Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive services that were advertised

On XX/XX/XXXX I reviewed my consumer report and discovered identity theft committed on my consumer report as I never gave consent to, authorize nor did I benefit from any of the following Hard Inquires : 1 ) XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX as Pursuant to Federal law FCRA 15 USC 1681a ( d ) ( 1 ) states that said Hard inquiries are indeed consumer reports ; and pursuant to 1681b ( a ) states that any consumer report agency may furnish a consumer report under the following circumstances and no other pursuant to 15 USC 1681b ( a ) ( 2 ) states In accordance with the written instructions of the consumer to whom it relates and I The consumer never gave Equifax nor did I give XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX instructions to furnish any of the said consumer reports on or in my credit file which makes them civilly liable pursuant to 15 USC 1681n for a consumer report is indeed my reputation. On XX/XX/XXXX I sent Equifax an identity theft report requesting and demanding that they block and remove the said Hard Inquires from my credit file. It is Equifax position that the processing of my credit file has not been in accordance with all applicable laws and I am therefore demanding monetary compensation For {$1000.00} per Hard inquiry ( consumer report ) ; {$25000.00} per Hard inquiry a total amount of {$52000.00} to be sent as check. I have sent the identity theft report certified Mail with the a cover letter and 605b letter attached certified mail number XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Citibank decided to replace my credit card with a new number. It issued a new card account and transferred the balance to the new account but FAILED to change the old account to {$0.00}. Instead, customer service says that it will be corrected in the future at an unknown date. This resulted in a showing of DOUBLE the amount of credit card debt on my credit report, reduced my score below 700, and prevents me from obtaining an optimum rate on a home loan I want to obtain. Note that even though Citibank has already eliminated the XXXX card from my mailed statement, it still appears online.citi.com and on my credit reports. This is no rush to Citibank but is negatively affecting me on a daily basis. I decided to ask CFPB to assist me before contacting the Attorney General 's office.
Complaint sub-issue: Information belongs to someone else

These accounts are not mine but is reflecting on my credit report. 

XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$1800.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$5900.00} XXXX  XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$780.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$32000.00} XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$500.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Equifax any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Complaint sub-issue: Account information incorrect

My Federal Student Loans were discharged under President Trumps, XXXX XXXX XXXX XXXX XXXX, XXXX Veteran Loan Forgiveness Program on XX/XX/2019. XXXX  and Equifax are still reporting these accounts with an outstanding balance.
Complaint sub-issue: You never received your bill or did not know a payment was due

I work away from home over half of the month, I rely completely on receiving my billing statement every month. For several months in a row one of my cards statement ( Home depo card ) didn't come in the mail and I believe the Home Depo credit company switched to electronic notification without my consent. They have denied this but after I question the company my statements starting in the mail once again. Because of this I wasn't aware that my account payment was due and Home Depo credit services reported a 30 day late on my credit. This is the only negative report that I have and have had for over 30 yrs. I have called and disputed with all three credit agencies several times and no one will remove this negative information. The account is current and always have been except for this 60 day time period when I wasn't receiving a statement. I'm having difficulty refinancing my home loan because of this.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

1. XXXX XXXXXXXX-Balance {$0.00} 2. XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/2018 3. XXXXXXXX XXXX XXXXXXXX-Balance {$1100.00} 4. ( Original Creditor : Medical ) -XXXX-Balance {$110.00}
Complaint sub-issue: Debt is not mine

IC SYSTEM COLLECTIONS REPORTING THAT I OWE THEM A DEBT. I SENT 3 REQUESTING NOTICES FOR VALIDATION OF THIS DEBT
Complaint sub-issue: Information is not mine

INQUIRES WERE FRAUDULENTLY PLACED ON MY CREDIT REPORT BY EQUIFAX WHICH ARE PREVENTING ME FROM OBTAINING CREDIT BELOW ARE THE INQUIRIES : - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX Account # # # # # # # # # # # # XXXX, XXXXAccount # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 instruction.
Complaint sub-issue: Information belongs to someone else

