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

I submitted a dispute to Equifax, XXXX, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. They are in violation of the FCRA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These inquiries are fraudulent and I didnt give permission for these companies to run my credit. I called and asked for signature disclosures for these companies. These companies couldnt provide me disclosures that I have to sign before running my credit for permission to run my credit. This is defamation of character as I already have a car and they keep running my credit for car approvals.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$11000.00}, {$340.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

there is an account from  XXXX   XXXX  that should be removed.   I 've submitted a dispute and added information supporting the removal of this account.   Equifax has yet to remove this negative account.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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: Credit inquiries on your report that you don't recognize

I received notification from XXXX XXXX that there were an Inquiry from XXXX XXXX on XX/XX/XXXX that i did not authorize. There are also Inquiries made on XX/XX/XXXX for XXXX, XXXX  XXXX bank from XX/XX/XXXX, XXXX from XXXX XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX along with an Inquiry from XX/XX/XXXX from XXXX Bank that i also.did not authorize.
Complaint sub-issue: Their investigation did not fix an error on your report

The information on my report is not correct and needs to be deleted. I did not do these things ... I want them removed
Complaint sub-issue: Loan sold or transferred to another company

tesla finance approved my lease transfer from original owner on XX/XX/20, i have been making lease payments since then and they lost my paper work to send to DMV to register the car - they are not finding a resolution for the problem and when i call once a week to talk to a manger they keep saying no one is avail and will call me back. i can not drive the car due to this and i have to still make payments.
Complaint sub-issue: Account status incorrect

To whom this may concern, I have called the ALLY FINANCIAL INC. AUTO Total Loss Department about my account showing in accurate information. I have ask to speak with a manager and/or supervisor and i have been getting the run around for more than a month now. I have an inaccurate reflection of non payment when I been paid up with this bank. the bank closed my GAP without my consent and I have been asking to speak with compliance and they have told me they have no compliance department. I have been charged extra fees from inaccurate readings from there system and I have requested my account closed because it is paid in full. The Total Loss Department for ALLY Financial Inc. XXXX XXXX XXXX XXXX, MN XXXX, is not accurate, and denies any manager involvement about there action or them being compliant on the phone. The absolute worst experience I have had with an AUTO BANK. Im being taking advantage of and I'm being charged for extra when my account is paid in full. THIS IS A BANK, they must have a manager and supervisor and some form of compliance, and they have only stated they will have a manager call back they are busy, well I have never got a callback and they just drag there feet to try n put extra charges on my account. my account is paid already and they are trynna still charge me. THIS BANK IS FRAUDULANT IN MY EYES AND NON- COMPLIANT AND SHOULD NEVER BE TRUSTED!!!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting me 120 days late on the XXXX/XXXX   partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue.
Complaint sub-issue: Information is missing that should be on the report

XX/XX/XXXX Three DEBT COLLECTION ATTEMPTS XXXX XXXX CREDITCARD. see EQUIFAX attatched. XX/XX/XXXX XXXX {$6.00}, XXXX limit balance {$0.00}. XX/XX/XXXX last reported. Date Closed IS BLANK STILL LEFT OPEN WITHOUT MY CONSENT OR KNOWLEDGE. ( 3 ) Three calls to collect today XX/XX/XXXX came from XXXX  XXXX HARRASSERS XXXX XXXX XXXX XXXX. XXXX  XXXX COLLECTION ATTEMPTS TO COLLECT DEBT NOT OWED. XXXX AT XXXX XXXX confirmed my social not even in her system. WHY WASN'T THIS CLOSED YEARS AGO? WHY IS XXXX XXXX REPORTING INCORRECT INFORMATION TO EQUIFAX? WHY ISN'T EQUIFAX RESOLVING?
Complaint sub-issue: Didn't receive services that were advertised

XXXX XXXX let someone take out a loan in my name I have disputed the account with all three credit bureaus they have removed the report XXXX XXXX continues to put the debt back on my credit report they keep raising the balance then lowering the balance and placing hard credit inquiries in order to drop my credit score I have called XXXX XXXX to dispute the debt only to get cussed at
Complaint sub-issue: Fee problem

