Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

? = Data Point is QUESTIONABLE in its reporting I = Data Point is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of XXXX XXXX Five points of compliance! 
M = Data Point is MISSING and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported! 
U = Data Point is else wise UNPROVEN, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported! 

RISE XXXX XXXX XXXX Account # : XXXX I U? 
Account Type : Installment I U?

Account Type - Detail : Unsecured loan I U?

Bureau Code : Individual I U? Account Status : Derogatory I U? Monthly Payment : I U?
Date Opened : I U?

Balance : I U?

No. of Months ( terms ) : I U?

High Credit : I U?

Credit Limit : I U?

Past Due : I U?

Payment Status : I U?

Last Reported : I U?

Comments : I U?

Date Last Active : I U?

Date of Last Payment : I U?

Two-Year payment history Month 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: Problem with fees

I opened my Citi Credit account on XX/XX/XXXX. I qualified for a special balance transfer APR and tried to submit a balance transfer from XXXX XXXX. Upon hitting the submit button, the website told me that my request could not be completed. Since I did not have the card yet, it would not let me create an online account to try to re-submit the balance transfer. 

On XX/XX/XXXX, I received my card. At the time, there was no balance transfer completed on my account or pending. I went ahead and submitted a second balance transfer since the first one did not go through. 

I woke up to a notification on XX/XX/XXXX that BOTH balance transfers were now pending on my card. I was charged TWO balance transfer fees. I immediately contacted Citi Customer Service and was told to contact XXXX XXXX since the balance transfer was pending to stop the transfer. Citi advised if both posted to my account that they would credit back one of the fees to my account. I contacted XXXX XXXX and was told that there was no way to stop the balance transfer at this point. 

I contacted Citi again and was told to contact them once I made a payment on my account and once the fees posted. I went ahead and dropped a large sum to cover most of the balance transfer. I contacted them again and was told that the fees were still pending. I contacted them after confirming the fees have posted and today XX/XX/XXXX, I was told that all 3 previous reps have given me false information as there is no way to credit me back a balance transfer fee and that it is my fault that I submitted two balance transfers. I asked Citi to please check all the messages on my account because they have clearly communicated to me that they would credit the fees back once posted on 3 separate times. Today, Citi Bank still fails to credit back one of these fees.
Complaint sub-issue: Account status incorrect

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. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. I have not received any response about the complaint I sent, dated XX/XX/XXXX. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Debt resulted from identity theft

I used to live a apartment called " XXXX '' in XXXX from XXXX to XXXX and when my least ended in same year XXXX I did n't renew the least and I gave the manager two months notice ahead. And told her I 'm leaving some of belongs in the apartment so you can donate to any charity you like and she agree to it. Also the manager she made me to not ask her the deposit money back. I said why? And she said I 'm going to clean towards the apartment. And I said fine, so then I left.
Complaint sub-issue: Public record information inaccurate

I disputed a tax lien on my credit on XXXX XXXX 2017 that I had no knowlege of and ask Equifax to remove it or provide me with the proper information about the lien which included all paperwork with my name, ss #, address, state id, and signature they did not provide any paperwork. They said, did an investigate through a third party XXXX  which in turned had no proof either. I ask them to please remove off my credit report because it was causing adverse affects on me get a job or a bank account. I went personal to XXXX County Clerk Office XXXX XXXXXXXX XXXX XXXX XXXX, XXXX TX XXXX which I do not live in and ask a clerk about the information and they said they could not give it to me if I was the person. I ask is there a social security number on the file they said no, it against the law to put on any document. So, I confused about their proof of who this tax lein belongs to and would ask the remove it off my credit immediately.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to XXXX and Equifax to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., 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 XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX File Number # XXXX i had disputed is account with XXXX /cfpb/ XXXX XXXX this account needs to be remove out of my credit report.for the following reason XXXX XXXX didn't provide me with 30 day verification Therefore i ask XXXX politely to remove this account. this account is not reporting Accurate information is not being reported to other credit bureaus please remove from my credit report asuna possible.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a dispute letter to XXXX  and Equifax about several inquiries that were not initiated by me. I ask for verification and validation of the information. I had an existing fraud alert on my credit report but still ended up with inquiries.
Complaint sub-issue: Reporting company used your report improperly

THE CREDIT AGENCIES FRAUDULENTLY CLAIMED TO HAVE VERIFIED INFORMATION THAT WAS NOT FURNISHED TO THEM AND THEY CONTINUOUSLY REPORT THIS INACCURATE INFORMATION ON MY CREDIT REPORT.

15 USC 1666 ( B ) 15 USC 1681 ( B ) 15 USC 1681 ( A ) ( E ) 15 USC 1681C ( A ) XXXX XXXX XXXX  # XXXX ACCOUNT # XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have spent dozens of hours and many months trying to resolve a very simple inaccuracy on my Equifax credit report. Today I got an email saying that my dispute had been resolved. I clicked the link to go to their website, but every time I enter the information to verify my identity, I am told that it does n't match their records. ( I 'm 100 % sure that the information is correct. It 's very basic information, just name, ssn, date of birth, and current address How could that not match their records? ) So, I decided to call them. After remaining on hold for about 10 minutes, my call was disconnected. 

