Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

XX/XX/2022 I paid off a charged-off account with XXXX XXXX XXXX 
XX/XX/2022 I received a letter from XXXX XXXX stating they issued a request to the three major credit consumer reporting agencies, XXXX, Equifax and XXXX to update the account as PAID-Charge-Off. 
Equifax updated the account AND opened an additional XXXX XXXX account causing a duplicate account to be reporting twice the negative. 
I have called XXXX XXXX twice, XXXX and XXXX and both times they have reviewed and stated that only one account with their company has been reported to the credit bureaus and theres nothing more they can do. 
XXXX I sent a registered letter along with supporting documents to Equifax requesting they fix the duplicate issue, they opened a dispute, completed the investigation on XXXX without a written explanation of the results. 
XXXX The duplicate account is still on my Equifax report.
Complaint sub-issue: Reporting company used your report improperly

I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as Deptednelnet are currently reporting inaccurate information XXXX, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
Deptednelnet are currently reporting inaccurate information XXXX, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Information belongs to someone else

I am having a hard time getting approved for credit it has been brought to my attention there there are accounts showing on my credit provide with negative reporting. The negative accounts on my credit account does not belong to me and I have never opened these accounts. I am being told I need to follow these steps in order to have these account removed from my credit profile
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize any of the listed inquiries below and request that they all be Deleted from all three credit reporting agencies. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/2021 Equifax XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX
Complaint sub-issue: Account status incorrect

There are many mistake in my report, I have never paid late these accounts :  XXXX   XXXX    XXXX     XXXX  Account #  XXXX    XXXX   XXXX   XXXX   XXXX   Account #  XXXX    XXXX   XXXX   Account #  XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX   XXXX  Account #  XXXX
Complaint sub-issue: Funds not received from closed account

I notified PNC Bank of my mothers death in order that they close her account and forward the funds to me as her eldest child. She was not married at the time of her death. XXXX XXXX XXXX ( my mother ) passed away on XX/XX/20. I notified PNC Bank. I called XXXX voice banking. I entered her social security number and after several prompts I was able To speak to a representative. The female sounded to be in her late twenties. I advised them of aforementioned and what were the next steps to close my mothers account and have the funds distributed to me. I was advised to mail the following documents, certified copy of her death certificate and a copy of my drivers license front and back and to mail to PNC Bank. XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. I mailed these documents certified on XX/XX/20. A week later I called for status a week later as I was told once documents were received it would take XXXX days business days to process. I have called once a week since XX/XX/20 and this is the script. A young female answers the phone ... asks for my mothers social security number, then they say let me place you in a brief hold while I review her account. I am placed on hold for no less than 20 minutes each time for the rep to return to the phone to tell me Absolutely nothing but that once the documents are received and if anything else is needed I would be notified. It is so frustrating and without reproach to give a consumer such a run around abs my time and expense and my mothers checking account and for what reason. To add insult to injury your office can have a person call and you will receive the same scripted response without any assistance. Not only is this frustrating but a waste of my time and efforts to settle my mothers account. Why is PNC bank deliberately refusing to process my documents? Oh, one more thing, PNC added another line to the script asking me if I had a receipt for the certified mailing for the documents I sent. This was on XX/XX/20 at approximately XXXX XXXX  eastern standard time. I called back a 2nd time and on XX/XX/20 and asked for a supervisor ... another young female said the script again placing me on hold this time for 13 minutes and has left with with no other alternative than to file the complaint against PNC Bank and demand that my mothers checking account and funds be released at once without any further delay. Her name as it appears on her checking account is XXXX XXXX XXXX # XXXX. I respectfully seek your assistance involving this matter and the reason PNC Bank is deliberately violating law and rendering poor customer service and I seek sanctions if applicable and my mothers account settled and funds distributed immediately. I attest the above statement is accurate and factual. 

