credit score then dropped after the denials.
Complaint sub-issue: Can't close your account

On XX/XX/XXXX, I was purchasing a pair of jeans at Sears in XXXX, FL. The store associate told me that if I applied for the Sears Mastercard, I would have {$40.00} off my first statement and would only pay {$2.00} for the jeans. Evidence of this is the sales receipt, on which the associate hand-wrote " -XXXX '' and a total amount of " XXXX. '' I applied based completely on that statement. When I received the statement, there was no {$40.00} credit. When I called the credit card company on XX/XX/XXXX, I was told my purchase did not qualify for the {$40.00} credit and I would have to pay {$42.00}. I made that payment on XX/XX/XXXX, so as not to impact my credit rating and to have the account be closed immediately. During that phone call on XX/XX/XXXX I made the request that this account be closed due to fraudulent representation by the store associate. I was told the account would be closed. When I received the credit card in the mail, I did not activate it, and I destroyed the card. 

On or around XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that the account could not be closed " ... because the request must be initiated by either the primary or joint accountholders, and it was not. '' ( This was obviously not true. ) The letter asked for a signed request. On XX/XX/XXXX, I sent the signed request that the account be closed, and also stated that if I did not receive written confirmation in 10-14 days, I would file this complaint. I have had no response.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Complaint sub-issue: Investigation took more than 30 days

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of federal law.
Complaint sub-issue: Account status incorrect

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a certified letter to Equifax, which they received on XX/XX/XXXX. The letter requested them to investigate XXXX fraudulent inquires in my credit, that I did not authorize. 

XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. 

The investigation was not completed in accordance with section 604 of the FCRA. These companies did not have permissible purpose to pull my credit. I did not authorize any of these companies to pull my score and Equifax DID NOT properly conduct an investigation in accordance with the stated law in the FCRA.