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

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

Years ago my identity was stolen by someone who used it to get credit cards and loans under my name, and affected my credit so badly that I had to dispute the accounts with the bureaus. They helped me at first and everything was going well, until this past XXXX, when I checked my credit reports after not pulling them for quite a while, only to find some of the previous accounts that I had disputed years before back into my records for some reason. At first I wanted to make things right once again by phone calls with the bureaus, but their answer was that I needed to treat this as a new case of identity theft and needed to follow the usual protocol. So I started disputing the fraudulent accounts once again, but it's been 5 months and the accounts still appear on my reports, and I'm starting to wonder if the bureaus are actually checking my case or just discarding everything I send to them. Currently I'm disputing a charge card account from XXXX XXXX XXXX, some credit card accounts from XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX, and also , some addresses that don't belong to me, but are being reported too. I really feel quite anxious about this and don't know what else to do regarding this situation. I'm having trouble getting the creditors to acknowledge me as a good consumer because of the information that's being reported and I don't know how long I can take it. I ask for your help on this matter, because I don't want any more time passing by and be stuck in this situation forever. Please help me!
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I am a XXXX who experienced a financial hardship due to a mandatory decrease in pay by my XXXX  / employer secondary to a decrease in XXXX  XXXX  outside of COVID. I applied for Covid Relief Hardship with PNC on XX/XX/XXXX and again for an extension on XX/XX/XXXX - both of which are notated in their system and confirmed to me by one of their escalation managers on a recorded line ( XXXX XXXX on XX/XX/XXXX ). I was never assessed a late fee until XX/XX/XXXX and the late fee was refunded on XX/XX/XXXX as it was assessed in error. I received an approval letter for the Covid Relief Hardship from PNC dated XX/XX/XXXX. The letter states that the application was approved and no late payments would be reported. Additionally, the account status would show no late payments or be assessed late fees. However, late payments were in fact reported to all three CRAs for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - all during the time of the COVID Relief Program. I learned of this after having my credit report pulled on XX/XX/XXXX and saw the " reported delinquencies ''. I have reached out to PNC multiple times since XX/XX/XXXX by phone, email, written correspondence, and in person in a local branch. No resolve is being given and they continue to refer me to additional departments to " handle my complaint ''. Even the local branch can not see a late fee being reported, but does not have the ability to intervene as the company has outsourced most of the departments such as the HELOC Service Line.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not consent to, authorize or benefit from any of the following 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 XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX- XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,
Complaint sub-issue: Account status

After disputing this multiple times with Equifax and filing XXXX previous complaints through CFPB equifax continues to report this account with inaccurate information. On XXXX/XXXX/2016 Equifax responded to the last CFPB complaint advising that they update the amount and closed the account. However Equifax left the remark of 60-90 days late. I received a message from the creditor ( XXXX XXXX ) on XXXX/XXXX/2016 advising that they called Equifax on XXXX/XXXX/2016 and gave them direction to update this account. However Equifax continues to report this account as they please. I am appalled at Equifax blatant and malicious behavior in managing this credit item on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized Inquires and did not give consent for Equifax to report these on my credit file under law ( 15usc1681b ( a ) ( 2 ) ) I do not give consent, authorize nor benefit from the following inquires and they must be removed immediately. 

Furthermore, I did ask for verification on the alleged inquires and have not received a response back been over 45 days. 

Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX  ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX  ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX-Card Service ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ) Alleged Inquiry : Equifax Mortgage Ser ( XXXX ), ( XX/XX/XXXX )
Complaint sub-issue: Account status

XXXX and Equifax refuse to take a bad credit line off while XXXX XXXX did. The trade line is XXXX Bank. This is over 7 years old and needs to come off. My disputes with them have not resulted in any action.
Complaint sub-issue: Can't close your account

I 've recently opened up a credit card wit h Costco aka citi bank  once receiving my card I once they spelled my name wrong as  XXXX   XXXX  instead of  XXXX   XXXX   XXXX  I got my first statement I Immediately paid the amount off in full I called today to get a paid in full  letter & close out my account this company then started to give me a hard time saying that they could n't verify my phone number the same number that I opened up my account with all I was trying to do is close out my out it was so easy opening up my account but so very difficult trying to close out my account they have ca lled my mortgage company & my other creditors & still refused to close my account I 'm   XXXX   XXXX   XXXX   & this was a bad situation for me my member number is  XXXX
Complaint sub-issue: Debt was paid

Below is the statement was received : ERC received an account in their office on XX/XX/2017 in the amount of {$240.00} placed for collection by our client, XXXX XXXX XXXX XXXX 

I sent a payment ( {$240.00} ). My last payment was received in ERC office on XX/XX/2017 paid directly to XXXX XXXX XXXX. 

