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

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX the following inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX Balance : {$0.00} Bankruptcy XXXX  XXXX Reference # : XXXX Bankruptcy : XXXX XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/22, I learned that my check XXXX XXXX was cashed to a person that I did not authorized. The check was written to XXXX in the amount of {$66.00}. The check was washed and written to a XXXX XXXX XXXX for {$15000.00}. PNC Bank was notified on XX/XX/22. I was not able to open an account online, so on Monday XX/XX/22, I went to my PNC branch location in XXXX, GA to open a new account while the current account was being investigated. The branch was under staffed and not able to take that day. They referred me to the XXXX location in XXXX XXXX, XXXX XXXX XXXX opened a new account. The bank mailed me an affidavit which I submitted on XX/XX/22. After a couple of weeks, I checked with XXXX XXXX on status of resolving this matter and stated that I really needed my {$15000.00} returned. At that time she asked me if the bank had told me that it would take 120 days to look into this matter. I told her this was not satisfactory. She made a complaint on my behalf. I was was contacted by XXXX XXXX XXXX at PNC. I asked at that time if PNC would provide interim funds. She said it was not possible. She basically said it takes 120 days and there was not anything I could do about it. I received a letter from PNC Bank on XX/XX/22 that showed proof of payment and to call PNC if thought it was fraudulently negotiated! I was upset. XXXX XXXX said it was standard procedure and PNC was still investigating. She said I should file a police report. I filed a report with the XXXX Georgia police depart. Case # XXXX with XXXX XXXX XXXX in late XXXX. I found out later from XXXX that the PNC XXXX request XXXX is XXXX. 
It is now closing on almost 3 months since the fraudulent check was issued. Check washing has happened often recently, especially for mailed dropped off at the XXXX post office. Other neighbors and friends that I know have received their money from other banks within a month. The banks are XXXX and XXXX XXXX XXXXXXXX. It seems very unreasonable to have this issue take so long. Also, it seems suspicious that the person knew they could write a check for {$15000.00} and it would go through. XXXX Police said that {$1500.00} was the highest amount that had been frauded to date! 
Basically, I have to call periodically to get updates on this from PNC. The only PNC rep that I have a phone number to is XXXX XXXX in the XXXX XXXX. Her Branch Manager is XXXX XXXX. The person handling my complaint and investigation is XXXX XXXX  XXXX. When I spoke to her in XXXX she gave me a number that was never answered and you could not leave voice mails. I feel like they are hoping that I will forget about this matter. I am over XXXX and feel I am being taken advantage of! PNC never has offered to provide funds in the interim while I am out the money. I have asked at least twice. This is unsatisfactory service!
Complaint sub-issue: Fee problem

My bank shows a balance of {$3000.00}. But my account is being charged over draft fees for the last 9-10 months.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate I will continue to send complaints until equifax and XXXX XXXX follow the Consumer law
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX   - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Account information incorrect

This credit reporting company aggressively downgrades an individuals credit while substantially delaying credit upgrades for the individuals. Many times Ive lost 50-70 points overnight on my credit yet even though I address the issues nothing happens. The credit reporting company uses this and other administrative tactics to manipulate the individual. By creating this false narrative the credit reporting company creates a need then immediately sells into the very problem they create.This credit reporting company quickly sells credit repair upgrade features, pushes selling long term complex credit reporting contracts etc., and high interest rate credit cards. The credit reporting company however delays or never addresses disputes. An Anti-Trust situation and class action issue. This credit reporting company never provides live customer service and refuses to acknowledge anything unless its brought to this level
Complaint sub-issue: Was not notified of investigation status or results

Submitted ID and social security card copies via online ( several months ago ) and via certified mail over a month ago as i was unable to access credit report. I believe equifax has the wrong last four digits of my social security. My credit card was closed and after filing complaint with credit card i was informed : On XX/XX/2018, we received an ownership dispute directly from Equifax. We conducted an investigation, and the account was permanently closed. The closure of this credit card which was my only card resulted in a drop of score from 700 's to non existence. Called via phone and was told they do have the correct social security so i am not sure what is going on with equifax and why the ownership dispute.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reached out to Equifax about   XXXX inquires  that I did not apply for listed on my credit report. These inquires are unauthorized! I have also reached out to the companies listed on my report with no results. All are from the year of  2015 . I have no tieds to any of these inquires. I now have a  XXXX  account but never in  2015 . The only  2015  inquiry I do have is  XXXX .
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is not doing a full investigation to verify debt on my credit report information is inaccurate
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I found out my identity has been stolen since XXXX as of XX/XX/XXXX. I also filed a police report on XX/XX/XXXX, regarding this matter of impersonation. There were several inquiries listed on my credit reports that I was unaware of. I contacted the companies the inquiries that were not removed. Attached you will see a copy of my credit reports and highlighted accounts as well as a copy of my police report. I was told that I would have to wait until everything in questioning falls off after contacting the companies directly
Complaint sub-issue: Information belongs to someone else

This is my second time making this complaint on my own behalf. My name is XXXX XXXX and i was a victim of identity fraud. I was fraudulent inquiries and accounts attached to my credit profile. I have closed the fraudulent account and have a ftc report. In the report i included all fraudulent unauthorized inquiries and accounts. Ive also attached the report, my id, and social to this complaint. I am making this complaint on my own behalf. There is no third party included. 


INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

Hello, I am writing because Im desperate, I have been dealing with this matter since XX/XX/2022. I had went on vacation to XXXX for my birthday and had my cash app card stolen from a restaurant which I know for a fact they have my card and someone from the restaurant made transactions on my card!!! I was walking by the restaurant and asked for someone for directions I opened my purse a few things fell out which the person I spoke to worked for the restaurant seen when I was trying to open my purse and everything fell out. I have tried for weeks to get help with cash app to get my funds back but, they have taken me through XXXX! They put these unprofessional and scam bots on these calls which keeps going into circles. I had to borrow money from my mother because the funds they stole where taken from my living expenses. I feel so undefeated and these people do not care. Please help!!! Thank you!
Complaint sub-issue: Account status incorrect

This company is not Metro 2 complaint in regards to the balance being reported and also the payment history.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX 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: Information belongs to someone else

I have been a severe victim of identity theft, from taxes being file in my name to fraudulent accounts displaying currently on my credit file. I have taking the liberty to file identity theft report and sent to Equifax Credit Reporting Agency. I was told by Supervisor in the Fraud Department with Equifax. Mr. XXXX in Nevada location. I can have the items in question blocked/Deleted from my file by completing a FTC identity report and sending it to Equifax. Well on XX/XX/2019, I sent the requested theft report and the accounts in question is still showing on my report as of XX/XX/2019. I faxed the document to Equifax using the fax number Mr. XXXX in Nevada location at XXXX. He stated that it will take 5 to 7 days after I send it to be updated in there systems. It has been over a month and the following accounts listed is still showing on my credit file. I am reaching out o CFPB in order to get this urgent matter resolve.
Complaint sub-issue: Didn't receive notice of right to dispute

I received a payment notification for the very first time and it had XXXX late charges on it. I immediately called and tried to speak with customer care and they just gave me the obvious blurb and it sounds like they are just reading a script about how we can only adjust XXXX payment. I had no idea I even had any charges on my account as the charge was an automatic renewal fee pushed to the account by costsco apparently 2 months back. I had no idea I even had a payment due and thought XXXX renewed the card at the beginning of each year like other accounts I have. Money wasnt even the issue, it was the point of getting no notification and now they tell me the late fee will hit my credit report and I have never had a late fee in my life. They said they emailed and I save all emails and never delete anything and I had nothing from them the dates they state the bill was sent. To top it off they said they would waive XXXX of the late charges but never did.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX I noticed a collections account from EOS CCA for $ XXXXwith an opening date of XX/XX/XXXX. I contacted EOS CCA and was informed that this was a debt collector for a final XXXX bill dated XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX to determine next steps and was informed that it was a XXXX XXXX account. On XX/XX/XXXX I contacted XXXX XXXX and was repeatedly told nothing could be done because XXXX no longer had access to the account since it had been sold to a collection agency. 
I contacted EOS multiple times due to a language barrier and the telephone lines being closed during their normal business hours. EOS will send me a verification of the debt within 30 days. EOS informed me of the following via telephone : 1 ) XXXX mailed the bill to my address without my apartment number. My previous community had approx. 500 units. 
FACTS : All communication that I had with XXXX XXXX was electronic. My service was disconnected ( because I was moving ) and once service is disconnected so is your access to your online account. My mail was forwarded to my new address. 
2 ) XXXX notified me of the bill in XX/XX/XXXX, XX/XX/XXXX and then sent the bill to collections in XX/XX/XXXX. 
3 ) I asked EOS why the didnt contact me in XX/XX/XXXX. They told me they attempted to call me once in XXXX to a XXXX XXXX XXXX XXXX and was unable to reach me. This telephone number that they contacted me was likely a telephone number assigned to me in one of the XXXX packaged deal that was RARELY if ever used and was disconnected along with the TV and internet services. 
4 ) EOS informed me that it is against their companys policy to delete collections from credit reports I have no issues of paying a {$31.00} bill, but I can neither confirm whether I received it or paid it since it was 2 years ago. It is very frustrating that this has negatively affected my credit score without my knowledge of the bill.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed a copy of my updated credit report, I discovered that some of the accounts are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Problem getting your free annual credit report

