Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Complaint sub-issue: Their investigation did not fix an error on your report

Under the new law effective XXXX XXXX, 2017, any public record data must include name and address, along with SSN or DOB in order for it to appear indoor credit file. The Credit Bureau has not updated the information as per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Complaint sub-issue: Public record

I 've been waiting since XXXX XXXX for the state of Alabama to investigate a tax lien against me. The lien was for unpaid state income taxes in XXXX, which was not valid as a I was a Louisiana resident. Finally, the state 's taxpayer advocacy office provided me with the attached letter saying I did not owe the state and that the lien should be rescinded. I 've disputed the lien on my credit report for all XXXX bureaus, providing the letter from the state as proof, but the bureaus will not remove the item. I am seeking to have the lien completely removed. I 'm hoping this can be done soon, as I need to help my mom buy a car.
Complaint sub-issue: Didn't receive enough information to verify debt

Debt collection just showed up on XXXX XXXX as a collection ... tried calling Collection number and only get voicemail to leave your name and number have not heard or received any corespondents
Complaint sub-issue: Information belongs to someone else

I have sent several certified dispute letters to Equifax regarding several hard inquires list on my credit report. Within a matter of days, Equifax sends an auto generated letter stating the information is factual without properly doing an investigation and verifying the information with all lenders that appear on my credit report. The XXXX inquires listed on my credit report are from 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 

In or around the month of XX/XX/XXXX, I submitted a CFPB complaint regarding the failed investigation and verification provided by Equifax. Simply stating something is factual without investigating is in violation of the FCRA. I demand Equifax do a proper investigation and verify with each lender as these companies listed did not have my authorization to pull my credit report.
Complaint sub-issue: Problem with customer service

Hello. I handed in my XXXX application and FedLoan received it on XX/XX/2022. I have been waiting for appropriate communications from them as to what to do next. I decided to contact them XX/XX/2022. They wrote back on XX/XX/2022 stating that I needed to hand in the first page of the application again. This is ridiculous due to the fact that the completed application was received on XX/XX/2022. They received updated employment verification forms on XX/XX/2022. I refaxed the first page of the application on XX/XX/2022 dated from XX/XX/2022. FedLoan does not contact me and has me waiting without proper instructions. There are others who have received forgiveness before me due to their poor management of my application. I have been working for not-for-profit employment sites over 11 years. This is not acceptable.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( {$980.00}, Opened XXXX. XXXX, XXXX ), XXXX XXXX ( Balance : {$130.00}, Date Opened : XX/XX/XXXX, Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Balance {$51.00}, Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( OpenedFeb. XXXX, XXXX, Balance : {$570.00}, Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Reported : XXXX. XXXX, XXXX, Balance : {$170.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$190.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Deposits and withdrawals

New set of problems with PNC Business checking ( XXXX XXXX XXXXt ) Issue # XXXX : PNC is restricting my account in terms of how much amount of money I can get out of this account by ACH. There are no free checks provided and XXXX is limited so how somebody like me can do the business? When I talked to PNC local branch manager ( XXXX ) -I am told that buy some pinnacle kind of service to have higher limit, what? Why in the world PNC bank going to tell me how i should run my business and when I need to pay something and how much? if there is a fraud going on then it's fine but why otherwise? it seems PNC is just looking for creative ways to get money out from the customer. 
Issue # 2 : Some very basic stuff also - like knowing account # and routing #... it is not straight forward and I need to provide mobile OTP to get it. This is ridiculous. 
Issue # 3 : Customer service is never available. There is recorded message that it is 20 minutes of wait... NO even after 1 hour ... there is nobody ... then they say-you can provide your phone # to save your spot in line and we will call you back... I have got the calls after 4 days in the past. 
Issue # 4. PNC challenges me with questions - like what was the license plate number of the car that i was owning in 2005. Do you think that it is reasonable to expect that a XXXX years old guy will remember the license plate number of their car - may be 17 years back???? This is ridiculous. 
Issue # 5 : If i have setup a ACH out transaction in future and want to edit it then i can not, i can only reduce the amount of that transaction but can not cancel it. That's really so outdated banking.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$590.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX $ XXXXXXXX XXXX XXXX XXXX {$500.00} XXXX XXXX {$400.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX   XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2600.00}
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Their investigation did not fix an error on your report

