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

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the XXXX XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting incorrectly to Equifax and XXXX that I am an Authorized User on XXXX Card - partial account number XXXX. ( Please see page 10 of the attached credit report. I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX   have not removed this from my report. I have contacted the two bureaus to fix this issue. The incorrect reporting is harming my credit score.
Complaint sub-issue: Information belongs to someone else

Ive contacted the company numerous times with no resolution on a XXXX XXXX account. This account is fraudulent. I have also Contacted all Three credit bureaus and only XXXX  has responded and stated to me to contact the company. 

I have yet to receive a response from XXXX  and equifax on this matter
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I ask you for help with the agency XXXX, I sent a letter more than 3 months ago to request have remove more than XXXX credit inquiries that I have not recognized, and which I have not done or made. I don't know from where I have so many credit requests. 

I have Attached the report, as well the same was sent to XXXX  with a signed letter, with copies of my documents. And where did ask please to you remove all details of credit requests or credit inquiries. Which they have not done so far.
Complaint sub-issue: Attempted to collect wrong amount

My sister was told, if she paid this amount ... she would not owe anything else as she is going to school. The loan would be deferred until she finishes college. She paid the {$50.00} but, it was only to stop them from calling for 10 days. They lied! Now they keep calling saying we owe money and that we have to pay it. They are lairs, the money should be put in deferment until she finishes school. They they said. I am the co-signer and they keep calling both of us after we both said stop calling.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Account information incorrect

This account was originally opened with a co-applicant my daughter to purchase her a vehicle. However shes filed bankruptcy and now its been closed on all 3 credit report agencies as a closed account with XXXX dollar balance however it is still showing up on mine as active even though the account is actually closed now per her attorney. The account was actually closed on XX/XX/2020. Please help me with getting this removed from my 3 credit agencies
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX # XXXX ; XXXX  # XXXX ; XXXX XXXX XXXX  # XXXX & XXXX ; XXXX # XXXX ; XXXX XXXXl # XXXX ; XXXX  # XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX XXXX XXXX  # XXXX Each of these companies has violated my rights per : 15 U.S.C 1681 Section 602A which states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : which states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) which states no consumer reporting agency may make any consumer report containing any of the following items of information : any 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: Information belongs to someone else

I just looked on my credit report and saw I have XXXX new accounts open on my report for credit cards on XX/XX/XXXX. I just paid off all my credit cards except 1, so why would I try for more, plus I don't work anymore to support payments for them so why would I try to get them. I already talked to the one that isn't XXXX  XXXX XXXX because I got a paper in the mail wanting more info about it and told them it is fraud. So I would like these looked into, and closed and taken off my credit report.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I have been a customer with CASH App for several years. I reserved a XXXX for my birthday event last night, XX/XX/24, at XXXX XXXX. I received an alert that my card was declined. So I tried again. No luck. I then logged into my CASH App account, and then I was made aware the account had been closed and the steps that I need to take to retrieve my funds. Meanwhile, my birthday event is going on and I was unable to attend. There was no way to contact anyone, other than clicking the Support button, which is only by email. I STILL have not heard from this company, and I have over {$2500.00} in that account. The app will not allow me to transfer, withdraw, or anything. I have XXXX small children, the holidays coming up, and no access to my funds.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2019 I contacted Equifax to inquire about my credit file being Flagged / Blocked I was Informed to submit/ FAX documents ( Birth Certificate, Drivers License, Social Security Card, and a current Utility bill ( for current address ) to confirm identity in order to remove FLAG / LOCK. All of the things that one would need to commit Identity Theft. 
As per request, I faxed over the required and requested documents on XX/XX/2019 at XXXX : XXXX Was informed that I would receive something in the mail that would confirm that the documents / fax was received. 
XXXX Tuesday, XX/XX/2019, I contacted Equifax to follow up on my request, on to be informed that Equifax did not have my faxed documents. 
I Inquired about that fax number and the representative informed me that she did not know the number that I gave her. 
Then I requested that Equifax search for the fax ( check the fax machines history and pull the fax from there. While Equifax did not directly say no, they informed me that the only way that they could help me was to resend the fax. In this day and age of Identity Theft and SCAMS, I am extremely RELUCTANT to resend anything to Equifax as CLEARLY they are NOT responsible! 
I am DEMANDING that there be some results and accountability for this issue. This does NOT instill CONFIDENCE on ANY LEVEL!!!! I simply want these issues RESOLVE and for Equifax to be RESPONSIBLE and ACCOUNTABLE for their actions, just as I MUST! 
They need to locate the original fax that I sent and use that. Until then because of their INCOMPETENCE, I must suffer? Perhaps I should charge the {$100000.00} per day for every day they all this issue to go unresolved. OR perhaps they need an XXXX XXXX XXXX for their employees.
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct 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
Complaint sub-issue: Information belongs to someone else

