Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

I received a letter requesting further information for our account at PNC Bank giving me and my mother 7 days to respond. If we didn't they would close the account. We responded within 5 days of the receiving the letter by going to the bank on XX/XX/2018. We handed the letter to XXXX ( I think that's what her name was ). XXXX was on loan from the XXXX XXXX branch. She placed all information required in the computer. I gave her my social security number, telephone number and corrected my address. I do not live with my mother. ( I requested the bank manager,, but she was on vacation. ) I was issued a pin to sign up for online banking. Everything seemed fine until today, XX/XX/2018 when my son informed me the {$2000.00} check his grandmother sent him was returned NSF. My mother also sent a gift to my brother which I expect will also be returned NSF. Neither my mother or I closed the account. This was done by the bank. They are saying I never went in with my mother and wife to address the issue in the letter. We are requesting that PNC Bank pay any and all NSF charges due to this closure of the account by the bank. I also request that any fines that are applicable will be assessed against the bank.
Complaint sub-issue: Reporting company used your report improperly

Once again Equifax has erroneously dropped my credit score without good reason. My credit score should be going up not down. Response from CFPB are never clearly stated and easy to understand. Thats why I have to keep resubmitting complaints. Equifax has been a perpetual problem for the last year having my credit score drop when it should be going up..
Complaint sub-issue: Account status incorrect

To whom it may concern : All collection accounts You're reporting this collection as a " OPEN ACCOUNT '' which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

The agency cant prove I owe them the debt Ive asked for original documentation stating I contracted with them Have asked for it to be removed from credit because one or more is a Hippa violation Sincerely, XXXX XXXX
Complaint sub-issue: Debt resulted from identity theft

XXXX is trying to collect on a debt that was previously being collected on by XXXX. I submitted a police report and FTC Affidavit to XXXX before they submitted this out to this other collection company
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

GFPB WRITTEnUPo : You In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the The right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under ar open end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent my letter off to Equifax on XXXX XXXX, XXXX. I told Equifax to do a full Investigation on the accounts I have listed below. I have also attached the letter I sent out and here is the tracking # XXXX XXXX XXXX XXXX XXXXAlso is the response letter they sent me to respond to my letter. I ask XXXX to FULLY INVESTIGATE, and I also ask them to tell me the METHOD OF VERIFICATION of the Investigation, as well as I asked for a updated copy of my credit report. In which I never received. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and US Department of Edu XX/XX/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. Also as i was reading the FCRA and noticed they violated these laws as well 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) They stated that these account were verified but how is it possible if they didn't do a proper investigation according to the law. FRCA 15 USC 1681 everything has to be 100 % accurate.
Complaint sub-issue: Investigation took more than 30 days

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report
Complaint sub-issue: Investigation took more than 30 days

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Complaint sub-issue: Investigation took too long

We are attaching the letter we sent to Equifax on XXXX XXXX. I never received my investigation results, but my wife, XXXX did. We are still trying to ascertain why Equifax did not send my investigation results.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX XXXX
Complaint sub-issue: Problem with product or service terms changing

Given the recent news about Equifax being compromised and my personal information potentially being exposed to identity theft along with financial information being stolen, I was directed to this website to check and see if I am one of the consumers affected. https : //www.equifaxsecurity2017.com The website has minimal information. It gives you an option called " Potential Impact '' to see if you 've been compromised. Once you click the option, it lists the following instructions : " To determine if your personal information may have been impacted by this incident, please follow the below steps : 1. Click on the below link, Check Potential Impact, and provide your last name and the last six digits of your Social Security number.
2. Based on that information, you will receive a message indicating whether your personal information may have been impacted by this incident.
3. Regardless of whether your information may have been impacted, we will provide you the option to enroll in TrustedID Premier. You will receive an enrollment date. You should return to this site and follow the How do I enroll? instructions below on or after that date to continue the enrollment and activation process. The enrollment period ends on Tuesday, XXXX XXXX  2017. '' Once you proceed, it only asks for your last name and last 6 digits of your social security number. Once I submitted this information, it only gave me a date to return and check again. It did not say whether or not my personal/financial information was compromised and it seems as though it automatically opted/enrolled me in their TrustedID Premier program. It DID NOT give me any options. This website, even though is an official site registered by Equifax specifically for this issue, looks very suspicious and not secure at all. It 's falsely advertising they will tell you if you 've been compromised, but it does not! It also enrolled me in something without my consent. I 'm now worried that I provided personal information for no reason on a website that can again be easily hacked or compromised from a company that has already been hacked and compromised. I 'm worried and anxious that I have in fact been compromised, but there 's no way for me to confirm before damage has been done.
Complaint sub-issue: Account status incorrect

