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

I recently sent a letter to XXXX dated XX/XX/2018 asking them to verify the bankruptcy on my report from XX/XX/2018. I spoke to the clerk of the bankruptcy court and she advised me that their court did not report this information to XXXX  and that their court does not even have a subscription to report to ANY credit agency. I feel that XXXX is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The clerk also advised me that they do not verify this information directly and in addition, the clerk from the court explains that the courts do not verify or give out social security numbers to any THIRD PARTY companies. So if they did not report this information how did you? According to the FCRA it is not permissible for you to report THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate unverified information. This results in XXXX  using erroneous information including but not limited to falsely reporting information to my Credit Report. 

I have included a letter to that effect my original dispute letter. Thank you for your help.
Complaint sub-issue: Information belongs to someone else

Good afternoon, I am writing to CFPB regarding my identity being stolen and used to obtain credit without my authorization and now I have been stuck with the bill and my credit taking a hit. Please if there is anything you can do to help me remove these fraudulent accounts tarnishing my credit profile I would greatly appreciate your assistance in this matter. I have tried with the credit bureaus and debt settlement companies as they have said they can help and have gotten nowhere. I have heard that cfpb actually gets the job done. Thanks in advance.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I currently have a total of four ( 4 ) virtual prepaid XXXXXXXX XXXX on a digital wallet, and the only cards I am able to add to this digital wallet are from XXXX XXXX who provide me a " token '' /code to redeem the virtual card provided. 

On Monday, XX/XX/XXXX, I used one of the four cards in this wallet to make a purchase for a cellphone at XXXX by XXXX. The order DID NOT process and the pre-authorization hold was immediately released by the merchant. This is evident by the fact, when I call the customer service number to hear the transactions on the card, it states : " An adjustment of XXXX was made on XX/XX/XXXX '' For whatever reason, I am not able to view my transactions online as I should be able to and I have brought that to the attention of customer service. I am also NOT ABLE to add the card to my XXXXXXXX XXXX digital wallet as the FAQ 's state I am able to do. That issue I brought that to the attention of customer service over three ( 3 ) weeks ago and still have not received any resolution or explanation as to WHY I am not able to do so.

Being I am NOT able to view my transactions online as I should be able to, the only way I can determine what is and is not posted to my account is by listening to the automated system. 

My issue is the adjustment of {$81.00} on XX/XX/XXXX. Whenever I have contacted customer service via telephone, or online chat, I am told it is a pre-authorization hold still, which, is NOT TURE. If there is a pending transactions on the card, the automated system DOES NOT mention it. If there has been a refund it states adjustment, and if there is a completed purchase it say purchase. 

I have asked to speak to a supervisor and EVERYTIME regardless of the time, NO SUPERVISORS are available. XXXX has stated to me on the phone and via email the pre authorization hold was immediately released because of the technical error. I want/need to have the funds released. 

Customer service has told me everything but the truth from, well because it is a XXXX it can take 60 days to be credited back to the account, when I have had other purchased refunded and the automated systems states the date of the purchase and the date of the adjustment. Ironically there is no PURCHASE of the XXXX transaction that I am complaining about and want access to the funds
Complaint sub-issue: Other problem getting your report or credit score

My EQUIFAX REPORT HAS NOT BEEN UPDATED SINCE XX/XX/2022! For the following companies : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to them on several occasions about this issue and have not received anything back in the mail from them at all. 
I spoke to someone over the phone for a forgiveness for XXXX XXXX XXXX  because I was faced with financial hardship and could not make my 4 of my payments on time and they informed me they would remove those two late payments and they failed to do so!
Complaint sub-issue: Problem with balance transfer

I opened up a credit card and gave them the information on my other credit card to do a balance transfer, 0 % until XX/XX/2023 and they transferred it to a savings account # XXXX that did not have a balance on it. I was not aware there was a XXXX on my savings account. There was no letter giving to me by the State or my financial institution that was supposed to be sent out about this XXXX. I was opening the new card up to pay another credit card. I am now paying for 2 payments and plus a balance transfer fee of XXXX, when it was not sent to my credit card # XXXX because there was no CC account number on the check sent in to XXXX.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  XXXX USDOE/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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.
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$1600.00} XXXX  XXXX {$940.00} XXXX {$0.00} XXXX {$2000.00} XXXX {$0.00} XXXX {$1300.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXXXXXX {$640.00} XXXX XXXXXXXX Amount XXXX {$0.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I was sent a class action postcard against this company explaining they had no license to collect debts in the state of Maryland and also I never received anything regarding this debt and also the debt is to much for the period of time of the debt and they also are on my credit and the co signer credit with never even notifying either of us because the default amount is bogus!!
Complaint sub-issue: Account status incorrect

