Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

Since, XX/XX/XXXX until to this day of XX/XX/XXXX I have been disputing with XXXX XXXX XXXX , XXXX. regarding a debt I do not owe to XXXX XXXX Apartments in the amount of {$74.00}. 

I have repeatedly asked Equifax Credit Information and XXXX XXXX XXXX , XXXX to provide me with proof of my signature that I have legally binding contractual obligations to pay XXXX XXXX XXXX , XXXX {$74.00}. 

Equifax received documents to prove my claim of a debt I do not owe. Yet, they continue to undermine the Consumer Financial Protections Bureau with the results of their investigation to be accurate and without proof of evidence. 

The same information was presented to XXXX and XXXX  for investigation. It obvious Equifax have not investigated this claim and continue to report the information to be accurate which leaves me no choice but to file a small claim with the court system.
Complaint sub-issue: Debt was result of identity theft

Recently reviewed my XX/XX/XXXX report and noticed PNC bank accounts that were removed and some that were closed due to fraudulent transactions. I am requesting for PNC bank to remove any debts from my name for any checking accounts as I havent used any accounts with them since 2002.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022 while shopping at the XXXX supermarket in XXXX PA a mistake was made by the cashier and unnoticed by me or the store I was charged over {$6000.00} for a stalk of celery. When I received my bill from Discover card on XXXX XXXX I immediately contacted Discover fraud division. They told me they would take care of this, that I wasn't responsible for this amount and would send a new card which they did and I disposed of the old one. 
On XX/XX/2022 I received a call from Discover people stating the matter did not belong with the fraud division but I should withdraw the fraud claim and file with billing disputes, which I did. Billing disputes personnel advised that I go to XXXX and try to work it out with them, and I did that on that very day, the XXXX. The store manager immediately found the problem and the next day asked me to come in and they would refund the full amount to my credit card and that's what happened. I called Discover billing disputes personnel and told them about this resolution and thought it was settled. 
Yesterday I received a lettrer from Discover saying no, it's not settled because the amount should have been sent to the old card number ( which was closed ) and they would not accept the payment on the new card and I am being charged for the full amount, as well as being advised that they might institute collection proceedings. I spoke at length with a representative and do not understand why this is so hard to do, just transfer the amount that XXXX agreed to into my present account. Please help straighten this matter out. I do not owe this money, XXXX has already refunded and I doubt they want to do it again. In the meantime I am sending a letter to Discover stating all that I have said here along with copies of their documents.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not give these companies written permission to look at my credit report! 

I do not recognize any of these companies, or why they are even on my report. 

I would like them removed due to improper use.
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. 
XXXX Account DEPT OF ED / XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS AND ONE ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Other problem getting your report or credit score

A creditor attempted to pull my credit report but was to do so because there a block on my cr edit report placed by Equifax. Additionally, I was unable to pull my credit report through the Equifax Complete Premier Plan to which I subscribe and pay a monthly fee. This is an ongoing problem for me with Equifax . This issue is known to them as I see several.
Complaint sub-issue: Other problem

On XX/XX/2018 I purchased an item I saw on the XXXX XXXX show on the XXXX Network, she airs daily in XXXX at XXXX XXXX and has deals on items for XXXX viewers. The product arrived defective we spent {$100.00} for a beauty cream. We put it on our XXXX account using the Discover Credit Card attached to the account. The merchant never returned phone calls or emails or texts and a text we got was written in computer symbols and jargon. XXXX XXXX was extremely uncooperative and finally gave me the address they had for the merchant so I could return the item. I questioned why the item came from XXXX XXXX XXXX and why the address they were giving me in Florida was to an individual with a strange sounding foreign name that could not even be pronounced. XXXX XXXX claimed that this is all they have for this company. And XXXX XXXX will not refund us until the merchant receives the package. I sent the package by XXXX   and have a tracking number ; for over XXXX days the package is in transit going from one postal station to another. Evidently this individual can not be tracked and is running a scam and may have left the country. Discover Card will not issue a refund for this item to us. We have filed fraud dispute with them and are giving us the run around and scripted speeches from them. We sent the item by XXXX and have provided the tracking number to Discover we have done all that we can do on our end and therefore it is up to Discover to issue us a credit for this fraudulent purchase And they re not doing it.
Complaint sub-issue: Old information reappears or never goes away

The company credit bureaus Equifax removed a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX. I check my credit score on XXXX/XXXX/XXXX and saw my credit scored drop 10 points because of an old collection that was removed and put back on with out be being notified five days after it was put back on. 


The credit bureau XXXX removed a collection from XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX and also Afni XXXX in XXXX XXXX. I check my credit score on XXXX/XXXX/XXXX and saw my credit scored drop 10 points because of an old collection that was removed and put back on with out be being notified five days after it was put back on. 