KeyBank has been making my life XXXX! 
I submitted my original complaint to CFPB on XX/XX/2021, Complaint ID : XXXX. The company took over a month to resolve the issue, and in that time the original issue created additional problems, more bank fees! I have tried calling KeyBank to resolve these additional fee problems, and I've also emailed KeyBank. I have headed all of the instructions they gave me, but THEY STILL HAVE NOT RESOLVED THE ISSUE! KeyBank is so broken and disconected. Sometimes I called in and spoke to one person and the next time I called in, the original person that I spoke to had been " let go ''. I emailed a branch manager by the name of XXXX XXXX, as instructed by KeyBank staff. That email included call recordings between myself and the bank staff so that I would not have to constantly keep repeating myself over and over and over. I never got a reply to that email, and STILL no remedial action has been taken. KeyBanks website is it's primary way for customers to interact with their account, but the website is so VERY lousy. And it's not just on the consumer-end either. I've spoken to KeyBank reps and have had them access my account while on the line with me, and they see the same thing that I see which is very little insight into my account. I openly invite the CFPB agency to access my actual KeyBank account online, so that I can illustrate exactly what I mean regarding the poorly organized KeyBank website. As of the writing of this letter, XX/XX/2021 KeyBank has hit me with fees amounting to what I think is {$75.00}. The reason I say " I think '' is because KeyBanks website is so poorly organized as I've mentioned before. The online portal only allows users to see the last THREE months worth of transactions on the account, and then everything else just disappears. When calling into a KeyBank branch and speaking to a rep, I've had one rep tell me that there are no fees and another rep tell me that there are fees. KeyBank makes it so hard to work with them, and they have no problem calling me constantly for debt collection purposes. I have kept all call recording and email communication associated with this issue. I have attached some of those call recordings to this complaint. There are more recordings that I am unable to attach due to limited space.
Complaint sub-issue: Investigation took more than 30 days

In XXXX and XXXX, I filed a dispute with this Credit Bureau about the unverified collection account XXXX XXXX Account number XXXX. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these inaccuracies as of today. Thank you
Complaint sub-issue: Talked to a third party about my debt

I currently have a debt listed on my credit report as being from Jacobs Marsh, however, I 've been trying to contact them for over a week now via telephone and email to no avail. Recntly I received a phone call from XXXX ( XXXX ) stating that they are collecting debts on behalf of Jacobs Marsh. So I eventually arranged to pay the debt that is indicated on my credit report and being from Jacobs Marsh. I hope that I am not being scammed! Is Jacobs Marsh still in business? Why did they give my information to a third party to contact me on their behalf to collect the debt. Do they have the authority to collect on the debt AND authorize the disposition of the debt be included on my credit report?
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$710.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Citi first informed me of three fraudulent charges on my credit card to XXXX XXXX on XX/XX/XXXX in the amounts of {$780.00}, {$770.00}, and {$130.00}. Per that phone call I was led to believe that these charges were flagged and removed from my statement but only a few days later did the charges re-appear. An additional phone call to Citi customer service proved to be unhelpful as the customer service representative was unable to mark those charges as fraud on his end due. I was instructed to mark these charges as fraudulent myself and upon attempting that I was unable to dispute any charges myself. I compared to my wifes account which showed that she was able to dispute any of her recent charges, but my account was not showing the same options.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is not showing the correct information on my credit report. Over the past several months i have filed multiple disputes with Equifax explaining to them that the information on my credit report is incorrect. Due to misinformation from XXXX XXXX  my mortgage holder I received late payments for XX/XX/2022, XX/XX/2022 and XX/XX/2022. XXXX XXXX has acknowledge the error and agreed to suppress the late payments for XX/XX/2022, XX/XX/2022 and XX/XX/2022. XXXX and XXXX have already made the correction and suppressed those months, but Equifax has not and are still showing late payments for XX/XX/2022 and XX/XX/2022. Their last response to my complaint did not make any sense nor address the issue. In this complaint I attached a copy of the letters from XXXXXXXX XXXX stating that the negative missed payments for XX/XX/2022, XX/XX/2022 and XX/XX/2022 should be suppressed on my credit report. In addition, I am including screenshots of the XXXX XXXX account that shows on my XXXX and XXXX, showing that they have followed XXXXXXXX XXXX  resolution of the situation and suppressed the negative payments for those months. I will also include my original complaints as well. I am asking Equifax to correct the error and suppress the late payments for XX/XX/2022 and XX/XX/2022.
Complaint sub-issue: Didn't receive terms that were advertised

