Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX, I requested that my loans be placed in forbearance through XX/XX/XXXX because I would be away for military training ( XX/XX/XXXX-XX/XX/XXXX ), and also that the military 's student loan repayment program will soon pay their share of my student loans. I was told that they would be ; later in XX/XX/XXXX I discovered that they were not and this adversely affected my credit score. I called the company to complain and a supervisor said that he would  check the tapes to verify my claim that a representative from the company assured me that the loans would be placed in forbearance during this time. I did not hear back from the supervisor, but I did receive a letter from the company stating that my loans were approved for forbearance from XX/XX/XXXX to XX/XX/XXXX. This letter is dated XX/XX/XXXX. Although my  forbearance was approved, FedLoan refuses to correct this on my credit report because the letter is dated for XX/XX/XXXX. I have consistently paid my account with them ( and all of my creditors ) on time, except for the two months that I thought the loans were in forbearance. I submitted a letter of good will pleading my case, and the company told me that they do not grant good will exceptions in any case after I called them twice to check on the status of my request. I have also disputed this issue numerous times, and each of my disputes were rejected.
Complaint sub-issue: Account status incorrect

XXXX XXXX  assumed management of my XXXX XXXX   loans in May. Apparently, I selected " online billing '' as an option but selected against receiving email notifications. This was according to a conversation I had with a represented on Mon XX/XX/XXXX. I was past due by 2 months but had not received notification of this from XXXX XXXX or XXXX XXXX. I spoke to a representative XXXX XXXX ) on Thu XX/XX/XXXX and was told " all delinquent accounts are sent notifications by mail. '' I spoke to her supervisor ( XXXX ) and was told " delinquent notifications can be sent by email. '' I told them that there was clearly a process issue that would allow for online bill pay but not for any online notifications of delinquencies. I asked that the negative filing be waived from my credit report but I was told this couldn't be done without speaking to 'superiors. ' I was assured that I would be contacted the following morning ( Fri XX/XX/XXXX ) but I have yet to receive a call. My credit score before this mishap was XXXX, which indicates a long history of paying my bills consistently and on time. I believe the company has a fiduciary duty to ensure that the person holding the loan has been contacted and informed of pending actions before taking actions that can negatively impact their credit score. At NO TIME did I receive a written notification or telephone call. I believe that these actions constitute a breach of fiduciary duty, possible libel for aggressive pursuing this course of action when, in fact, a process issue created this problem, and potentially fraud because of the misinformation I was provided when I contacted the agency.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/XXXX, XXXX and Equifax have an open date of XX/XX/XXXX. XXXX  XXXX BANKRUPTCY XXXX  Reference # : XXXX Closing Date : XX/XX/XXXX, XXXX Reference # : XXXX Closing Date : XX/XX/XXXX, Equifax Reference # : XXXX No Closing Date provided. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Complaint sub-issue: Information belongs to someone else

Please remove these accounts immediately. These accounts are fraudulent reporting, I have contacted and place a security freeze on my account and items are still being placed on my consumer report without proper contact to verify this said Information. By LAW & STATUES I have rights that you are violating. I will send out letters to all Credit reporting agencies following this complaint. 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: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX and XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Complaint sub-issue: Reporting company used your report improperly

XXXX illegal holding my funds for an unsecured credit card ending in XXXX under a so called right of offset which by law doesnt include credit cards. The credit card was supposed to be charged off back in XXXX, I went through a divorce in XXXX that was the caused of my financial hardship during this time I requested a XXXX and was advised to write a letter stating a payment plan and they wanted XXXX or XXXX XXXX back than. and currently displaced homeless due to financial issues. I was in NC XXXX visiting my daughter when XXXX locked me out of my accounts without notice or warning and told me someone was going to get in contact me which no one reached out, I had to find a way to get back to NY and went straight to the credit union to see what the issue was, I was told to call XXXX XXXX XXXX because they was in control of my accounts and when I called them they said they dont have any record of my account. I recently received a phone call from a law office of XXXX XXXX XXXX XXXX, XX/XX/XXXX. I requested information about a judgment or what rights do this credit union have to hold my money in account with allowing me to withdraw draw but I can deposit. I was never notified of the last payment made in the date was the account closed and charged off, and who the account actually belongs too. XXXX XXXX XXXX settled on XXXX XX/XX/XXXX and still reporting {$15000.00} as if it is still an active debt and updating as if the credit card as if its active revolving the dates and month on the credit report doesn't have a correct dates on it which is Manipulating the Statue of Limitations and the account is time barred In accordance with the Fair Credit Reporting Act XXXX  accounts, XXXX XXXX account # XXXX, also account XXXX has violated my rights 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 also state a consumer reporting agency can not furnish a/an account without my written instructions.

ccordance with section 611 ( e ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C.