These Accounts were disputed by Law Offices of XXXX XXXX, XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting 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 an account without my written instructions XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX  PARTIAL ACCT # XXXX DEPT OF EDUCATIONXXXX PARTIAL ACCT # XXXX XXXX XXXXXXXX PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXX SOCIAL SECURITY ADMIN ACCT # XXXX XXXX  PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXX
Complaint sub-issue: Information belongs to someone else

I received your response Last XX/XX/XXXX that you need my updated email address which is XXXX I sent a complaint on XX/XX/XXXX to remove Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Accounts : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$91.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint and I'm including it again.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My personal information was impacted by the XXXX leak.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I filed a written dispute about fraudulent inquires with Equifax and XXXX XXXX I provided my police report my affidavit and sent it certified with my ID, Social Security. I received did not receive a sesponse. I then submitted a dispute on line again yesterday XXXX and today XXXX they send me a response saying they inquires are a factual record of fill they know its fraudulent and didn't even investigable because if they did they would know they are fraudulent. I contacted the creditors and was told they requested the fraudulent inquires to be deletd. Equifax did not do any investigation what's so ever please review documents inclosed. They are in violation of reporting fraudulent and inaccurate information.
Complaint sub-issue: Public record

It has been 7 years since I voluntarily requested that that Chapter XXXX be withdrawn. The bankruptcy was dismissed by my request and vacated. I found a way to pay creditors and avoid the need for restructuring. The public record for said action has fallen off of my credit reports for XXXX and XXXX. But Equifax states that their policy is 10 years. Why does Equifax get to be the exception? It seems totally unfair that this one agency is the exception for an action that I voluntarily withdrew and was affirmed vacated by the bankruptcy court over 7 years ago. It seems as though the reporting agencies are never about helping consumers but are in league with lending and business interests to extract as much hard earned money out of them as possible. Disputing with Equifax simply earns you a form letter stating that it is their policy.
Complaint sub-issue: Debt is not yours

I have sent several disputes to the collection agency and to the credit bureau regarding an account IC Systems is reporting on my credit reports. I have asked them to send a copy of a signed agreement and account history as proof that the account belongs to me. They have responded with a settlement letter and a payment invoice created by their company. They continue to report the debt without legal validation of the debt in violation of the Federal Debt Collections Practices Act and the Fair Credit Reporting Act which requires that all information reported be accurate, complete and verifiable.
Complaint sub-issue: Was not notified of investigation status or results

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX / XXXX / {$0.00}
Complaint sub-issue: Account opened as a result of fraud

A bank account was opened with Comerica Bank on XX/XX/2022, I contacted them and they closed the account.
Complaint sub-issue: Reporting company used your report improperly

Equifax has released my SSN and other vital private information to the public without any recourse for me to be protected. While they are offering " protection '' ( quotes are important ) it removes any ability for me to be properly reimbursed for my time and expense to clean up any issues created by Equifax. It is important that the CFPB work with Equifax and other reporting agencies to determine everyone affected and to for no cost to those affected place an immediate credit lock on their reports for at least a period of 5 years. In addition the only way to remove this lock should be to contact, in writing, at the address on file from before the breech was committed, the person having their credit being queried, modified, or otherwise interacted with to prevent future fraud for those affected.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the lawXXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These companies continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address companies use to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX Citibank XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX Bank XX/XX/XXXX ( XXXX ) Associated with fraudulent po box
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2023 I deposited a check through the mobile app to my CitiBank online portal. 
They are flagging this check ( from my dad through XXXX XXXX for $ XXXX, totally not fraud ). 
I did not find out until I went to dinner and my card stopped working. CitiBank froze all my money. Ive proven that the check came from my dad ( he signed an affidavit and its showing cleared ). They said they will now freeze for 30-60 days. 

I have checks bouncing, my mortgage wont be paid. I need help. The check isnt fraud, they know that. Now they wont release the $ XXXX in the bank.
Complaint sub-issue: Unable to open an account

Citi advertised a {$1500.00} bonus for opening an account, so I filled out the information to open an account online. I already have a credit card with Citi. 

I got an email on XX/XX/2022 with an application ID # XXXX but have not heard back. I responded to the email on XX/XX/XXXX " It's been a few weeks and I haven't heard back. What's going on? '' but have not received a response. 

