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

Equifax are showing the same collection on my credit report twice. One that was showing date of assignment XX/XX/XXXX for which I disputed with them and the reporting company previously but since XXXX this collection has been duplicated on my report but showing a new assignment date of XX/XX/XXXX. 

So basically Equifax now reports the same collection twice one as an old collection from XXXX but also one is also being reported as new collection. 

I contacted XXXX please see prior CFPB complaint and they deny re aging or opening an second account and blame Equifax for this error. 

I previous disputed this matter with Equifax in XXXX and this entry was removed however it reappeared this month on my credit reports where is shows as one old collection and one new collection unfairly and inaccurately hurting my credit score. I also disputed the original collection dated XX/XX/XXXX with XXXX for which I do no even owe this {$150.00} amount to begin. Since Equifax are responsible for reporting this incorrect data and XXXX are themselves are pointing the finger at Equifax I feel they are responsible in this matter.
Complaint sub-issue: Account information incorrect

All of my educational loans have been forgiven/discharged but the credit bureaus still list one them on my report as unpaid.

I have disputed charges on my credit report with all three credit reporting agencies and when they investigated they said the info was correct and the account stays the same. They claim that they have verified the info through the Dept of Education or XXXX. This is not true because I have a letter of discharge and I have called every department which all have confirmed the same info of my loans discharges having a XXXX balance. This is unfair, unacceptable, frustration and illegal! Please Help!
Complaint sub-issue: Their investigation did not fix an error on your report

I recently challenged the validity of XXXX # XXXX {$14000.00} XXXX XXXX L # XXXX {$3500.00} XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX  # XXXX $ XXXX XXXX XXXX XXXX # XXXX {$3500.00} XXXX XXXX XXXX XXXX {$550.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX  is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX - Was told it was a soft inquiry XXXX Delete Inquiry XXXXXXXX XXXX XXXX XXXX Was told it was a soft inquiry - XX/XX/2022 - Delete Inquiry CITI CARDS CBNA - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry CITI CARDS CBNA - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry XXXXXXXX XXXX - Was told it was a soft inquiry/pre approval - XX/XX/2022 - Delete Inquiry XXXX XXXX - Was told it was a soft inquiry loan - XX/XX/2022 - Delete Inquiry XXXX XXXXXXXX XXXX XXXX Was told it was a soft inquiry I later took out a loan from them and now it appears twice - XX/XX/2022 - Delete Inquiry
Complaint sub-issue: Deposits and withdrawals

On   XX/XX/17   at  XXXX  I have made a check deposit on a new  Joint accoun t I opened with  Citibank ( Regular checking  -  XXXX  ). The next day when I wanted to make a transaction my account was blocked. I went to  Citibank downt own  XXXX  CT and was told there was a problem with  one the  checks and that I have to call. I have call ed Citibank  on   X/X/17  a nd was tol d   XXXX   XXXX   h as put a hold on that check. They block the account, not the amount on the check. I then call the individual that sent me the check to inform him of the situation, he went to a branch where he was informed there is no hold on his check. Even with no hold on the check  Citibank will   not unblock my account before  10 b usiness days! Say that I borrowed the money because I had an emergency??
Complaint sub-issue: Information is not mine

On XXXX XXXX, I received a notification from ( XXXX ) an agency that monitors my credit and alerts me to anyone pulling my credit. I was informed that Equifax placed on my credit that XXXX had pulled my credit for a credit card. I called XXXX and they reported that no such thing happen. XXXX told me to dispute the inquiry on my credit report. I went online to try to dispute, but Equifax would not allow me to dispute online. So I called them today, and the woman told me that they do not allow for inquiries to be disputed. I asked her when did this start, because 6 months ago I had to dispute inquiries and incorrect information on my credit report and after they investigated, the corrected the information. The lady on the phone told me they have never allowed anyone to dispute inquiries. Equifax had extra SS numbers on my credit report, and incorrect credit inquiries on my credit report. I asked to speak to her supervisor, a man got on the phone and told me he was not going to investigate because it was an accurate public inquiry. I told him that I had spoke with XXXX and they even denied pulling my credit. I have noticed a consistent pattern with Equifax, as soon as an inquiry falls off my credit, another one appears, there are there are a total of XXXX unexplained inquiries on my credit report from Equifax that they refuse to remove or investigate, XXXX and XXXX are on the same page, I only have XXXX inquiries, but with Equifax i have XXXX and XXXX are unexplained. 