They have been reporting this on my credit report as open since 2017 after payment was received.
Complaint sub-issue: Didn't receive notice of right to dispute

Enhanced recovery contacted me with intent to annoy. Company never sent out a dinning letter, with a right to dispute. I had to communicate back with XXXX to get matter resolved. I received calls and it was beyond annoying and affected my job performance. Companies such as enhanced recovery should be barred for their practices. It is not ethical at all. I will be uploading documents within the next 10 days.I also ask for copies of the letter sent along with the dates of communication as well as the phone number. <P/>Thank You
Complaint sub-issue: Unable to open an account

During the beginning of the month of XX/XX/2022 I went XXXX XXXX and was told I can not open an account due previous account. I need to pay almost XXXX dollars. I ask documentation, something visual explaining debt, date time fame and void check. I went to XXXX XXXX XXXXXXXX was told the same things. However they open an account for me but told me it will close in a week if I dont sign up for mobile banking. I went to XXXX XXXX and was told I cash a check in cash check for XXXX for checking and XXXX for the saving, and in order to pay it off I will have to pay with the manger whos is someone I speak to every time I come in bank. I also spoke with XXXX XXXX bank tried to open up account. From my understanding, I close my account due to my social security card got stolen from the job. Along with me losing my debit card. The reason they said I couldnt open acct there is because I need to have a credit score of XXXX when my credit score is XXXX XXXX points away N was advise to contact the check system. I am shock of hearing this especially since I had an account with Bank of West and process a claim then waiting on claim results my account got close. I went XXXX different bank spoke with XXXX and the manger on XXXX and call customer service representative and more. The bal is XXXX which are bank fees. I ask can I reopen another account but having trouble, however they want my money through. This bank is the bank my stimulus Check and refund goes too as well I found it strange how all of sudden when Covid-19 come now I cant open any account. Every bank manger I know them from past or went to school with. Along o feel like they are u to something can you help please. I work to hard. To deserve this. I use to before the pandemic had two to three accounts at once.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, and the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this account that does not belong to me which is reported erroneously. I am in desperate need of this account to be REMOVED and BLOCKED. 

XXXX XXXX  I XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

There is an account that is unknown and I do not owe. I never received anything regarding this it just appeared on my credit file. Please help Enhanced Recovery XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Here is the list of erroneous account found in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Was not notified of investigation status or results

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect a debt that is not mine.
Complaint sub-issue: Billing dispute

I was declined credit based upon an Equifax credit report. After unsuccessfully attempting to pull the file under FCRA from Equifax 's online portal, my wife contacted Equifax 's Executive Services office to inform them of the issue and was informed that Equifax did not have to provide online access to the file, and that if my file met certain unknown " perimeters '' of Equifax 's security system, I could only get it via USPS. My wife informed Equifax of the security concerns of mailing the report due to poor service in our area with USPS and was told it did not matter, online access was a " courtesy '' not a requirement. I had to go to Equifax 's website and pay {$15.00} for a report and score because Equifax refused to reach out to their security department to address the issue. When my wife called Equifax this morning to request a refund, as I am entitled to a free report under FCRA, she reached an overseas call center that refused to even speak to her about the refund even though the card that paid for the report was hers and she was not asking for them to disclose information on my file. She informed them that we would be contacting CFPB to inform them that Equifax was refusing the refund ( they claimed the charge " does n't qualify for a refund '' ) and XXXX, the supervisor in Personal Solutions for Equifax responded by telling my wife " go ahead, tell them. ''
Complaint sub-issue: Problem during payment process

I have submitted my remittance coupon to the credit card company according to UCC 3-603, Tender of Payment, and they have refused it and have not returned the coupon to me either which would mean that the coupon was accepted by them and the debt is now XXXX and I should have access to use my credit card. This is discrimination toward me.
Complaint sub-issue: Debt is not yours

At this XXXX XXXX XXXX retail store where this account was created not XXXX single employee held the particular salesman accountable. I called within XXXX days ( trial period ) to either inquire about why my bill was no where near the XXXX $ I was told the total would be with the plan and XXXX device payments or I would cancel. I was informed by customer service rep that since I purchased in store I had to call the exact store to return. Store refused to let me return stating they only will take the devices within a XXXX day period ( not true according to website and rep on phone ) and even tho we were brand new customers it didnt matter to them for any kind of trial on the service period. It was even within XXXX  days that I tried to cancel. I still stopped service within that XXXX days but direct location store wouldnt take devices due to their own reasoning that made no sense.
Complaint sub-issue: Account information incorrect

