Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX 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. 
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 FRA, 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. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Complaint sub-issue: Banking errors

I had a Cash App account that I couldnt access due to not having the email or phone number associated with that account. So I called customer service and explained to them that I had refunds still coming into the account so I needed to be able to access this account to transfer the money once it was refunded to the account. The Cash App employee closed my account it has {$170.00} that they are refusing to transfer to my new account or give me the money in a check. I have provided them ID, all the account information, and now they are saying they will send my money to the unlaimed funds department for the XXXX XXXX XXXX  I have a reference # to track the refunds and they are still refusing to help me when their employee closed the account without my permission. The bank who issues Cash App cards is XXXX XXXX  and they wont return a call or help me at all either. I need my money please. 
Old Cash App tag XXXX XXXX New Cash App tag XXXX XXXXXXXX Refrenence # XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled and failed to protect my personal information, and failed to disclose when that information was compromised. I now learn on social media that my identity may have been stolen months ago, and I am left with the responsibility of monitoring my credit report closely and constantly, managing freezes and fraud alerts, and disputing fraudulent activity. As all of the information that the credit reporting system uses to identify me has been compromised, it seems as though I will be doing this for the rest of my life. This is an unfair burden placed on me by a company I never chose to do business with, and their handling of the breach ( which so far has been to do nothing, not even notifying people effected ) is absolutely unacceptable.
Complaint sub-issue: Debt is not mine

In XX/XX/XXXX, I received a letter from Professional Credit Services attempting to collect a debit in the amount of {$230.00} listed for collection by XXXX XXXX XXXX XXXX XXXX. I did not incur this debt. 

I immediately sent with a letter to dispute the debt and to request debt validation. I sent the letter via Certified Mail. I have a return receipt showing Professional Credit Services received it on XX/XX/XXXX. 

In the meantime, I sent an email to XXXX XXXX - XXXX XXXX XXXX. I wanted to know how an account was established in my name when I never applied for it. 

XXXX XXXX XXXX at XXXX XXXX - XXXX responded to my email. She said someone drove into a transfer station on XX/XX/XXXX, dumped a load of solid waste, but could n't pay the fee. The transfer station had to open an account to collect the fee at a later date. 

The transfer station used a vehicle registration to open the account, but I no longer owned that vehicle. I sold it on XX/XX/XXXX. I informed XXXX that I had submitted a properly filed Report of Sale to the Washington State Department of Licensing on XX/XX/XXXX, and that I can not be held responsible for a debt incurred on XX/XX/XXXX. XXXX XXXX informed me that Professional Credit Services have to substantiate that. 

On XX/XX/XXXX, I mailed another letter to Professional Credit Services via Certified Mail. The letter included a detailed explanation of how the debt came to be put in my name. I also provided adequate proof that it was not my debt. I included a copy of the Report of Sale as evidence that I did not own the vehicle when the debt was incurred. I also provided a copy of the Bill of Sale bearing my signature and the signature of the new owner. 

I have a Return Receipt showing Professional Credit Services received my letter on XX/XX/XXXX, but on XX/XX/XXXX, I received another letter attempting to collect the debt. 

The collection notice included debt verification in the form of a receipt bearing a signature of the person who incurred the debt. The last name is not legible, but the first name looks like " XXXX. '' It 's not my signature and it 's not the signature of the buyer, XXXX XXXX, as it appears on the Bill of Sale. 

The debt verification also included a computer screen print showing the account information on file with XXXX XXXX XXXX XXXX. The driver 's license field is blank. XXXX XXXX admits that the transfer station did not obtain any identification from the driver. The account information shows a phone number, but the number has never been assigned to me.
Complaint sub-issue: Account status incorrect

Equifax continues to report an Illinois Child Support item to my report that is not correct at all. It is paid in full and has never been late ...
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX. I am sending this message in regards to the accounts & inquiries you are reporting inaccurately on my credit file. I am unaware of the accounts and it should be removed immediately. Please check the attachment section for a letter pertaining to unverified inquiries & accounts.
Complaint sub-issue: Trouble using the card to spend money in a store or online

