Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX  Account number XXXX, XXXX Account number XXXX, XXXX Account number Account number XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, have violated my rights. 
15 USC 1681 section 602H states I have the right to privacy.

15 USC 1681 section604A section2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Investigation took more than 30 days

On XXXX XXXX XXXX, I submitted a complaint through CFPB about Equifax reporting numerous inaccuracies on my credit report. The complaint was received by Equifax on XXXX XXXX XXXX. Equifax responded on XXXX XXXX, XXXX, stating that they would not respond to my complaint via CFPB portal because they suspected that I was using a credit repair company, which I have not, and that Equifax will send me the results of the investigation to my mailing address. I let a week go by and still I had not received the results of the dispute I submitted. On XXXX XXXX, XXXX I called Equifax and asked them why I had not received the results from my dispute that they said was going to be mailed to me on XXXX XXXX, XXXX. The customer service rep stated that they just received the complaint on XXXX XXXX, XXXX and the dispute should be completed by XXXX XXXX, XXXX. This is ridiculous and I believe Equifax is using a stall tactic to give themselves more time. I t has been 30 days since Equifax received the complaint through CFPB and these disputed items should be deleted immediately.
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that Equifax continues to report on my credit file : Bankruptcy Case ID # XXXX Equifax listed XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. 

I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my Lexis Nexis credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documented per our conversation. 

Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. 
I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Equifax 's so-called " verification '' on XX/XX/XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. 
Thank you
Complaint sub-issue: Information belongs to someone else

inquires ftc violations 
capital one 
XX/XX/2020
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department and sent a copy of the police report and case number to XXXX XXXX, Equifax and XXXX in regards to a fraudulent account and hard inquiry listed on my credit report. The following fraudulent account and hard inquiry do not belong to me : XXXX XXXX XXXX XXXX XXXX, {$5100.00}, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX
Complaint sub-issue: Deposits and withdrawals

I opened an a new savings account ( a check for {$2400.00} ) at Citibank with the branch manager - XXXX XXXX on XX/XX/XXXX. The branch is located at XXXX XXXX XXXX, XXXX XXXX, NY. ( I have a copy of the deposit slip and cancelled check. ) I have other accounts with Citibank for many years. In XX/XX/XXXX, I realized I had not gotten any statements from the bank on this account and I went to see Mr. XXXX. He said he had no record of the account and said he would investigate it. In XX/XX/XXXX I  stopped in the bank, and Mr. XXXX said I should have gotten correspondence saying it was being investigated. I never received correspondence. On XX/XX/XXXX, I went to the Citibank branch on XXXX XXXX XXXX and was told that I should speak to the branch manager at XXXX XXXX XXXX. I have made numerous calls to Citibank and get transferred to various people who do not help me. On XX/XX/XXXX, I was told that a case research XXXX XXXX ( Executive Response Unit at Citibank ) was going to investigate and to call in a week to 10 days. I called on Monday XX/XX/XXXX and today XX/XX/XXXX and left messages. He does not return my calls. I went to the XXXX XXXX XXXX Citibank today and was told that my funds must have been turned over as unclaimed property, but they have no record of this. I called today and spoke to Client Relations at  Citibank and they finally opened a case ( # XXXX ).  Client Relations said that the Executive Response Unit had  closed the case without any explanation.
Complaint sub-issue: Problem with statement of dispute

XXXX XXXX admitted that they were taking off my other credit reports after complaining to both XXXX and XXXX. Both of those credit bureaus plus XXXX decided it was wrong information. The reporter XXXX XXXX previously reported to this same Consumer Financial Protection Bureau as well as XXXX and XXXX that they were deleting this line item as it was false. XXXX XXXX even threw in the towel on these and stated that they are taking it off. It is evident that this was a commercial debt to a different company that XXXX Bought and tried to stick to my personal record even though it was a corporate debt with a different tax ID. The last attachment shows XXXX taking it off even without CACH throwing in the towel. Under my rights under the FCRA Equifax the only remaining credit bureau carrying this false information should investigate and take off immediately. For the last 2 years this has been reported wrong and I really do not want to take all parties to court. Yet we have all documents that prove XXXX is wrong oin ever putting this on my report
Complaint sub-issue: Was not notified of investigation status or results