I am in the process of looking into buying a new home and was discouraged to find out that my credit has dropped immensely which is hindering my ability to close on my home. I am writing this due to non compliance with XXXX, Equifax, and XXXX. They have failed to remove information that was affiliated with personal details that were INACCURATE and challenged in the past. I strongly believe that they are in violation of the FCRA ( Fair Credit Reporting Act ) and are outright refusing to to uphold the law.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCY DISCHARDED XXXX {$0.00}
Complaint sub-issue: Reporting company used your report improperly

Macy 's Account Account balance {$1700.00} Acct # : XXXX ( only have last four # ) In XXXX, I enrolled with XXXX XXXX XXXX XXXX XXXX  ) to consolidate and pay off all my delinquent accounts. XXXX tried on numerous occasion to contact Macys on my behalf, my account was not located per Macy 's, so XXXX dropped Macy 's off the program. I graduated from the program in XXXX, my credit has built up and in the process of buying a home. However, I was advised by the lender on XX/XX/XXXX that on XX/XX/XXXX, XXXX put {$1700.00} on my credit report. 

I contacted Macy 's XX/XX/XXXX to see how best they could assist me. I was advised by the representative that its an old account of 7 years and they can not make any negotiation at this point. All that's required from me at this point was to pay the amount in full and mail check/money order to there AZ office XXXX 

I think this is very unfair to consumers, because this account has reached its statute of limitation and several attempts was made to settle this account. Macys need to do a better job in training their out sourced staff, because if took a very very long wait and patience to get this information.
Complaint sub-issue: Problem accessing account

I have attempted to receive the tax documents needed in order to file taxes for a trust I manage. I have contacted the institution and was advised they would be emailed, only to be called by a different department that they dont have access. I have been denied online access to the documents and have been given misinformation and the run around denying me access to the required documents.
Complaint sub-issue: Need information about my balance/terms

Mohela has all different charges, Why are they all different? I took XXXX courses at a time@XXXX for XXXX courses. XXXX course to make XXXX. Then I got a XXXX pell grant. That should be XXXX that I had left to pay. Since they say they are XXXX and they say ( charging late fees ) I have seen quite a few times the last few months. This late fee is usually done once a year at the end of the year. I would like to see where these charges came from, since XXXX was closed for taking student money. I was notified by another College that told me they were trying to contact anyone and cancel the loans.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom it may concern I was checking my credit monitoring app. and notice some inquiries that I did not authorized nor did I give anyone the authority to open any account in my name. I then sent letters to XXXX, Equifax and XXXX asking them to please!! remove this error off of my credit report. I never got a response back, I then call Equifax and talked to a representative and she inform me that the inquiries will remain on my credit report for XXXX years I ask the lady why If I never applied for anything why would it stay on for XXXX years she said they do not have the ability to remove this from my credit report so I ask her can I speak to someone from the fraud department she said this is the fraud department and there is nothing we can do for you. The Inquiries are as Follow ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax deleted XXXXXXXX XXXX XXXX XXXX and XXXX XXXX then they Reinserted the collections without notifying me within 5 days of reinsertion violation of 15 USC 1692 ( c ) 805 ( b ) communication with third parties. Debt collector must have your prior direct consent or a court order to communicate to anyone about a debt. This includes credit reporting agencies. Also use 15 USC 1692 ( k ) 809 ( a ) validation of debt. They MUST Validate all debts! If not permanently removed by equifax. I will seek litigation and file a lawsuit. Equifax will be charged with preventing furnish from reporting debt on credit profile. The courts would rule in my favor examples XXXX XXXX EQUIFAX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I am XXXX XXXX. I am making a complaint to Equifax in regards to the account on my credit report called XXXX XXXX XXXX. I finally received the letter of verification/investigation results stating Equifax is not reporting the account. I am disgruntled with Equifax 's professionalism as you stated you are not reporting XXXX XXXX, however it is still on my credit report per myEquifax. 

