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

We had cell phones with XXXX. XXXX turned off our phones for non-payment when we paid them. We told them the exact day we called and paid them through our debit card. We showed them proof we paid them but they refused to turn our phones back on. We also had a 2 year contract which we paid them the full 2 years therefore would no longer have a contract but they denied the 2 years were up and kept charging us money we didn't owe.
Complaint sub-issue: Trouble with how payments are being handled

I am still being charged daily interest since XX/XX/XXXX. Presidential order was it would be handled within 7 days. No response from them.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report information on my credit report that they have sent me in writing confirmation that the items would be deleted ( see attached documents ). I have requested that the following addresses be deleted ( Equifax stated on the report dated XXXX.2018, confirmation # XXXX, that all of the addresses had been deleted ; yet when I pulled my credit report on XX/XX/2018, almost 120 days later, the addresses are still reflected as are accounts that companies instructed Equifax to remove : DELETE ( See attached report where Equifax stated these addresses were deleted : XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Delete : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) The above mentioned companies instructed all 3 bureaus to DELETE the entries ; however, Equifax has blatantly refused.

In summary, DELETE ALL AFOREMENTIONED INFORMATION FROM MY EQUIFAX CREDIT REPORT AND PROVIDE A NEW, FULL, CREDIT REPORT THAT REFLECTS THE OUTCOMES.
Complaint sub-issue: Information belongs to someone else

I've been trying to remove fraudulent accounts from my credit report. The process seems simple enough for me to request an investigation and per LAW, the bureaus have 30 days to finish their investigations and remove accounts found to be fraud. Unfortunately, that's all on paper. Reality seems to be quite different since I'm going into over 200 days and the bureaus have not only not removed fraud accounts from my report, they haven't even started their investigations since I have received no such updates. This seems odd since XXXX tracking shows the bureaus have indeed received my multiple sets of letters and have yet to do anything. This is my final option before I turn to the legal system and sue for compensations.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I purchased an XXXX television from Bestbuy.com for {$1800.00} ( {$2000.00} with tax included ). This initial purchase was on my Best Buy XXXX credit card ending in XXXX. The television was delivered on XX/XX/XXXX. Two weeks after using the television it began malfunctioning. I called Best Buy customer support and explained the situation. They agreed to replace the defective television with a new one, the same model as the original. The television was out of stock at the time so they told me to call back in a week when they expected to have the television back in stock. I called Best Buy customer support on XX/XX/XXXX and the representative informed me the television was now in stock and they could process the return/exchange order. I purchased the replacement television on my Citi XXXX credit card ending in XXXX for the same price as the original order. The pickup/delivery took place on XX/XX/XXXX. When the delivery people showed up, they took the defective television with them but they did not deliver the replacement television. They processed my return on the Best Buy XXXX credit card for the original purchase later that day. I called Best Buy customer support about the replacement television and they informed me they did not see any order for a replacement television in their system and I was not due a television. My Citi XXXX was charged {$2000.00} and I never received the replacement television. I asked them to refund my Citi XXXX if I was not going to receive my replacement television and they refused to do so because they did not see the order in their system. On XX/XX/XXXX I opened up a dispute with Citi about the {$2000.00} charge that appears on my XX/XX/XXXX XXXX statement. I provided order details, receipts, and credit card statements to Citi to aid in their investigation. I can provide these same documents to you to help in your investigation. After a few months of investigating, on XX/XX/XXXX, Citi informed me Best Buys bank is refusing to refund my money and there is nothing else they can do. When I initially opened up the dispute on XX/XX/XXXX I was issued a conditional credit on my XXXX which has since been reversed after their investigation has been closed. Since then, I have been trying to get this sorted out through Best Buy customer support but they have not been cooperating.
Complaint sub-issue: Public record information inaccurate

Multiple inquires from XXXX and XXXX XXXX XXXX reporting hard inquiries on my credit report. Please remove from my report ( s ) Also XXXX  from my Equifax report XXXX, XXXX, and XXXXXXXX XXXXl from all of my credit reports via Equifax, XXXX, and XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX and Equifax did not fix an error on my credit report. The contract was canceled by the company.
Complaint sub-issue: Problem with paying off the loan

36 months ago I leased a truck through US Bank. Last week I paid the balance in full.

