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

I filed an original complaint against XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX regarding a wrong reporting 30 day late pay on the credit card account complaint number XXXX. ( I have also attached the email confirmation for this ) On XX/XX/XXXX I was emailed by CFPB stating that my complaint will be referred over to the Federal Reserve ( I have also attached that email ) On XX/XX/XXXX I received an email ( attached ) from the Federal Reserve stating that they received my complaint from the CFPB and that it can take up to 60 days to resolve. Fast forward to XX/XX/XXXX I received an email from XXXX XXXX from the Federal Reserve stating that the investigation of my complaint has been completed. ( attached email / Letter of result " I highlighted the key words here '' ) on the letter dated XX/XX/XXXX XXXX XXXX told the Federal Reserve that they are reporting my account closed across all 3 credit bureaus. ( which I highlighted in attachment ) This is false and it continues to report open. I advsd XXXX of this and she proceeded to ask me why the bank returned the payment which I responded why ( all attached ) and she never addressed the fact that the account was still reporting open. I gave it some time so fast forward to XX/XX/XXXX I emailed XXXX advising her that XXXX XXXX was still reporting my account OPEN on my credit report ( email attached ) so she can see the company was lying and not reporting correctly. She did n't respond to the email but she did call me about a week or so later advising me to give it some time to update ( at this point it was 43 days since the Federal Reserve later stated the account should be showing closed ) Im aware it can take 30-45 days to update a report sometimes even 60 days, so I waited. 60 days would be XX/XX/XXXX. Fast forward to XX/XX/XXXX I checked my credit report ( attached ) and as of todays date the account is STILL showing open. I emailed XXXX to update her. But I have also attached all correspondence. At this point I just want this account REMOVED for reporting incorrectly. Per the FCRA any inaccurate information reporting MUST be deleted. They continue to report when I no longer have business with them and they themselves said the account should be closed.
Complaint sub-issue: Was not notified of investigation status or results

XXXX  / XXXX / {$9300.00} XXXX  XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Was not notified of investigation status or results

In XX/XX/2021 I sent letter requesting an investigation into some things my credit report that I believed were suspicious. I have yet receive a response from you I want all this problem get fixed right away and I will not wait another months to receive your response. Failure to investigate these issues within 30 days provides a reason to delete those items from my credit report immediately, according to Section 611 ( a ). They should be removed as soon as possible because it has been 60 days passed and I never heard from you.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and removed from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 i sent a letter regarding inaccurate and unverifiable accounts reporting on my credit report its been over 30 days i have not received and documents/original application that prove the this account is valid i feel like im being harassed with numerous phone calls about an account i have no knowledge of i have also been ignore my request to verify. section 611 ( a ) it is stated failure to investigate/verify these items within 30 days items have to be removed from my report immediately it has been well over 30 days so this inaccurate information should be deleted promptly. i demand this account be deleted immediately or i will file for litigation due to the stress been cause on me
Complaint sub-issue: Debt was paid

Notice Of Cease & Desist Account # XXXX This is a notice to cease & desist. Jefferson Capital Systems LLC has violated my rights according to the Fair Credit Reporting Act, Section 604, Permissible purposes of consumer reports { 15 USC, 1681b }. You guys are practicing illegal debt collection practice. A debt collector is those who regularly seek to collect debts. I am the original creditor/consumer, in order for a consumer reporting agency to add anything that must get my permission to do so and i didnt give you guys permission. I define myself as a natural person and not a corporation therefore, I have the right to defend myself and tell you guys what to put on my consumer report and what not to. Also, 15 usc 1602 ( p ), I did not authorize you to get my information. I am demanding that you guys stop illegally reporting to all consumer reporting agencies and all forms of communication. Take this off of my consumer reports today. This is an alleged debt I am not paying anything. This is the first step of litigation. So if you don't honor this cease & desist and honor my demands I will pursue litigation.
Complaint sub-issue: Debt was result of identity theft

To : Costco Anywhere Visa Business Card by Citi Date : Tuesday / XX/XX/2020 Re : Disputing your response letter dated XX/XX/2020 My initial complaint/dispute was with XXXX XXXX. On XX/XX/2020 this account was closed from their office and returned to you ( Citibank ) per their letter to me. On XX/XX/2020 you responded with information that is incorrect. It is your response to which I am now disputing. I will do my best to tackle this line-by-line so we are clear on this. 
First : that you have CLAIMED to be unauthorized - I am disputing this for this is not a claim, but a solid historical truth. Again, I was a victim of ID theft, and have a police report file to correspond to this. I noticed unauthorized charges on my XXXX account, and they removed the charges FOR the bank account was NOT even mine. Again, from my initial dispute letter to XXXX, the SAME last 4 digits that XXXX said the unauthorized charges came from - are the SAME last 4 digits of this problem. This account is NOT mine. 
Second : OUR RECORDS reflect that you alerted us ( and ) that you logged into Citi Online multiple times - I am disputing this for ( 1 ) What records are these? Are they phone recordings? If yes, then you will have to produce these recorded phone conversations if we must move forward in this. SOMEONE called you as me, but it was NOT me who called you. ( 2 ) Your records say I logged in multiple times. Your online records will show an IP address from where these multiple log-ins came from. I only use my phone and not any computer. So, again, SOMEONE logged in as me from their computer, but it was NOT me from my phone. 
Third : our RECORDS reflect you verified by phoneas well as payments that were made to the account which were returned by your financial institution - I am disputing this for which financial institution do your records show I have? I have only banked at XXXX XXXX, and they have NEVER withdrawn any payments made from me to you. This evidence will clearly show that I, from MY financial institution, have never pulled back any payments made. SOMEONE else did this from THEIR financial institution, but it was NOT me from mine.
Complaint sub-issue: Information belongs to someone else

There are accounts that aren't mine. Please remove them immediately.
Complaint sub-issue: Personal information incorrect

Neverauthorized any credit check from XXXX XXXX. I was told that this was never going to show up on my credit record. I was misled by sales rep, trying to sell me a service. Spoke to XXXX XXXX, Salesperson on phone that day. He said I never should have been asked for any information. 
XXXX XXXX, XX/XX/2017 XX/XX/2017
Complaint sub-issue: Cashing a check

On XX/XX/2021, I deposited a check in the amount of {$4000.00} into my personal checking account with PNC Bank. The check was arranged by XXXX XXXX XXXX who seemingly was my manager for the company XXXX XXXX XXXX XXXX of which I seemingly was employed with at the time. I was told by XXXX XXXX the funds were for payment to contractors and office equipment. The financial institution 's name on the check was PNC bank. The {$4000.00} was posted to my account by XX/XX/2021. After the funds were posted, with instructions from XXXX XXXX, I sent payments to individuals he provided. 
On XX/XX/2021 I received another check arranged by XXXX XXXX. The check was in the amount of {$4500.00}. According to XXXX XXXX, the funds were to be used for additional office equipment. I deposited the check into my account the same day. Shortly after depositing, XXXX XXXX sent a XXXX message wanting to know the status of the deposit. When I checked my account on-line, I did not see the check showing as pending. I contacted PNC customer service and spoke to a rep. The person did not see the pending deposit either. I returned to the branch where I made the deposit. At the branch I learned the {$4500.00} check as well as the {$4000.00} check were fraudulent. I informed XXXX XXXX of what I was told regarding the checks. He denied the checks were fraudulent and said the accounting dept would follow-up with PNC which did not happen. PNC bank reversed the {$4000.00} from my account. I tried to find out from PNC why the {$4000.00} was posted to my account before vetting the check as the financial institution on the check was PNC bank. Had PNC bank vetted the check, they should have been able to determine the check was fraudulent before posting to my account. PNC essentially told me the funds were posted to my account based on their business process. Since the check was not vetted, I requested the {$4000.00} be refunded to my account. The bank is refusing to refund the money.
Complaint sub-issue: Reporting company used your report improperly

to whom this may concern, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 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 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Complaint sub-issue: Information belongs to someone else

A dealership ran my credit without authorization. I had original creditors do an investigation and they found they need to be removed. Bureau is still reflecting incorrect inquiries after myself and creditors have asked for them to be deleted.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has vioated my rights. 

5 U.S.C 1681 section 602 A. States i have the right to privacy.

5 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 5 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Information belongs to someone else

Equifax will not remove items from credit report that don't belong and their customer service is not accessible by phone or internet. Phones are not answered and login navigation is impossible on the website. They should not be in business or have any involvement in credit reporting.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 are the accounts that are reporting on my Credit Reports : XXXX  XXXXBalance {$16000.00} XXXXBalance {$1700.00} XXXX XXXX XXXXBalance {$900.00}
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2022, I tried to get my Equifax credit report from the annual free credit report site. I get to the point where it wants to send you an email with a verification code. It sends you an email with no code and you can not proceed any further. I contacted Equifax and they tried to send me a code while I was on the phone with the agent. I told the agent that I received the same email with no code. You can not get your report without that code to proceed. The agent wanted me to send them more information and id 's to get a code. I asked to speak to a supervisor and was told they were too busy and so I asked to be put on hold and the agent hung up on me. They just want to collect more information on you for their data records and not give you your report but will sell the information to others.
Complaint sub-issue: Their investigation did not fix an error on your report

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
Complaint sub-issue: Account status incorrect

I have disputed incorrect payment information multiple times with the credit bureaus concerning my XXXX accounts. These show multiple late payments despite their agreement to remove late payments and stating that they have reported no late payments to the credit bureaus. Despite submitting disputes and proof from XXXX, the credit bureaus will not remove late payments from these accounts, or have stopped reporting them at all. I would like XXXX accounts to show on my credit reports with no late payments, as agreed upon by XXXX
Complaint sub-issue: Account status incorrect