Again, this violates my rights and is against FCRA and FCDPA. 
Not to mention this is way out of the 15 day window of validation, yet this is still reporting! 
I demand Equifax to update my credit report immediately and send proof of so via mail. 
Thank you,
Complaint sub-issue: Personal information incorrect

XXXX, XX/XX/XXXXXXXX  Via Certified Mail Equifax Information Services, LLC. 
XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX : Inaccurate Residential Address Listings - Equifax Willful Noncompliance to Correct Issue To Whom It May Concern : On Thursday, XXXX XXXX, XXXX, delivered to your office was my initial certified plea to remove the incorrect residential addresses that appear on my Equifax ( EQ ) credit report. Yet, concerning I never received a Notice of Results of Reinvestigation. Consequently, on Thursday, XXXX XXXX, XXXX, you received a second appeal asking that the inaccuracies be corrected. And, appropriately the response dated XXXX XXXX, XXXX, reflected that 6 out of the initial 10 listings had been expunged. 

However, upon reviewing my XXXX XXXX, XXXX, EQ consumer history, there are once again 10 erroneous entries, of which six ( 6 ) have the same XX/XX/XXXX, Date Reported ; which is noticeably wrong, as I couldnt have lived in 6 different places at the same time. 

Therefore, because this is my third ( 3rd ) correspondence asking that you uphold your legal obligation under the Fair Credit Reporting Act ( FCRA ) to report complete, and accurate information, I have also escalated this matter to the respective agencies that appear in the CC portion of this letter. 

Hence, to reiterate, as noted on the enclosed infile pages, ALL mentions that are labeled INCORRECT are misstatements, as I NEVER LIVED AT ANY OF THESE ADDRESSES ; and per the FCRA should be deleted. 

Finally, failure to provide such validation may abridge such rights. However, erasing the highly questionable credit bureau reporting, and furnishing me with a corrected consumer file, as a result of the reinvestigation4 will be acceptable in lieu of further legal action. 

In conclusion, I want to thank you once again, in advance for upholding the letter and spirit of applicable statutes.
Complaint sub-issue: Information belongs to someone else

I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Complaint sub-issue: Information belongs to someone else

My personal information, birth certificate drivers license and social security card was stolen I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} Inquiries Name Type XXXXXXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter XXXX XXXX XXXX Credit card Closed XXXX XXXX Credit card XXXX XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX  Installment Closed XXXX Installment Closed XXXX / XXXX XXXX Closed Deptednelnet Installment Closed XXXX XXXX XXXX Credit card Closed Us Dept Ed Installment Closed XXXX/XXXX Installment Closed XXXX XXXX Credit card Closed XXXX/XXXX Installment Closed XXXX Collection Closed Please investigate this matter immediately remove an inaccurate information
Complaint sub-issue: Company closed your account

I have been a Citibank debit card holder for around 1 year ( opened XX/XX/XXXX ). On XX/XX/XXXX I was restricted from accessing my account. I called technical support to see what the issue was. I was told " my account is subject to closure and you will receive a letter in the mail along with the funds in 30-60 BUSINESS DAYS. '' THIRTY TO SIXTY BUSINESS DAYS ... That is a long time to hold onto my funds without giving me a reason as to why my account is closed. 

Since then, I have tried to contact them on multiple occasions. On these dates, I called different citi departments who routed me to the risk department department ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

On each occasion, I verified my account, was told I would receive the letter in the mail in 30-60 business days and that they were going to hang up now because that's all the information they could provide. 

Why can I not get an answer as to why my funds are on hold and account is closed?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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. States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Public record information inaccurate

XXXX . report from LexisNexis is reporting an accident that i was not held responsible for it. i did sue cause i was hurt cause a driver ran a red light now i applied to be an XXXX XXXX and they have denied me.
Complaint sub-issue: Problem with personal statement of dispute

Solar Mosaic erroneously reported the account type as a mortgage as noted by XXXX instead of XXXX. The company agrees that the account type should be reported as a portfolio type = installment I and account type 9A secured home improvement. Further, the XXXX account does not constitute a lien on real property, this information can be found on section 7 of the loan agreement. The loan is secured by secured by a lien only on the Solar equipment itself we do not file a lien against the home.
Complaint sub-issue: Deposits and withdrawals

PNC bank issued me 2pin number for same debit card discriminated against me then closed my XXXX bank account with them 2diffrent pin numbers for the debit card and wouldn't correct the problem declined transactions everwhere
Complaint sub-issue: Information belongs to someone else

I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft : XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX