Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Employer : XXXX, AZ XXXX XXXX West XXXX XXXX XXXX, Arizona XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX  XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Equifax ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I have Federal Stafford Loans with American Education Services. I reached out to them two years ago to ask them if my loans would be on pause, and if any payments would go towards the principal, due to the student loan pause implemented at the time. I was told " Please note that the loans you have with AES are owned by commercial lenders and do not qualify for any benefits mentioned by the president. The proposal for a 0 % interest rate is for Federal Direct and FFELP loans owned by the Department of Education ( ED ). Loans serviced by AES are bank owned loans and not owned by ED and are not included in the proposal. '' I am now very concerned that I was given incorrect information somehow. With President Biden 's recent decision regarding student loan forgiveness, I am concerned that I will not be able to have my Federal Stafford Loans forgiven because they are being serviced by AES. My loan details clearly indicate that they are owned by PHEAA XXXX XXXX, not a commercial lender. As far as I knew, Stafford Loans were among the most common Federal Student Loans. 

Was I given bad information? And will my Stafford Loans be eligible for forgiveness, even if they are owned by PHEAA and not Dept of Ed? I am concerned that many borrowers in the state of Pennsylvania will be hurt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Complaint sub-issue: Right to dispute notice not received

I never received any documentation about this debt send to collection by the previous company. I request this to be removed due to improper communication to give me time to resolve this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Complaint sub-issue: Reporting company used your report improperly

On this day XXXXXXXX XXXX  I spoken with several reps from Equifax about unauthorized and fraudulent collections on my consumer report. Under 15 USC 1681 ( a ) ( 3 ) Equifax assumed this role without permission nor my consent, also Equifax did not respect my rights to privacy which is under 15 USC 1681 ( a ) ( 4 ) The collection which I am speaking of are from a source called ( XXXX XXXX  ) and ( XXXX XXXX XXXX )
Complaint sub-issue: Account information incorrect

issue 1 ) Equifax keep adding XXXX  XXXX BANK back to my credit report. it was removed once based on the information provided to them years ages ago. now it is reshowing again. 

issue 2 ) Equifax also refuse to let me have access to myequifax portal to review my information. When I sign into my account it inform me to call customer service and I do. I explain that i am trying to log into my equifax portal account and it told me to call customer service, the representative i have spoken with have been no help and this has been going on for 2 yrs now. of trying to get access to my personal information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  my rights have been violated. 15 usc 1681 section 602 A states I have the right of privacy. Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Hello, Since XX/XX/2022 I have reached out to Citi Reward Credit Card.. concerning a dispute. 
I paid my acct off XX/XX/XXXX ' And have never used my card since.. Then fraudulent charge came on my card.. I disputed it and they removed it. 
In XX/XX/XXXX ' Another fraudulent charge was on my card.. They said they would just give me a new card... 
XX/XX/2022 I received a new card. I never used the card but then they started saying I owed them money.. I called and told them I've never used the card and they said I would have to speak with supervisor. No one ever came to phone... 
I called back and waited several times on hold for XXXX min at a times only for them to hang up on me or no one would come to the phone.. this has been going on for months now. 
I am being Harrassed over and over again by Robo calls saying I am past due. 
. I've sent emails. phone calls sent them a letter, and a chat... .No response I've rpt this to my credit bureau.. Now theyre saying I owe {$65.00}????
Complaint sub-issue: Problem accessing account

Company : XXXX  [ Coinbase ] I have been an customer for XXXX XXXX XXXX XXXX for a while and since first week of XX/XX/XXXX my account is disabled and unable to access. My account has around 25,000 USD hard earned funds. I have made more than 20 customer service calls and opened a customer support Case # XXXX on XX/XX/XXXX. It's been one month now and no resolution and giving me mental torture with standard template message saying " '' Thank you for reaching out Coinbase Support! I apologize if this has been taken so much of your time. We have been receiving a high volume of escalation recently and we are trying are best to respond as fast as we can. '' '' Please help and one month is lot of time for any financial company to resolve customer high priority issue.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX, I sent credit reporting agency Equifax a letter ( per their request ) requesting my consumer report, consumer file and investigative file. As of XX/XX/XXXX, I have not received any of the 3 documents I have requested.
Complaint sub-issue: Information belongs to someone else

Attachment of non-verified line item provided- Credit Bureaus currently displaying non-verified information, thus breaking the law. They have yet to provide evidence regarding account ownership and the method of verification. They have not provided any documentation regarding their investigation.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY. THEY HAVE OPENED THESE FRUAUDLENT ACCOUNTS AND THEY HAVE CAUSED ME SO MUCH FINACIAL AND EMOTIONAL HARDSHIP. I AM TRYING TO BUY A HOME FOR MY KIDS, BUT I AM BEING PUNISHED BECAUSE THESE COMPANIES ALLOWED SOMEONE TO ACCESS MY INFORMATION. PLEASE INVESTIGATE THE PERSON WHO OPENED THESE ACCOUNTS PLEASE. I DONT KNOW WHAT TO DO.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Costco Citi card credit card. Dispute number XXXX Overcharged why a dentist on XX/XX/2020 for the amount of {$4000.00} for cleaning services. 

Called the credit card company to dispute the charge and they emailed me back that they looked into the matter and could not help me and still paid the dentist office.
Complaint sub-issue: Information belongs to someone else

According to EQUIFAX, XXXX XXXX XXXX said they had verified an outstanding credit of {$230.00} with XXXX XXXX XXXX XXXX. The debt is not my mine. I asked for a copy of a agreement with XXXX XXXX XXXX XXXX, bearing my signature, a copy of the XXXX XXXX agreement with XXXX XXXX XXXX granting right to collect on the alleged debt, and copy of XXXX XXXX XXXX state license as a debt collector. However, they will not provide proof of their claim.
Complaint sub-issue: Their investigation did not fix an error on your report

I have previous submitted a dispute to these companies in effort to resolve this matter. I have previous submitted a dispute asking this company for a investigation. I filed a police report, FTC REPORT and identity theft affidavit a obtain a lawyer and this matter is in litigation which this company is violating my rights by attaching this account to my file into the matter is resolved in court. This company said this account is not on my credit file I have proof from this company that I have attached the credit report directly from XXXX XXXX  and LexisNexis. Please hold this company accountable for inserting a account on my credit file without accurate information and not following fair credit reporting act 605 when a investigation is in litigations. Thanks
Complaint sub-issue: Information is missing that should be on the report

I bought a pan from XXXX, and they sent four boxes I did not order. I returned all the boxes to XXXX and they credited my account. But Discover card sent bills from XX/XX/XXXX until today. The last bill dated XX/XX/XXXX is asking to pay XXXX
Complaint sub-issue: Debt was result of identity theft

I do not know who this company is or why they are contacting me about a XXXX XXXX XXXX. I called and they can not provide a validation of my account or any information but placed it on my credit report. I was told they tried to call in XX/XX/2017 and couldnt reach me at a number I had never heard of. I further asked if I was ever contacted via mail and they said they are not required to mail anything as a phone call is sufficient. This appeared on my report out of no where and I want it deleted immediately! I was told by their rep they are not required to know the FCRA rules cause its a third party collection agency and they purchased the debt and thats good enough for them to say its mine.
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly a current balance due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. XXXX  is reporting correctly on this account. I have attached a copy of payment statements to XXXX XXXX. This false reporting of a balance due is harming my credit report and these line items need to report accurate information. I have contacted the ( 2 ) bureaus to resolve this however, I have not been successful.
Complaint sub-issue: Account status incorrect

Had credit account ( s ) with XXXX office of XXXX XXXX XXXX XXXX XXXX. Account ( s ) were late but when the XXXX Office closed account ( s ) paid off in full XXXX. Shows on report collection and it continues to be sold to credit collection companies who continue to report false information to all 3 credit reporting companies. When wife sold home after divorce records in attic not recovered. This filing is over 13 years old and should be removed
Complaint sub-issue: Investigation took more than 30 days

XXXX is suppose to resolve a dispute in 30 days. They have abused this and still have it pending after 4 months and it does not seem like they are following the Fair Credit Credit Reporting Act rules, FTC and CFPB violations. 

More than four months ago, I asked XXXX to hear my dispute with BB & T Bank regarding a " charge off '' that was paid before the alleged charge off took place. Initially XXXX advised me they needed another 30 days. I have heard nothing in over two months. 

This has embarrassed me and my wife ( whose credit rating is perfect and she is a co-borrower on the disputed issue ). This delay affected my ability to get a timely XXXX refinance on my home. 

Please discipline XXXX and require them to come into compliance with FTC and CFPB rules.
Complaint sub-issue: Fee problem

My available funds said I could transfer {$87.00}, so I did & my balance was XXXX after that. 2 days later, I have a {$36.00} overdraft fee and was told that I didn't have {$87.00} to transfer, that I only had {$80.00} so I overdrafted. Why would it let me transfer money that they say I didnt have? This is the second time this has happened, the first time they charged me 2 bounce fees. I am owed {$100.00} for fraudulent fees. I have gone as high up as the corporate office and they refuse to do anything. BB & T XXXX XXXX, XXXX, FL.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information. I have included my previous disputes since they have been sent 3 times with no responses.
Complaint sub-issue: Threatened to sue you for very old debt

I received a call from a XXXX XXXX stating that he works in the XXXX XXXX branch and I need to respond to court documents that were served to me today. I never received the papers so I called them to see what this was about. The person answered XXXX XXXX XXXX, asked for my case # then transferred me to XXXX who asked if this was me or my lawyer? 

He was extremely rude and told me that I owed Citibank $ XXXX. I told him that Ive never had a Citibank account and asked when it was opened. He told me he has no time for this and to expect a summons later today then hung up. I called him back asking him to be professional and inform me about the case then he recited my SS #, told me to expect a summons later today and to pay my bills. I asked him if this was a scam and he once again hung up. No server has been at my property with any court papers! 
Caller : XXXX XXXX XXXX XXXX Call type : Debt collector I found out that this person attempted the same scam with another person by doing an online search. Here is the weblink XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

This account is not accurately showing on my report. It should be closed and satisfied, yet its showing open and late. Additionally, since disputing they have updated the last date of activity when that is incorrect. This account is over 7yrs old, and I have not reached out, nor conducted any type of business with them since this account was charged off over 7yrs ago.
Complaint sub-issue: Charged too much interest

I made my XXXX payment 1 day late, but intime to make my statement. when i got that bill it should {$0.00} balance and {$35.00} in interest. I sent them a letter to there i think you made a mistake address on the back of there bill with a check for {$35.00}. telling them they were crooks and to close my account. they sent me two letters in response neither of which addressed my complaint about them charging me the {$35.00} when the check to pay ifull actually post to the statement. 
1. said i mailed my payment to the wrong address.

2. said that i owed no more money on the account yet today i get a bill for {$2.00} minimum interest charge. I demand a full and complete investigation and that you order them to not only credit the {$2.00} they are billing me but to also send me a refund check for the {$34.00} in interest they charged me in error. I opened this account VIA the US mail per federal regulation the payment is supposed to be credit on the day the envelope was post marked and i mailed my payment before the due date and they are penalizing me for the US Post Office being slow.
Complaint sub-issue: Account information incorrect

Recently I did an investigation on my report, due to your erroneous reporting to the Credit Bureaus its highly negative impact on my personal credit report. Please be advised that this is not refusal to pay, but a notice sent pursuant to the Fair Credit Debt Collection Practices Act : 15USC 1638g Sec. 809 ( b ) that your claim is disputed, and validation is requested. This is NOT a request for VERIFICATION or proof of my mailing address but a request for VALIDATION .I would like for my report to be accurate.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Application denied

To Whomever This May Concern : My name is XXXX XXXX. I have an account with Discover. I have had this account since XX/XX/2019. I just spoke with a XXXX and she gave me the run around on why I haven't gotten a credit limit increase, why my credit wasn't pulled when I requested in increase and the list goes on. I am not buying it. I am starting to feel that it is a discriminatory practice at this point. My score has sky rocketed. I pay the balance off completely each month. The utilization on my other cards are down under 30 % but yet by Increase continues to be denied. I have a XXXX XXXX XXXX that I received in XXXX. They raised my limit from XXXX to XXXX in XXXX. I have an XXXX card that started me off with a XXXX limit and it has since doubled. I also just got a XXXX card with XXXX and they quadrupled my limit. At this point I am like what is the problem. I have gotten to the point where I rarely use the card anymore because it isn't benefiting me at all. So, I would like someone to look at this issue and I would like for my credit to be pulled to see if I qualify for the limit increase. I look forward to hearing from someone soon.
Complaint sub-issue: Information belongs to someone else

TO WHOM IT MAY CONCERN I AM XXXX YRS OLD AND I HAVENT TOUCH MY CREDIT IN YEARS. I GO RUN MY CREDIT TO BUY A HOME AND I SEE WHERE SOMEONE BEEN LIVING MY LIFE AND DESTROY MY CREDIT/LIFE AND MY DRIVING LICENSE ARE SUSPENDED DUE TO SOMEONE STOLE MY IDENTITY AND HAD A CAR IN MY NAME. THE ACCOUNT I BEEN DISPUTING ARE NOT MINE AND I HAVE A POLICE REPORT WITH IDENTITY THEFT REPORT. I NEED HELP BECAUSE THIS IS NOT ME THIS IS FRAUD PLEASE HELP ME.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Can't close your account

By bank, Simple Bank ( owned by BBVA ) closed and was bought out by PNC. 

I have made several attempts and calls to them to close my accounts and have mailed to me any balance due. No matter how long I waited on the phone, I never was able to talk to anyone. I spent 2 hours today waiting to talk to the right department, and the phone just endlessly rang and rang and rang. 

I have no branches near my location to be able to directly go in and work with someone. If i can't call and talk to someone within any reasonable amount of time... how am I supposed to close my bank account?
Complaint sub-issue: Reporting company used your report improperly

This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  Equifax  but still reporting as an closed account on Equifax, and still opened on  XXXX  and also on  XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further w hich may result in a  lawsuit.
Complaint sub-issue: Their investigation did not fix an error on your report

I am absolutely livid that someone has literally stolen my whole identity and just getting away with it. They even were able to file bankruptcy in my name and just continue living like they were me to open MORE accounts. This is the 3rd complaint I have wrote and it seems to have done nothing to help me. I have filed a police report and a FTC report and disputed all fraudulent accounts with all 3 bureaus and they have done nothing to help me. I sent everything they asked of me during the dispute and it seems Im just ignored. This should not be legal.