XXXX, XXXX  & Equifax is who this complaint is about. They are reporting that I owe debt on my consumer report which is a violation to my consumer protection laws untie the United States Code Title 15 Chapter 41. There is not one law that states that I am obligated to pay a bill. As I read over all of the laws I havent found any laws that pertain to a natural person that State they are obligated to pay debt. If there is a law and I missed it please inform me. Also the TRUTH IN LENDING LAWS define the term credit as defined the right granted by a creditor to a debtor. Under the FDCPA definitions the term creditor means any person who offers or extends credit creating a debt. I am the credit and I extended it. I am the original creditor not the corporations who sold you my information which is also violating my consumer protection laws because I did not give them permission to sell my personal information and I did not give you the credit bureaus the right to furnish a report on me. I demand that all of the accounts I have listed on my letter be deleted ASAP! Or I will be seeking remedy.
Complaint sub-issue: Information belongs to someone else

Equifax is in direct violation of section  605B  of the Fair Credit Reporting Act for your continued willful and negligent of noncompliance of secti on 605B of  the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within  four  business days and to promptly notify the furnisher (  s  ) of that information. Here it is the  XXXX  of  XXXX   XXXX  and it still show on my update report on     XXXX   XXXX   XXXX   account.     Now as I rea d 605B th ere are only  XXXX  reasons a CRA can refuse to block :  1. If the request is made in error. ( It 's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If  they had knowledge the consumer received goods or services with the transaction ( again, how could a CRA have any knowledge to thi s one w ay or the other ).     They have violated me on at le ast 14 separate o ccasions according to you own records ( see attachment previous disputes confirmation number s )  from  XXXX   XXXX ,  XXXX  thru the present. The fact that they have ignored my request to block or verify the disputed account is evidence that they can not and did not verify the disputed account like they said they did or act incompliance with the law. Their failure to delete or block the disputed account aft er three written requests is also evidence of their willful disregard of Federal Law. They say that they have reinvestigated these accounts but you ve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation o f 1681 ( a ) ( 4  ).     Equifax bears grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. If they can not verify this account they are required to promptly DELETE this information. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I  XXXX  be entitled to under Section  616 and Section 617  regarding your continued willful and negligent noncompliance.
Complaint sub-issue: Overdrafts and overdraft fees

On  XXXX / XXXX / 17  a deposit was made for  XXXX . The deposit is made monthly to cover the BBT mortgage. No notification at the time of deposit was received at the  XXXX   XXXX  on  XXXX   XXXX  indicating that the funds would be held due to an old computer system being used. I did not notice until later when looking at my online account that the funds were being held. This deposit always clears during the nightly cycle. As such all transactions during that time frame caused the account to be overdrawn. The account experienced overdrafts of {$180.00}, {$36.00}, {$100.00}, and {$140.00} totaling {$460.00}. When I spoke with the branch I was told by the rep  XXXX  that they consider these held funds when taking the fund off hold. meanwhile, the funds had been withdrawn from my husbands account on  XXXX . This allows the money to be available t o BBT yet  not in my account. Additionally they now earned Overdraft fees by not releasing the funds for a week when they had them on  XXXX . I called to ask that the OD fees be reversed and they said they would only give  XXXX  dollars.
Complaint sub-issue: Funds not handled or disbursed as instructed

Approximately one month ago US Bank personnel embezzled, converted or otherwise unlawfully exercised dominion and control over, the complainants checking account as an unappointed fiduciary, overdrafting {XXXX}. 
Without the complainants consent, said personnel then tendered that amount to the XXXX XXXX  XXXX and thereafter imposed overdraft penalties on the complainants account in the amount of {XXXX}. 
Notwithstanding, the complainant recently deposited money into [ his ] checking account, whereat which time US Bank personnel excised the overdraft penalty fees fraudulently manufactured by them. 
Since then, the complainant has been reluctant to deposit any more funds onto [ his ] checking account, due to these unfettered actions, and the lack of procedural safeguards associated therewith. 
Nevertheless, through recorded conversations between the companies and the complainant it was determined that funds would be redeposited onto the complainants checking account and the overdraft penalties remitted.
Complaint sub-issue: Information belongs to someone else