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

In accordance with the fair credit report act 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: Old information reappears or never goes away

XXXX XXXX XXXX XXXX? XXXX XXXX XXXX, and XXXX XXXX XXXX continually put things back on my credit that I have been disputing and they are over 7 yrs. I went through a nasty divorce and so much is not my responsibility but I have had to ride out the 7 yrs. I will never use XXXX XXXX again. There is obviously a theme. 

I cant afford credit reporting so I can see all bureaus but these are on both Equifax and XXXX. Im guessing these have been reported to XXXX too.
Complaint sub-issue: Account status incorrect

I purchased a vehicle through XXXX and they sold the contract to XXXX. XXXX then proceeded to unlawfully share my personal information with XXXX, XXXX and Equifax. I reached out to XXXX in an attempt to resolve this situation by opting out of them reporting my information without my permission via 15 USC 6802 B, but I was told that they indeed had this right and would continue to report it. I urged to them that they were violating 15 USC 6801 ( Protection of non-public information ), 16 CFR 313.1 ( purpose and scope of non-public info ) and The privacy Act of 1974. They admitted to me over the phone that the account is charged off, which makes it a certificate of indebtedness, which is illegal to have on credit reports via the IRS. Despite all of this, they have refused to remove this from my credit report and opt me out of them reporting to the credit agencies concerning my private information. I informed them that I intend to take this manner to federal court if it is not resolved swiftly and amicably.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX XXXX XXXX  and, XX/XX/XXXX XXXX Equifax XXXX. The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.
Complaint sub-issue: Card opened as result of identity theft or fraud

I RECEIVED A CALL FROM " HOME DEPOT '' ON SEVERAL OCCASIONS AND FINALLY I WAS ABLE TO RETURN THE CALL. WHEN I RETURNED THE CALL THEY TOLD ME I OPENED AN ACCOUNT AND THAT I CHARGED OVER XXXX IN MERCHANDISE THAT IS NOT MINE, THE PERSON THAT I WAS TALKING SAID THESE PURCHASES WERE IN XXXX CALIFORNIA??? I NEVER LIVED OR HAVE BEEN RECENTLY IN XXXX CALIFORNIA. I TOLD HIM THAT AND TOLD HIM THAT WAS NOT ME AND THAT I NEVER OPENED AN ACCOUNT WITH THEM OR AUTHORIZED TO OPEN AN ACCOUNT THIS YEAR OR RECENTLY, BECUSE HE TOLD ME THE ACCOUNT WAS A RECENT OPEN ACCOUNT??? 

PLEASE FIX THIS AND I WOULD LIKE TO PRESS CHARGES TO THE INDIVIDUALS OR PERSONS WHO USE MY INFORMATION TO OPEN THIS ACCOUNT. THIS IS IDENTITY THEFT OR FRAUD. PLEASE LET ME KNOW THE BEST WAY TO PROCEED WITH THIS AS SOON AS POSSIBLE.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I was contacted multiple times by this company demanding payments that were incorrect I have also submitted in writing disputing the amount this company and XXXX XXXX XXXX were both sued multiple times for overcharging customers false advertisement and incorrect billing they also have been alerted multiple times to the XXXX XXXX XXXX  and have a alert placed On their company and there was a class action lawsuit that I wasnt was not aware about until now. My fianc has passed away and I need everything to repair my credit and this is the only creditor that has yet to resolve this issue I would like to have this removed from my credit report due to incorrect in overcharged fees and harassment Attached is proof of the above information.
Complaint sub-issue: Personal information incorrect

Equifax XX/XX/2018 Confirmation # XXXX Personal Identification Information under previous address Equifax has for the last past months after I have reported that these address are not my address and have ask Equifax to provide proof of the said address that are not mine or have ever been any address of mines. 