When you call XXXX XXXX XXXX XXXX XXXX they claim the loan is closed and I should have the tile in 10-15 days.

When I log in online or call US bank customer service they are still trying to collect and additional {$260.00}. They claim this is just and error to ingnore it.

I dont think Banks should be asking for money the know is not due. A bank should not tell you its an error that they cant fix. The operator went on to tell me that I should be thankful that I dont have automatic payments set up as that takes 2 months to turn off and they will not refund the error for 8 weeks.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX, AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ON ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX -- -> : {$12000.00} XXXXXXXX XXXX XXXX  XXXX -- -> : {$15000.00} XXXX XXXX XXXX XXXX -- XXXX : {$0.00}
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I paid off my lease in 2016. When I recently tried to transfer my vehicle the XXXX  DMV office stated US Bank was still reflected as owner of the vehicle under the lease ( which was paid off XXXX XXXX years ago ). All i ever received from US Bank was a lien release in 2016 which was useless because they were still listed as owners of the Vehicle! I contacted US Bank customer service numerous times for a power of attorney so I could re-title the vehicle and sell it and each time was assured one would arrive within 7 days. It has been 2 months and still have not received the power of attorney or even a phone call or letter from US Bank. My buyer pulled out of the sale and now i have lost over XXXX XXXX dollars in expected proceeds from the sale. Not to mention 2 days pay because I needed to take off and go to DMV and was unable to complete the retitling process. ( XXXX  DMV requires an appointment-usually weeks in advance so i needed to take off ahead of time with the expectation that i would have the POA ).
Complaint sub-issue: Received bad information about my loan

I found out about late payments on my loans ' histories, and called to challenge their legitimacy. I spoke with a woman named " XXXX '' ( ID XXXX ) from Fedloan Customer Service, who advised me to file a Credit Dispute Form. I faxed this form directly to Fedloan, and uploaded an additional Goodwill Adjustment request online. Essentially, I pursued both formal, and informal, requests for Fedloan to " hear me out '', as I did not believe they failed to provide any proper notice. " XXXX '' reviewed my account and disclosed the address that one letter, over the lifetime of my 20+ late payments, was not listed. In addition, the email address was invalid, and no records of a phone call existed in regards to the late status of my account. 

Later in this complaint I will attach the PDFs of both the Dispute Form, and the Goodwill Request, the latter of which contains the record of my XXXX Credit Report to verify the listing of the late accounts. These were submitted on XX/XX/2017, and I have not received any contact, via email, phone, or letter in regards to these claims. With this being day 31 since the dispute was filed, I would like to report Fedloan 's inaction to the CFPB.
Complaint sub-issue: Account status incorrect

I use a credit monitoring service, I was alerted yesterday XX/XX/XXXX, that a hard pull was run on my credit on XX/XX/XXXX through Equifax from a company called XXXX. After some research I found out this is XXXX. I have not applied for any credit cards or loans and did not give this company consent to run my credit. I have reached out to the company and still have not gotten a reply back. I have never had an account with this company so I do not have any access to know what amount was given or who has access to it.
Complaint sub-issue: Public record information inaccurate

In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Identification number XXXX Claim amount {$0.00} Date filed XX/XX/XXXX Status Chapter XXXX bankruptcy XXXX. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX in settlement. {$15000.00} written off. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$25000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$25000.00} written off. {$25000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX, XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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: Not given enough info to verify debt

PNC began non-judicial foreclosure on a loan originated by XXXX Mortgage. XXXX XXXX XXXX, on behalf of PNC, is relying on a hearsay beneficiary declaration to claim it has the note. I questioned that based on official comments from the Florida XXXX XXXX stating notes are digitized and then destroyed. XXXX XXXX XXXX at XXXX claims he spoke with PNC 's counsel regarding my concerns but refuses to ID PNC 's attorney.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have been fighting with the credit bureaus for some time now and i'm getting very frustrated.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX  to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX  I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX   my balance is currently XXXX so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved
Complaint sub-issue: Account status incorrect

