Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

The consumer reporting agency is violating my consumer rights under 15 U.S. Code SUBCHAPTER IIICREDIT REPORTING AGENCIES. 

There are multiple federal violations that the consumer reporting agency are knowingly violating. I have previous notified them of these violations through CFPB. I have also submitted an affidavit of truth and a demand of removal from my consumer report. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I hold the consumer reporting agency civilly liable for their gross negligence. 

Attached are the Demand of Removal Letter and affidavit of truth that includes the FCRA violations and resolution.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2019 at approximately XXXX, I deposited XXXX dollars at the US Bank ATM machine located in the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX California XXXX The sequence of the bills deposited were XXXX, XXXX dollar bill and XXXX XXXX dollar bills. The ATM machine malfunctioned and began making a shuffling sound and eventually returning the XXXX dollar bill but it kept the XXXX XXXX dollar bills. On the screen it asks me how much I deposited and I replied, XXXX dollars. A receipt was given by the machine along with a statement saying, " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX XXXX XXXX so we can assist in the return of the items ''. I deposited this money into the ATM trusting that it would be used to pay a bill that would hit my account days later. Although, the bills were paid by the bank as they were electronic payments and taken out monthly, others charges were incurred like overdraft fees over one hundred dollars. Also XXXX XXXX and XXXXXXXX was directly deposited into my account. It was immediately taken to cover the overdraft fees that occurred because of the machine malfunction. I called the US Bank to ask them to return the funds that had been direct deposited into my account and I was told once the deposit is in the account, they could not reverse it. I explained to them that I am on a fixed income and needed that money to live on. Still Days have went by and nothing has happened. The money that was taken by the US Bank ATM was Thursday XX/XX/XXXX and it is now XX/XX/XXXX, and the direct deposit that was made on the XXXX for my living expense I still do not have it and its now XX/XX/XXXX. I called US Bank again today, XX/XX/XXXX and talked with a teller that told me that it may take up to 10 business days before I could receive a credit which would make it around the XXXX of XXXX before I would receive any money. I am retired and on Social Security and a fixed income and this ordeal is very unpleasant. What can I do?
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2022, I called Equifax to dispute 2 accounts that I have been trying to eliminate for more than 6 months, XXXX XXXX attended me without last name since by treating me in a hostile way he informed me that he could not give me the last name that the Equifax company prevents him from providing, I notify him that he has to identify himself and he refused 3 times to do so. I inform you of my situation that I send an identity theft report, which indicates that this document did not reach them, I inform you that the report is from the FTC and it indicates that it is not an eligible document to eliminate an account for being opened fraudulent. I tell him to give me or send me the independent investigation they used to determine that the accounts belonged to me and he informs me that he does not have access and that he does not know where to get it. XXXX Violet my rights several times don't tell the truth about the FTC report He admits that they have the report, and tell me the report tho work for delete fraud accounts, he doesn't identify correctly and failed to service by sending me the investigation Equifax use to determine the 2 account are my. I dispute and XXXX give me this account numbers XXXX and XXXX
Complaint sub-issue: Banking errors

I went into the XXXX and XXXX branch to change my checking over to my revocable trust. The teller said I had to make an appointment for this. She made the appointment for me for the following day at XXXX. I showed up the next day at XXXX. The teller told me to wait in the lobby. I waited for XXXX minutes and no one came to help me. I got up and left. Why do I have to schedule my day around this nonsense? If banks are forcing appointments upon their customers, they should honor the appointments they make. This is for the XXXX XXXX XXXX branch in XXXX CA.
Complaint sub-issue: Debt is not yours

In XXXX of 2021 I started receiving calls from RNN Group ( XXXX ) XXXX. I spoke to the company at lest three times and informed them this was not my debt that the SSN did not match mine. In XXXX of 2021 my company received a garnishment for my wages ; approximately {$800.00}. The information on the garnishment was my name but the address and the social security numbers were incorrect. I had my attorney XXXX XXXX make a filing with the courts to get the garnishment released. I have received two calls from them this week where I have advised them this is not me. My compliant is that they are calling my place of employment and speaking to my employees. It is clear this is a debt collector and my employees can tell. This is not my debt please let me know how I should proceed ; it is my fear they are going to garnish my wages again. 

I entered the SSN of the XXXX XXXX that was on the garnishment in the section that asked for the last four so the company can find the account in question. This is not the last four of my social.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a new hard inquiry on my credit report that I do not authorize. This company has already ran my credit score in XX/XX/XXXX ( reported on my credit report as of XX/XX/XXXX ). There is now a 2nd inquiry posted to my credit report as of yesterday, XX/XX/XXXX. I'd like this removed immediately as it is not an authorized inquiry and it effects my credit score.
Complaint sub-issue: Reporting company used your report improperly

Equifax had a security breach and as a result i have become victim of identity theft. My credit card number was stolen to used to attempt to make purchases without my consent.
Complaint sub-issue: Personal information incorrect