A family member gave me 4 {$200.00} prepaid Visa card issued by US Bank. I try to use the card to make an online payment company and it failed. I try to use the card to pay for my car insurance and it also failed. For the past 3 week, I tried to login every few days to the online website XXXX per the instruction at the back of the card and always encountered an error message. The error message suggested I should call customer service to get the account balance. I called customer service last week and they gave me the balance and register my card to my address to enable online bill payment. This process took 20 minutes. The rep refer me back to the website to register card # 2-4 as she said US Bank only authorize her to register 1 card per phone call. I complaint about the site not working and she dismissed my comments and said other is saying the website is working. I tried to check my balance at the website again today and it still does not work. I called customer service again and after two minutes, a rep was able to give me my account balance and register 2 of the 3 remaining prepaid card. She would not register the 4th because she said US Bank only allow her to register 2 cards per phone call. I am past due on my utility bill and can not pay for my car insurance due to US bank 's website errors and restrictive customer service policy. US Bank sell prepaid cards to the underbanked population and deliberately put in obstacles for the average consumer to get access to their money. US Bank will charge a {$2.00} inactivity fee if the card carry a balance after 12 months. Due to the inability to use my prepaid card to pay my utility and car insurance billl, I have incurred a {$25.00} late payment charge and a {$32.00} NSF fee.
Complaint sub-issue: Account information incorrect

I have been in the hospital for the past few months and just came home yesterday with COVID and on life support. My husband tried calling XXXX XXXX to see what COVID protections there were. Since he was not on the account no one would talk to him. Now I have 60 days late on my credit report and who knows how much un fees!!! XXXX needs to fix this!! They need to remove the late reporting and waive the fees! Send me a bill of what I truly owe so I can find a way to pay!!!
Complaint sub-issue: Received bad information about your loan

XX/XX/2017 I had called about my student loan payments inquiring why they were taking {$79.00} one day of the month and XXXX $ another day. I was discussing with them my financial situation ( in terms of I want a one month payment possibly lower than the {$180.00} ) and the " loan professional '' suggested income drive based payment plan, which honestly sounded good since I was paying {$180.00} a month and I had recently lost my job. So they explained its based off the income NEVER that I was going to pay NOTHING towards my principal for almost a year. I am beyond myself, how could they not tell you " hey by the way you are only going to be paying interest are you sure you want to do this? '' I opted for auto debit therefore not looking at the breakdown until I did my taxes this year. I don't understand how they can suggest something like this when they are supposed to be helping my debt situation not making it worse. I requested a lower interest rate considering I wasted almost a year at paying interest only ( not even XXXX $ towards the principal ). How is that even a thing? I should have known better they these people are snakes but they do not teach you this stuff in high school, which is sad because hard working people like me get taken advantage of. Super frustrating and honestly sad.
Complaint sub-issue: Reporting company used your report improperly

I had a student loan and began XXXX XXXX for HVAC to begin a career in XXXX. We were expecting a child. My Girlfriend XXXX XXXX XXXX XXXX XXXX XXXX. I had to adapt to provide and care for My Daughter. That was the reason for that time frame of neglect. They took My Federal Taxes to pay this. Several years of this and its paid. XXXX I had received most of my Fed Taxes. XXXX All of My Fed Taxes. Now that 12 years later, I've worked hard to rebuild a life, these marks effect me and my family growth. 
over the years I have attempted to resolve this with them on the phone and disputes. I get a run around. I have 1 student loan and they made 4 damaging marks from it. all bearing same account number. I have to mention that I feel attacked by them from this. For years I paid thousands and thousands from my federal taxes and they still show up I owe? docent seem right. People in these situations are down. They know that. But, I never gave permission/agreed to open one or multiple improper accounts bearing my name and info. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C.1681 section 602a states I have rights to privacy.