Hi, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I am in the process of buying a house and can not do that and provide for my family with these inaccurate accounts on my credit report. Thank you.
Complaint sub-issue: Debt was result of identity theft

I have been a victim of identity theft, mainly by an unknown person in the XXXX area. This has been going on for FIVE years now. She applied for an apartment at XXXX XXXX XXXX XXXXXX/XX/2023. Somehow her application fees hit my credit report even though my credit is frozen so there is no way this application was able to be processed in my name and why the apartment failed collect her app fees up front. Furthermore, why did they pin her application fees to my social security number given by her when she couldnt unfreeze my credit for then to properly process. Negligent. Red flag.
Complaint sub-issue: Received bad information about your loan

My issue is with you as a Protection agency who is suppose to protect people from bad business practices and 11 years later, it seems that you are probably no more than an F with the BBB. Come on, the student loan SCAM has been going on for years and it still persists and the big question is why. The answer ... $ $ $ $ . There is no other way to look at this. People are sited all over the web on different sites explaining their personal stories and how theyve been misled and stalled when trying to address their problems and the shame is that they have to lean on you ... a created government body to help. Imagine that. Another government body that we have to use to get this done. When I used you for another company issue, you sent my complaint to the company and took their response, closed the case and that was your job completed. What a shame. Do something about the student loan scam since that was why you were created in the first place ... to go after businesses that XXXX people.
Complaint sub-issue: Problem with personal statement of dispute

On XXXX XXXX 2020, XX/XX/XXXX closed down all 5 accounts I have with them without notification. I received a letter from them with the reason of closing down the accounts. The reason is high risk of failure to pay with no credit agency reported as part of the decision. All accounts with XX/XX/XXXX were in good standing and never late paid. XXXX XXXX limit XXXX with Balance of XXXX, XX/XX/XXXXXXXX limit of XXXX with balance of XXXX, XX/XX/XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX. All said account are been paid accordingly. When these accounts were closed, it hurt my credit by -38 points. I tried to get a clarification from the grantor but none was ready to give me a good reason for closure of these accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX and Equifax, Equifax states to CFPB XXXX   not reporting but XXXX XXXX is stating Equifax is reporting to them and they can not remove it because they are not a credit Bureau enclosed is a letter showing that XXXX XXXX by reporting is a collection company and reporting company falls under the FDCPA and FCRA please remove this alleged account at once XXXX XXXX /
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I agreed with Homedepot to replace my roof in XXXX XXXX. I applied for their credit card because the interest free offer for 24 months. I charge {$11000.00} for the complete job on the credit card.

The job was not done and the contractor stop responding to my requests to complete the repair. I called all the contacts I have for Homedepot and no one responded so I tried to dispute {$2700.00} of the charge on the credit card but the credit card would not want to initiate the dispute. I came here and file a complaint ( XXXX ). The credit card responded by initiate the dispute. 

The letter stated that it will take 120 days, which has passed for the investigation. As of today, XXXX XXXX, I did not receive a corresponding that the dispute is resolved. I have called them continuously for an answer and they flaunted with me by saying they need three weeks more or three days more to give me a resolution of the dispute. 

Today they said that they sent a letter to me in XXXX ( which I never received otherwise I would not have continuously call ). The person answered the phone at XXXX said XXXX XXXX is not available but someone else said that the dispute was closed in XXXX in favor of Homedepot. 

However, I received a letter dated XXXX XXXX, XXXX stating the dispute is only for {$2000.00}.