1681i ( e ), which was added to the FCRA by section 313 of the Fair and Accurate Credit Transactions Act of 2003 ( " FACT Act '' ).! The Commission is the federal agency with primary responsibility for compliance with the FCRA and operates a system for receiving complaints from consumers about possible violations of the FCRA.

The information on the credit reports are incorrect and the amount can not and will not reflect the true, creating unnecessary hardship Please delete these accounts immediately.
Complaint sub-issue: Can't close your account

I had a Citi credit card affiliated with Costco. I opened a credit account to get a promotional 3yr warranty on an XXXX product. When the card arrived it was a duel Costco membership/citi card, I never actually activated the citi card aspect of the card. This was due to previous issues I had with Citi bank. I closed the card over a year ago when Costco used the account without my permission to renew my Costco Membership. Because it is also my Costco membership card I have been using it to get into the warehouse, to get scanned for my membership and to get access the gas pumps.The gas pumps have a new bump feature that I was not familiar with and when I out the membership/citi card next to it, the card was declined as the citi account is not active. I had to insert the card and wait for a prompt to insert a card I could use for payment. A week or two later I went to a Costco store to return approx XXXX dollars worth of products ( The correct amount should be on file with Citi XXXX, the gentleman doing the return did not ask which card I used and just bumped the XXXX XXXX/citi card against a bump pad he had, the return was accepted and applied to the CLOSED account!! The store was not able to retrieve the money and had to call Citi bank, who in turn requested to speak with me. I do not have an account with Citi so I did not understand this request. Then they proceeded to ask me for a password associated with the account .... I told them I do NOT have an account with you ... how can I give you a password? I was told by both parties that a check would be sent in 36-48 hrs. It has been 5 days and I still have yet to receive a check for the stolen funds. Costco, however, has retained the products I was trying to return while reporting to me this happens all the time ... This should not be happening at all ....
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, PNC BANK add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Information belongs to someone else

there are multiple items that are on my credit report that are inaccurate. These accounts were never opened by me and I can verify that these companies do not have any valid documents stating that these accounts belong to me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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: Trouble with how payments are being handled

I was on an Income Based Repayment  plan until XX/XX/XXXX of last year. I file for it multiple times after it was up in XX/XX/XXXX as I was not making much money. I have called XXXX XXXX numerous times to put it back in Income Based Repayment. Nothing was done. I received no emails, no letters, and no phone calls for months and come to find out it was put into collections. I have been trying to talk to the department of education numerous times since then and they would not even give me the time of day. Now they are trying to capitalize the interest and threaten to garnish my wages. I would just like to it to be back on IBR until I can find a job to pay it down.
Complaint sub-issue: Problem making or receiving payments

During the CORONA VIRUS pandemic THE BANK PNC withheld my fund fraudulently without any reason and authority. BOTH my saving and checking account was withheld as I could not withdraw money from both my checking account or saving account
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX, I emailed XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, Tx informing her of the incorrect amount of debt XXXX XXXX XXXX XXXX charged me. The misinformed document stated that I owed them for " Replacement Keys '' in the amount of {$100.00}. The referred keys were actually left in the kitchen drawer ( near the refrigerator ) the night I vacated my apartment ( Unit XXXX ) on XX/XX/XXXX per XXXX XXXX XXXX request. I informed earlier that day on XX/XX/XXXX that I would be moving out after office hours, so how should I go about returning my keys. That is when she informed me that I should just leave them in a drawer and take a photo of said keys and email it to her for proof. I did exactly what she asked of me. I then, reached out to her the next day informing her about a gate key that I had forgotten to turn in. She then asked me if I could mail it or turn it in. I drove to the XXXXXXXX XXXX XXXX XXXXXXXX and returned the gate key to a lady sitting at the desk. I emailed and let her know that I had returned the key, her response was " Thank you so much ". So, once I received the statement for " replacement keys '' from XXXX XXXX XXXX XXXX, I was confused and that's when I reached out via email on XX/XX/XXXX and XX/XX/XXXX when I never received a response on XX/XX/XXXX. I then tried calling, no answer so I left a voicemail. No returned phone call from the voicemail either. That week, I called a few times throughout the day and FINALLY got someone to answer the phone. I explained the situation to the lady who answered, and also informed her that a debt collection company ( I.Q Data International XXXX Inc. ) had been reaching out to me via mail ( it was only mail at the time ) regarding the incorrect amount owed that was stated by them. She then told me that they were super busy and it would take XXXX until the end of the week to read the email for proof in order to correct the amount. The end of the week would've been XX/XX/XXXX. I received no call back, no email, no correction. 
I reached out again XX/XX/XXXX and was told that they were still super busy and that I should hear something by the end of the week. The collection company has recently started to call me multiple times throughout the day, and it's really disheartening that this is something that could have been easily fixed and the harassment by the collection company wouldn't exist! I have been extremely patient with this situation. I do not mind paying what I owe. I just want to be treated fairly.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted XXXX to dispute credit inquiries on my credit report due to their inquiry issues and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help
Complaint sub-issue: Information belongs to someone else