15 U.S.C. 1681section 604 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


( the account # s were from my report printed out and showed the XX at end. provided by XXXX. ) Account name U S DEPT OF ED/XXXX Account number XXXX Balance {$8600.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX
Complaint sub-issue: Debt was result of identity theft

The account is not my account and I have never had any business with XXXX XXXX XXXX or Jefferson Capital System. 
I sent a letter regarding a debt collection attempt for XXXX XXXX XXXX indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
Complaint sub-issue: Information belongs to someone else

I have disputed an item on my Equifax credit report several times. It is a fraud account for XXXX XXXX XXXX for an address i never lived at. I have faxed to Equifax the FTC report along with my Id 3 times in the last month and they always advise the pages are blank. XXXX XXXX account has been removed from XXXX  and XXXX but Equifax still has it listed. I have called Equifax and XXXX XXXX XXXX  several times in the last 4 months and nothing has got done about deleting the file from my report. The account was opened XX/XX/2018 and has a balance of {$350.00} due. My address is XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX where i have lived for over 20 years, the address that is on file for the XXXX  XXXX is XXXX XXXX XXXX XXXX Va XXXX.
Complaint sub-issue: Old information reappears or never goes away

Jefferson Capital System XXXX XXXX {$2300.00} Shows this account was opened in XXXX of XXXX  and that is incorrect this account is old and dated back to XXXX. The amount is also incorrect. I have disputed this with XXXX as well as Jefferson Capital and no action is being taken. This should no longer be on my credit account. I at XXXX point got a response that information was correct I has submitted but was never removed from my credit report. 

XXXX XXXX XXXX Bank XXXX {$460.00} This account also has in correct dates and is too old to be on my account I have filed several disputes with nothing being done nor even a response.
Complaint sub-issue: Old information reappears or never goes away

Please remove this account from my credit report XXXX XXXX XXXX, here is a copy from XXXX XXXX XXXX asking you guys to remove it from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Crediting Act XXXX  Account NameXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, ( XXXX ) 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 an account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

An account on my equifax report has been disputed twice once last year and again in XXXX of this year and it is for XXXX XXXX XXXX. The company either never responded to the dispute of equifax did not reflect any changes to the account. It still shows n/a for amount and date of last payment but shows I was over 90 days late. If the creditor did not reply within 30 days to validate the debt from the credit bureau then it should have been removed a long time ago. I would like for this item to be removed from my credit report immediately.
Complaint sub-issue: Account information incorrect

I opened a car loan with Ally Financial in 2018. Less than 6 months later the vehicle was totaled in an accident. The accident was immediately reported to the authorities and my insurance company. The next business day, it was also reported by me to the bank. I was told after I was placed in collections that the full balance of the loan would be fulfilled with the GAP insurance coverage. This was not the case. I have attempted for the last 2 years to have this account rectified. It is being reported as a charge of for the full amount of the loan, over {$15000.00} and GAP only covered about 50 % rather than the full 100 % as I was told by Ally. Suddenly Ally has no record of this account either in the service end or the charge off department. Nobody can explain to me why theres no record of this account yet its showing as a charge off with half of the balance having been paid. Its also not reflecting the payments that were made in the few months prior to the accident. I cant get this issue resolved because Ally has no record of the account, so how is it being reported to the bureaus? I was told after GAP pays out, it would be CLOSED with a {$0.00} balance. Ally representatives were very misleading! Unfortunately this is not the only horror story with Ally, they should not be operational.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/2020 Ive made a several purchases on XXXX with my Discover *XXXX  card. All of the purchased items have been successfully delivered to my business and home addressees in XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, respectively. Unfortunately, some of the items looked and performed not as it was described in the original listing. Therefore, Ive requested a return and a refund within XXXX XXXX 30 Days return, most of the returns have been honored as it reflects on my account. However, listed below items, havent been reimbursed : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  - {$570.00} 2 ) XXXX XXXX XXXX XXXX - {$160.00} 3 ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX - {$250.00} 4 ) XXXX   XXXX XXXX  XXXX  - {$160.00} Ive filed a dispute on Discover website and attached as a supporting document ( for your convenience, Ive attached a copies of these again ) copy of return shipping label issued and approved by XXXX, as the reference for this return as well as XXXX is listed below. 