Wrong Address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Provide proof of these address on file by Equifax as my address belonging to me by lease, purchase, rent in documentation as in my name. 
Equifax has the wrong information as to these address and it has been over 4 months now and incorrect address and information on file.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see pages 43 and 44 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX, XXXX I called Equifax and sat on hold for 1 hour and a rep came on and tried to help, placed me on hold and disconnected me, I did a Dispute XXXX XXXX and it was over 30 days which FCRA states that items will be deleted if not completed in 30 days, this hasnt been the case with Equifax, they are over the time frame and should delete. Also, they had a section to dispute Inquiries but say they they cant dispute Inquires is contradicting.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act The list of accounts below have violated my federally consumer rights to privacy and confidentially under USC- 1681. 
XXXX, XXXX in the amount of XXXX. XXXX in the amount of XXXX this is not even my account long with the other accounts on this list. I've been trying to get these things off my credit report for a long time. I've even hired other companies to help me get these items deleted off my account. I'm XXXX almost XXXX and I've never been able to use my own credit because since i can remember someone lots of someone's have had their hands on my information. lots of people i don't even now in states I've never been in before I don't know how this happens and its sad it does. Sorry back to my list XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX in the amount of XXXX XXXXXXXX XXXX XXXX IN THE AMOUNT OF XXXXXXXX XXXX XXXXXXXX XXXX XXXX IN THE AMOUNT OF XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Like I said i hired other companies like XXXX XXXX and the XXXXXXXX XXXX to help me remove these items and trust you me the process is way to slow I would like to buy a house and marry my sweetestlove. o yea one more XXXX This was a scam i took all the paperwork text messages everything i had into them. Please help me 15.6.S.C 1681 Section 602 States i have the right to privacy 15 USC SEC 604 A It's also stating a consumer reporting agency can not furnish an account without my written instruction.

15USC.1681c ( a ) ( 5 ) Section states No Consumer Reporting Agency may take any consumer report containing any of the following items of information any other adverse item of information other than renounce of conviction of crimes which antedates the report by more than 7years.

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

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00} Account Name : XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00}
Complaint sub-issue: Deposits and withdrawals

There is no other way to put it but XXXX XXXX is being run by donkeys. Actually no offense to donkeys because they might have more brain than these idiots. 

They kept sending emails to try their new XXXX transfer service. And this is what happens when you try to use their XXXX XXXX service. 

I transferred $ XXXX to a linked account yesterday and XXXX XXXX has decided to debit that $ XXXX from the account twice and showing me that my account is overdrawn. I have an emergency today and I need to go see a doctor but I can't access the money. When I try to call XXXX XXXX it is like trying to talk to donkeys. First call, I get someone who is giggling and talking to someone else and wont even pay attention to the call. Then I get someone who says that XXXX XXXX has taken out $ XXXX twice from my account and that I need to reach out to them. These idiots aren't even able to recognize that this is a transaction imitated from XXXX XXXX XXXX own stupid website. Then finally I get a supervisor who says there is nothing she can do and I just need to wait till the end of the day hoping it will resolve itself. When you ask for someone higher up, their standard answer is that they are " in a meeting ''. These XXXX XXXX  $ XXXX  are habitual liars. 

So now I have an emergency and need to go see a doctor but I cant access my funds. I cant withdraw then from an ATM, I cant transfer them nothing. If the situation was reversed and I made a mistake and overdrew my account, these $ XXXX would have piled up fees after fees. 

I also initiated XXXX XXXX pulls from my external account yesterday ( for separate amounts ) debiting the money from $ XXXX and they have been rejected and I have been hit with 2 fees from that ban. All because XXXX XXXX can do some simple math. 

