Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem accessing account

I get my child support from XXXX on a Direct Express card. 
This month I can't access anything. 
They say my card is invalid. I try to use my Social # and they say it's invalid. 
No one will answer the phone. I've tried numerous times, for more than 45 min., no one answers.

I called Social Security and they say I have to talk to Direct Express. 
I've called every affiliated company and they all say contact Direct Express. 
Please help me.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Hello I'm am reporting a account that has brought me much pain and suffering and it has crippled my ability to get credit and making me appear irresposible. The company XXXX XXXX claims that I have not payed them for three months but I have extremely compliant. On for the past three months I have provided my banking information and gotten conformations that they recieved payment only to get letter stating that the payment didn't go through resulting in a late being placed on my credit. They informed my that my bank did allow payment and was retuned do to insufficient funds. And this is just not the case my bank never reported and activity of payment cancelation or any thing of that nature from this company. There is absolutely no such transaction in my bank records, which means that the negligence is completely on there end and not mine. I HAVE BEEN COMPLETELY COMPLIANT!!!
Complaint sub-issue: Account status incorrect

My XXXX XXXX XXXX loan first showed a 60-day late payment for XX/XX/2021, they then changed it to a 60-day late payment for XX/XX/2021 and now it shows as a closed account. I tried calling multiple times and they keep saying they can't help me with it even after i disputed it. Equifax is the only one showing these inaccuracies. XXXX nor XXXX show this.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, TX. I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX financing to see if there was something he could do. He came back and said that he had checked with XXXX  XXXX and they had also denied me. I asked them had they run my credit through XXXX XXXX? They replied no. The next day I began receiving alerts from my XXXX and Equifax credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance manager, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance manager ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get XXXX or Equifax to remove the inquiries. XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XX/XX/2022 ) EQUIFAX Unauthorized Inquiries : XXXX  XXXX, XXXX XXXX ( XX/XX/2022 )
Complaint sub-issue: Problem with rewards from credit card

This is my second complaint to CFPB for the same issue. 
I have a PNC Rewards card. For all of the many years I have had this card, I have been unable to redeem my rewards through their website. I have called each month, for over three years and get caught up in a 1/2 hour phone tree before I get someone who manually  redeems my rewards. I complain to them on the phone and to their supervisors and I have been assured that they are working on fixing the website. 
It was never fixed and to date, it is still not working. 
I filed a complaint to this organization a few months back and PNC did promise to look into it. I also received a personal letter from XXXX XXXX, Executive Client Relations, AVP who said I can call her anytime Monday through Friday XXXX to have her help me if the problem persists. 
I tried again on XXXX/2017 to redeem my rewards via their website, and the problem is exactly the same. Same error message. No changes. 
So I called XXXX XXXX. She did not return my call. The problem is not resolved. 
Please make them fix this simple website problem. It is not brain surgery.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Complaint sub-issue: Information belongs to someone else

I have about 20 student loans that are reporting on my credit report. These loans definitely belong to someone else. I am not currently in school and I do not have any unpaid student loans. Therefore these accounts should not be reporting to my credit bureau. I sent an original dispute which removed these errors from 2 of my credit bureaus, but it still is visible in one of them. These should be removed from credit report ; they do not belong to me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, 15 USC 1681 section 602 A states I have the rights for privacy, 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/2020.
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XXXX  Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
Complaint sub-issue: Debt was result of identity theft

In XX/XX/2022, my checking account with XXXX XXXX was hacked. Thankfully, I caught this within minutes. My local brach stopped payment on the few transactions that had been initiated fraudulently, and I lost no money. However, shortly thereafter I received a letter from " TRS Recovery Services '' claiming to be collecting a bill of {$130.00} on behalf of XXXX that they claim was unpaid when my account closed. 

I owe no such bill to XXXX. Worried that the hacker may have used my checking account info to pay for ( a rather expensive ) XXXX ride, I even contacted XXXX to ask if they hire outside companies to collect debts on their behalf. XXXX replied to me that they do not hire outside companies, or TRS specifically, for their debt collections. Furthermore, if the payment to XXXX had been declined, XXXX would not have accepted the ride request and there would have been no money lost ( which is to say, no debt to collect. ) When I went on the TRS website to object to the debt, their website required me to enter a large amount of personal data, including data that could itself lead to identity fraud. They also requested me to provide them with information about the debt that they claim to be collecting - information they should have if the debt were actually real. Needless to say, I did not complete that form. 

All of this leads me to think that TRS is itself a fraudulent company.
Complaint sub-issue: Information belongs to someone else

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my report immediately. 

XXXX XXXX XXXX {$420.00} XXXX  XXXX {$620.00} XXXX  XXXX {$420.00} XXXX XXXX XXXX  XXXX {$230.00} XXXX  XXXX  XXXX {$620.00} XXXX  XXXX  XXXX {$450.00} XXXX XXXX {$92.00} XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter out on XX/XX/2022 to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX tracking number : XXXX, XXXX tracking number : XXXX, and Equifax tracking number : XXXX. However the credit bureaus said that they completed the investigation and everything was 100 % accurate. How is that when the account number is incorrect, the account type is incorrect, the account status is incorrect, the monthly payment is incorrect, date opened is incorrect, the balance is incorrect, payment status is incorrect, last reported is incorrect, date last active is incorrect and the date of last payment is incorrect? According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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. 

I would like to know who did they talk to? 