I have sent XXXX, XXXX, Equifax everything that they ask me to send them to show that I was a victim of identity theft I have ask them to validate this account XXXX, Account : XXXX and Previous Addresses : XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Debt was paid

I had an account with Conn 's based out of XXXX, Texas, however, I live in XXXX, Texas. I purchased an item plus the insurance protection plan from Conn 's in 2013 and that was an incident that resulted in the insurance being applied to my account which would have paid the account off, but upon trying to talk with Conn 's several times to no avail, they are reporting this account which should have been paid off per the insurance protection plan that I purchased. I provided them with all perintent information. All of my damages were mitigated with Conn 's per the insurance protection plan. Conn 's is reporting this account on my credit twice with the same account number. This is has really hurt my credit.

This is the account number that Conn 's is reporting XXXX {$1300.00} & XXXX {$780.00}
Complaint sub-issue: Was not notified of investigation status or results

Reference is made to CFPB complaint # XXXX where I complained about Equifax repeated, ongoing non-sensical responses to disputes which fail to 1 ) advise which dispute they are responding to and 2 ) provide any helpful meaningful information to resolve the dispute. Their response to complan # XXXX was just as non-sensical and ambiguous ; Their form response was completely irrelevant and had nothing to do with the complaint raised. So, now, I'm complaining about their non-sensical response to former CFPB complaints. How many complaints will it take before governing agencies step in and do something about Equifax lack of meaningful responses which do not address which dispute they are responding to, and fail to provide a solution? Or would it just be easier to hire an attorney?
Complaint sub-issue: Deposits and withdrawals

Discover banking froze my account on XX/XX/XXXX due to unusual activity. As of XX/XX/XXXX I have spent a total of 20 hours on hold with there security team which hangs up after a 3 hour hold time. Upon finally reaching someone I was directed to a manger who had a terrible phone connection and offered to call me back. That was 5 hours ago and no call back has been attempted. I have an entire paycheck ( {$4400.00} ) tied up by this company who are impossible to contact to regain account access. Currently they are putting myself and others at risk for unplayable bills due to being uncontactable for resolution.
Complaint sub-issue: Debt is not mine

Enhanced Recovery Company, LLC has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt
Complaint sub-issue: Personal information incorrect

On my XXXX credit report it shows also know as XXXX, XXXX, XXXX, XXXX not me. 

It show Employer XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Have never worked for them Have worked for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX Have never lived at XXXX XXXX XXXX XXXX XXXX UT XXXX
Complaint sub-issue: Didn't receive terms that were advertised

Citi bank had an Advertisement opening a CITI XXXX account package which mentioned deposit XXXX and receive {$700.00} at the end of the term which was six months. I open the account on XX/XX/XXXX, at XXXX. I went back on XX/XX/XXXX to retrieve XXXX which would have been the cash Bonus for letting the bank use my {$50000.00} for six months and was told that I was not going to get the money cause there was some mistake!. I asked what could possibly be the problem and Neither the teller, or the manager of the facility had any answers!!. So, I would like this matter to be taken seriously, and putting hands of someone who know exactly what is going on with this institution!. I as a consumer feel like I have been XXXX, miss treated, and I feel that there has been a XXXX profiling on me!.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Hello, my name is XXXX XXXX XXXX on XX/XX/XXXX XXXX at XXXX XXXX atm was trying to withdraw {$80.00} dollars and the machine did not give me the money yet I received the charge. I called the ATM company PNC Bank which than told me to call my bank. I filed a transaction dispute with XXXX  XXXX XXXX which was rejected by the bank. I need the {$83.00} back. Because i never got the money from the machine and i really need the money. Thanks XXXX XXXX XXXX XXXX XXXX , Ca XXXX # XXXX XXXX fee {$3.00}
Complaint sub-issue: Threatened or suggested your credit would be damaged

I've received notification from All Tran Financial on XX/XX/19 in reference to an XXXX XXXX account in the amount of {$1000.00}.