Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

Equifax credit agency is reporting untruthful information on my credit report i have told them repeatedly that the birthday that is listed on my credit report is n't correct I have sent in my driver license and also my social security more than three time via mail in also email I sent all the mail certified also. I also had disputed some inquires that was listed on my credit report i told them that there where not mine in i dont even know have of the company that is listed they told me it was my job to call in ask the company to remove them i told them how can i ask them to remove something that i dont even acknowledge they then told me they the company is paying them to keep the inquires on the credit report in that why when we disputed the inquires we get a return result the next day. the inqures are   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: Old information reappears or never goes away

The XXXX account first date of delinquency is more than 7 years old the account has been closed and the account is reporting beyond the credit furnishing statute of limitations.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has been non-compliant with removing the unverified account DISCOVER BANK XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Public record information inaccurate

VIOLATION OF FCRA : REINSERTION OF PREVIOUSLY DELETED ITEMS, Section 611 Section 611 Section 611 ( a ) ( 5 ) ( B ) ( i ) ( ii ) ( iii ) ( ii ) ( l ) 611 Section 616 ( ( B ) Please see attached documents : Section 617 Exhibit-A - Public Records with wrong dates onXX/XX/XXXX ; Exhibit-B - No Public record on XX/XX/XXXX, were deleted ; Exhibit-C - Public records with the wrong date reappeared on XX/XX/XXXX ;
Complaint sub-issue: Information is not mine

I have advised Equifax that a XXXX XXXX account reporting on my credit report is not my account. I was listed an an authorized user without my consent. I submitted a dispute and Equifax refuses to remove this account from my report.
Complaint sub-issue: Reporting company used your report improperly

I have been dealing with ongoing identity theft for the past year. A scammer/fraudster was able to pull my credit reports through Credit Karma using my data. The only way I had found out was reviewing my credit report as a result of an alert from credit inquiries. There was a soft inquiry from CreditKarma.com which was odd as I had no prior account with Credit Karma. 

The scammer had created a Credit Karma account online and had already pulled my credit reports using the account. When initially creating a Credit Karma account, you just have to answer simple personal history information. I suspect this scammer used my stolen data or data curated on other freely available network ( ie., XXXX  ). In order for me to deactivate the fraudulent account and create my own account, I had to send in my Driver 's license and bill to verify with Credit Karma. Shouldn't this be reversed, where you send in your data to be verified upon account creation? Credit Karma inappropriately exposes my data to a scammer/fraudster without proper identification. 

Even site such as annualcreditreport.com uses the same method. Since there is no account creation on their site. It is even more difficult to tell if any scammers were able to gain access to my credit report. 

I believe the existing system of using only historical data to verify a person 's identity is highly ineffective and poses a security concern to all consumers. The person 's identity should be verified using current bill, driver 's license or ID.me which the IRS currently uses.
Complaint sub-issue: Didn't receive notice of right to dispute

Accessed my XXXX XXXX file and noticed that AMERICOLLECT who is a third party debt collector is reporting on the credit bureaus a medical bill from XXXX  XXXX XXXX XXXX XXXXA debt validation letter and cease and desist letters will be sent out to AMERICOLLECT, XXXX  XXXX and all credit reporting agencies disputing this inaccuracy on my and violations against me by the said companies.
Complaint sub-issue: Debt was paid

Purchased airline tickets on XX/XX/2021 with a payment made to the airline via Uplift , Inc. The itinerary was cancelled within 24 hours, after which according to the airline, a full refund would be processed within 7 business days. According to the airline, a refund in full would be made to the original form of payment, in this case to Uplift , Inc. 
Uplift , Inc has proceeded to claim that the money is still owed and accruing interest although the airline claims the refund was issued within 7 business days in accordance to the requirements established by the US Department of Transportation for operators. 
Uplift , Inc has been unlawfully attempting to collect a debt and accrued interest charges for a cancelled itinerary that followed all airline policies and US Department of Transportation regulations regarding this process. 
Uplift , Inc is deceptive and fraudulent in their practices because they claim interest is owed while awaiting refunds just like a credit card charge, and yet offer no protection such as allowing to dispute charges like a credit card does. 
It is suspected that Uplift , Inc may intentionally be misrepresenting balances owed and a supposed lack of payment from their partner airline in order to claim additional money owed from accrued interest.
Complaint sub-issue: Reporting company used your report improperly