Homedepot did not complete the work and a contractor will charge me {$2000.00} to finish the work. Initially {$2700.00} but Homedepot does not want to pay for a damaged Sky window their contractor cemented closed on the roof that got damaged when I try to open it on a nice day.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  TX XXXX XX/XX/2022 Dear Equifax, I, XXXX XXXX XXXX and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

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

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

Sincerely, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX  is report incorrect information on my credit report. The payment history for Nelnet Loan Services account is in correct. I am requesting that you deleted all Nelnet loan Services account.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX with a Original Balance of {$250.00} is being reported as multiple lines as if I have several accounts as well and the balance has not being reported correctly.This account has been paid in full since XX/XX/2020 and it has yet to be reported correctly. despite the submission of proof.
Complaint sub-issue: Account status incorrect

Violation of a code : A filed requirement or provision under the law. 
XXXX XXXX XXXX  willfully failed to comply with 15 USC 1681s-2 ( b ) under the FCRA and is liable under 15 USC 1681n ( 1 ) ( A ) to XXXX XXXX I am within the statute of limitations, per 15 USC 1681 p I am entitled to a private right of action The elements of my claim, factors that are met to make this claim is that I have disputed this info with the Credit reporting agencies. The Credit reporting agencies told you all ( the furnisher ), XXXX XXXX, and you as the furnisher investigated. The Credit reporting agencies failed to conduct a reasonable investigation. I have suffered concrete harm in damages due to this failed investigation. 
I, XXXX XXXX, the defendant am liable after a failed requirement and I am entitled to {$1000.00} per 15 USC 1681n. 
As far as damages, I have suffered statutory, actual and punitive damages. Statutory damages I am entitled to {$1000.00} per 15 USC 1681n ( a ) ( 1 ) ( A ). 
As far as actual damages, I have suffered denials due to excessive chargeoffs per XXXX XXXX and Credit reporting agencies inaccurate reporting and failure to perform a reasonable investigation per 15 USC 1681o ( a ) ( 1 ). If XXXX XXXX and the credit reporting agencies wouldnt have falsely reported a wrongfully charged off account, then I would never have been denied in the exhibit attached. 
To state a claim under 1681s-2 ( b ), a consumer must : 1. Alert the credit reporting agency or CRA of a dispute regarding the allegedly erroneous information that it reported.

2. Allege that the CRA alerted the furnisher of the credit information of the dispute, which triggers the furnishers duty to investigate. 
XXXX. Allege facts which show the furnisher failed to undertake a reasonable investigation of the disputed credit information and I have suffered damages because of that. 
And I have done all that, please see the attached invoice. These are serious violations of the FCRA and I now reserve the right to pursue legal action for this clear violation of FCRA! I demand that you immediately delete this account from my credit report or update it to paid in full and satisfied in order to avoid legal action, I will also fax this to the Consumer Financial Protection Bureau.
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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I requested that a fraudulent collection be deleted from my report. 
The Collection was from XXXX XXXX, AKA XXXX, AKA XXXX XXXX XXXX XXXX. 
The debt collector refused to provide any required info to dispute this debt correctly. 
The debt collector could not be reached even by legal means. 
I submitted a prior complaint to CFPB ( Complaint number : XXXX ) and this CFPB validated that the debt collector was fraudulent as they could not even contact the collector. 
I filed a dispute with all three credit reporting agencies and the results were as follows ; XXXX - Verified as fraudulent and deleted. 
Equifax - States they verified as good, not deleted. 
XXXX - States they verified as good, not deleted. 

I am requesting that both XXXX and Equifax delete this fraudulent debt collection from my credit profile for the following reason ; Both Equifax and XXXX did not verify this debt or the collector per federal law. 
The CFPB was not able to contact this collector and as such, it was not possible for XXXX and Equifax to contact the debt collector and they did not in fact verify the debt as this debt and the collector are fraudulent. 

Please reference my previous closed CFPB complaint # XXXX I have also attached supporting documents ; XXXX Report XX/XX/2018 XXXX XXXX XXXX Account ( part ) # XXXX and Equifax Report XX/XX/2018 XXXX XXXX XXXX XXXX ( part ) # XXXX
Complaint sub-issue: Account status incorrect

I checked my credit and found that XXXX XXXX XXXX  DID NOT remove he account as promised, if I paid the debt in full. Instead, they have reported it as charged off paid. That is NOT what was promised to me by XXXX XXXX, Sr Collector at XXXX XXXX. I want this account removed ASAP!