This was an inquiry on my credit on XXXX/XXXX/XXXX from XXXX, they flat out refused to investigation and told me this would continue on my credit report till XXXX/XXXX/XXXX. I would like this inquiry removed, I did not make this inquiry and XXXX validated the information..
Complaint sub-issue: Information belongs to someone else

There seems to be an error on my consumer report furnished by ( companys name ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Complaint sub-issue: Information belongs to someone else

this address was used by idenity thieves, using my XXXX credit card and then tring to open other accounts, it is still on my EQUIFAX report. Filled out a despute form and address is still on.It was taken off other sites. XXXX XXXX XXXX. XXXX FL.XXXX
Complaint sub-issue: Banking errors

1. I opened an account in response to a promotional offer 2. Complied with requirements of the promotion - deposited $ XXXX by required date 3. The Bank is refusing to give me the promotional bonus of $ XXXX 4. Bank 's claim is that I had a previous account 5. Previous account was closed by Bank employees, due to on-line transfer issues, and Bank employees opened the new account 6. At the time I transferred the funds, XX/XX/2018, Bank employee ( I have the Name and Reference numbers ) assured me that the bonus will be paid 7. A subsequent phone call on XX/XX/2018, I was further assured that fund transfer is completed as required and Bonus will be applied to the account 8. After numerous correspondence, no action has been taken 9. I have not received any response to a letter to Ms. XXXX XXXX, Executive Vice President/ Chief Marketing Officer on XX/XX/2018 2018
Complaint sub-issue: Public record

I have disputed a Lien and a judgement that was placed on my credit file in 2014. I have requested information and also asked for verification of these accounts be sent to me. As of this date the the credit bureau has verified this account but I have yet to receive any information on any of these XXXX accounts. I also disputed a XXXX account, and a XXXX account that has not been verified, and I have no information or paperwork on neither of these account. I also disputed a student loan on my account that is reporting that i missed a payment and I have never missed a payment or been late ad I asked for it to be verified and I have not recieved any paperwork back on this account.
Complaint sub-issue: Trouble getting, activating, or registering a card

I have applied for a government travel card with Citibank XX/XX/XXXX and they have not supplied me with one. I have tried to talk to someone to find out what I need to do but I haven't been successful. There are two different cards you can apply for there is onXXXX with a {$3000.00} limit and the other is a {$6000.00} limit. Somewhere along the way, I applied for the higher limit by mistake which was not my intention. I was applying with my leadership walking me through the process. Somewhere along the way the consent to run my credit was checked. I wasn't aware that it would affect me. As I was literally being walked through the application step by step. This happened with one of my initial attempts my credit was run when the card I was trying to apply for your credit isn't checked. The card were credit is not checked is the card that I meant to apply for. I need this Government XXXX XXXX to pay for my lodging and food every month as I am XXXX XXXX XXXX. It's vital to my mission and I am due to deploy overseas next yearXX/XX/XXXX. I am worried that I won't have it when I need it and I will be stranded.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX 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 15 USC1681 Section 602 States " I have the right to privacy. 15 USC 1681 Section 604 A, also states " A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Sections states " no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under Title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless -- ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I am writing to you because, I am a victim of Identity theft, someone has access to my personal information and its ruining my credit by applying accounts that I have no knowledge.
Complaint sub-issue: Unable to open an account