Ive thoroughly reviewed documents, provided in merchants rebutting and would like to point your attention to the facts in these papers, such as. In each .pdf XXXX shows that the return tracking numbers are matching the return tracking numbers attached by me and shows successful return of packages FROM NEW YORK STATE ( where Im located ) TO KENTUCKY STATE ( where XXXX facilities are located ). In all of these pdfs you can see phrase return requested true altogether with a tracking description matching previously attached by me documents. Additionally, merchant attached copies of the original tracking information in the bottom of the rebutting documents, proving my address in New York and confirming the fact of the original deliveries, which Im not rebutting.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been requesting a specific detailed section from my LexisNexis consumer report. 
It deals with how information about my address history is collected in Section 2 of my consumer report. I have been requesting the detailed information as to how their company compiles this information, as the report itself states that the consumer can request this detailed information. They have continued to send me nothing more than additional chips of the same report. I have been requesting the further detailed report of Section 2, and they have failed for months at delivering this item to me
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 are the accounts that are reporting on my Credit Reports. 
XXXX XXXX {$7300.00} XXXX  XXXX {$470.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$11000.00} XXXX XXXX {$16000.00} XXXX {$0.00} XXXX XXXX XXXX {$4400.00} XXXX FUNDING XXXX {$480.00} XXXX XXXX XXXX {$760.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I recently rehabbed my student loans, and XXXX XXXX transferred and updated my accounts with the new servicers. They removed all but XXXX, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.
Complaint sub-issue: Reporting company used your report improperly

I sent out a letter off on XXXX XXXX here are my tracking numbers [ XXXX ] [ XXXX ] [ XXXX ] .To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Debt is not yours

My partner and I have both contacted Pro Collect in amount of {$470.00} located at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX attempting to Collect for XXXX Apartments. We left our unit clean and got an excellent report from XXXX XXXX. They kept our deposit for a stain on the 5 year old bedroom carpet. Within 30 days of move out we contacted the rental office and they had no video or physical sample of carpet replacement so we disputed the original deposit not being refunded. The debt was placed to a first agency and disputed and now another agency. We reported Pro Collect to Attorney General of Iowa and Pro Collect failed to respond to then timely. In addition Pro Collect is not licensed to conduct business in Iowa We dispute this debt and the collection of such. Please advise us of legal recourse we have to litigate and remove from our credit reports.
Complaint sub-issue: Information belongs to someone else

I have a Bankruptcy report on my credit report that don't belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have 2 XXXX accounts which is XXXX XXXX reporting to my credit. I should have only one. My card was stollen and XXXX replaced the card with a new card and number. Since then I have had 2 accounts with 2 different balances reporting to my credit report. I have disputed these items as well as contacted XXXX about this issue with no luck. This extra account is making my credit score lower as well as credit utilization higher and my debt to income. I currently am trying to refinance my house and the company keeps telling me that I have 2 open accounts with XXXX which is causing an issue as explained.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon return from Military XXXX, I was made aware of an outstanding debt with XXXX XXXX, a cable service provider I had service with, in XXXX TN. I contacted them and made payment in full on XXXX XX/XX/2021. Receipt provided showing the correct date. The following month I noticed XXXX XXXX XXXX ( XXXX  ), a collection agency for XXXX XXXX, was erroneously reporting incorrect information to my personal credit file. I have disputed this account multiple times with all three credit bureaus and XXXX has failed in correcting the erroneous information. Since XXXX continues to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, I demand deletion of this account and request your assistance in ensuring this action takes place. Thanks.
Complaint sub-issue: Debt was paid

The Bureau is reporting a debt owed to all three credit bureaus. The amount reflected is {$780.00}. I participated in a debt relief program through XXXX XXXX. All delinquent accounts were settled in full as a part of this program. While I was participating in the program XXXX attempted to contact The Bureaus for information to settle the debt and received no response. I have asked the company to verify the debt so that I can be sure that it is not a duplicate of one of the accounts that were paid during the debt relief program. I have not receive any evidence that I owe this debt.