I've always used XXXX XXXX, but decided to try all 3 credit bureaus for more accurate information. I tried creating accounts, but the authentication didn't always work because the information is wrong. There's accounts, personal info, creditors, inquiries, etc that are incorrect. I need help filling a dispute and fixing my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax Consumer Reporting Agency on XX/XX/XXXX regarding unverified accounts from XXXX XXXX and Department of Education that have remained on my credit report. I originally disputed this information in XXXX of XXXX and multiple times in XXXX of XXXX as per my previous CFPB report. I was provided an investigation in response to my original dispute and was not provided verifiable information that supports that this agency can report these accounts. I also submitted a final notice of deletion via mail in XXXX of XXXX due to receiving inconsistent reports from Equifax regarding my results, and these report numbers were included in my mailed letter which was also provided to the FTC in XXXX of XXXX. Finally, in XXXX of XXXX I requested proper verification for these accounts and have been provided no new information that has been different from the unverifiable information provided during my first dispute. A total of 4 representatives from Equifax confirmed over the phone on XX/XX/XXXX that this information has still been unverified according to the FCRA but still remains on my credit report. These 4 representatives and Equifax are ignoring 15 USC 1681b by refusing to remove this information that they have not received permissible purpose to report.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

I have a Credit Karma account that I started last year. Since then, I have gotten notified through logging on with them, that I would be approved for a credit card and twice I have applied, still no card, even though they CLAIM I have EXCELLENT approval odds.
Complaint sub-issue: Problem with customer service

Received post discharge monitoring form from Nelnet. The completed form was faxed to XXXX on XX/XX/2019. The form was emailed to XXXX on XX/XX/2019. 

Proof of the completed form is attached to this complaint. 

I need confirmation that Nelnet has processed this form.
Complaint sub-issue: Information belongs to someone else

the Credit Bureaus have done nothing to remove the disputed items from my Credit Report despite the multiple dispute letters I have been sending to the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal documents. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft. However, I see here that the Credit Reporting Agencies seem to not care about the said FCRA regulation that protects a consumer 's rights. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the following disputed items completely from my Credit Report. If the Credit Bureaus insist that that the dispute items belong to me, I will require the Credit Bureaus to provide me copies of documents bearing my signature to prove the Credit Bureaus claims that the disputed items really does belong to me. Please remove the following fraudulent items completely from my Credit report ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX Balance Owed : {$23.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/2022 Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit repert. It is my understanding that you will recheck these items with the creditor who posted them. 
I want the CFPB to publish this description on consumerfinance.gov so that others
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}
Complaint sub-issue: Didn't receive notice of right to dispute

In XX/XX/XXXX I enrolled in XXXX  insurance with XXXX of New Jersey. In XX/XX/XXXX I started work again and obtain insurance from my work. I called XXXX to cancel the coverage in the same month with the intention to cancel the entire month. Due to miscommunication or lack of proper communication from both sides they used the date I called as the cancellation date. I don't have any confirmation from them that of what date they used to cancel the coverage nor did i received further bills or invoices. If i had I would have corrected the above mentioned miscommunication. On the first week in XX/XX/XXXX I received a letter from the GB collects demanding the payment of {$600.00}. I immediately called GB collects. I explained the above and they suggested I called the market place XXXX to request the cancellation date to be turn back to XX/XX/XXXX ( one month ) as I was cover by my work insurance from XX/XX/XXXX. They refuse to change and told me i had to call XXXX. I called XXXX and they told me I had to open a written complain in their website. I tried doing that but the website said this kind of complain had to done by calling the number above which i already called and they did not help me. I don't feel I should pay for something I did not need and never used and especially after almost 2 years have passed since then. Hope you can help. Thank you. XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XXXX I put a fraud alert on my credit bureau file with Equifax. As of XXXX/XXXX/XXXX I had the fraud alert removed and noticed 21 unauthorized inquiries were listed on my credit report with Equifax during the time that I had a fraud alert. I disputed the inquiries in XXXX XXXX with Equifax as unauthorized and fraudulent. In response to my dispute Equifax sent me the attached letter saying that the 21 inquiries were a factual record and refused to remove them. I have tried disputing these inquiries with Equifax and the companies that put inquiries on my report. Equifax is telling me to contact the companies and the companies are telling me to contact Equifax. I am getting nothing but the run around. I need these inquiries removed as they are not mine. According to the FCRA I have the right for my credit report to show accurate information. Please help me. Equifax knows that these inquiries are fraudulent because they did not provide how they verified this information as I have requested several times. I am pretty sure that most of these inquiries were part of the Equifax data breach in early XXXX. I sent out letters to each company directly its been over 60 days and I have not received a response. To my knowledge all consumer reports should be true of whats being reported.
Complaint sub-issue: Funds not received from closed account

I had an old account and I would like to close that account and get whatever is left on there. I tried the support center but they couldn't help me. I would like to keep my current account but close and get any money I may have left on there. I know it's {$200.00} on there for sure.
Complaint sub-issue: Information belongs to someone else