I have been around and around this same process literally dozens of times in the last year. I refuse to sit on the phone yet again, waiting to talk to someone only to have my call disconnected again. 

Consumers like myself are at the complete mercy of big companies like this and their lack of reasonable customer service causes major life-changing upheaval such as not being able to qualify for a mortgage to purchase a home. 

Please help me get this resolved!
Complaint sub-issue: Investigation took more than 30 days

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Debt is not yours

This company is reporting a debt that is not verified. They have failed to provide information showing signature and have violated FDCPA LAW. We are filing a Lawsuit as well unless the accounts are removed.
 XXXX  Account Number   XXXX   Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI  XXXX  Ownership Individual Original Creditor - Company Sold-to - Original Amount {$28000.00}  XXXX  Account Number  XXXX  Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI  XXXX  Ownership Individual Original Creditor - Company Sold-to - Original Amount {$6700.00} Comments   XXXX   Account Number  XXXX  Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI   XXXX    Ownership Individual Original Creditor - Company Sold-to - Original Amount {$7800.00} Comments -
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX of 2021, PNC BANK, decided to place a hold on my account, without any explanation. There is actual proof that no letter was mailed out to my address regarding this hold, they never called me, or emailed me, to let me know the reason of this hold. 

I have over forty thousand dollars on my bank account, and they are all on hold without any reason. 

PNC is doing an illegal practice by using my money to lend out loans and buy properties, i am concerned they might be doing this to many clients. this is illegal and i will contact the news. 

I made a large deposit, which i understand can be hold while the funds are verified, the funds were verified within two weeks, therefore, there is no reason for the hold to be placed.

I have tried numerous times to solve this issue by attending more than five branches, where i verified my identity with my government issued identifications, there are recorded calls where branch managers call retail support confirming by identifications were ran through UV LIGHTS. 

I am sick and tired of waiting it is now 4 months that PNC has been holding my account without a reason without a judge court order. THIS IS ILLEGAL and i need my funds to be released.
Complaint sub-issue: Their investigation did not fix an error on your report

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated everything was accurate. Upon conducting my own research myself I found multiple inaccuracies on my report after they said they had verified everything. In particular, Equifax is reporting a collection account with XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX. Upon reaching out to the original creditor it was stated that the company did not manage the property and in that case does not have the right to demand funds for said property. I have never done business with XXXX XXXX XXXX XXXX. I've disputed this account as they have violated my rights in accordance to the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. In addition, I have various collection accounts that Equifax in particular are reporting that are not being reported with the other bureaus and per their policy it is stated that they use a joint notification system that operates worldwide in accordance with the other XXXX XXXX The collections on Equifax are not being reported on the other CRAs and should be removed immediately. The collections being called for immediate removal are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

The accounts below do not belong to me, I do not know whom they belong to, I have never done business with either of these companies. I have tried many times to have them remove this from all three credit reporting companies, and it has not been done, as of yet. This is stopping me from providing for my children and buying a home. 


XXXX XXXX XXXX Account Opened XX/XX/19 Balance {$12000.00} Account # XXXX XXXX Account Opened XX/XX/19 {$760.00} Account # XXXX
Complaint sub-issue: Account status

My credit score was increasing normally until XX/XX/XXXX with no hard inquiries made to it. When I verified it on XX/XX/XXXX, my scored hay decreased by XXXX with no statement or explanation reflecting the root cause of the reduction.
Complaint sub-issue: Didn't receive enough information to verify debt

Nelnet has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Account terms

The account is closed and is part of a bankruptcy but still has a balance. This same account has a " XXXX '' balance on other credit reporters
Complaint sub-issue: Received bad information about your loan

I started working with XXXX XXXX back in XX/XX/2018 I was told that if I made 7 payments of {$170.00} every 2 weeks then my loans would be completely discharged/wiped off my credit reports. That was a lie. 7 payments would have been a total of {$1200.00} but I actually paid {$2200.00} for a total of 13 payments. Nothing was taken off my credit reports. It states that I started working with them in XX/XX/2018. I called about everything and I was told " no that not true '' and " we have no records that payments were made '' I had to change my bank account information because they kept drafting my account. Everytime since I changed my bank account information they wont answer my calls or return my calls. And to this day it's still on my credit and they keep raising the interest rate on the loans. If something doesnt happen, I will switch companies. And please call me
Complaint sub-issue: Information belongs to someone else

The lawsuit alleges that XXXX systematically misdirected borrowers into student loan repayment programs and types of forbearance, which do not qualify for XXXX XXXX XXXX XXXX, which enables public servants to have their federal student loans forgiven after meeting certain requirements. 
{$2400.00} {$2000.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Equifax {$700.00} XXXX data breach settlement : all part of that
Complaint sub-issue: Overdrafts and overdraft fees

