Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not received from closed account

Opened CD account with XXXX XXXX XXXX on XXXX XXXX XXXX. XXXX XXXX CD recently taken over by " US BANK ''. 
CD reached maturity on XXXX XX/XX/XXXX. 
Called US Bank on XXXX XX/XX/XXXX at XXXX XXXX. Told my account would be closed and I would be sent a check for sum due. 
Called US Bank again on XXXX XX/XX/XXXX at XXXX XXXX  since check not arrived. Again I was told that the check " was in the mail ''. They informed me that the check was mailed on FRI XXXX XX/XX/XXXX. 
Called US Bank again on XXXX XX/XX/XXXX at XXXX XXXX  since check had not arrived. I was told that the account was not closed/processed until XXXX XX/XX/XXXX and AGAIN told that the " check was in the mail ''. 
Received a letter form US Bank today ( XXXX XX/XX/XXXX XXXX entitled " Recent activity on your CD account ... ''. They were allegedly notifying me that the account was closed. They wanted me to be aware and that no action was required if I was party to the closure of account. I have still not received the funds! 
In my opinion, this is an extraordinary and unwarranted delay in reimbursing me. I have no idea when I will receive funds. If it had truly been mailed on XXXX XXXX, I would have received it by now. They are delaying reimbursement on monies due me ...
Complaint sub-issue: Account status incorrect

equifax is reporting inaccurate late payments on my credit profile from companies such as XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX during XXXX and XXXX
Complaint sub-issue: Deposits and withdrawals

XXXX & XXXX fraudulent checks where deposited in my personal account after seeking a personal loan through credit karma. The company is XXXX XXXX XXXX. I was told the deposits were to verify that the account was actually mines. I was told after the deposits were made take the money and send it back and the process would be complete. After this my account was put in the negatives ( - {$650.00} ). I XXXX the company and apparently it is a actual company. They have people impersonating they are with this company but actually are not.
Complaint sub-issue: Their investigation did not fix an error on your report

For six months we have been trying to rebuild my credit and have filed dispute upon dispute regarding the reporting of one of our credit lenders, XXXX XXXX XXXX XXXX for a vehicle loan for a XXXX XXXX XXXX. Time and again XXXX XXXX has reported inaccurate information to the Credit Reporting Bureaus. On XX/XX/XXXX we have paid the loan off, yet it is being told to us by the Bureaus that we still owe either {$2800.00} or up to {$8000.00} on the loan that is satisfied Each time that we file a dispute we are told to send in any documentation that we have showing that the information is inaccurate. Each time we have sent information to the credit bureaus and we have sent these disputes via certified mail and have proof of receipt. We have spent nearly {$150.00} over a six month period disputing these claims with no satisfaction.

! - the lender is reporting inaccurately 2 - the credit bureau is refusing to accept any requested documentation to overturn the lender inaccuracy 3 - the resulting issues are detrimental and damaging to my credit score and being reported inaccurately and falsely
Complaint sub-issue: Account information incorrect

XXXX is still appearing on all three of my credit reports although the balance has been satisfied. It still shows as an open loan with the full amount due and that is incorrect.
Complaint sub-issue: Information belongs to someone else

I contacted the Credit Agencies in an effort to get them to remove fraudulently reporting accounts and inquiries from my credit file. The following fraud accounts are reporting on with the following Credit Agencies : XXXX is XXXXeporting the following fraud accounts : 1. XXXX XXXX  - XXXX XXXX XXXX 2.  XXXX - XXXX XXXX XXXX ( 3 Accounts ) 3. XXXX - XXXX XXXX 4. XXXX XXXX Equifax   is Reporting the following fraud accounts : 1. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX Please assist in helping me to get the following items removed
Complaint sub-issue: Information is not mine

I recenctly filed a complaint with cfpb to have a bankruptcy to be removed from my Equifax credit report. When the investigation was complete the bankruptcy was removed and XXXX negative items were added. This could be coincedental I found it odd right after a complaint. I 've since disputed the items that do not belong to me but it seems Equifax has no sense of urgency of getting the items removed. I reached out to the creditors and the social security numbers do not match on these accounts that were added. There are duplicates that 's on my credit report this caused my score to drop XXXX pints in XXXX day. They never verified the social security number they just added this to my report. I took the time and contacted each new item on the report and the last four of the social security numbers does not match mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

" CREDIT INFO '' INQUIRE INFORMATION DATED XX/XX/2016 DOES NOT BELONG TO ME AT ALL
Complaint sub-issue: Information belongs to someone else

MY IDENTITY WAS STOLEN SEVERAL YEARS AGO AND I'M HAVING ISSUES WITH A COLLECTION ACCOUNT THAT IS DUE TO THIS MATTER.
Complaint sub-issue: Their investigation did not fix an error on your report

For about 3.5 months I have been trying to get incorrect items validated or removed from my account that are reported by the 3 bureaus. I have sent multiple letters only to get that the accounts have been verified and are to remain. They are updating my credit report multiple times per week with these accounts with different dates, as if to cause me to be ruined for questioning such. This is unlawful and needs to be stopped.
Complaint sub-issue: Investigation took more than 30 days