This account was very past due for quite sometime due to loss of income. I started making multiple payments per month starting in XXXX 2017 to resolve balance. I disputed the total balance because it was still reporting late and as if I was n't making payments. Company updated saying information was accurate and actually increased the balance due after updating a couple of the posted payments which was incorrect. I then re-disputed with credit bureaus with dates payments were made and amounts. As of XXXX XXXX, 2017 the account was paid in full. Today I received an update to my second dispute as the company stating accurate info ... Open {$550.00} past due as of XXXX 2017 and now 180 days or more past due.
Complaint sub-issue: Information belongs to someone else

Kikoff Lending LLC is reporting a fraud account on my credit. I didnt open this account nor did I authorize anyone to do so on my behalf. I learned of this account when my credit rating dropped as there was a late payment. I reached outto Kikoff lending via email requesting the removal and closure of this account. This account is not mine. Please see the attached FTC report and my Driver license
Complaint sub-issue: Reporting company used your report improperly

Went to help my wife get a car, I explain I only wanted my credit ran once because it would hurt my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

Equifax has no record of my credit, despite XXXX and XXXX reporting my credit scores. My husband and I are trying to get a loan for a house, but lenders are unable to get my credit score from Equifax, and as such are having to report my average score as lower than it would be otherwise. I have been informed that if we don't fix my Equifax score then we won't qualify for a mortgage. 

I have contacted Equifax multiple times to try to determine what the problem is or how to get my credit reported normally, but they have not provided me with a way to do so.
Complaint sub-issue: Public record

I filed a dispute with Equifax for a judgement on my credit report. Said judgement was deleted from XXXX and XXXX but Equifax updated the file to state " satisfied ''. They then placed the date XXXX/XXXX/2015 as the satisfied date. I am not able to obtain a mortgage due to their misinformation. I have re-disputed this information twice and they will not change the credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

( 1 ) XXXX, Equifax, and XXXX  ( " the Bureaus '' are credit reporting companies. 
The information that they obtain which is actionable under the FCRA is from credit furnishers. 
( 2 ) In XXXX, I disputed information about a bankruptcy being reported by the Bureaus. 
( 3 ) XXXX resolved the dispute by stating " verified by the United States District Court. '' This statement was patently false. As a matter of law, federal courts neither furnish nor verify personal case or bankruptcy information to credit bureaus. 
( 4 ) On XX/XX/XXXX, I submitted a " dispute '' online with XXXX  and XXXX  stating that since federal courts do not supply or verify information to credit bureaus, the Bureaus either never verified the accuracy or obtained the existence of the public record through a data source.

( 7 ) This circular process violates my right to accurate reporting by the Bureaus and their opaque but intentional disregard for the FCRA and related doctrine. 
( 8 ) The irony is that I provided the Bureaus, via certified mail, copies of my bankruptcy for the purpose of the Bureaus deleting three accounts by XXXX that are labeled " education loans '' but were determined by the federal courts to not be exempt from Chapter XXXX discharge. The Bureaus ignored the bankruptcy documents, since then these agencies found it not strange that XXXX has changed the status on the challenged accounts about six times in the last 7 weeks.

( 9 ) The CFPB has failed its duty to protect consumers against crafty Bureau policies that side-step federal law out of allegiance to corporate data furnishers. These Bureau tactics have a sweeping impact on interest rates, our nation 's economy, and have cost me tens of thousands of dollars in interest and overpayment for goods due to the rating of these Bureaus.

( 10 ) The CFPB should undertake a joint study with Congress on how to minimize Bureau abuse and avoidance of responsibility for their meaningless dispute process.
Complaint sub-issue: Old information reappears or never goes away

I have a paid lean on my credit profile and it is more than 7 years old. The lean has a paid status. However on several occasions letters were written to the credit bureaus for the removal of the negative reporting. I also obtained documentation From the IRS showing the lean is paid in full and that is what was requested by the credit bureaus. The deragatory remark is still present on my credit profile, I would like to have the negative information removed from my Equifax and XXXX credit profiles.
Complaint sub-issue: Their investigation did not fix an error on your report

Someone else 's credit information is reporting on my credit reports. I sent a copy of a police report and my ID to the credit reporting agencies in XX/XX/XXXX and they not only denied that my claim was legit but initially the issue was only on one report but now " the agency that made the mistake '' has uploaded this information on all 3 reports. The person whose information they are reporting lives in a completely different state and owns a home and several other accounts that are now reporting on my credit reports, and this is keeping me from purchasing " my own home. '' I have located the persons full social and date of birth which was a typo by the credit reporting agencies because their social is one digit off from mine and their date of birth is two days after mine. I want my credit reports fixed so that this persons information is removed from my reports. I submitted my dispute originally in XXXX of XXXX and as of XX/XX/XXXX the issue has still not been rectified.They even have a company listed on my report as my employer and I have never heard of or worked at this company because " it is not me ''.