Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

XX/XX/XXXX my account was blocked I called customer service and was told my account would be unblocked. I was still unable to use my ATM Card but was able withdraw money at a branch. XX/XX/XXXX I called customer service was told my account is still blocked and they had no information as to why. I was told I would receive a letter in the mail within 5-7 business days of the account being blocked regarding the account. Today XX/XX/XXXX I havent received any letter explaining what is going on with my account and money. I went to the bank the tellers were unable to tell me whats going on with my account and I was unable to touch my money. I placed another call to customer service and finally spoke with XXXX of the security alert department. XXXX told me my account was blocked due to a XXXX  deposit that was suspicious he verified I know where the XXXX came from and the amount and said he would unblock my account. He asked me to try to log into online banking which I could not do. A message popped up that stated my account was blocked for my security. XXXX then told me upon further research he couldnt unblock the account and didnt have any more information for me except for wait for a letter the account is still in review and, once again explaining I should have received a letter within 5-7 business days which I havent. The bank continues to hold my account and money without giving me any answers or letting me speak directly with the department that is reviewing my account. How can a bank keep my money and not give me answers. I have kids, a mortgage, and bills to pay.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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  USDOE/XXXX XXXXXXXX XXXX XXXX USDOEXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I ask them to remove information along with the letter again nothing has been done. The inquiries from XXXX XXXX  XX/XX/XXXX has informed me they do not have a request from me and can not verify my social number. XXXX XXXX XXXX XX/XX/XXXX also informed me they did not have a recorded of my credit request. UCS XXXX did not have my permission to run my credit score. XXXX XX/XX/XXXX did not have my permission to run my score. XXXX XXXX XX/XX/XXXX I have an account with XXXX for the past 20 years and there is no need to have my credit checked. I never authorized any credit check from XXXX, I did not have my permision to run my score.
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
Complaint sub-issue: Their investigation did not fix an error on your report

REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
( Continued On Next Page ) XXXX Page 3 of XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY.

>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 

THEY DID NOT INVESTIGATE AND WITHIN 2HR OF THE DISPUTE WAS SENT THEY VERVFYDE IT
Complaint sub-issue: Public record information inaccurate

i recently check my credit report and notice that there were an inaccurate bankruptcy reporting on it, so i sent letters to all 3 CRA 's ( XXXX, Equifax - XX/XX/2021, and XXXX XXXX XXXXXX/XX/2021 ) and neither of them has deleted or verified it.It has been over 30 days since i send it out certified mail/RRR. i have attached the copies below as well.
Complaint sub-issue: Investigation took more than 30 days

I sent in a copy of my police report with Equifax detailing a fraudulent account from XXXX being reported on my credit profile. The fraudulent account continues to report in error. I am a victim of identity theft by a relative that opened numerous accounts in my name, as detailed in the police report.
Complaint sub-issue: Debt is not yours

I get calls daily, from collection agencies and they are not allowing my credit score to go up. I am affected in such a negative way that I am willing to file bankruptcy. This is not fair the attack I feel daily. I dont even want to pick up my phone.
Complaint sub-issue: Personal information incorrect

I have sent several requests asking that the personal information on my credit report be updated. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX
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, XXXXXXXX XXXX  : XXXXXXXX XXXX XXXXXXXX : 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 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 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 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: Notification didn't disclose it was an attempt to collect a debt

I sent the collection agency a debt validation letter and they never responded back to me.
Complaint sub-issue: Information belongs to someone else

See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?
Complaint sub-issue: Problem with personal statement of dispute

XX/XX/XXXX, I received notification from Equifax that disputes I filed regarding hard inquiries were completed. I disputed the following inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MI XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX and they were included in the bankruptcy. This should not have been run. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX and they were included in the bankruptcy. This should not have been run. 

Equifax responded to my disputes with the following statement : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' There is no way these inquiries are valid. I neither gave information to, nor did I authorize those lenders to pull and run my credit. I even spoke with a gentleman from XXXX XXXX and told him specifically NOT to run my credit because I was not looking for financing due to filing for bankruptcy. I was not looking for financing, I had just filed for XXXX  XXXX bankruptcy. It was discharged in XXXX of XXXX.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX and XXXX, I am not responsible for any payments for this account. I have no business with XXXX and XXXX. I do not have a loan or contract with XXXX and XXXX or owe a debt to XXXX and XXXX is attempting to collect a debt on the basis of fraud. XXXX and XXXX has report false, derogatory, defamatory and slandering information about me to the credit Bureaus on XXXX and XXXX by which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! XXXX and XXXX decided to ignore my demands for Validation and put negative information on my credit report. XXXX and XXXX has report defamatory information about me to the XXXX credit bureau on account. Breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX and XXXX. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX 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: Reporting company used your report improperly

In accordance with the Fair Credit Report Act XXXX ACCT # 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 states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Personal information

