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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXXXXXX {$1500.00} UNAUTHORIZED INQUIRIES : 1. XXXX XX/XX/2022 2. XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXXXX/XX/2022 4. XXXX XXXX  XXXX XX/XX/2022 5. XXXX XX/XX/2022 6. XXXX XX/XX/2022 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit AcXXXX. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts.
Complaint sub-issue: Was not notified of investigation status or results

I sent certified letters to XXXX, Equifax and XXXX  post marked XX/XX/2021 and received return receipt on XX/XX/2021 regarding the validity of 4 accounts on my credit report XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have not received a response from any of the credit reporting agencies, these items should be removed immediately Best regards,
Complaint sub-issue: Investigation took more than 30 days

I have a dispute with Equifax that was filed on XX/XX/2020 under confirmation number XXXX. 

Equifax has not corrected the information nor completed the investigation in a timely manner.
Complaint sub-issue: Debt was result of identity theft

This debt ( XXXX Cable Bill ) was the result of identity theft. Someone has utilized my identity to take cable bill under my name. I contacted the agency and paid the bill. I was told that once I paid the debt, it will be removed from my credit report. in fact, I was asked to pay 75 % ( {$110.00} ) of the bill ( {$150.00} ) to clear it out on my credit. Rather, I paid 100 % of the bill ( {$150.00} ) to make sure it will clear on my credit. However, as of now, the transaction still on my credit report, as negative item. As a result, my credit score has decreased considerably, from XXXX to XXXX. Please have this company removed this negative transaction on my credit report.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
Complaint sub-issue: Information belongs to someone else

I'm soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report.
Complaint sub-issue: Information belongs to someone else

I received a past due bill of {$370.00} in XX/XX/2020 because someone took out a {$5000.00} credit loan from Conns XXXX XXXX in which I never opened an account from or bought things from. I have contacted the fraud department. They sent me a form, I have to file a police report and a FTC report and this report.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, I opened an account at PNC Bank in XXXX, PA. The initial deposit was approximately {$3200.00}. Between the opening date and my departure to XXXX, no other large deposits were added. Upon arriving in XXXX, I opened an account at a XXXX bank. Prior to my first paycheck, small deposits via XXXX ( {$100.00} - {$150.00} ) were deposited to my PNC, which was linked to XXXX. I believe maybe two or three. Again, no large deposits or withdrawals. On XX/XX/XXXX, I informed PNC that I will be traveling to XXXX with a return date of XX/XX/XXXX. Their representative informed me that I would have to inform them every 30 days that I remain out of the country. I made a call to PNC on XX/XX/XXXX to update travel notification. Upon arriving in XXXX, I received two deposits ( {$100.00} & {$150.00} ). I returned back to the states on XX/XX/XXXX, for the upcoming holidays. I visited a PNC in XXXX, NJ to exchange Euros for dollars. At that time, I was informed by the teller that my account had a " hold '' status. I telephoned customer service and spoke with XXXX XXXX. He informed me that someone called PNC on XX/XX/XXXX regarding a {$1000.00} deposit that was not in the account. PNC provided a provisional deposit of {$1000.00} and on XX/XX/XXXX those funds were withdraw. Immediately, I informed them that I did not make such a request. An investigation was initiated. Mr. XXXX informed me that a HOLD would be placed on the account and to destroy my debit card. On XX/XX/XXXX, my parent informed me that a letter arrived from PNC. Again, even after the HOLD was supposedly added to my account, PNC allowed another individual to call regarding a {$1000.00} deposit. PNC provided another {$1000.00} provisional deposit. These funds were withdrawn. Now, PNC is attempting to hold me accountable for monies that they freely dispersed. The balance on the account should be no more than {$10.00}. PNC did not ask any verification of information for the imposter to PROVE that they were me on the other end of the phone. They did not ask for birth date, address, social security number, and or mother 's maiden name. They just dispersed funds freely. What has annoyed me is that they did it a second time after a HOLD was placed on the account!! I have telephoned on XX/XX/XXXX, spoke with another representative, XXXX, that informed me that fraud was " all over '' the account. She, herself, could not understand it. She wrote up a Security Incident Report, # XXXX. I did not get such a report when I spoke to XXXX XXXX on XX/XX/XXXX. This is disgraceful. I am left to believe that these fraudulent transaction are actually being done " in house ''. Why would they issue another provisional {$1000.00}?, especially if the account has a HOLD on it!
Complaint sub-issue: Account information incorrect

I have sent a letter to equifax, XXXX, and experian in reference to incorrect information being reported on my report. I have not gotten a response from equifax or transunion. Equifax responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. There was charge off on my XXXX XXXX XXXX XXXX account. The date of first delinquency was XX/XX/XXXX. The account has not only been reaged due to them reporting a CO on several occasions after it first occurred which is illegal but been completed altered so that the CO isnt reflective. XX/XX/XXXX makes 7 years from the date of first delinquency therefore this account should not be reporting at all. It is the bureaus responsibility to report accurate information.
Complaint sub-issue: Overdrafts and overdraft fees

I was charged overdraft fee twice for {$36.00} each on XX/XX/XXXX and XX/XX/XXXX for insufficent fund. I was never opted in overdraft when I signed up for the checking account. Once I found out that I had a negative balance on XX/XX/XXXX and I immediately pushed money into my U.S. bank checking account and the balance became positive on XX/XX/XXXX pending final clearance on XXXX. Then I called and spoke with the U.S. Bank representatives for requesting to waive the fees because not only I did not opt in overdraft but also it was my first time for being charge overdraft fee. Both representatives said they cant refund the fees because my refund limit is {$6.00}?! I questioned why there was a refund limit in my account and they said it was based on my activities which dont make any sense to me. I had a recent direct deposit of {$3000.00} from my work. Also, for example, if I used my debit card to buy something over {$6.00} and decided to return it, I would have only got a maximum of {$6.00} back?! Both representatives refused to increase the limit and said the fees can not be refunded. That is very disappointing. I would like U.S. to refund the fee to me.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XXXX I received a call and he asked if I would be home or some one over the age of XXXX would be. I asked why and he said some one over the age of XXXX need to sign for a delivery i asked what type of package is it he said a document and he said I cant say any more that he also said to call this phone number XXXX and they can schedule a time for me to come back out. 
@ XXXXXXXX XXXX  I called XXXX and the lady asked for my name I gave it to her and she gave me my last four of my SS # and then looked up my account and said that if I don't pay this bill of {$930.00} buy Thursday it will go to court and then i would have to pay {$2200.00} in court fees and lawyer fees i said ok ill see what I can do. 
@ XXXX i called us bank which is the bank the I so-called owe money to i spoke to a very nice lady and she said that this doesn't sound right and she looked up my account and said i don't have one there and then transferred me to a norther person and they called me back @ XXXX he said the same thing that I don't have a account with them so 2 people said the same thing. 
@ XXXX i called my wife and she said the same thing no i dont have a account there. 
@ XXXX i called them back and said if you can show me the proof i would gladly pay it. 
I told them my dad and I share the same name and he knows my SSN and I dont know if this was something he did in my name. I have found other things he had done in my name. I had asked where the account was opened, what was the address on the account or phone number and no one will give me that information. If they say this is an account I opened then why wont they give me any info on it? Why when I ask these questions am I shut down? I want some sort of visible proof that this was me, that this was a legit account and they wont give that to me. All I want is proof and then I will gladly take care of this but I do not want to be scammed. 
I have searched all day online for this business and there is nothing to be found. I have used all the information in the email they sent me and I cant find anything online. 
this is the only information I have on the company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX PH : ( XXXX ) XXXX FAX : ( XXXX ) XXXX
Complaint sub-issue: Debt was paid

I paid off this bill with XXXX with a XXXX visa gift card in XX/XX/2015. XXXX claimed they never recieved the payment. I emailed and faxed over proof of payment. They continued to ignore and placed it into collections. The collection was FINALLY removed 3 months ago, but now it seems as it has resurfaced. This is damaging my credit. I WILL SUE XXXX!!!
Complaint sub-issue: Information belongs to someone else

THIS COMPANY IS XXXX XXXX ACCT # XXXX IS APPEARING ON MY EQUIFAX CREDIT FILE AS A CHARGED OFF CLOSED ACCOUNT. I DID NOT OPEN THIS ACCOUNT. THIS IS A FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY PERMISSION. ATTACHED TO THIS COMPLAINT IS A VALID UNALTERED POLICE REPORT SHOWING I AM A VICTIM OF IDENTITY THEFT. YOU MAY CALL AND VERIFY THE VALIDITY OF THIS POLICE REPORT, AS IT HAS BEEN APPROVED BY THE POLICE DEPT!!
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/XXXX. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( 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: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Open balance {$3100.00} High credit is lower than balance, delete for inaccurate reporting.
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. I did not authorize these inquiries XXXXIR Date of inquiry : XX/XX/2020 Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 3. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX 13. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX 15. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 16. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX 18. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Account status incorrect

I am making a final goodwill attempt to have you clear up this matter with EQUIFAX Due to the covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have listed the late payments on my report I want to be removed because I'm a victim of covid-19 and legally you should not have put them there.