I believe Citi is committing fraud, by advertising a large bonus for opening an account, then not opening the account.
Complaint sub-issue: Didn't receive advertised or promotional terms

This is a complaint against PNC Bank, which has failed to apply a statement credit in the amount of {$100.00} to my account. The facts are that prior to having a credit card at PNC Bank, I had a credit card at BBVA, which PNC acquired I believe in 2021. After PNC acquired BBVA, PNC closed my BBVA account and sent me a number of advertisements about getting a credit card with a {$100.00} statement credit after spending {$500.00}. One of those is attached. I decided to take their offer and spent more than the {$500.00}, see the statement attached. Despite qualifying for the {$100.00} statement credit, PNC refused to apply it. I have called them several times about this issue and no one there disputes that fact I should be paid. Particularly the case manager I spoke to : XXXX XXXX, see her contact info below. It has been months and it appears that they have no intention whatsoever of paying me. As such I regard their conduct as a scam. Their contact info follows : PNC Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX, XXXX, ext : XXXX XXXX, Case Manager : XXXX XXXX Please prosecute this complaint.
Complaint sub-issue: Indicated you were committing crime by not paying debt

AES has ignored my request for investigation of forged documentation on my promissory note. They have used elusive tactics and verbiage to elude the fact this promissory note is proven to be forged. I have provided the package back with all my signed notarized signatures and samples from documentation-signature past and present- current for comparison. The promissory note was forged by someone at XXXX  XXXX XXXX XXXX * { k. XXXX possibly see promissory } inserts were made, dates were altered, scratched off not signed to verify the altered dates, and this signature is mine. The inserts of persons reference are completely false. The person that altered this inserted friends when they are in fact my family. This altered inserted description is not my handwriting. 
The transfer forged documentation over to Goal Financial from XXXXXXXX XXXX XXXXXXXX XXXX was illegally preformed. They have not provided me with proof of a hand analysis experts to come to conclusion for denying my claim. They are elusive to my inquiries regarding this case. 
I have been dealing with this since 2019 during the hardship of the pandemic, when discovery of the promissory note was mailed to me only because I requested it. I have never received this promissory note and I can see why. It was altered and forged
Complaint sub-issue: Reporting company used your report improperly

Around XXXX 2017, Equifax, though their website informed me they allowed identity thieves to steal personal information on me including my SS #, drivers license number, name and address from their 'secure ' system. 

I never authorized Equifax to obtain this information. In effect, Equifax stored my information improperly, at least by associating my personal information with my Social Security number, allowed thieves access to all the information, and failed to notify me.
Complaint sub-issue: Didn't receive enough information to verify debt

There are two loans being reported on my credit profile with identical Account # s and one is being reported as a collection and derogatory. I have reached out to the Creditor reporting this information and as well as to Equifax who is reporting the inaccurate information. The Original Creditor responded that they no longer are the credit reporting furnisher after asking for validation on the debt. Letter will be attached. I dont see how Equifax or XXXX XXXX is reporting such if they claimed to have verified the account but the ORIGINAL Creditor does not furnish the account anymore nor have information on me for such account. 

Also the CHARGED OFF Derogatory account has ON TIME payment history dating XXXX of XXXX all the way through XXXX of XXXX. This is clearly INACCURATE information being reported and am aware this is a tatic to Re-Age accounts so they continue to report as such.
Complaint sub-issue: Account information incorrect

Equifax should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see attached page from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Sent card you never applied for

Summary : What I was told was a " re-authorization '' of my existing XXXX credit card was actually a new card. I asked the clerk twice if he ran my credit and was told no - he said he just reauthorized my old card. In fact, he did run my credit and opened a new card for me, which I did not want. 

Details : I have had a XXXX store credit card for over 10 years, but do not use it regularly. I went to XXXX on XX/XX/2018 and tried to make a purchase with my XXXX card ( a relatively small purchase of only {$37.00} ). After I swiped it, the clerk asked if I had used it recently - I said no. He said that if I don't use it every 6 months, it needs to be reauthorized ( that seems like an absurdly short window for a store card ). He asked for my drivers license, and then the credit card pin pad asked me for my Social Security Number and Date of Birth. I asked if he was running my credit and issuing me a new card. He said no, he was just reauthorizing my old card. I accepted the information on the pin pad ( admittedly, I didn't read all the fine print - there was a long line of people waiting behind me to check out ). The clerk then handed me a paper slip and said that the new card would be mailed in 15 days. I asked again if he ran my credit and if this was a new card. Once again, he said no. 

I went home and did some research, including checking my credit monitoring service. In fact, he did run my credit and I was issued a new card. I did not want a new card, and I certainly didn't want to be tricked into applying for one. I was told that he was just reauthorizing my existing account. I called XXXX the next day and lodged a formal complaint, as well as closed my XXXX account.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX thank you for removing the inaccurate items on my previous dispute but you didnt remove other inaccurate items that are in the attached files. Im sending this letter in regards to the remaining inaccurate information your company continue to place on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.