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

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Complaint sub-issue: Was not notified of investigation status or results

My personal information was stolen in the Equifax hack. The data breach was reported to have occurred in XX/XX/XXXX, and only now ( XX/XX/XXXX ) I am finding out about it.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Debt was result of identity theft

The company has sent me a letter for collections of an account that I do not know. The guy they say is on the associated # I do not know. They have failed to cooperate
Complaint sub-issue: Reporting company used your report improperly

One of these fraudulent accounts were removed initially in XXXX with an address of XXXX XXXXr, this account has popped up again because they went through a collection agency and that agency posted twice on my credit report You only deleted one. the second one I have no idea who they are. Per Equifax they have verify the account please send me that contract or whatever it is that you used to verify it with me. 


Ive called. Each time I hear a different story some say that they received it some say they havent received it since they received it and it was rejected they dont know why it wasnt rejected someones gon na call me in three days so Im say that its a fact that was received but only my ID and my social were attached some say they have to see report was attached but not my ID and social. Some say that my attachment wasnt in the initial dispute for my XXXX  every time I speak to the supervisor we get disconnected. I dont know what is going on but it almost seems purposeful. Im done. You have 15 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, Georgia XXXX XXXX RE : Cease & Desist From Collections Dear Equifax LLC On XX/XX/XXXX Below I have the following fraudulent collections on my credit file. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX. 
ACCOUNT : XXXX XXXX XXXX XXXX To submit my FTC report I've exhausted every avenue provided, phone calls, certified email, fax and submission via MyEquifax.com. None of those paths have elevated these fraudulent accounts and have had no response from your corporation. With the precedent of Michael Ruzbarsky v. Eqiufax and Barbara Williams v. Equifax, this is my last recourse. 

These collections cause me to suffer humiliation, embarrassment, emotional distress, physical discomfort and financial issues due to higher interest rates. 

I HERE BY DEMAND THAT YOU CEASE AND DESIST THE INSERTION THESE 2 FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. This notice will be sent via fax, certified mail and via CFPB. If action is not taken by you to cease and desist with in 15 days from the receipt of this letter, I will have no choice but to take appropriate legal action against you. 


XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This Is XXXX XXXX and I am submitting this CFPB Complaint in response to your recent investigation that took place on my credit record. I do appreciate the time you take in correcting some of the misleading information previously listed on my credit information. However I still need to assure complete accuracy on all items posted on my file. Therefore I ask you to provide me documentation regarding the precision of the items in question. YOU ARE REPORTING A DELETED ACCOUNT AND INFORMATION FROM THE OTHER CREDIT BUREAUS. UNDER THE FAIR CREDIT REPORTING ACT, CREDIT REPORTING MUST BE ACCURATE. Please conduct another investigation into the items below : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: No notice of investigation status/result

I have been disputing a public record since XXXX 2012. I do not know the supplier is with Equifax or others. I would have contacted them directly to remove the false record. When I successfully had another bureau remove it I had assumed all other reporting agencies would follow suit. I fear I am only requesting removal from the known XXXX bureaus and others may still maintain this falsehood. 
I am requesting this bureau to notify their supplier after they remove it from their records and XXXX other reports that should be removed or are no longer reporting a settled account. 
Thank you
Complaint sub-issue: Didn't receive terms that were advertised

I opened a savings promotion with Citi Bank and used a promotion which said that {$400.00} will be credited if i meet the criteria of maintaining a balance of {$15000.00}. Account was opened on XX/XX/2020 and said amount was deposited initially. I used the chat service, and customer care and was told that i met all the conditions and the amount will be credited first on XX/XX/XXXX, then XXXX XXXX and finally they opened the case. I was told that the case will be resolved on XXXX XXXXXXXX, then XXXX XXXX and again on XXXX XXXX. Finally on XXXX XXXX, i was told that case officer checked and mentioned that wrong promotion code has been applied. They are not giving the promised promotion amount and are coming up with false excuses every time.
Complaint sub-issue: Account status incorrect

I have been on auto-pay a very long time with Citicard. In XXXX of 2022 and XXXX of 2022 I contacted customer service to put me back on autopay. Both times they confirmed auto-pay was in place. 
On XXXX I paid Citicard in full for {$130.00} On XXXX Citicard reported me {$130.00} delinquent dropping my credit score XXXX  points. I have tried many ways to request they remove it from all credit bureaus. 
They have refused to do so. 
I have been denied credit because of this at least 6 times for new credit cards or debt consolidation or personal loans.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have multiple credit inquiries on my credit report that I did not authorize and it looks as if the same company ran my credit and then would wait a few months and run it again, But since XXXX of XXXX I have had XXXX new inquiries that I did not authorize and I got an email about the XXXX breach and I followed the link to see if my info had been XXXX of the ones affected and it was. I have since put a fraud alert on my credit but when contacting the collection agencies which I have several times they are no help and they just tell me that I have to wait 2 years for them to fall off. I have XXXX from XXXX XXXX being XXXX XXXX XXXX for XXXX XXXX. XXXX from XXXX XXXX XXXX and XXXX for XXXX XXXX, and XXXX from XXXX.
Complaint sub-issue: No notice of investigation status/result