Several years ago I overdrew my U.S. Bank checking account, after paying the incurred fee I went to a local branch and enquired what I could do to avoid this in the future. I the banker said he enabled a feature of the account that I understood to be a type of overdraft protection where pre authorizations for transactions that were larger than the account balance would be declined. Additionally I was told I was signed up for email alerts about low balances. This past week U.S. charged me three {$38.00} overdraft fees in rapid succession, when I called U.S. Bank I was told my account was actually configured to accept transactions that would put the account in overdraft for a {$38.00} fee to extend that credit. This is exactly the situation I wanted to avoid by going into the branch and instead of limiting the overdrafts on the account it was instead configured to accept more overdraft transactions, each for a fee.I also want to note the three transactions for which the {$38.00} fees were levied were not recurring transactions but one time transactions which I fully expected to be declined if they would put the account into overdraft. Instead U.S. Bank not only allowed the account to go into overdraft but once it was in overdraft continued to approve transactions and charged a fee for each occasion. The U.S. Bank phone rep argued these fees were valid because U.S. Bank provided me with a service in the form of credit once my account was overdrawn, however I took explicit action to disable this feature and service and believe these charges to be highly questionable given these facts.
Complaint sub-issue: Information belongs to someone else

I was informed by my lender that I was not approved for a home equity loan due to some derogatory itmes listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Pleae remove the items as soon as possible. XXXX XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX 11XXXX {$530.00} XXXX   XXXX {$2300.00} XXXX  XXXX {$7700.00} XXXX XXXX XXXX {$10000.00} XXXX XXXXXXXX {$4200.00} XXXX   XXXX {$250.00} XXXX XXXX {$550.00} XXXX XXXX XXXX {$2600.00} XXXX XXXXXXXX {$4000.00} XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX   XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$950.00} XXXX XXXX  XXXX {$800.00} XXXX  XXXX {$4200.00} XXXX XXXX {$4000.00}
Complaint sub-issue: Account status incorrect

The credit bureaus are reporting a collections account that is damaging my credit preventing me from getting a job and apartment or any bank related products. I am writing because this collections account was settled by my insurance company and the initial debtor. The receptionists assured me that their clinic was in my insurance network so there would be no copay. A few months after my clinic visit I relized that said clinic had sent me a bill to satisfy of XXXX dollars.
Complaint sub-issue: Received bad information about your loan

i have repeatedly requested via phone calls and this forum for a complete breakdown and explanation of any and all payments received, fees charged, etc. on my loan.     i have received some paperwork but it does not include breakdowns nor explanations.     i 100 % disagree with the balance.
Complaint sub-issue: Personal information incorrect

Please update the following information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Employer : State Of XXXX Phone number : XXXX Please remove another other names, addresses, phone numbers, and employers Thank you!
Complaint sub-issue: Attempted to collect wrong amount

In XX/XX/XXXX, XXXX XXXX XXXX agreed to accept my daughter and I as new clients, knowing he was leaving the provider XXXX XXXX, approx 2 months later. 
We saw this dr twice, and received a bill for over $ XXXX a few months later ( XX/XX/XXXX ). I called the provider under which the dr was working, and I was told to disregard the bill as my insurance was not billed for an unknown reason. 
I never heard about this again until I called in XX/XX/XXXX to schedule an appointment for my daughter and I. My appointment was refused as the provider claimed I still had XXXX balance over $ XXXX. An appointment was booked for my daughter However, my insurance properly billed, and my co pay was {$40.00}. Same insurance, same providers. 
Not only did XXXX XXXX vanish sending no notice about any balance, but his termination with XXXX XXXX XXXX was abrupt, unnoticed and neither XXXX nor XXXX contacted me regarding this debt, that should have been submitted to my insurance as agreed, and which should have and would have been paid with very little owed by me. Today, my credit score is affected and in turn, my interest rates, my commercial lease amounts, and my credit offers. I am a business owner, a collections account with no notice, and in violation of multiple laws, is now damaging me. 
I submitted a dispute and it simply came back accurate. I received nothing more.
Complaint sub-issue: Information belongs to someone else

I lost my wallet somewhere in XXXX XXXX ever since I lost it years later I found out my credit history is weird so I contacted the credit bureau like XXXX, XXXX, XXXX for years they never do anything about it so thats why Im here making this complaint on those companies.
Complaint sub-issue: Information belongs to someone else

I have disputed with XXXX regarding authorized and fraudulent accounts activity, hard inquiries ony transunion report for the last 11 months with no success or resolution. XXXX refuses to delete incorrect information and accounts, inquiries that are not mine and also refuses to provide me with proof confirmed report after completing thier due diligence. I XXXX has repeatedly been asked to correct information on my credit report, such derogatories places a even gardree burden and we are desperately trying to recover from the pandemic. 
In the 11 months there has been 21 hard inquiries places on transunion report and despite the orher credit agencies Removing in accurate information transunion has yet to perform new diligence and and take the necessary steps that is needed to correct this ever