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Complaint sub-issue: Debt was paid

have BEEN REPEATEDLY trying to stop XXXX and their numerous collection agency from CONSTANTLY posting to my credit report and other various things for almost XXXX years now. The XXXX Internet account I am referencing was also filed here with a complaint due to XXXX and their collection agencies ( numerous ) CONTINUE to claim that this my account. My account ENDED in XXXX of 2018. I was on the phone with the representative and MY ADULT son was on the call. I was no longer living or using the service, in XX/XX/ 2018 we spoke to the rep about taking the account out or my name and closing MY account. My son wanted to keep the service, so they opened a account in HIS NAME. My account was PAID and CURRENT in order for XXXX to be able to do this. Once my account was closed out ( same day ) my son established the service WHICH I HAVE PROVEN TO CFPB and to XXXX MANY TIMES. My son account I PROVIDED the information for and showing that HE MADE ALL PAYMENTS AND STiILL is to this day. XXXX is being FRAUDULENT. They ARE PURPOSELY ignoring the information that I even provided to CFPB and TO THEMSELVES. 

I do not know what kind of game XXXX is playing. I am going to file a complaint for MALICE with the XXXX of FLORIDA for they BLATANT DISREGARD for the truth of the account paid and information on all payments to date even from my son. XXXX and their continued Fraudulent collection claims REPEATEDLY - IGNORING THE PAYMENT INFORMATION IN WRITING PROVIDING IS NEGATIVELY IMPACTING MY CREDIT for over 3 years. I have excellent history other then THIS FALSE NEGATIVE collection account. 

I am preparing a suit against XXXX for XXXX years of NEGATIVE IMPACT to an account THEY FOR A FACT KNOW WAS PAID/ They transferred and I CONTINUED to PROVE MULTIPLE times IS STILL IN MY SONS NAME even as of today and ALL PAYMENTS since XXXX 2018 HAVE BEEN MADE. This is now my XXXX time to try and resolve this matter and NOW XXXX NEEDS TO BE FULLY INVESTIGATED! 

I WILL BE SEEKING DAMAGES to the Fullest extent that the law will allow
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX MORTGAGE XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I sent a letter to Mendelson Law Firm on XX/XX/2018, asking Mendelson Law firm to contact my Attorney and not contact me directly again. I provided my Attorney s contact information in the letter.The letter was sent certified mail with a tracking number. The letter was delivered On XX/XX/2018 at XXXX to their address. Mendelson Law Firm has not tried to contact my Attorney. I was recently sent a letter about disputing my debt with this firm. My rights are being violated.
Complaint sub-issue: Reporting company used your report improperly

I have recently requested for a full check of accuracy on all three of my credit 's reports from, XXXX, Equifax and XXXX. I have done a full investigation on this accounts that I have notice to not be accurate on my reports, after I requested the credit bureaus to look in to the this matters at hand. I requested my credit bureaus check for accuracy in XX/XX/2022 and also in XX/XX/2022, I see there are serve accounts that are not accurate or not mines still present on my reports. According to The Fair Credit Reporting Act, 15 U.S.C.1681 section 602A. States I have the right to privacy. The Fair Credit Reporting Act, 15 U.S.C. 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Here is the listed of account wrongfully, inaccurately, or not mines at all that is still been reported on all the credit bureaus or just on one or two bureaus. I also have a police report on where my wallet was stolen out of my car. Someone was trying to open accounts in my name. 

XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX I Account Number XXXX XXXX  Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Original Creditor XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXXXXXX : 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reachable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

I never gave EQUIFAX my consent nor written instructions to furnish these accounts and inquiries onto my consumer report. Thats a violation of 15 U.S. Code 1681b permissible purposes of consumer reports ( 2 ) in accordance with the written instruction of the consumer to whom it relates. Since the accounts and inquiries are deleted, a deletion is admission. EQUIFAX willfully failed to comply with the requirements imposed under 15 U.S. Code 1681n ( b ) civil liability for willful noncompliance. My consumer report was damaged and I am seeking monetary relief. The evidence as well as my invoice is attached. I expect to hear from EQUIFAX or EQUIFAX 's lawyer soon to get this matter resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information is not mine

I have a collection from an apartment complex on my credit report that is not mine. I disputed it with both the credit bureaus and the collection company and its still on my credit reports. I would like this account remove from my credit reports asap
Complaint sub-issue: Was not notified of investigation status or results

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 4. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation
Complaint sub-issue: Didn't receive enough information to verify debt

I have tried to contact them on several occasions to get this deleted from my credit report.
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 XXXX. 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 XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Complaint sub-issue: Problem getting report or credit score

I request for loan due to my credit report misplaced ether by some one using my name for his or her selfish ends, please help me to fish out this miscreant
Complaint sub-issue: Account status incorrect

THERE IS A CHARGE OFF REPORTING ON ALL THREE OF MY CREDIT PROFILES AND THAT CHARGE OFF IS FOR XXXX  XXXX XXXX. 
MY SOCAIL SECURITY NUMBER WAS FOUND ON THE DARK WEB.

I'VE ALSO NOTICED THAT THE STAUE OF LIMITATIONS IS UP N THIS ACCOUNT FOR STATE OF IOWA. 
I REACHED OUT TO THE BUREAUS AS OF XX/XX/2022 AND FOLLOWED UP ON XX/XX/2022. I HAVE NOT RECIEVED A RESPONCE OR A STATUS UPDATE BASED ON THE INFO THAT I SHARED ABOUT THE ACCOUNT.
Complaint sub-issue: Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Complaint sub-issue: Can't temporarily postpone payments

While attending XXXX school at XXXX @ XXXX I was pressured by fellow students, professors and media to consolidate my loans. I consolidated my student loans with XXXX with the understanding my interest rate of less than 3.8 % would be locked in and garunteed not to climb. Upon receiving the first statement, I found XXXX already broke the contract. I paid my loan until all my savings was depleted and I was no longer able to pay. My earnings are not enough to provide beyond basic survival. My loans were sold to College Assist, XXXX XXXX, and XXXX. Through college Assist I was offered a rehabilitation program for {$5.00} per month for 12 months to remove my loans from default status. When looking over the agreement I discovered I will be charged over {$30000.00} for the service.. This sort of fee is crippling on top of an already insurmountable figure considering my place in a ruined economy. The loan is increased by around {$100.00} a WEEK. I am being extorted. I find no offering of IBR, deferment or forbearance offered. My requests went Un acknowledged by all contacted listed by the company. I 'm left with this rehabilitation program where I would be paying {$30000.00} plus approximately {$7.00} daily more as my only option of repayment.
Complaint sub-issue: Billing problem

I submitted one payment to be applied on XX/XX/2022. Two payments were applied and taken from my checking account. Called company. I was told there was a problem with their web site. On XX/XX/2022 another payment was applied and taken from my checking account UNAUTHORIZED. I called her as told this was happening to multiple people. Again on XX/XX/2022 another payment is as attempting to be applied UNAUTHORIZED and I have yet to get my money returned or an explanation as to why this is happening. XX/XX/2022 they attempted again UNAUTHORIZED
Complaint sub-issue: Trouble getting, activating, or registering a card

I sent XXXX XXXX to Discover Secured credit card to establish credit. They Never opened me an account and claimed they could not verify my information and took my XXXX for 3 months before giving it back in the form of a check. They are reporting a closed account that they never opened. I have challenged this on my credit report as it is impacting my report negatively.This was done to my husband as well.
Complaint sub-issue: Problem with personal statement of dispute

I requested that verification be provided to me for credit inquiries that posted to my credit report. 


XXXX XXXX XXXXXX/XX/2018 XXXX XXXXXX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXXXX/XX/2018
Complaint sub-issue: Their investigation did not fix an error on your report

This is in to ref # XXXX my XXXX complaint against Equifax filed with you XXXX XXXX. On XXXX XXXX, XXXX Equifax choose to contact me ( consumer ) instead of reporting to you ; sending me an email of a investigation ( basically no changes to my report ; attachment ), when in fact I did not contact them ; I contacted The CFPB. Then to add salt, Equifax waits till the deadline to request an additional 30 days to reinvestigate. 
It appears to me someone is playing games. Especially, enlighten of this security breach of information cover-up.
Complaint sub-issue: Was not notified of investigation status or results

There is inaccurate information reporting on my credit report i am requesting investigation on, however, the credit bureaus have failed to respond in over 60 days.
Complaint sub-issue: Their investigation did not fix an error on your report

Seven years ago, I had a single, protracted, but continuous delinquency event with a XXXX XXXX XXXXXXXX mortgage that was opened in XX/XX/XXXX. The delinquency began in XX/XX/XXXX and ended in XX/XX/XXXX. That account was subsequently closed and transferred to another lender in XXXX. 
Over the last 7 years, this delinquency has been reported as described above on all three credit reporting agency files, however, 4-5 months ago XXXX XXXX chose to remove the account status reporting for this account only, for the period XXXX through XXXX of XXXX. This makes it appear that this delinquency commenced in XX/XX/XXXX, and thus eligible for removal in XX/XX/XXXX. Equifax has subsequently taken the same action 2 months ago. 
However, it is clear that this reporting is inaccurate, since their own records show the status of the account in XX/XX/XXXX, was already at the maximum 120 day late status. 
The FCRA rules require that this delinquency be treated as a single continuous event, and thus should be removed from my credit report, seven years after the commencement of the delinquency, which would be XXXX or latest XX/XX/XXXX. It should therefore have been removed from the report in XXXX or XX/XX/XXXX. 
I have repeatedly contacted both credit reporting agencies as well as XXXX XXXX XXXXXXXX on this error, but have been unsuccessful in getting them to correct it. 

XXXX XXXX XXXXXXXX claims that they are accurately reporting the account status, while XXXX XXXX is stating that XX/XX/XXXX is the first notification of delinquency that they received on the account from the lender. Yet earlier versions of the credit report clearly show the delinquency being reported in XXXX through XXXX of XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Debt is not yours

On several occassions I have disputed items on my credit report and the creditor claims as valid...