Supplemental Complaint TO CFPB ID FOR COMPLAINT SENT TO XXXX XXXX XXXXXXXX XXXX XXXX Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) ( alleged successor to XXXX XXXX XXXXXXXX XXXX XXXX ) Supplemental Complaint of : Inaccurate information provided to Credit Reporting Agencies Attempts to Fraudulently Induce a Default Attempts to Fraudulently Induce a Breach of Contract XXXX  is Returning XXXX XXXX Wired Payments to Fraudulently Induce an unlawful Breach Breach of Fiduciary Duty Wire Fraud Embezzlement of Confirmed Payments Violations of Regulation Z Violations of TILA Violations of RESPA Bankruptcy Proof of Claim Not withdrawn XXXX  Never Filed a Release of Lien for the Fraudulent XXXX Deed of Trust terminated by the Alleged XX/XX/XXXX Transfer False and Fraudulent Credit Reporting of HELOC Opened : XX/XX/XXXX I. On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX informed me that my HELOC loan had been discharged and the account closed during my phone inquiry on the HELOC account Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX alleged transferee to XXXX XXXX. Exhibit A : Equifax Credit Report XXXX XXXX XXXX XXXX HELOC : A. Opened : XX/XX/XXXX B. Last Reported XX/XX/XXXX C. Reported Balance {$0.00} D. Account Status closed IV. Exhibit B : XXXX Credit Report XXXX XXXX XXXX XXXX HELOC : 1. This Account was closed XX/XX/XXXX 2. Last reported : XX/XX/XXXX 3. Reported Balance : {$0.00} 4. Nice! You've paid off 100 % of this loan 5. Opened : XX/XX/XXXX 6. Last payment : XX/XX/XXXX 7. Closed : XX/XX/XXXX 8. Worst payment status : Current 9. No Transfer to XXXX  you have 0 % left to pay on this real estate loan Clean Slate! As of XXXX XXXX, XXXX, you have no collection accounts on your credit report. 

V. Exhibit C : Equifax Credit Report XXXX HELOC : A. False & Fraudulent Credit Reporting 1. Opened : XX/XX/XXXX ( {$0.00} balance Ex. A and Ex. B ) 2. Reported : XX/XX/XXXX2 3. Reported Balance : XXXX ( XXXX ) 4. Account status : Closed 5. Last payment : XX/XX/XXXX 6. Payment history : a. Youve made 100 % of payments for this account on time b. Last payment reported as XX/XX/XXXX = XXXX and XXXX payments were submitted via electronic transfer with confirmation.

c. Unknown payment entries : documented payment history with confirmation numbers provided to XXXX, CFPB, and Justice Department ( sent via USPS Priority with tracking and signature verification ) d. Account was closed XX/XX/XXXX, indicating XXXX payment NOT OWED, however XXXX and XXXX payments electronically submitted and confirmed e. XXXX never provided documentation to us to notify account closed as reflected in Credit Report information 7. Remarks Bankruptcy XXXX XXXX Bankruptcy Petition a. XX/XX/XXXX, {$0.00} balance ( during bankruptcy Ex. A and Ex. B ) b. XXXX enters bankruptcy claiming balance due from XX/XX/XXXX, {$0.00} balance due c. XXXX never files Bankruptcy Rule 3002.1 mandatory reports d. XXXX never files Amended the Proof of Claim 8. Times 30/60/90 days late XXXX a. Payee terminated in Bank account XXXX Can not submit electronic payments b. No loan statements from alleged servicer XXXX after XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Debt was paid

I paid the collection account to company provider itself. Paid in full.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX reported the credit agencies that I settled my account for a lesser amount owed. This authorization must be accompanied with a verbal approval or a signed Settlement Authorization Form. I did not approve either. I did not authiorize a third party to act on my behalf. Because my account was fradulently settled for a lesser amount, my credit score was tremendously affected negitivley. I have requested that XXXX XXXX provides me with the signed Settlement Authorization Form ; which they have failed to produce. Due to a third party acting on my behalf without my approval, this action by law is identity theft. XXXX XXXX XXXX also reported to the credit agencies, that the XXXXXXXX XXXX  payment was late ; which is false. It is also being reported that the accout was paid in full on XX/XX/2022. One has to be false ; which results in the removal of the account by law.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a vendor charge with my credit card company XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX. The issue was resolved quickly before the next billing cycle, however XXXX erroneously posted a comment on my credit report, I contacted them they said they would remove the comment. They then claimed they did, I ordered my credit report from Equifax via the annual credit report process. The remark is still on my credit report, I called XXXX they said it shouldn't be and suggest I file a compliant with Equifax to get it investigated. Equifax did not make the changes, because they did not receive documentation from XXXX regarding this issue. I'm done messing around with this, I'm filing CFPB complaints against both companies and on Monday, XX/XX/XXXX I'm going to start looking for leaders of both Equifax and XXXX on XXXX over this issue. I also obtained the email address of XXXX 's CEO who I'm going to reach out too about how this was handled. I want this inaccuracy corrected on my credit report from all 3 bureaus.
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 accounts 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. 
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 Balance : {$34000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX  XXXX account # starting with XXXX XXXX  XXXX account # starting with XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX account # starting with XXXX XXXX account # starting with XXXX XXXX XXXX XXXX  XXXX account # starting with XXXX XXXX XXXX XXXX XXXX XXXX account # starting with XXXX XXXX account # starting with XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX account # starting with XXXX XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX XXXX XXXX account # starting with XXXX XXXX XXXX account # starting with XXXX XXXX  XXXX Bankruptcy Ref # XXXX 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: Account information incorrect

XXXX XXXX XXXX  Balance updated XX/XX/2022 This account should be removed completely from my Credit Report...
Complaint sub-issue: Information belongs to someone else

Equifax merged my account with another woman, with the same first name- different last name. She's considerably older than myself and lives in a different part of the country. 