In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction 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: Credit inquiries on your report that you don't recognize

after reviewing my credit report with XXXX, there are 14 Inquiries showing on my credit report. I only recognize 3 Inquiries that I actually gave consent to pull my report and that's XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX, and XXXX on XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Need information about my balance/terms

I was contacted by American Education Services. They say I cosigned a loan but they cant give me information because my birthdate doesnt match their records and i would need to send proof of my birthdate. How does a cosigner get approved with an incorrect birthdate. I have never been contacted till now. The applicant said she has received no statements in over a year at the time {$700.00} was paid and the statement said XXXX balance. Now they want to put me as cosigner on the hook for $ XXXX they claimed is owed after sending the applicant a statement with zero balance. 
If there was a $ XXXX balance why wasnt I or the applicant contacted for payment. They asked me to send a copy of official proof of my birthdate before they will release information to me as cosigner. When the credit check was run for cosigner that should have been a red flag that the birthdates didnt match and denied.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX and XXXX of 2021, I disputed there were several inaccuracies on my credit report with Equifax, XXXX, and Equifax. 

The spelling of my name was wrong. 
The correct spelling of my name is XXXX XXXX. 
There were old and fraudulent addresses still on my credit report. 
My current address for the past 13 years is XXXX XXXX XXXX XXXX, XXXX FL XXXX There are several inquiries on my report in which I have no accounts with, or havent had in the past. 
And there are closed accounts that I agreed with the creditors to delete when paid.
Complaint sub-issue: Reporting company used your report improperly

I 'm one of the 143 million affected by this massive data reach by Equifax. There really is no sure way of protecting yourself against something like this. There really is n't anything one can do to combat the effects and the actions of an incompetent organization like Equifax who does n't take seriously the security of its customers ' private information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom It may concern, I recently, reviewed a copy of my XXXX  credit report and { US BANK XXXX XXXX } ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Us Bank XXXX XXXX and investigate such occurrence.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX an identity theft victim. I am including my driver 's license, an Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit in where I detailed all of the charges that I did not make. I meet all of the requirements for the Block and Removal of information on my consumer report that resulted from identity theft under 15 USC 1681c-2.
Complaint sub-issue: Old information reappears or never goes away

EQUIFAX and XXXX Continue to List a XXXX XXXX  Card that was CHARGED OFF 7 Years ago for a Balance Amount that was {$240.00}, Because of FEES ; this was a SECURED {$500.00} Card with XXXX  that I CLOSED and asked that they pay off the Balance with Secured Amount- which they did MONTHS LATER- after Charging Fees, then CHARGED OFF the Account. There was a Balance because I did not receive a REFUND from XXXX when I moved across country. 
In XX/XX/XXXX, XXXX XXXX  STOLE Money from My Savings Account- and sent me a letter " Thank you for your payment '' ; they took funds to " Pay Off '' the Account they had CHARGED OFF Years ago- and NOW is Re-Aged as NEGATIVE ... 
I should not be penalized for 14 years for a SECURED Credit Card that XXXX mishandled. They have their money. 
I have US Mailed, and also Attached the Documentation to Web Disputes on MULTIPLE OCCASIONS- EQUIFAX & XXXX REFUSE to allow a NEW Dispute- and CONTINUE to Report this Account- NOW Re-Aging and Reporting as " Last Payment '' in XXXX. 
This Account was CHARGED OFF 7 Years ago- and they have the DATES Wrong- and they choose to put XXXX in XXXX of XXXX when the " First Delinquency '' as per XXXXXXXX XXXX  at the TIME was XXXX XXXX. AND it was CHARGED OFF in XXXX. 
This is XXXXXXXX XXXX  XXXX ending in XXXX. 
I have a Letter Dated XX/XX/XXXX FROM XXXX- stating that " account not open during requested time period ''. 
XXXX had maintained a {$5.00} Balance in my Savings Account- for Years- and only TOOK the Money for Credit Card AFTER they had applied the SECURED AMOUNT to the Card in XXXX, and AFTER they had Charged FEES, and then AFTER I had added to my Savings Account in XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax XXXX and XXXX Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX  an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax, XXXX and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XX/XX/2019 has violated my rights. 15 U.S.C. 1681 section 604 A States I have rights to privacy 15 U.S. C. 1681 section 2 : It 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 disappointed at the Credit Bureaus for doing nothing to remove the previously disputed Items completely from my Credit Report. I was a victim of Identity Theft and these items were incurred due to identity theft since I never authorized nor signed any paper which binds me with these items. How many letters do I still have to send for the Credit Bureaus to take action and have these items removed from my Credit report? I have read that th Credit Bureaus are required to remove any item that resulted due to identity theft within 4 business days. The last letter I sent to the Credit Bureaus was XX/XX/2022, a month had passed by already and upon Checking my updated Credit Report, I never seen any changes at all! I am persuaded to take legal action against the Credit Bureaus if they fail to remove the disputed fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX, XXXX, LA XXXX GXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}
Complaint sub-issue: Deposits and withdrawals