A name on my credit report is wrong - I have never been XXXX XXXX - please remove.Names Reported XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I did not ask for a security freeze to be put on my credit The problem is the verification/validation Equifax did not verify the XXXX XXXX collection and XXXX XXXX. account on my credit. XXXX is not a valid form of verification. XXXX XXXX and XXXX XXXX is third party collection agencies they do not have my full social security number. Identity theft is so easy especially through the hacking of computers. I have contacted XXXX XXXX with a validation letter and have not gotten a response so therefore I know you did not contact them verbally and speak with someone because I was told that the Equifax representatives are not allowed to call the creditors nor the collection agencies. I sent Equifax a method of verification form that was never filled out.. Once again XXXX is a web based automated system the Equifax use . That is not verifying this account. I will be contacting the president of Equifax XXXX XXXX XXXX if these accounts are not removed immediately. The accounts not verified nor validated are XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Investigation took more than 30 days

I just received notice on my complaint filed XX/XX/2022 CFPB # XXXX that the company needs 60 days to respond and or investigate my complaint. This is unacceptable and a violation of the FCRA which states they have 30 days to respond.
Complaint sub-issue: Debt is not yours

Received notification that a negative report was received on my credit by credit monitoring. XXXX XXXX was reporting that I owed a debt that I was not aware of. I disputed the debt after which time I received correspondence from the collection agency that I owed a debt with XXXX XXXX XXXX I do not owe XXXX XXXX so I sent the collection agency a debt validation request via certified mail. I received notification that my correspondence was received by the company on XX/XX/XXXX. In the meantime I have a wireless account with XXXX since XXXX and that is paid timely via autopay. On XX/XX/XXXX I purchased another from from XXXX, paying in installments payments but I did not activate it because the phone is supposed to a XXXX gift for my XXXX. On XX/XX/XXXX I contacted XXXX to get another line so the new phone could be activated and to port over my grandsons number to the phone so he could have it for XXXX. I was told by the representative that a restriction had been added to my wireless account so she could not allow me to have another line, even though I have a wireless account in good standing. The representative preceded to tell me that I owed a balance ( over XXXX ) on an internet account with XXXX. I informed her that I have never had internet with XXXX. So she placed me on hold came back the phone and told me that it was XXXX for an account back in XXXX. I let the representative know that I did not owe XXXX anything and I had disputed this allegation and has received notification that they had received my certified correspondence. At time the representative got XXXX recovery on the phone. The recovery representative informed me that her records show that I owed XXXX. I once again explained that I did not owe XXXX anything and that I had disputed this charge. She asked me for the certified notification number, which I provided to her and the date of XX/XX/XXXX which was the date it was signed for and delivered. She placed me on hold and came back to tell me that there was nothing she could do because the account was closed and showing XXXX balance so I needed to contact the collection agency. Stated the restrictions was placed to prevent me from opening an account. Both myself and the XXXX XXXX representative was trying to explain that I already had an account, I was just trying to get another line in my existing account. At that time I was told the a XXXX XXXXXXXX would call me back in XXXX hours to see if they could help me. Today is XX/XX/XXXX and I have not heard anything from anyone and is XXXX of the reasons I am filing this complaint. The other reason is that I dont owe XXXX anything but they have placed a restriction on my wireless account, closed the account, wont lift the restriction but turned me over to an outside collection agency. 
I should be celebrating this time of year with my family but instead I am having to file a complaint regarding money that I dont owe
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 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.
Complaint sub-issue: Account status incorrect

I have secured credit card from XXXX XXXX XXXX serviced by Elan Financial Services. Made ACH payments to pay credit card payment. The lates were caused by error on behalf of XXXX XXXX XXXX.
Complaint sub-issue: Account status

After reviewing my Equifax credit report I see they are reporting a satisfied judgement with an open balance. I contacted them and they stated that the judgement is shown as satisfied but they have not changed the balance to XXXX to reflect the judgement was paid. XXXX is reporting it correctly and XXXX has stated they will be updating their report to indicate the judgement was satisfied in full and no balance should be indicated in my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

SENT IN A COMPLAINT ORIGINALLY ON XX/XX/2029 AND RECIEVED THIS GENERIC RESPONSE : *Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. * I've sent in a request to remove inaccurate fraudulent information to all 3 credit bureaus. Equifax is the only CRA that verified the information as accurate which they did electronically, which I stated I did not want them to do, since the information will match up do to my sensitive personal data being compromised. I've called, faxed and mailed in information to Equifax to support my claims but to no avail. My calls are routed to a call center outside of the USA, and they are not much help and can never locate the information I've mailed to XXXX, GA. I stated over the phone and in previous letters that I am not submitted a normal dispute, I am reporting fraud, and would like the account removed. I've consulted with each furnisher in question, and they are aware, however Equifax continues to report these accounts, no other bureaus do.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have sent several letters to remove the dispute comments from two accounts on my Equifax credit report and they have failed to do it. The two accounts are XXXX  XXXX XXXX - XXXX and XXXX XXXX XXXX - XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i was reviewing my credit report and notice unauthorized inquiries on my credit report