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

Want to file complaint against XXXX, Equifax and XXXX. These companies are not complying with their own policies in a timely manner. All 3 companies were contacted on XX/XX/XXXX in regards to the following discrepancies. Also XXXX was contacted on XX/XX/XXXX. In addition to complying in timely manner, Violations of the CARES Act occurred during XXXX. On XXXX XXXX Letters were sent to correct personal information and inaccurate data still exists Late payments from XXXX XXXX - Acct : # XXXX during XXXX Dispute of Violations of the CARES Act Late payments from XXXX XXXX XXXX XXXX : XXXX XXXX during XXXX : Dispute of Violations of the CARES Act XXXX XXXX Acct # XXXX in the amount of {$52.00} XXXX XXXX XXXX XXXX XXXX : # XXXX listed duplicate Inquiries from XXXX XXXX  on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX XXXX XXXX  as a XXXX off as bad XXXX XXXX payments XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Accounts above with 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. Please remove these items from my report. please remove the following account promptly 1 ) dept of ed/XXXX  - account beginning in XXXX additionally I never authorized the following closed installment accounts and am requesting their immediate removal 2 ) XXXX XXXX XXXX account beginning with XXXX 3 ) XXXX  account beggining in XXXX 4 ) XXXX account beggining in XXXX 5 ) XXXX  account beggining in XXXX 6 ) dept of ed/XXXX account beggining in XXXX 7 ) XXXX account beggining in XXXX 8 ) all dept of edXXXX XXXX  accounts beggining in XXXX
Complaint sub-issue: Debt was paid

I paid in full this XXXX XXXX account but they have not updated my credit report. I have also sent copies of the paid receipt to all 3 credit bureaus and it still has not been updated.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax refuses to delete an item that has been on my credit for 7 years. XXXX  and XXXX  has already removed this item. I have tried since XX/XX/2021 and I have been hung up on, on hold for long periods of time. They have people that are not knowledgeable of the law and don't have any customers service. As of today XX/XX/2021 I have been on hold for at least 44 minutes as the rep say he's looking into it.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

In 2020 I was laid off from my job because of Covid-19. I just getting back on my feet and although I've tried to make payment arrangements with PNC they are refusing. I also requested proper credit reporting as required by the Cares Act and they refused.
Complaint sub-issue: Trouble getting a working replacement card

I bought a visa gift card of value {$500.00} in XXXX  ' food on XX/XX/XXXX and found that someone else registered my card already and made several unauthorized transactions of total value more than {$400.00} on XX/XX/XXXX and XXXX. I called XXXX  ( US Bank ) to request a replacement card and dispute the unauthorized transactions. As requested ( CID number XXXX ), I faxed my valid government ID, front/back of gift card, and original receipt of purchase to prove the ownership of the gift card on XX/XX/2021. I was told by the agent via the phone that they will respond within 3-5 business days by mailing a replacement card and helping me to handle the unauthorized transactions. However, until of today, after 10 business days, I did not get any response from US Bank regarding whether they get my request approved and whether they have mailed the replacement card or not.
Complaint sub-issue: Account information incorrect

on XX/XX/2018 I opened disputes of debt validation with all 3 credit reporting agencies. Equifax, XXXX, and XXXX. Equifax and XXXX have not provided me with any proof of validation for the student loans reporting from XXXX, XXXX, XXXX etc. These loans showed {$0.00} paid, closed, and paying on time. After the inquiry of dispute, XXXX and Equifax tripled the summary balance of amount owed and have yet to provide me with any documentation of validation for doing so. I have been on an IBR payment plan where all loans were consolidated and all payments were made on time.
Complaint sub-issue: Their investigation did not fix an error on your report

Back in XX/XX/XXXX, I reached out to Equifax about an account ( XXXX XXXX ) thats still reporting on my credit repot when it was suppose to be removed in XX/XX/XXXX after payment. Equifax still hasn't removed the account. I reached out to the company ( XXXX  ) that reported the account and they said they sent over the information to Equifax to have the account removed and its still reporting on my account as of today. I want this account removed immediately as it is affecting my score and chance of being a homeowner.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i have no clue about the following inquiry XXXX XXXX XXXX Inquiry from XX/XX/2018. Please investigate please. I don't want fraudulent activity on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Guys I highly believe that with all of my efforts of disputing since last year, that Im being willfully violated regarding my credit. I disputed my credit report for all accounts in XX/XX/XXXX after having to apply for a mortgage for my family to have a place to stay. I was being turned around because all of the accounts that are being charged in my name. I requested an investigation and original proof to be sent to me. I got absolutely nothing back. Not only that I decided to send a re-investigation letter through certified mail on XXXX XXXX to all 3 bureaus and requested specifically that every date, balance, verification of debt, payment history and all be checked thoroughly again. However, there has been no correction only more reporting that arent the same across all 3 bureaus. Im now out of a home with my XXXX children and my wife and have no other option at the moment to get my own place of living. 