I disputed the issue with XXXX XXXX  recently and feel the need to reach out to the CFPB. XXXX has added something else on my report. I have no knowledge of the debt. The debt was opened in XXXX of XXXX. I recently applied for a XXXX  XXXX account in XXXX of XXXX. The account is prepaid. I invested in myself by providing XXXX  XXXX with a {$300.00} payment to open a credit card account for the sole purpose of improving my credit score by paying on time. I have the right to pay a minimum amount of {$25.00} without being severely punished by dropping my score well over XXXX points. XXXX XXXX  has never granted me credit. I granted myself credit by using my personal funds to open a line of credit that XXXX, equifax, and there entities has decided to demolish my credit score. I have never missed a payment and always payed on time since opening the account in XXXX of XXXX. As of today a debt for collection from XXXX XXXX with an account open date of XX/XX/XXXX appear on my report. I've never opened a XXXX  XXXX account in XXXX of XXXX. I've never received statements for a collection and are unaware of the account opened in XXXX. Attached is a screen shot of the issue. Please view.
Complaint sub-issue: Account status

I try to get information from XXXX to prove that I left to XXXX before hand, but the company was not cooperative.
Complaint sub-issue: Account status

XXXX was an account I included in my chapter XXXX bankruptcy that was discharged. On XXXX and XXXX, the trade line is reporting correctly as Included In Bankruptcy and showing a {$0.00} balance. On Equifax , it is still reporting incorrectly as a Charge Off account with a balance of {$210.00}. I submitted a dispute and received results stating that the information is correct and would not be changed even though I included my bankruptcy schedules listing XXXX as being included along with my Certificate of Notice and discharge letter from the court.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX XXXX I work for XXXX XXXX XXXX. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX I would like to request a security BLOCK on my credit file in your office asap. I would like a full report as well.
Complaint sub-issue: No notice of investigation status/result

EQUIFAX IS REPORTING FALSE AND DAMAGING CREDIT INFORMATION. 
XXXX DEPT. OF H XXXX, is a fraudulent account en toto.I have never paid them anything.When I contacted them they said they were going after the filer for fraud, yet they have created this false record ... .all the while I had a contract for child support, for the same children in XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending out letters to the Bureaus to delete those inaccurate information on my credit report especially all those student loans account, they all have different Date of last Active. I haven't received any response regarding these accounts. This stops be of getting approved for any credit and they are hurting my scores.
Complaint sub-issue: Was not notified of investigation status or results

Equifax, XX/XX/XXXX and XX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Complaint sub-issue: Account information incorrect

I closed my Conns account in XX/XX/2020 and now Conns is reporting late payments to XXXX for XX/XX/2020 as 30 days late and XXXX late 90 days on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have called multiple times and sent Conns support thru XXXX the documentation since this started in XXXX. I have also disputed the late payments with XXXX and XXXX with no resolution. Conn 's is validating the debt and this is incorrect since I paid and closed the account in XXXX of 2020. I have never been late on this account. Also, filed a complaint with the XXXX and they commented I would be contacted but never was and when I checked Conns support thru XXXX the complaint was closed as resolved. XX/XX/2020 I called conns again and finally got to speak to a manger only to be told I have several tickets open on this compliant and I need to re-submit the reports from the XXXX and XXXX. So I would start the processes again it is now going on 4 months and my credit score has dropped, and a home loan has fell through because of this. It causing a lot of suffering because of this.
Complaint sub-issue: Information belongs to someone else

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX Account Number : XXXX This is not mine. 

experian 1. XXXX Account Number : XXXX This is not mine. 

transunion 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Problem with balance transfer