I have tried multiple times to have this dispute resolved. I have disputed the Bankruptcy that is showing on my report and the Bankruptcy still remains. I would like for Credit Reporting Agency to provide their method of verification on this. I have already spoken with the court that is listed on the Credit Report and they deny supplying information to the Credit Reporting Agency as it relates to Bankruptcy. The Credit Reporting company claims to have received its information in speaking with someone at the Bankruptcy Court, but the letter attached proves this to be untrue. I have tried several times through this method and others to have the CRA provide me with their method of verification and they have failed to do so.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Hello, My BBVA Bank credit card ( ending XXXX ) had many fraudulent charges starting on XX/XX/2021. This was due to a massive breach affecting other XXXX accounts. 

I made numerous efforts to have XXXX acknowledge the breach, which they never did. I got some minor resolution and paid off the balance just to move on. I'm a XXXX XXXX, aged XXXX and didn't have the energy to keep fighting them. 

I requested to have the account closed and was assured it will be done, well prior to completion of acquisition of BBVA by PNC. 

This morning I started getting alerts from credit monitoring services that PNC has reported my credit card account as 30 days late and it has severely damaged my previously stellar XXXX credit record. 

I'm very upset at this terrible behavior first by BBVA and now PNC.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On Monday XX/XX/XXXX at XXXX I received a phone call from XXXX, after saying Hello several times and hearing someone in the background, then hung up. I called the number back and it was confirmed to by EOS CCA. On Wednesday XX/XX/XXXX they called again at XXXX, I gave the collector a verbal cease and desist, he paused then told told me 3 times he has no idea what I am talking about and hung up on me. On XX/XX/XXXX at XXXX I received another call from EOS CCA, I immediately asked for a manager and was transferred to XXXX XXXX  and told about about the verbal C&D, he also verified calls are recorded. He then proceeded with since we are talking already, can you discuss your account....I told him no and ended the phone call with another C&D.
Complaint sub-issue: Other problem getting your report or credit score

on XX/XX/2019 via XXXX Credit Card application decision ( denied based on 2 credit reporting agencies : XXXX, XXXX XXXX ). I was able to retrieve my XXXX credit report online without any problems. Since I have never heard of XXXX I faxed info for my credit report to them and have called them numerous times since XX/XX/2019 to see if they received the fax, yet no one answers at any time of the day nor have any of my msgs been returned. XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, CA. XXXX, Fax # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX, with a physical address online as XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX ). Also when I went online I found numerous people complaining about how they were scammed by this company. I have called them numerous times on XX/XX/2019 as well as on XX/XX/2019 without being able to reach anyone.
Complaint sub-issue: Received bad information about your loan

I received an email from XXXX XXXX on XX/XX/XXXX saying that " delinquency exists on the student loans you endorsed ''. 

I received the email the morning of XX/XX/XXXX and immediately called XXXX XXXX to inquire what this could be about, as all of my student loans are on autopay. XXXX XXXX services my two private student loans for American Education Services ( AES ) and XXXX. My loans under XXXX and AES are both on autopay each month for {$690.00} ( total ). 

I then called AES to see if they had any information on my " delinquency ''. Essentially, AES is billing my co-signer each month IN ADDITION TO THE PAYMENTS I 'M ALREADY PAYING, without my knowledge. When I called, I found out that my co-signer is paying my " outstanding balance '' of {$6.00} each month, which I should NOT have in the first place. 

Neither AES nor XXXX XXXX has their information straight and can not give me a clear answer. When I asked XXXX XXXX why they sent me a delinquency notice, they replied that they " do n't know ''.
Complaint sub-issue: Fee problem

I was watching my balance everytime i made withdrawals. I can see the pending and cleared charges. However, the system of the Citibank is not reflective of any incoming charges. There is enough money to cover everything then suddenly i was charged {$10.00} for using an ATM when I made withdrawals which I thin is an outraged! For two withdrawals i was charged {$10.00} and this did not show and does let you know when they are going to charged it. I was expecting a XXXX dollar fee or less like before but {$10.00} for two transactions is outrageous. Then the monthly fee of {$12.00} kicks it. However in their system they made it appear that my {$10.00} XXXX  transaction is the one that causes the {$34.00} insufficient funds fee. I had that transaction several days before i made the withdrawals. I know I have enough funds to cover those and will still be let with possibly XXXX dollar on my account. I THINK THIS IS NOT RIGHT THAT I WAS CHARGED {$34.00}!
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the inaccurate 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 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

One of my credit accounts is was not showing on XXXX,. I called my Credit Card company ( XXXX XXXX ) and they were able to immediately add me to XXXX over the phone. 

XXXX XXXX instructed me to contact Equifax and XXXX. I called both companies and received no help over the phone. I sent a letter to both Equifax and XXXX. To add my account to my credit report. 

I got a letter from XXXX along with a copy of my credit report showing that the account was added and was resolved. 