On XX/XX/2018 I received a obscure email notification with subject line Notice of decreased credit limit. This was unexpected and very surprising. When I requested further information from secure message online, the reply was : your request was forwarded to the appropriate department. Several days later still no information provided. 
I also sent a message to a social media rep who subsequently connected me with credit management department. They in turn stated that my report is showing some very compromising information that would prevent them from reinstating my credit limit. They refused to provide any specifics over the phone or a written letter in this regard. I have checked with all credit reporting company reports and haven't found any concerns, except small discrepancies, that would justify this type of action. 
As of now my credit reporting from CITI is further compromising my credit file as a result of this action. 
I have been a customer for many years and never been subjected to such actions. I find it very deceptive and questionable and hope you can investigate this further and help other customers from this type of business conduct from CITI.
Complaint sub-issue: Personal information incorrect

XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses doesnt belong to me please update my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: No notice of investigation status/result

I disputed inaccurate and incomplete information reported on my Equifax report concerning XXXX accounts XXXX and XXXX. I asked for specific items in my credit report. The letter is attached. Equifax then responded with confirmation XXXX. Several items are missing and incomplete such as Last Payment amount missing and incomplete, Date of Last Activity, Date Closed missing and incomplete, date open is not accurate, unless they can provide proof. As per FCRA all information must be complete and accurate or deleted. The XXXX XXXX accounts should be deleted immediately.
Complaint sub-issue: Reporting company used your report improperly

I have noticed that XXXX XXXX have placed an inquiry on my XXXX  and Equifax credit file dated XX/XX/2018. When i was aware of this i contacted both Credit Bureaus and was told by the fraud team they cant dispute unauthorized hard inquiry 's. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Both Equifax and XXXX  report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B )  states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my Equifax and XXXX   file without my permission. I do hope that we can settle this matter amicably. 

You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$3600.00} I believe it was reporting in error, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX am writing to delete the following information in my file. The items that need to be deleted are listed in the report. 

I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

I ask these items to be removed also in accordance with 15 USC 1681a Section 603 subsection K ; rules of construction. Due to this inaccuracy of my credit report, I have been denied opportunities that have also violated my rights based on the Equal Credit Opportunity Act. I have the right to an accurate credit report.
Complaint sub-issue: Deposits and withdrawals

Opened my account XX/XX/2021, Ive never been overdrawn and I always contact customer service when I need to. I received XXXX in direct deposit and around XX/XX/XXXX I was calling everyday for My card getting declined at the store even tho my pin was used. I received another XXXX in direct Deposit and I went to atm and couldnt get money out. I contacted live chat they said to call fraud department I called The number they gave me I verified my identity and they said they couldnt do anything about it that the specialist team would reach out. My account has been frozen no debit status since XX/XX/2021 Ive contacted live support and called fraud department every day since then, all they keep saying is my account is under review and wait 24 hours and contact them 24 hours later and still nothing. Ive filed 3 complaints with the live support customer service and I still havent been updated on my account status And my account is still frozen. Ive only had this bank a few months and Ive had so many problems. Ive even faxed over my verification of funds and verification of identity.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my reports, incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected/fixed immediately : XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I went to court RE : this issue approximately 3-4 years ago. Was supposed to be assigned a payment plan with no further information from the company.
Complaint sub-issue: Other problem getting your report or credit score

Neither myself nor mortgage lenders are able to access my EQUIFAX report. They are stating inconsistencies with my address as the reason. I live in an apartment complex that does not have mail service. Because of this, I receive my mail at a po box . I have contacted the company on 5 separate occasions spanning 4 months and each time I have received a different response. I have submitted the requested documents to verify identity and address but am still unable to access my report.
Complaint sub-issue: Frequent or repeated calls

They are calling 2-4 times in an hour. They will call from the same number twice, then call from other lines. I have told them over the phone this number is a work number and I can not receive so many calls.
Complaint sub-issue: Account status incorrect

Im Seeining on my equifax theres has ben an Inquire From XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX would like to be removed its FRAUD
Complaint sub-issue: Information belongs to someone else

To whom it may concern i have 3 hard inquries from sync which are inaccurate and was resolved a while back as i never made these inquiry 's and this was all fraud the following dates are XXXX  Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX and 1 from XXXX XXXX from XX/XX/XXXX. All of these inquires were never made by me. This is all fraud. I have called these companies a few times to try to resolve this problem. To my understanding of fair credit reporting act and from what they said this should all have been resolved.
Complaint sub-issue: Debt was result of identity theft

This debt does not belong to me. I never signed a contract with this company, and they are reporting debt on my credit report this from someone using my information to obtain credit and needs to be removed as it is a fraudulent account.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/2020 This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. IT IS WELL BEYONG THE 30-60 DAYS! After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A  ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand  the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BKPT CT OH XXXX  All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have SS numbers showing on my file that do not belong to me XXXX, XXXX PLEASE DELETE NOW! 
My employer is Self Employed My name is XXXX XXXX XXXX XXXX please delete any and all other variations of my name they are not accurate!! 

This is my only number XXXX All other telephone numbers are not accurate.
Complaint sub-issue: Account status incorrect

I have a mortgage with XXXX/XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX/XXXX XXXX   with no successful resolution. XXXX, XXXX, and Equifax reporting me 150 days late payments. There was an error on their part. I was never 150 days late.
Complaint sub-issue: Information belongs to someone else

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with the debt furnisher, XXXX XXXX, and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act or UC-C . They are robbing, badgering my credit with no explanation on an erroneous, alleged collections.