On XX/XX/22 I did a balance transfer on my XXXX XXXX for the amount of {$860.00}. I transferred the balance from my Citi card to my XXXX card. The Trace ID for the transaction is XXXX XXXX XXXX XXXX and was completed on XX/XX/22 and then sent electronically to Citi on XX/XX/22. I followed up with Citi multiple times via phone and did not receive an answer. I opened a case with Citi on XX/XX/22 by calling them and on XX/XX/22 I received an e-mail stating the case had been opened and was being worked on, but they did not start working on the case until XX/XX/22, where I received a conditional partial credit to my account. It is now currently XX/XX/22 and it has been over 2 months since I initiated the balance transfer and since Citi did not credit me for the balance transfer, I had to pay the full balance of {$860.00} or else I would have to either incur late fees or interest payments. 
After calling Citi today XX/XX/22, they have not completed any action when I called them requesting an update nor did I receive an answer on when my case would be complete. They said it would
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. I can see that the Negative Items which affect my scores are still reported on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Debt was paid

I have a collection account on my XXXX credit report that is inaccurate. It states I owe {$120.00} for a service I still have, that is open and active and I am making monthly payments. This is entirely unethical in so many ways. To have a collection account on an open active account that I have. I have called the originator and was told my account has never been put into collections. 

I would like this to be removed and deleted from my account.
Complaint sub-issue: Information belongs to someone else

Inaccurate Information, not mine
Complaint sub-issue: Banking errors

I opened a Citibank Checking Account on XX/XX/2018 with the promotion of getting {$500.00} if I deposit {$15000.00} in the account and keep it for 60 days which I did. I was supposed to get the money by the 60th Day. I have completed all the qualifying activities and should be getting my money which I haven't got till yet. Please look into this.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, I C SYSTEM add a derogatory mark on my credit reports. I C SYSTEM did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Complaint sub-issue: Inadequate help over the phone

According to the fair credit reporting act, Section 609 ( a ) ( 1 ) ( a ), Equifax is required by law to verify, through the physical verification of the original signed consumer contract- any and all accounts that are posted to my credit profile. I have asked previously for verifiable proof ( an origional consumer contract with my signature on it ) for the accounts listed below. Failure to provide this proof has hurt my ability to obtain credit. Under the FCRA unverified accounts that Equifax has not sent verifiable proof of must be deleted. The accounts in question are listed below Legal Item public record XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

My name is XXXX, for the last XXXX  years I had a student loan which I paid in full on XX/XX/XXXX. Paid {$2400.00} in full. Student loan started on XX/XX/XXXX. 
I have been trying to get a copy of my credit report from Equifax, unfortunately Equifax keeps denying my requests every time saying that I do not have credit history. 
That's just not true. 
I have access to my reports from XXXX and XXXX, they clearly show everything, including my student loans, which they have been paid as well my purchases with my credit cards. 
Equifax keeps refusing to provide me my credit report. 
This is not a XXXX time incident, this is been ongoing since XXXX. 
I am also one of the victims of the Equifax data breach of XXXX. I found this out on the data breach settlement page. 
I called Equifax, they send me a letter to fax them my information, which I have done as requested on XX/XX/XXXX at XXXX XXXX. Faxed over 15 pages including drivers license, ssn, lease agreement, utility bills. 
Called Equifax on XX/XX/XXXX and the agent, again, refused to send me a copy of my credit report stating that I do not have credit history and I should contact my bank. 
My credit union keeps denying my application of credit because Equifax says I don't exist on their systems and my credit union tells me to contact Equifax and when I call Equifax, they say I need to tell my bank to report my information to them. 
Called Equifax on XX/XX/XXXX and I said I want to purchase my credit report, I was also denied, again. 
Since when is it my responsibility to tell banks or credit unions how to do their job or my responsibility? 
I am trapped on an endless loop. 
To this very day, Equifax is refusing to provide me my credit report. I called, I requested to buy it and no success. 
I need help.
Complaint sub-issue: Account information incorrect

On XX/XX/2021, my home burnt down in the XXXXXXXX XXXX. I contacted my mortgage company and filed a forbearance on my loan due to this. My forbearance was approved as of XX/XX/2021. A few weeks later, I got a notice stating my forbearance was canceled. I called back and told them of this error, they then stated they re opened my forbearance and it was all in effect again. I continued to get past due notices in the mail from them so I again called back in XXXX of 2021 to confirm my loan was still in forbearance and I was told it was. I called again on XX/XX/2021 to verify my account standing for a new mortgage I am trying to obtain. During this call I was told I was removed from forbearance again and my account is showing past due. They re submitted my forbearance to a manager to get it reinstated, however it still reported to my credit companies I was past due on my mortgage. I was in contract for another home already and this error from them ruined my family from being able to buy a new home and has made us remain homeless until this is corrected.