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Complaint sub-issue: Confusing or missing disclosures

It's been a month now since I tried to open a savings account for my new business so I could keep it separate from my regular accounts which I had for over 10 years. 
As soon as I walked in and handed the check I wanted to deposit the girl started right away to tell me that checks received from XXXX XXXX XXXX are suspicious. Well she opened the account but later that evening she called me and told me that the check was not going to be deposited because they needed to do an investigation. Investigation that made me feel that I was trying to make fraud cashing a bad check, they tried to contact my client ( check issuer ) to find out about what? Me? It made me feel like I was the target of mistrust or discrimination ( a XXXX with a check? ). I requested an explanation and the closure of the account. they gave me a letter that practically says to cash those checks in another bank or the issuer bank which is over 50 miles from where I live. As of today the account still shows opened, I only hope they don't charge for a XXXX balance fee. If they want to catch criminals they should do it with the proper institutions or not receive the check at all, it's not their job to investigate their clients or is it only me? 

Thanks XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted many disputes to Equifax concerning this error on my credit report. Not all XXXX bureaus are reporting same information. Equifax is reporting different information. 
This is a violation and needs to be removed immediately from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried getting this issue resolved with Equifax. I have spoken to the fraud team several times and they are not complying with my request. Under the FCRA anything fraud or unauthorized must be deleted from your credit reports immediately. THESE INQUIRIES ARE NOT MINE 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: Account status incorrect

Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 inaccurate information that is reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

If I did not have payment protection then WHY did the Federal courts in NY order then to stop requiring card holder pay for it? Discover Financial Services has reached a {$10.00} XXXX class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as Discover AccountGuard ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXX and XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. I stop using My cards in XX/XX/XXXX hen they refused to owner my XXXX clam! I found out that I had another discover card but it came with {$5000.00}. already charged to it! I paid them on line. My wife sent in checks. She would send them {$200.00} and what we owe them would go up {$2000.00}! A few times they tried to take {$2000.00} to {$5000.00} from my bank account! Computer errors they said! They would add this amount that they could not get from my bank to what we owe them! I put a stop o all transfers from my bank to less then {$200.00} except my House payment! Which I got a few calls from XXXX XXXX XXXX claiming that they own my mortgage and I had to send then money over the phone to them NOW or they would foreclosed on me! I did get a lot of phone calls from their lawyer XXXX XXXX XXXX XXXX XXXX saying that they are going to take my home and put me into jail! XXXX, XXXX. Today, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit in a federal district court against the debt collection law firm XXXX, XXXX XXXX XXXX for falsely representing in millions of collection letters sent to consumers that attorneys were involved in collecting the debt. The law firm made statements on collection calls and sent collection letters creating the false impression that attorneys had meaningfully reviewed the consumers file, when no such review has occurred. The CFPB is seeking to stop the unlawful practices and recoup compensation for consumers who have been harmed. I found out that I have an XXXX XXXX card that had transferred {$5000.00} to Discover Bank! Also funds were transferred to discover Bank from my XXXX and XXXX cards! All were computer errors??? As they kept telling me and now are lying to you! Tis XXXX with them started when I informed the that I was an XXXX veteran!!!
Complaint sub-issue: Information belongs to someone else

After I have called the credit reporting agencies a couple of times and had representatives hang up the line while placing me on hold. I am not moving a step further to get remedy for being violated. This is just a courtesy complaint to allow the credit reporting agencies a chance to fix what they have messed up before I go straight to US district court to collect remedy. I have accounts listed such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX, XXXX XXXXXXXX and XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX that are not mine and I require that they be removed. I tried to giving an oral and written instruction to the CRAs so now this is my written instruction in this complaint. I require that you remove and correct all I have listed in this complaint. You are currently in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Credit Karma led me to believe that i could get personal loans and or a credit card to help build my credit since ive been using their app. Everytime i have been denied and my time is wasted as well as my credit report getting worse instead of improving it. This is unacceptable and should be resolved immediately!
Complaint sub-issue: Trouble with how payments are being handled