I got a letter from Equifax stating there was nothing that they can do and that I must contact XXXX XXXX. Well XXXX XXXX insists Equifax has to fix the problem. Clearly XXXX was able to fix the error with the information provided. I want to buy a house in two or three years time and I would like my credit score to be correct once I am ready to apply for a loan. 

How to I have someone at Equifax do their job and stop passing the buck. Bad enough they do not secure our personal information and have data breaches. 

Equifax, one of the three largest consumer credit reporting agencies in the United States, announced in XX/XX/2017 that its systems had been breached and the sensitive personal data of 148 million Americans had been compromised. ... The Equifax breach is unprecedented in scope and severity. 

Why does the Government not shut down this lazy hack of a company? 

How can I get this company to report accurate information???
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi priority account with {$700.00} welcome bonus on XX/XX/XXXX. XXXX. All the requirements were meet by XX/XX/XXXX. It has been about 60 days since both requirements were meet, however, the bonus has not been posted yet. Please ask Citi to honor the offer and post the credit as soon as possible. 

Here are more details. The requirement to earn {$700.00} bonus is to keep deposit $ XXXX within first 30 days of opening the account and maintain a minimum balance of $ XXXX for 60 days. My accounts have more than $ XXXX balance since XX/XX/XXXX. So, this requirement is fulfilled by XX/XX/XXXX. Please ask Citi to post {$700.00} credit as advertised.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX ACCOUNT NUMBER 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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Complaint sub-issue: Account status

Equifax mailed me a correction notice regarding my original complaint. This notice shows that they corrected a portion of my mortgage account, however, they are still showing me as 'late pay ' for XXXX, XXXX, XXXX, XXXX ; which is incorrect. The document I provided in my original complaint listed all my payments for those months and did not list them as late pay. 
Please see the attached documents, which support my payments for those months as current and paid 'before ' they were due. 
These companies are purposely reporting my credit/scores incorrectly due to the financial struggles I had after the market crashed in XXXX. 
They are in violation of the Fair Credit Act. 
I have desperately tried to rebuild my credit, yet I have to continue to fight with these companies to report correctly. This is not right.
Complaint sub-issue: Information belongs to someone else

FOR THE PAST FEW MONTHS I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. WHAT I DON'T UNDERSTAND WHY EQUIFAX IS THE ONLY COMPANY WHO REFUSES TO REMOVE THE SAME FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. XXXX  AND XXXX XXXX WERE AVBLE TO REMOVE IT MONTHS AGO AND EQUIFAX CAN'T VARIFY THE ACCOUNT. AT THIS POINT I AM NOT REALLY SURE IF EQUIFAX IS CREATING THIS FRAUDULENT ACCOUNT ON THEIR OWN. I HAVE GIVEN THEM THE CIVIL CODES WHICH STATES THAT THE ACCOUNT NEEDS TO BE REMOVED.
Complaint sub-issue: Investigation took more than 30 days

I've filed a dispute about my credit report and the incorrect items below stated on my credit report. Its been over 30 days since I contacted XXXX, XXXX, and Equifax, and have not received any investigation results back yet, so hence this complaint. 

Below are the accounts I have disputes with, please review and help me out with this. 
Thanks so much. 
XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Account status ( Closed ) {$2500.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account status ( Closed } {$3500.00} Date opened : XX/XX/XXXX XXXX XXXX Account XXXX Closed {$690.00} Date opened : XX/XX/XXXX DEPTEDXXXX Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan {$17000.00} DEPTEDXXXX XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$3900.00} DEPTEDXXXX  Account number XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$1700.00} DEPTEDXXXX Account number XXXX Account status : Open Date opened ; XX/XX/XXXX Account type Education Loan {$3000.00} DEPTEDXXXX XXXX Account : Open Date opened : XX/XX/XXXX Account type Education Loan {$870.00} DEPTEDXXXX XXXX Account status Open Date opened : XX/XX/XXXX Account type Education Loan {$3100.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account type Open account {$67.00}
Complaint sub-issue: Was not notified of investigation status or results

There are accounts under my name that is a result of Identity Theft as well as unverified items wrongly placed in my credit report. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet.i feel like im being taken advantage of. I demand these accounts be deleted immediately. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

I have continue to contact the three credit bureaus XXXX XXXX Equifax and XXXX about a bankruptcy reporting on my credit report that should not be reporting on my credit report because it is reporting information that I did not give permission. It has since been removed from the files of XXXX and it should be removed from all of my files from the three credit bureaus but it continues to report that it is verified and continues to report an accurate report while hurting my credit at the same time.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2021, I went to the car dealership, in which they pull multiple hard inquiries was pulled from XXXX such as XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX XXXX XXXX Also I was hit with 2 more hard inquiries from Equifax the following XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have called all lenders they have stated they show no information with my name connected to accounts or loans. I have reach out to the Credit agency, I was told I have to speak with the companies or agency who have reported the inquiries.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 A section 604 A. Section 2 : its also states a cunsumer reporting agency can not furnish a account without written permission instructions. 

The following accounts below are on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX Inquiries : 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