I am asking for Equifax and XXXX to follow suit. These accounts have been removed from my XXXX credit report as of XXXX and I would like for them to remove these accounts as well
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I know they received it on XX/XX/2020. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXXXXXX XXXX XXXX I submitted a CFPB complaint against XXXX for reporting unverifiable public record information to my XXXX credit report and file. The unverifiable public record account being reported by XXXX is as listed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX claims that this public record being reported has permissible purpose because it was verified as accurate by reseller Lexis Nexis as of XX/XX/2022 but Lexis Nexis is saying the complete opposite. Lexis Nexis is saying that the public record is unverifiable at that Lexis Nexis has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. XXXX claim they investigated this dispute and that it was verified as accurate by Lexis Nexis but there is no way they attempted to investigate the accuracy of the information if LEXIS Nexis is saying that the information is unverifiable. If Lexis Nexis sold this information to XXXX and are now saying they can not verify the information and the XXXX XXXX XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that XXXX has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If XXXX refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  before a competent court of law! XXXX can be held liable criminally and civilly for these FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.
Complaint sub-issue: Their investigation did not fix an error on your report

Not my accounts lakmte never dont reconogzing account delincuency
Complaint sub-issue: Funds not received from closed account

Hi, on XX/XX/XXXX I deposited my retirement check into citibank ATM machine around XXXX, desperately needing my money to pay past bills in the amount of {$9900.00} ATM id # XXXX, united states treasury check. Then following Thursday it was clear, so I started paying lots of my bills including my rent, around the six bill I was paying with my debit card, I started having problems paying. So I tried going online like I do it was shut down, so I called citibank they told me government check was being investigated for fraudulent looking, lol, unbelievable so they said they had to close my acct and in 45 to 60 days they would send me a check under there company name.
Complaint sub-issue: Their investigation did not fix an error on your report

hard inquiries fraud i did not authorize them i call the company they said they can't help me both companys XXXX and equifax i want all this hard fraud inquiries deleted or i will take XXXX and equifax to court and post it all over social media and call the new channel i really mean it am hurt and i need it remove asap XXXX equifax XXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX owes XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXXl XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Genessee Financial XXXX  {$9600.00} I never got any infomation from this repossession are a notice of sell of this vehicle could you provide me with this information, i need proof of these notice.
Complaint sub-issue: Their investigation did not fix an error on your report

For months ive been trying to figure out who this company is reporting on my credit file, this report is being reported as a collections item! But with no info of the reportying creditor! Zero info on this account, and they keep reporting it as being verified but dont tell me who its with, or who they verify it with!
Complaint sub-issue: Problem getting your free annual credit report

Equifax and XXXX have made getting a free, online credit report more difficult in recent years. After entering all required information to receive my report, I invariably get a message that I must contact customer service for my report. However, I can contact them only during limited weekday hours, and my calls seldom get through after long wait times. XXXX all but compels consumers to ask for paper copies of credit reports, because they no longer allow me to receive and download digital copies. Getting my free credit reports from these two agencies was not a problem prior to 2018, but they now require consumers to jump through multiple hoops to get what was previously easy to obtain. Enough!
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items in my credit report and it has been more than 30 days and I have not received any results.
Complaint sub-issue: Account status incorrect

I have old student loan accounts that should have been cleared with a bankruptcy that had been transferred around by the department of education and are now with XXXX. They had been updated as closed and are now showing that they are reopened again. After I went through the long process of getting them closed with the vendor. This loan for {$12000.00} should have been discharged and shows it was opened : XX/XX/XXXX; showed closed until XXXX of XXXX ; now showing it open but comments still say closed. 

I also have student loans ( more recent ) XXXX or later that have been discharged and even after disputing them with the letter for the department of education, they are still reporting them as opened.
Complaint sub-issue: Fraudulent loan

In the Summer I requested a rescind of recession on my car loan. CarMax declined, but I also sent more letters and never gotten a response back. In my package that I sent with my letter of recession was Affidavit of truth, and a Cease and Deceit letter. They are not honoring my letter and keep reporting to XXXX, XXXX, and XXXX. I am not asking for the retail installment Contract, but I am asking for the Agreement that set for the security interest in place, that I agreed too. I am also asking back my security deposit. According to U.S.C. 15 section 1605 my finance charge was included in the insurance and was in the total of all transaction. CarMax also violated 5 U.S. Code 552a my personal information was given without my permission. I am requesting my Agreement of security interest, not retail installment, my down payment, and Cease and Deceit of reporting to any third party bureau 's.