Equifax is the only credit reporting agency of the "  XXXX   XXXX  '' that simply refuses to provide my credit information ; and my wife 's credit information ; online. Each time we get our credit reports, the other  XXXX  credit reporting agencies quickly and easily provide our information online while Equifax requires us to scan documents, fill out forms, mail envelopes and wait for the mail. This has been happening for many, many years and I think it 's about time someone complained about Equifax 's non-compliance with the SPIRIT of the law.
Complaint sub-issue: Investigation took more than 30 days

I hope this will go to a human being and not to a computer. The XXXX XXXX XXXX  account on my credit report shows a lot of inaccuracies such as incorrect credit limit {$0.00}. How can you issue a credit card with {$0.00} credit limit? This is inaccurate but it is on my Equifax credit report! Another inaccuracy is the date of last activity. XXXX   shows that this account was last active in XX/XX/XXXX while Equifax shows that this account was last active in XX/XX/XXXX. This is a huge gap. XXXX is even showing a totally different date. 
Those information from the same data furnisher ( XXXX XXXX XXXX ) are contradicting each other. Don't you see that it doesn't make any sense? It is inaccurate but it is on my credit report. 
The information on someone credit report has to be 100 percent accurate which is definitely not the case here. 
The Federal Credit Report Act prohibits you the credit bureaus to keep inaccurate information on someone credit report. You are violating a Federal Law by keeping inaccurate information on my credit report. I have sent multiple letters to Equifax about this issue but nothing has been done. The last letter that I have sent to Equifax about this issue was on XX/XX/XXXX and Equifax signed the postal return receipt on XXXX XXXX. I have attached a copy of the postal return receipt and a copy of my credit report to this statement. It has now been 121 days, a bit more than 4 months, since Equifax received my complaint and nothing has been done, it goes straight to a computer and the inaccurate information is still on my credit report. At this point, I am gathering proofs that I will use against you in court including all communication that I have exchanged with you on this matter. I am in the process of buying an house and you are blocking me. Having the CFPB involved is another proof that I will use to show that you voluntarily kept incorrect and inaccurate information on my credit report besides my multiple attempts to have that account removed from my credit report. I will also seek damages for the consequences of your inaction which actually prohibits me from buying an house. I am right now filling out the form to sue you in federal court under the FCRA which will award me damages including mental anguish damages, damages for economic loss because of your false reporting I got turn down for an house, punitive damages, my attorney fees the list goes on and on ...
Complaint sub-issue: Loan sold or transferred to another company

I am contacting you with a complaint of unfair business practices and discrimination against VW Credit. 
I am scheduled to XXXX  to XXXX as a XXXX  XXXX  XXXX XXXX   employee with the XXXX XXXX on XX/XX/XXXX under military orders. 
VW Credit wont authorize me to ship my car which is ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) Hawaii License # XXXX with the following XXXX # XXXX According to VW Credit the only vehicle owners authorized to ship their POV are XXXX XXXX  military. As an XXXX XXXX Veteran with ( 4 ) XXXX XXXX, I feel highly discriminated against. I have tried to refinance my vehicle and found the following issues : 1. XXXX will not ship to XXXX 2. XXXX XXXX XXXX denied my loan request 3. I can not use XXXX XXXX 4. I can not sell the vehicle as the balance on the car is more than the car is worth. I bought the vehicle in XXXX XXXX from XXXX XXXX. The dealership can not help me in this situation. 
5. Due to the car being upside down, it is almost impossible to sell the car to a private individual. 
6. At this short period of time, it looks like I must surrender the vehicle to the dealership I purchased it with and that becomes a repo. This will affect my career with the federal government and my secret security clearance status.

7. I have contacted a law firm and was told to contact your company regarding this issue. 
I am appalled that after several attempts to reason with VW Credit, they refuse to help resolve this issue. My XXXX XXXX is the second XXXX  I have had with VW Credit. I can no longer trust VW Credit as a veteran friendly company, not only for me, but other veterans, federal government civilian employees in the same predicament. Is there anything you can do on my behalf? 

XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX
Complaint sub-issue: Told you not to respond to a lawsuit they filed against you

I attempted on several occasions to resolve a debt issue by offering a settlement and was ignored outright and then sued for the debt. When I attempted to resolve the debt after notification of the debt, they ignored me again to force a judgement in court. I last spoke to someone a week ago who said they would have a resolution in 24 hours and are not responding to my attempts to settle.
Complaint sub-issue: Information belongs to someone else

Equifax has violated my federally protected consumer rights. I have never given the any written instruction to furnish any credit report on my behalf. Also, they are reporting nonpublic information on my XXXX report which is a violation of my privacy. VIOLATIONS pursuant to 15 usc 1681 ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 )
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX Balance : {$340.00}