Hello, I am in the Public Service Forgiveness Program. FedLoans,  my lender since XX/XX/XXXX, needed to look though archived payments from previous lenders ( prior to XX/XX/XXXX ) to have eligible payments I made count towards the 120 needed payments for the PSLF program. Thus I submitted a review with FedLoans on XX/XX/XXXX. I was initially told the review would take 3 months. It has now been over 15 months and they have not completed the review! I called today and they said it could even take 2 years! I am now 105/120 payments into the PSLF program and I would like to have an updated, accurate count of my loans as I am getting closer to eligibility. Per my records I began in IBR on XX/XX/XXXX so those payments should indeed count. They told me there is no other way to receive further updates and I just have to wait for them to tell me they have been reviewed. 

Thank you
Complaint sub-issue: Debt was result of identity theft

Account is fraudulent and unauthorized. I do not have any knowledge of this account.
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, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt was result of identity theft

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Complaint sub-issue: Account information incorrect

You continue and are persistent in maintaining erroneous reports and accounts. I have contacted original creditors that I settled accounts with, no contract exists and when an account or debt is settled it can not be sold or reported again. 


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 ) you have on file of the accounts listed below. Your 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 verifiable proof, you must remove the accounts listed below. 

XXXX XXXX {$920.00} XXXX XXXX {$900.00} XXXX XXXX {$850.00} XXXX XXXX {$150.00} XXXX XXXX {$150.00} XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

I have been receiving multiple phone calls a day, from Sears / Citibank. I 've reported them a couple of months ago, but they still call me from a different number. The phone calls are extremely stressful and keep kicking my XXXX into full gear. The calls are roughly 2 - 3 hours apart, and are all robo calls. Per the Federal Trade Commission, debt collectors are to not " repeatedly use the phone to annoy someone '' as this is harassment. I 'm getting extremely sick of Sears / Citibank 's collection practices. I understand I owe a debt, but I definitely do n't need to be reminded of it multiple times a day, every M-F! I 've attached the phone call log from mid XX/XX/XXXX to yesterday. I 've also attached a snippet from the FTC stating collectors may not use the phone for repeated phone calls.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020 and then again on XX/XX/2020 SAFERENT SOLUTIONS LLC made hard inquiries on my credit on behalf of XXXX XXXX. They were not authorized to pull my credit multiple times.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Got 5 hard inquiries I dont recognize, from Discover financial SER on XX/XX/XXXX, 3 from XXXX XXXX  XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX And XXXXXXXX XXXX on XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

These blundering XXXX at equifax have fraudulently SELF-CREATED a phony account in MY file using my wifes personal information. THESE XXXX NEVER have my permission to blunder away my information with my wife. NOW these XXXX do n't recognize me, because MY wifes personal information has taken over MY ACCOUNT?! # HOW stuck on XXXX are these XXXX?! # NOW, I have been playing phone tag with wrong numbers, incompetent XXXX, calling themselves equifax, ONLY a different department?! # WHAT!!!!!!!!!!!!! I can NOT get credit or rent a new apartment or room without a generic credit report. THESE XXXX have caused me extreme rage and anxiety. I told you people this years ago. Here we are!!!! I tried to get a free flu shot for veterans at walgreens. MY name and social security number comes up as a MIS-Match?! # NOW I have been wasting my time with equifaxs generic security website, which goes to trustedid.com. STILL does NOT work or recognize me. I want my file frozen from these idiots permanently. I want my wife 's information out of MY file NOW!!!!! How would clumsy XXXX protect anyones personal information?! # I had to go round and round with these idiots with there sloppy outdated obviously INACCURATE blunders in my file for years! How many complaints to you people. I warned you people years ago this would happen. Worthless XXXX  sloppy with everyones personal information. Here we are!!!! Nothing has changed!!!!! Same run around, wrong numbers, generic voice mails or sloppy self-created automated system to EVADE any accountability!!!!
Complaint sub-issue: Account information incorrect

XXXX insurance gave me a quote on increasing my auto insurance and they automatically applied it to my account when I noticed about 2 days later I immediately called and canceled it. The information reported is false.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person my name is XXXX XXXX XXXX the credit bureaus has violated my rights in many ways. i am very exhausted and is now facing bad XXXX due to this matter of the credit bureaus disrespecting my right to privacy. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.