I contacted them, they acted like it was no big deal and that they would remove her records from my account. However, two years later they are still selling my information to her collectors. They get my personal address and my phone number and harass me. Her bad credit has also effected my credit score.
Complaint sub-issue: Investigation took more than 30 days

This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, four fraudulent charges were billed to my account. 
This is a cred card attached to a major gas chain. It can only be used via the app, or card, both of which I have in my possession. 

On that day, I used the app to make a purchase of {$55.00} in XXXX, GA. Also on that day, four purchases were charged to my account, from a station located in XXXX XXXX XXXX CA XXXX none of which were made by me : XX/XX/XXXX - {$3.00} XX/XX/XXXX - {$44.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$66.00} TOTAL Fraudulent charges = {$210.00} I was notified of these purchases via email, and knew immediately they were not mine. I was able to get through to Citi 's fraud department that evening. They files the card as stolen, issued a new card and said they would look into the charges I reported as fraud. 

After two weeks, I still had received no communication from Citi acknowledging what I reported or providing an update. I sent a message via the online customer portal on XX/XX/XXXX and received a response on XX/XX/XXXX saying that it takes up to 90 days to investigate fraud charges, and that a letter would be sent when it is resolved. 

It has now been 105 days since I reported the charges. Citi has not send any updates via the Customer Portal, in writing or via phone. 

Their call center is only available between XXXX XXXX  and not staffed by English-speaking agents, making it incredibly difficult to get updates or reach a resolution. 

Since XX/XX/XXXX I have not used the card. I paid off charges I was responsible for. In the last three months, Citi has charge a total of {$14.00} interest on charges they themselves said were labeled as " under investigation ''. 

This evidence suggests that Citi does not take fraud seriously, has a flawed tracking and communication process and is not delivering on marketing claims that they offer secure transactions for customer.
Complaint sub-issue: Information belongs to someone else

The following accounts do not and have not ever belonged to me : XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$2900.00} XX/XX/XXXX XXXX {$0.00} XX/XX/XXXX
Complaint sub-issue: Account information incorrect

Fedloan is reporting I missed XXXX  years with of payments which is untrue. They are reporting the same missed payments over an over and over again. I want proof that XXXX XXXX XXXX has XXXX missed payments from fedloan or remove it from my credit report.
Complaint sub-issue: Investigation took more than 30 days

On ( XXXX/XXXX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Public record information inaccurate

A company called lexisnexis is preventing me from buying an umbrella policy based on the fact that a piece of construction equipment gave me a flat tire. See the report attached. XXXX should be ashmed that they treat customers this way as well. I want lexisnexis to remove the ridiculous report and XXXX to approve the umbrella for a XXXX year old PERFECT driver mom of XXXX kids with a PERFECT RECORD. This is TOTALLY ridiculous unsubstantiated and should NOT BE ALLOWED!!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Trouble getting a working replacement card

On Wednesday XX/XX/XXXX spoke with a Jade after XXXX and advised her I didnt have the card. She stated to me she was unable to change my address in the system to get a new card - and told me there is money on the card and its inactive- well yea it expired in 2019 and never got sent a new one. I need a new one I have been calling every day since and I have been on hold for almost 6 hours before I hang up. 6 HOURS?! Someone should have answered by then, and this is happening more than once. I have done a change of address at the post office so if she sends the card to my old address I will still get it. I need my funds my rent is due and these people dont answer the phone and she never offered to go ahead and send another one she just wanted me to call someone else. I called those people and my address was updated so someone XXXX  up and I need my money I dont have any food and my car note is due and my rent is due I dont want to be living on the streets. My landlord said I had to pay my rent. I have money on the card its my money.
Complaint sub-issue: Account information incorrect

I called XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX Spoke to a rep that stated if I paid the 7 year old account in full they would remove it. I have paid it in full and the account still remains active and derogatory .And to add to that it also continues to reports " FP '' ( failure to pay ) which is equivalent to a late on my report each month. It continues to bring my credit scores down and is damaging my prospects of buying a house. XXXX XXXX is a 7 year old account and should not be reporting late and incorrect information.This account has continues to change balances from month to month. There are 2 derogatory XXXX XXXX  account reporting to my credit report. 

World finance is a 7 year old account and should not be reporting late, and in error. 
I would like this account removed or all errors removed and updated from my account for the past year.