I opened a checking account with Bank of the West on XX/XX/2019 with the promotional bonus of {$250.00}. The terms of the deal required 4 consecutive months of direct deposit ( of {$250.00} or more each month ) starting the month after the account was opened. Once these requirements were met, the bank would credit my account with the {$250.00} bonus by XX/XX/2019. I have attached the terms of the promotion. 

I gave my employer my Bank of the West account information and they set up direct deposit to my new account, and I received deposits into my account on the following dates : XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19.

I did not receive a credit to my account by XX/XX/19. I called the bank on XX/XX/19 and XX/XX/19 to inquire about the bonus and they informed me that because there  was no deposit in XXXX, I did not qualify for the bonus. I provided my employer with the new direct deposit information on XX/XX/19, but direct deposit did not start on my account until XX/XX/19 because XXXX had to verify the account, so a deposit was not made in XX/XX/XXXX. I asked the bank to honor the promotion even though I did not have a deposit in XX/XX/XXXX because it was out of my control. 

I believe the requirement to have a direct deposit in the account the month after the account opens is not enough time, especially when the account is opened at the end of a month. The terms of the promotion are unfair.
Complaint sub-issue: Other problem

I have three credit cards with CITI bank. One is an XXXX card with an annual fee of {$99.00}. I'd like to close that card but move my credit limit from that card to one of my other two cards with CITI. They will not allow that. So my choice is either pay {$99.00} fee per year to keep it open, or close the account and see my overall credit limit significantly decrease, therefore damaging my credit score. 

I spoke with CITI on the phone today and then used the chat feature, but they simply closed my account, saying they would not move the credit limit to another card and they would not waive the fee.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

PNC lost the original Ohio Title. The new car was purchased in Ohio and PNC is the lender. PNC received the Ohio Title but has not forwarded the Title so it could be transferred to Pennsylvania and registered, plated, and inspected in PA. PNC has lost Title and continues to advise that it has been escalated and is being sent but we have to wait for the process. They now say they have the title but have no idea why it has not been sent to us. They cant advise of the process or provide an escalation contact. 
XXXX advised us that we can continue to drive the car with expired tags and it will be legal. We have called PNC 17 times totaling 23 hours of phone conversations and have been advised that they don't know what went wrong and they cant escalate any faster and that they do have the car title which needs to be transferred but even though it is perfected they have a process for mailing even though they have delayed 3 weeks. We have been forced to call every few days and sit on the phone for hours with no resolution. We have also been advised that it has been escalated to their complaint resolution team and they would contact us for resolution within 24-48 hours. The first complaint was 11 days ago and we do not receive returns calls or communication.
Complaint sub-issue: Information is not mine

Factual Data and XXXX put XXXX Hard Inquiries on my credit Report. My understanding is if you apply for a mortgage with multiple companies within a month, there should not be multiple inquires.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the  bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

I asked Hunter Warfield to only contact me by mail in a letter dated XX/XX/2022. They have continued to call myself and my husband, sometimes multiple times in one day, despite my request. They called me three times today, XX/XX/2022. I have also requested proof of a debt they claim I owe, for which I am not liable. They have not provided proof. I also requested information about their debt collection license, which they have also not provided.
Complaint sub-issue: Account status incorrect

Recently, I viewed my Discover credit report and found out that XXXX entered negative information about me that resulted in a XXXX point drop in my credit score. I called XXXX and informed them that their information was incorrect. I do not have an outstanding balance with XXXX and owe them nothing. They agreed and have stated that they will conduct an inquiry to try and get my credit score corrected. They said it will take two weeks. This is abslutely unacceppptable. I generally carry an XXXX plus credit score and XXXX careless mistake resulted in a dramatic drop in my good credit. Mistakes like this have real implicaations for consumers and it is wrong.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 



XXXX XX/XX/2021 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021