Im have over XXXX accounts from the same Creditor : Account Name : XXXX  XXXX XXXX Account # XXXX being reported on my credit report. They all show the exact same account number, but completely different Date Open, High Credit, Payment History, Date Last Active, and more. Then theres XXXX more accounts with the same account number under XXXX  XXXX name, with lots of blank data from all 3 bureaus. 

XX/XX/XXXX is the oldest account under the names which is already XXXX  years of age and the oldest account being reported is XX/XX/XXXX which is XXXX  years of age. 

Again, its been few attempts to hear back from them. 

Section 607 ( b ) by FCRA ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I saw on the CFPB bulletin for XXXX XXXX, that theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were XXXX things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 
Ive been mistaken for other XXXX XXXX continuously, but this time it actually cost me housing and denial from banks and damaged credit. 
Im requesting monetary relief per violation ( and the willful violation ) and for the damages that were caused and money spent trying to fix the same issue multiple times.

15 USC code 1681n ( a ) ( 1 ) ( A ) Also, consumer reporting agencies must Correct or Delete any inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. 

I will attach both proofs of credit reports I pulled from XXXX XXXX ( in color ) and XXXX XXXX ( black and white ink only ) to compare if they thoroughly investigated and corrected anything. I will also list the tracking numbers below for the disputes.
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. XXXX XXXX XXXX, in amount of {$7400.00} 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: 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. 

XXXX XXXX. Account # XXXX. 
XXXX XXXX. Account # XXXX. 
XXXX. Account # XXXX. 
XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX. Account # XXXX. 
XXXX XXXX XXXX. Account # XXXX 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 items of information, other than records of convictions of crimes more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

This to me is XXXX. So Im submitting it again hopefully for the last time. XXXX and XXXX have been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below waswere opened fraudulently & without my knowledge, consent or authority. I provided it with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}
Complaint sub-issue: Information belongs to someone else

To whom it may concern : I have been trying to remove accounts that do not belong to me but as the law requires, they need to provide physical proof before post fraudulent, outdated or inaccurate data in a consumer credit file. But they keep failing to provide the proof that FCRA requires for a third party reporter to post any account in a consumer credit file, they need to remove these accounts intermediately from my file.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, and I have rights under 15 USC 1681. 
Equifax is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the account listed below to be removed because according to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXXXXXX XXXX balance XXXX XXXXXXXX XXXX XXXX balance XXXX
Complaint sub-issue: Problem with personal statement of dispute

I find that my consumer file is being irresponsibly tampered with. Over the past 7 months I have made several attempts to remind equifax of their duty pursuant 15 USC 1681. It appears Equifax is intentionally and willfully being neglectful in remedying my affairs.

15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. 

I have been disputing these accounts with equifax and i have called them on numerous occasions. On every occasion the reps either didnt understand English and werent helpful and other times they were rude and hung up me. Including supervisors. Equifax failed to provide method of verification during their investigation as well as their reinvestigations. 

15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must promptly be removed. 

Equifax willful negligence in properly investigating my disputes have caused me a tremendous amount of stress due to the amount of time spent to remedy my affairs.
Complaint sub-issue: Problem with rewards from credit card

Citi ( Citi/AAdvantage credit card ) is advertising a {$120.00} XXXX XXXX flight discount if you spend the required {$20000.00}. I spent the required money but the Citi refuses to provide me with the flight discount. They have all my spending records - and I do to - so I will not restate here. 

I spoke to Citi ( XXXX ) on XX/XX/XXXX at XXXX : XXXX XXXX for 25 minutes who reviewed my spending and agreed with me but said she had to submit for approval. ( Her notes of the phone call detailed my spending as well. ) On XX/XX/XXXX, I received a letter from Citi dated XX/XX/XXXX stating I did NOT qualify - no explanation provided. 

On XX/XX/XXXX at XXXX XXXX I called and spoke to XXXX at Citi who also reviewed my records. She indicated that I easily spend over the requirement - she then put me on hold and said she would have to get with her manager. XXXX came back to tell me I would have to write the company - and provided me with a fax number to state my case I am getting the run around from Citi. I have my documents - I have spent the required money yet Citi will not provide the benefit. What do I have to do? This is why I am turning to you and to prevent others from being taken advantage of by Citi.
Complaint sub-issue: Debt was paid

I started off by Attacking Multiple Accounts Found on my credit file Various Accounts were reporting wrong but the one thats was the most obvious to be was the student loans my student loans have been Forgiven for about a year yet hear on I am a veteran of the military my loans were forgiven through a XXXX  discharge. 


FURTHER MORE THE INCONSISTENT HISTORICAL PAYMENT CALENDARS ARE LACKING IN ANY ACCURATE INFORMATION THEY ALL DISAGREE WITH EACH OTHER AND BEING THAT PAYMENT HISTORY IS 35 % OF MY CREDIT CORE IT IS RECOMMENDED THESE CALENDARS TO SHOW PAID AS AGREED NEVER LATE. 

Please marked the Erroneous student loans as paid as agreed never late. CLEAN UP ALL CALENDAR HISTORY TSO IT DOES NOT AFFECT MY PAYMENT HISTORY IN NEGATIVE FASHION. 


DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MAIL ONLY Account type : Installment DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX MAIL ONLY DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX Account type : Installment U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX   XXXX, IA XXXX Account type : Installment U S DEPT OF EDXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, IA XXXX Account type : Installment US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account type : Installment US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account type : Installment US DEP ED XXXX Account type : Installment US DEP ED XXXX Account type : Installment U S DEPARTMENT OF ED XXXX XXXX XXXX  XXXX XXXX, NY XXXX MAIL ONLY Account type : Installment U S DEPARTMENT OF ED XXXX XXXX XXXX  XXXX XXXX, NY XXXX MAIL ONLY Account type : Installment US DEP ED XXXX Account type : Installment US DEP ED XXXX Account type : Installment
Complaint sub-issue: Funds not handled or disbursed as instructed

Citi Bank fraudulent practices I opened Citi Bank account in response to Citi Bank Promotion to open certain account with certain deposit for {$700.00} reward. I met the terms : Citi Bank never paid the reward, withheld improperly {$30.00} fee for " not providing social security number '' per Citi, then refunded {$8.00} out of {$30.00} and sent me a statement that I owe IRS {$11.00} earnings which they never paid to me either. 

I am trying to resolve fraudulent financial operations with with Citi Bank for almost 5 months now with no avail. 
Please help.
Complaint sub-issue: Problem getting your free annual credit report

Credit Karma claims they can not " see '' my driver 's license. I have sent my driver 's license to them multiple times, for years. Still, they can not " see '' it. They claim the personal identity documents that I submit to them are unreadable, and therefore, they can not begin the process of verifying my identity. Credit Karma claims they can not verify my identity. No matter how many museum-quality documents I submit, Credit Karma claims that these personal identity documents are unreadable, so that they can not verify my identity with my driver 's license, passport landing page, social security card, monthly bank statements, voter registration, monthly mobile phone statements, car registration card, car insurance card, and more. I am born-in-the-USA, fluent in XXXX, and have a XXXX degree. With my overflowing XXXX skills and XXXX  skills, Credit Karma is still unable to process my request for a free credit report, claiming they can not verify my identity.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any investigation results.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX NC XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance XXXX {$0.00}.
Complaint sub-issue: Investigation took more than 30 days

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681a ( D ) ( 2 ) ( B ), where as my consumer report doesnt include any authorization or approval of a specific extension of credit directly or indirectly by the issuer. Therefore my character, credit worthiness and reputation are in question which goes against the law previously stated.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX ) Account # XXXX ( Equifax ), 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: Company closed your account

CitiBank closed my credit card account ending in XXXX which is a direct violation of 12 CFR 1026.11 TREATMENT OF CREDIT BALANCES ; ACCOUNT TERMINATION. 

I transferred my rights and interest in the original instrument to CitiBank for offset and authorized the release funds held in escrow to offset the balance. 

UCC 3-103, TN Code 47-3-203 both give me the power to transfer my rights CitiBank for them to release the funds held in escrow pursuant to 12 CFR 1026.11.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax deleted 4 fraudulent XXXX XXXX  inquiries from my credit report but they left 5 fraudulent inquiries on my credit report. 

No consumer in their right mind applies for credit from the same company this many times. It does not make sense a blind man can see that these inquiries were not done by me. 

XXXX XXXX told the CFPB that some are fraudulent. 

Equifax has been stating that these inquiries were verified for months. 

I asked XXXX XXXX and Equifax for the paper, electronic and audible proof that I initiated these inquires and they both have failed to provide me the documents that they are using to authenticate these inquiries. 

How did the pick and choose which inquiries to keep and which ones to remove?
Complaint sub-issue: Debt was paid

account was paid off on XXXX/XXXX/15. Confirmation # XXXX. Need to delete this from my all XXXX of the credit reports.
Complaint sub-issue: Reporting company used your report improperly

Default and Opportunity to Cure Template To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. 
I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and Equifax. 
pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ).

15 USC 6801 - Protection of nonpublic personal information.

15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that XXXX XXXXXXXX XXXX use against Consumers like myself. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I am attaching valid proof that your financial institution violated my consumer rights under the provisions of FCRA. I hereby XXXX XXXX XXXXXXXX XXXX the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer Your financial institution XXXX XXXX BANK, failed to respond to my request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. I will not hesitate to escalate this matter to a Federal Complaint if your financial institutions XXXX XXXX BANK decide to ignore my request.
Complaint sub-issue: Threatened to sue on too old debt

Company ( Enhanced Recovery Corporation of XXXX, FL ) filed a collection which turned up on my credit report. The collection is for a debt dating from XXXX 2009, which is past the statute of limitations ( SOL ) for Florida. The company never contacted me via mail or any other method. When I called and pointed out the debt was past the statute of limitations, I was told they could not help me. From the company 's information it appears they assumed the debt after the SOL had past, indicating they knew it was invalid, but were attempting to collect regardless.