I submitted a CFPB complaint XXXX to MoneyLion on XX/XX/19 and they on XX/XX/19 and admitted their problem that failed to offer me the welcome bonus {$590.00}. They said they will add me the bonus within 1-2 weeks after their response date XX/XX/19, however, so far, it has been about 4 weeks and I still haven't seen the bonus posted to my account. I tried to contacted them many times, and their customer service number can never be reached and always asked me to leave a message and they will call me back soon, but they never called back. Please be honest and keep your promise to add me the bonus funds {$590.00}.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX- Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Information belongs to someone else

my identity was stolen. 

i am a victim of identity theft and my information was used without my consent these are UNauthorized inquiries on my account please block and remove these UNauthorized inquiries XXXX ) Company or Organization : XXXX XXXX XXXXXX/XX/2022 XXXX ) Company or Organization : XXXX XXXX XXXX XX/XX/2022 XXXX ) Company or Organization : XXXX XXXX XXXXXX/XX/2022
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I mailed a letter about inaccurate information on my credit report. It has been almost 2 months and I still haven't received any results of an investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

A background check contains incorrect information : I have never been in Illinois. The assertion that I have been in XXXX, Illinois suggests that my identity has been stolen.
Complaint sub-issue: Public record information inaccurate

I applied for an apartment to lease and was denied for reasons on my equifax report that i have no knowledge of after reviewing my report online
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX, account number : 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: Problem with personal statement of dispute

I contacted XXXX in, XX/XX/XXXX to resolve, 5 credit reporting disputes. There were two collections companies that generated these complaints three were generated by the same collections company the remaining two by another. They were all in reference to medical bills that had been reviewed and previously paid by the insurance carrier I had at the time. Each were referenced to coverage in years, XXXX and XXXX. 

I had contacted the companies to verify findings for payments known to be true. After two episodes of research XXXX agreed that the billing was in error and in, XX/XX/XXXX these disputed narratives were successfully removed from my credit report. 

In XXXX, XXXX I filed identical disputes relative to identical companies once again challenging the legality of credit reporting with, EQUIFAX. This collections company felt that there were no grounds to release these identical disputes from my credit report. By XX/XX/XXXX I had challenged the findings on three occasions only to be told that our decision is final and they have zero need to do follow-up with XXXX. 

As with so many households in the United States this, 24 plus month raging global pandemic phenomenon has hit my family especially hard. I have attempted to continue to pay my bills on time and keep my ratio of debt to expenditures to a minimum often times electing to go without necessities vs a surprise bill that could easily decimate my meager savings! Therefore It is essential that these unfounded burdensome narratives be removed from my credit summaries. 
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Complaint sub-issue: Information belongs to someone else

My wallet was lost and my identity was used to open different accounts in my name.I was notified by XXXX XXXX XXXX XXXX about suspicious activity to my account. Upon talking to them I was told about the actions of the perpetrators who was using my name they open a XXXX account they also open a XXXX  leasing account as well as different telephone companies such as XXXX XXXX XXXX XXXX and XXXX XXXX I was contacted by different collection agencies and I also couldnt contacted XXXX and XXXX and Equifax with the knowledge that was given to me to the collection agencies also have accounts for XXXX  And they also opened up telephone accounts with XXXX XXXX and XXXX in my business name I would like you to take a look at it is matter so we can get it resolved as quickly as possible to restore my name back to good faith