Back in XXXX I went to look at my free credit reports and found an address in XXXX that was never mine and the person at that location opened an account with XXXX Now for {$6800.00}. I contacted XXXX Now with my complaint and was told to submit an Identity Theft/Fraud report which I did on XX/XX/2021. I was told the item was not changed as a result of their processing of my dispute. The person I spoke to asked me for my SSN I stated I was uncomfortable giving it over the phone so she asked for the last XXXX digits. I gave mine and she stated those are not the ones on file for this person. Someone at the credit reporting agency must have put in a wrong digit which is now causing my entire problem.
Complaint sub-issue: Cashing a check

Citibank response to complaint number XXXX handled by XXXX XXXX from Citibank was inaccurate and incomplete. I have never been given a Client Manual of Consumer Account from Citibank for any of my checking accounts. In his response to my complaint he supposedly downloaded this manual for for my review of Citibank policy in regard to stop payment of checks, but only the cover page of manual was enclosed. ( I wonder if this was done on purpose and used as reference just to deceive CFPB and me ). The records on my checking account were modified in regard to check number XXXX for {$1700.00}. Teller # XXXX does not appear on the records anymore and neither a copy of the check is available for my review unlike with previous checks I have written.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$2800.00} XXXX XXXX XXXX Date Opened XXXXXXXX XXXX XXXX Balance {$880.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance {$4400.00}
Complaint sub-issue: Information belongs to someone else

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with XXXX and Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please I’m looking to purchase a home.
Complaint sub-issue: Frequent or repeated calls

Debt was settled in 2010. Collection agency is using robo-calls to harass from number XXXX. Constant calls 3-4 times per day, always no voice on the other line, always immediately hangs up. When I contacted the company associated with the number it was the following : AvanteUSA, XXXX, TX. 

And they were attempting to collect an 8 year old debt that was discharged long ago.
Complaint sub-issue: Personal information incorrect

I have made several attempts to address issues with Equifax but have not gotten anywhere near resolving my issues. I recently contacted them on XX/XX/21 and was waiting for about an hour to speak with a supervisor because the associate was not actively listening to my request and was also very combative with me about what I needed to be done. 

First I have never used a suffix with my name. I have never been known as a Jr. nor do I have any documentation that would indicate so as well as applied for any line of credit with Jr. I have disputed that directly but for whatever they refuse to remove the item and continue to try to verify me as such which is unacceptable. 

Second there is an account for US Dept of ED for a student loan which was in dispute and Ive never submitted a dispute regarding them. The most recent dispute shouldve been on the XXXX accounts so they incorrectly disputed the wrong account and also added comments that it was in dispute which I wanted them to be removed. There is two accounts for XXXX XXXX XX/XX/XXXX that the comments show as disputed but I havent disputed anything about those accounts in over a year and still the comments remain and havent been removed by Equifax. It is increasingly becoming difficult with them to resolve and they have made it extremely difficult to get in contact with anyone. I have always had issues with Equifax in the past about the information they report and the difficulty with correcting to the point that I have also submitted a complaint to the attorney general office and will consider legal action if necessary
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I disputed the XXXX XXXX with equifax waited 30 days never got a response in the mail I called equifax on the phone spoke with the repsentative would not give me information on dispute told me i got a response in the mail online my credit reports customer dispute .. but there is no action taken if the account was verified or not its XX/XX/XXXX no answer .. I also disputed XXXX XXXX  and with a 609 letter waiting to see proof that the account belongs to me i never got a responed i sent in information in XXXX XXXX and i was suppose to get a a disputed response by XX/XX/XXXX no response in the mail the loan company XXXX XXXX is a fraud account i never open or signed for i also tried to get in touch with possible finance and i cant get through to them
Complaint sub-issue: Account status incorrect

The credit reporting agency is reporting a business account on my personal profile. Additionally, they report it delinquent when it's absolutely not. There is no payment due on this account. In any case, this is a business account and therefore should in no way appear on my personal profile.
Complaint sub-issue: Trouble using the card to send money to another person

I was incarcerated under a alias and upon my release I explained to the facility thats I needed to have the prepaid card put in my given name, the card was placed in the alias name! I made a purchase in my given/birth name and when I inquired about the purchase I was asked who is XXXX XXXX , I responded that it was me! The advisor said they had to lock the card because it was in the name of XXXX XXXX! Theyre the same people ( Me )! I contacted the card company ( jpay ) I was asked to send information and was treated badly! Im just trying to get my money off of the card and be done with them!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account XXXX XXXX, XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1. I am requesting you remove this item immediately. The XXXX XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to an0ther entity ( Debt Buyer ) -Accounts reported in error-Incorrect Account Number, Account number not consistent with other agency reporting. Account Numbers differ on XXXX and XXXX Reports
Complaint sub-issue: Information belongs to someone else

Im very troubled by my recent experience with Equifax about accounts appearing on my credit report. I have a mother who has XXXX and a child with XXXX.so Im a very busy man. I recently had some down time and sent my identity theft affidavit to equifax. However, when I refreshed my score this more I saw the accounts were still showing. As a matter of fact XXXX acct # XXXX is reporting twice Im requesting a removal of the accounts immediately Ive also attached a copy of my affidavit as well