My checking accounts were closed without giving me justifiable cause and they don't want to open personal checking accounts for me and they also don't want to open business accounts for me and I have an employer identification number ( EIN ) that the IRS assigned to me, preventing me from starting to operate with my business which contributes or is a cause of recession, if I can not have a checking account they are preventing me from meeting my financial obligations and paying my debts
Complaint sub-issue: Their investigation did not fix an error on your report

i have submitted multiple investigation requests to verify and validate this debt with XXXX XXXX as well as all 3 credit bureaus and they say they completed and investigation and it is verified ... .how can they have conducted a full investigation if they are reporting inconsistent across all 3 bureaus? they didnt and that is a major violation of my rights..they are ruining my credit with the reporting of this inaccurate account,,, ,i am attaching a snip of my 3 bureau report ... ..there are too many to point out but look at thhe snip ... look at the 2 year history, this account has been re-aged, they are reporting a credit limit on a charged off account, the high credit is inconsistent, etc .... i need this removed immediately due to the lack of a proper investigation with all 4 parties i disputed to
Complaint sub-issue: Funds not received from closed account

I had called into my bank o verify that my account was closed and to find out if they mailed me my cashiers check for my remaining balance. I was told many different answers and also several things i need to do to get my funds released to me. Prior to my bank account being closed I had requested to be able to go into a local branch and have my account closed right then and there. I was told I could not because my account was already in the process of being closed. My account was to be closed before XX/XX/2017. And I was advised numerous times by several different customer service reps that once my account is closed they will issue me my cashiers check. So when I contacted US bank inquiring about my funds and if a cashier check has been sent I was told I'd have to go to my local branch to get the funds released to me and that they would be able to send my funds which was placed in a recovery account directly to the branch that day. The department that advised me this was the security department. So then I was upset because first they said I cant go into my branch to get my funds and now they are saying I can. It has been a waste of time back and forth with US bank being told different things. The remaining funds in my account have been cleared since XX/XX/2017. The funds were and have been available. But I am getting the run around about getting my funds released to me. I decided to call US bank again to make sure that I would not be wasting more time taking off of work to go to the branch i wanted a direct answer that what the rep stated in the security department were correct. So I spoke with the main customer service and was told that none of this made sense and they didn't understand how I would be able to withdrawal my funds when my account has been closed. So they transferred me to the security department again and I was old that I have to go to the local branch and it would be up to their discretion to release my funds. And that I still would have to wait for the funds to be sent to my branch. This does't make sense what so ever. I was under the impression that maybe this is all happening out of spite because I did already file a complaint about having to wait for about a month for US bank to close my account. Which because of this I am now in the process of being evicted from my apartment because US bank wouldn't release my funds. I've had it with all the run around excuses with US bank I am a normal person that is employed has a family. I am not rich I work living paycheck to paycheck to support myself and my family. The fact that my funds are still being held in some other account for what ever reason it is, this just is not right. I was told by many different customer service staff that once my account has been closed my funds will be sent to me within 5 to 10 days. All I want is my funds released to me. I do not want to have to take off of work to waste more time for US bank to give me the run around..
Complaint sub-issue: Account status incorrect

XXXX XXXX keeps showing late pays although the information is not verified and they do not show the correct information.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. 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: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I sent in a dispute for inaccurate information reporting on my Equifax Credit report, and a follow up request about the dispute on XX/XX/XXXX for the follow accounts US Dept Ed this - This is a duplicate account reporting over 12 times XXXX  - This accounts is being reported with the same information on different accounts They have failed to respond to the dispute within 30 days. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau with no record of them even marking the account as disputed. 

*attached has the letters I sent, with confirmation receipts, and report pulled from XX/XX/XXXX and XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Information belongs to someone else

I tried removing a Citi bank credit card from my credit report that belongs to my ex wife of now 4 years. They refuse to remove it after now XXXX attempts through XXXX as I am unable to reach a representative to speak with on the matter. Im just looking to correct this issue as its causing an unwarranted negative impact on my credit report.
Complaint sub-issue: Card opened as result of identity theft or fraud

XXXX XXXX XXXX Closed : XX/XX/XXXX - {$820.00} Closed Overview You 're currently using 118 % of your account 's limit. Balance {$820.00} Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 4 yrs, 11 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$820.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Charged off as bad debt Account closed by consumer Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. WHEN I CONTACTED XXXX XXXX THE REPRESENTATIVE TOLD ME TO REPORT IT TO THE AGENCY BEFORE IT WOULD BE REMOVED FROM MY CREDIT REPORT