How did they complete this investigation? 

One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681b ( a ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates 15 USC 1681i ( 5 ) ( A ) ( i )- 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. 
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give anyone written instructions.
Complaint sub-issue: Trouble with how payments are being handled

I submitted my re-certification for Income Based Repayment plan to FedLoan within the deadline window in XXXX. In XX/XX/XXXX I was direct debited for my standard repayment plan ( without adjustments for income based ) which was {$280.00} higher than it should have been with my income based plan XXXX a total of {$550.00} XXXX. I called to ask why this happened and was told it was because I submitted the documentation too late. I was nearing the deadline, but submitted all the paperwork prior to the deadline and was approved for a new amount and sent confirmation of this before the payment direct debited in XX/XX/XXXX. I was told to call my bank to deny the full amount of direct debit and get my money back. I did this, but then my non payment was marked delinquent. I was told it would take 45 days to resolve this through a payment override request at which time they would bill for for the correct amount XXXX {$270.00} XXXX and the extra {$280.00} would be cleared and not marked as a payment due. 

I waited the full 45 days and when I hadnt heard anything, I called. I had to re-explain my story to every person I talked to and kept being told it would be processed eventually. Finally, at the 90 day mark, I spoke with someone who told me it could be expedited. He did this and it was processed in another week. I was called and told to submit the payment of {$270.00} and an employment certification form for PSLF. I did both and not only were my payments for XXXX not counted towards the PSLF, but the {$280.00} did not get cleared from my account. Since I was marked as delinquent in XXXX, they keep applying every new payment to the oldest amount due, which is causing every payment Ive made since then to be marked as delinquent. I called and asked about this and was told they had to review the delinquency and that the override request I had submitted in XXXX was never intentioned to clear the {$280.00}. They could give me no timeline as to when this would be reviewed or resolved. It has now been 4 months of dealing with this. Every time I call, I speak to someone different and have to re-explain and they refuse to give me a caseworker to help resolve this situation. 

I also have a letter from XX/XX/XXXX asking me to re-certify my income based plan, which states that if I dont, the payment will increase in XX/XX/XXXX ( which doesnt make sense as to why my payment increased in XX/XX/XXXX )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

there are unauthorized inquiries for XXXX XXXX on my report. The credit bureaus allowed them to get my information now someone has a credit card in my name and now I am a victim of identity theft because they pulled my reports without my consent.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX, Account # XXXX XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX ), Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account # XXXX XXXXXXXX XXXX, Account # XXXXXXXX XXXX XXXX has all 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 an 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 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 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 paid

ATG, collected on a debt that was stated sent to them by XXXX XXXX XXXX on a debt that was not owed, ATG verified the account number listed on attached check account number being XXXX, ATG ststed they tried to contact me by email and phone they did not the debt was from XXXX I did not receive anything from them and on XXXX XXXX and it was put on my credit on XXXX XXXX the strange thing about this is there is no way to verify the debt recently the debt or all debt from XXXX XXXX was transferred to ATG this has happened recently, in XX/XX/XXXX i have spoken to XXXX XXXX  and they verified the only amount owed was see attached XXXX, there phone number leaves a recording to contact Atg, i contacted XXXX  XXXX XXXX who ordered the services who also stated i had no debt owed or they did not see anything owed to them from XXXX, still not being able to verify i had to pay the debt to ATG again,
Complaint sub-issue: Information belongs to someone else

i feel my personal informantion was taken around 2017 used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts thaf was open in my name without my authorization
Complaint sub-issue: Reporting company used your report improperly

After my attempts to reach out to Equifax in regards to handle this matter, it is to no avail, that I am forced to file this complaint and take all necessary actions by exercising my rights as a consumer. Pursuant to 15 USC 1692a ( 3 ), I, am, the consumer and natural person. Without my permission or authorization, Equifax assumed their role, as stated in the congressional findings in 15 USC 1681 ( a ) ( 3 ). Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to insure that they exercise their grave responsibilities with fairness, impartiality, and respect for all consumers ' right to privacy. Equifax has been unfair, using unlawful adverse actions, violating and not respecting my consumer 's right to privacy, as well as, not adequately protecting my personal information, as a consumer. Equifax has continued unauthorized use of my credit report, allowing my personal information to be unlawfully accessed by and shared to unauthorized 3rd parties and unauthorized users. Pursuant to 15 USC 1681 ( b ) ( 2 ) the furnishing of a consumer report must be in accordance with the written instructions of the consumer to whom it relates. Therefore, I demand that Equifax immediately cease and desist all furnishings or reporting, and unauthorized use of my personal information. I also demand that they send me all files containing my personal information, as requested. Equifax has violated federal law and my consumer rights so, as a result of the damages and sufferings, I demand monetary relief ; violations are liable for up to {$1000.00} in damages, per violation, under 15 USC 1681n and 15 USC 1681o.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2019 My wife and I sold our home and paid off a second mortgage. We moved to Wisconsin to be closer to family when we retire. XXXX XXXX XXXX reported the account paid in full. Equifax reported it as a short sale. The mortgage company says they did not report it this way and the credit report says they did. While they are pointing fingers at each other we were told that we CAN NOT PURCHASE A HOME FOR XXXX YEARS!!!!! 
While they may not care or feel amused by this I assure you we are not. 

My wife and I would appreciate any help in this matter.
Complaint sub-issue: Information belongs to someone else

This is my 6th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00}