CBCInnovis was asked to forward me immediately my Tri-merge credit report in its entirety, per loan application for refinance of my beautiful home here in XXXX, GA. 
TO-DATE its been over 3 weeks since requesting my Tri-merge credit report to use as evidence against XXXX, XXXX, and XXXX in Federal Discriminatory complaint for suppression, compromise, delays, altering, false reporting of balances to suppress credit scores. See what both CFPB, XXXX XXXX XXXX XXXX do n't understand, number one, I 'm in control of my XXXX  credit file, and I 'm pending over XXXX XXXX dollars in entitlements, upon receiving proceeds, I 'm going to find the badest XXXX Consumer attorney to sue all listed here, each party will have their General Counsel department to try to reach out and offer a settlement, but no can DO, {>= $1,000,000} LAWSUIT for Discriminatory Practice, look at XXXX, you DODO Birds, you 've been dishonest with XXXX Consumers, you 've been Discriminative toward XXXX Consumer, but look at you know DUMBBELL. See I tried to tell each agency list in this complaint, as an professional I use to receive the XXXX XXXX XXXX report, XXXX reports , XXXX XXXX XXXX XXXX credit reports of consumers, I know how to read the Fair Issac modal and other modals so who 's the XXXX  DODO bird here, its not me. CBCInnovis you folks are a joke, you are not STOPPING me from doing business, I see what 's being done with the XXXX suppression and delaying of corrections to my credit report. Now CFPB I went up against others, XXXX XXXX XXXX in XXXX, it equated into {$110000.00} Principle FORGIVENESS, thanks to XXXX XXXX, XXXX XXXX, and the one and only Beautiful XXXX XXXX ( D ) CA, listening to and studying the POWER of the LAW, it will yield a profit, so CFPB, if its the Feds position to get in bed with XXXX XXXX XXXX XXXX to further attempt, and notice I SAID, Attempt to suppress my credit report to try to STOP me as an XXXX Consumer the right to create, control and maintain a Powerful Buying Authority as an Consumer. I 'm a Fighter, I legally FIGHT BACK!
Complaint sub-issue: Reporting company used your report improperly

Equifax has mishandled my information, which puts me and millions of other people at risk. 

XXXX XXXX XXXX XXXX I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Complaint sub-issue: Information belongs to someone else

I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. There are fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX  # XXXX
Complaint sub-issue: Overdrafts and overdraft fees

Back in XXXX, I opened my CITIBANK , N.A . checking account at CITIBANK , N.A . at CITIBANK XXXX. XXXX # XXXX in XXXX XXXX, NY. 

About less than a year ago ( XXXX, XXXX ), I was charged an overdraft protection fee. They waived that fee for me and then after that I asked them to opt out of the overdraft protection ( I have never opted in and I opened my bank account after XXXX ). 

Today, I got an email from CITIBANK , N.A . that they charged {$34.00} as an overdraft fee, so I called the customer support right away to get the fee waived as I already opted out of the protection and but they denied my claim. 
A supervisor named XXXX told me that it is not possible to opt out of the overdraft protection, which is clearly against the overdraft regulation that was imposed after XXXX. 
The only customer support channel they seem to have is an outsourced customer support and the supervisor told me that they can't do anything to escalate the case. 

I need CFPB to help me get this case through with CITIBANK , N.A . 

Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below XXXX  XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Complaint sub-issue: Information belongs to someone else

I was victim of identity theft and filed a dispute with 3 companies and hard credit inquiry that didnt come off my report and XXXX credit card in my name as well. they didnt remove anything from my report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchased two ( 2 ) XXXX XXXX XXXX from XXXX. Nearly 6 months later the items arrived and they are counterfeit. I contacted the XXXX XXXX rep and he confirmed the items as counterfeit. I contacted US Bank regarding the transaction on XX/XX/2022 and was issued a provisional credit of {$500.00}. I submitted documentation requested by US Bank. On XX/XX/2022 I noticed the provisional credit had been revoked. I called US Bank and was told the documentation I submitted was received but incorrectly formatted. I then reformatted the information and submitted it again via fax. Per the suggestion of the US Bank associate, I asked for a return call from the case processor. I did so for the express purpose that any additional information or requested could be fulfilled. I was told by US Bank to answer all calls even suspected spam calls because it could be from the claim processor. I followed these instructions to a T. Each week, usually on Tuesday I call US Bank and speak with another associate ; XXXX, XXXX, XXXX, XXXX and XXXX. All very nice people but despite what their notes may say I have never received a call from the case processor. Today, I called and was told the case was closed yesterday due to time. Any time limit was never disclosed. US Bank does not allow me to contact the case processor. US Bank has never initiated a single call or request for further information. I have explained that the US Customs and Boarder Patrol instructed me to not attempt to return the item as it is a felony to ship or return ship counterfeit merchandise. What US Bank is doing is re-victimizing me when they should be an advocate for me as a consumer. US Bank could have asked me at anytime for more documentation but instead they have stonewalled me again and again.