Failure to comply is a direct violation of FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, subpart E. : Whenever furnishers provide information to consumer reporting agencies, they have obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V.5 To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider all of the trade line information they furnish that reflects a consumers status as current or delinquent.

The following account ( s ) is/are listed as being reported late. Please update them due to the forbearance program regulations. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be updated to accurately reflect a clean payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/21
Complaint sub-issue: Information belongs to someone else

Hello, I contacted Equifax, advised them that I am not contractually obligated to pay two cards on my Account- XXXX and XXXX XXXX I am listed as an authorized user and for those two cards I did not want them on my Credit report and requested for it to be deleted immediately. 

She advised me that it will take 30-45 days via a online dispute and they would have to wait to hear from the creditors. I even explained that I can produce documents from these agencies, and I still got met with resistance. 

I asked her if Equifax has it on the credit report that they provide to me and it states that I am an authorized user, which means I am not contractually obligated shouldn't they be able to take action, just knowing that. The service was so rude she kept talking over me, and cutting me off ... then I got fed up and asked to speak with a supervisor and she got quite and after about a minute or so transferred me over to another rep. To whom I asked her to transfer me to a supervisor. No resolution on my credit to date.
Complaint sub-issue: Talked to a third-party about your debt

I already asked this company to show cause or to remove themselves from my credit report. The agent on phone threatened my fiancee into almost paying a debt that I am not sure we owe. They will not answer questions or show proof that I owe debt.the agent told my fiancee that she would never be able to rent or get a vehicle while this is on the credit report.shady
Complaint sub-issue: Account status incorrect

This is the second time I had an issue with this mortgage company reporting my account as delinquent. I tried both times to reach out to Midland Mortgage and neither time have they made an effort to resolve the issue. The first time, they took over my mortgage from another lending company that sent them my payment that was already made to previous servicing lender. The payment was sent over to Midland Mortgage after 30 days and I tried to explain to Midland Mortgage the payment was made and previous lender advised me not to make double payment and they reported my account past due to credit bureau. Recently, I have never been 30 days past due with Midland Mortgage and thought payment was made and when I realized it wasn't I submitted payment immediately which was XX/XX/XXXX and Midland reported me as delinquent. When I called to resolve to have it taken off in good faith they declined to offer any help. I am great at paying my bills. Their reporting caused my XXXX credit score to drop XXXX points. Account is current. I believe Midland Mortgage should be more fair to consumers in regards to financial reporting.
Complaint sub-issue: Information belongs to someone else

i have dent multiple disputes and verification and receive no results
Complaint sub-issue: Information belongs to someone else

purse was lost at at truck stop with all my personal info in shortly started getting inquires and accounts popping on my cr
Complaint sub-issue: Their investigation did not fix an error on your report

Credit report from  XXXX  and   XXXX   showed an account from  XXXX   XXXX  that is NOT mine. The account was deliquent and affecting my credit. Could not open a bank account. I disputed it over 45 days ago and got an email from  XXXX  stating it was deleted. I tried opening a secured credit card with  XXXX   XXXX  but got denied because of the misinformation from credit bureaus stating that i have deliquent account which is not mine
Complaint sub-issue: Their investigation did not fix an error on your report

I forwarded a letter to the Equifax and XXXX Credit Bureaus dated XX/XX/2022 to update these inaccurate accounts. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello. This is a follow-up case to a previous CFPB investigation ( case ID XXXX ). Merchant PLASTIQ concluded the previous investigation and agreed to issue me a refund for a failed delivered cheque, whose payment ID was XXXX. In the resolution, Merchant PLASTIQ provided a credit slip but after a prolonged waiting, I have yet to see the refund showing up on my credit card. I contacted my credit card company XXXX, and they claimed they had *NOT* seen any refund in the amount of {$1200.00} incoming to their Visa network, from PLASTIQ. Therefore, I'm raising a follow-up case to investigate the refund process, and if the funds had been sent down to XXXX ( i.e. refunding a charge on my credit card ). I am including the statement copy of XXXX, up to today, for reference. If a credit card refund is not feasible, please mail a check payable to the cardholder, XXXX XXXX, to XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, PA XXXX. Alternatively, please direct deposit the refund to my checking account with routing ID XXXX and account number XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered some clothing online, two purchases in the amounts of {$140.00} & {$81.00} The merchandise was never delivered to my home. The packages is missing. I have e-mailed several times with no response to customer service and disputed the charge on their website. For two weeks no response. I have no merchandise and can't get a refund.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, XXXXXXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX and XXXX acct # 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: Their investigation did not fix an error on your report

I presented proof showing that information that they are reporting is inaccurate, but continues to report the inaccuracies.