The worst part is that even after I have alerted them about this they are unwilling to fix it.
Complaint sub-issue: Information belongs to someone else

I am contacting your company because there is a fraudulent school account on my credit report which I keep contacting your company to have removed as it is fraud and does not belong to me as I am a victim of identity theft. My ex husband was deported for using my indentity as well as my sons. So please remove these items as they are fraud. The first item is a credit inquiries from XXXX  XXXX XXXX   XX/XX/XXXX which is fraud and I would like removed at once and the second item is XXXX XXXX known as XXXX XXXX XX/XX/XXXX for the amount of {$1400.00} showing up as a degetory item on my report but this is fraud because this item does not belong to me and I have continued to complain about it please remove this because it is fraudulent and was not opened by me as I am a victim of identity theft
Complaint sub-issue: Information belongs to someone else

The following public record and credit inquiries listed on my XXXX XXXX and Lexis Nexis credit report, is inaccurate, incorrect, and not my public record or credit inquiries : Bankruptcy Chapter XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax has violated my rights as a consumer Ive filed complaints several times I have even filed a identity the report Equifax has unauthorized inquiries on my credit report that does not belong to me and they need to be removed immediately! 
XXXXXXXX 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: Account status incorrect

On XXXX XXXX, 2021, I tried to make an Online Dispute with Equifax, but their website is " down. '' On XXXX XXXX, 2021, Equifax reported my credit as Serious Delinquency and Time Since Delinquency is Too Recent or Unknown to a third-party, XXXX XXXX XXXX XXXX. 

This is a false and defamatory statement. 

Equifax states on my current credit report, that ALL my current and past installment, revolving, and mortgage accounts have NO LATE PAYMENTS. Equifax further reports on my credit report there are no Bankruptcy or Collections. 

How can Equifax report No Negative information on my credit report, but also tell a vendor, ( in this case, XXXX XXXX XXXX, that my credit is Seriously Delinquent? 

This is wrong and must cease. 

As a matter of fact, XXXX  reports my FICO as XXXX a Very Good credit rating. XXXX  reports that all my payment history is EXCEPTIONAL. 

I want Equifax to stop erroneously reporting and misrepresenting my good credit standing. 

I appreciate your time in considering my request and look forward to your response.
Complaint sub-issue: Debt was result of identity theft

I would like to request a copy of all documents verifying that I owe the debt to DISCOVER CARD, Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.
Complaint sub-issue: Information belongs to someone else

Here again - another account that was disputed several times with Equifax and it has not been deleted. I filed a 1692g letter with the collector XXXX XXXX and they failed to respond ; furthermore, I called XXXX XXXX and I was told the account would be deleted because I do not owe the money. I paid the doctor way before any collections and I never had any contract or association with this company. Equifax has failed to properly investigate this account under FCRA and XXXX XXXX has violated the FDPCA and FCRA by reporting a debt I do not owe, and failure to respond to a formal 1692g letter.
Complaint sub-issue: Trouble getting information about the card

I had a lot of trouble with US Bank ReliaCard. My card and all of my personal information associated with the card were compromised on XX/XX/XXXX. After alerting US Bank ReliaCard services about the security breach, my card was locked, and it had been a nightmare trying to get restore my personal information and unlock my ReliaCard. To date, we are still disputing several fraudulent charges and waiting for resolution to unlock the card.The bank has asked me to fax them VERY sensitive personal information, a handwritten note about restoring my personal identity, along with photocopies of personal ID. I have provided everything as requested, both with my driver 's license for the first fax ( sent on XX/XX/XXXX XXXX, and a passport for my second fax per their request ( sent on XX/XX/XXXX ), and they still have not done anything to resolve my issue. We are racking up on our credit card debt to cover the cost, and I am also deeply concerned about my personal information. Out of fear, I started to pay out of pocket to monitor my identity and credit activities due to distrust of US Bank 's security system and their handling of my personal information. Right now, our family have no access to thousands of dollars of my unemployment fund. I sit on the phone for hours every day and US Bank ReliaCard has done nothing to help me resolve issues. I appreciate your advocacy for all of us who are struggling during this difficult time. 

Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX and XXXX accounts. ( Please see pages 2 6 and 9 14 of the attached credit report. I have also attached a spreadsheet with each account number ). These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.