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

Upon reviewing my credit file, incorrect information was found in my reports. The 3 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

In accordance with the Fair Reporting Act XXXX  accounts : XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. And all listed inquiries 15 USC 1681 Section 602A- I have the right to privacy.

15 USC 1681 Section 604A ( section2 ) - Consumer reporting agencies can not report any accounts with out my written instruction from a consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I would like to file a formal complaint against XXXX, Equifax, and XXXX  for FAILURE TO INVESTIGATE OR REINVESTIGATE multiple inaccuracies on my credit file. 

These credit bureaus are in violation of FCRA for 1. Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct the error. 

2. Failing to provide the method of verification.

3. Failing to provide all relevant info, ( sign contracts, etc. 

In XX/XX/XXXX I sent my first investigation request to XXXX, Equifax and XXXX  requesting an investigation into multiple inaccurate accounts. Some accounts were deleted, however multiple accounts remained with inaccuracies. In XX/XX/XXXX I sent verification request which allows 15 days in which neither XXXX, Equifax and XXXX never responded to my dispute request. In XX/XX/XXXX I sent a third request again asking to have the inaccurate accounts removed, my request once again has been ignored. 
THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER. XXXX, EQUIFAX AND XXXX  HAVE ALL FAILED TO CONDUCT PROPER INVESTIGATIONS AND DELETE THESE INACCURATE ACCOUNT.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX and XX/XX/XXXX I paid XXXX XXXX {$1800.00} x 2 = {$3700.00} to install carpet in my house. I received the the worst inferior quality carpet and a completely shoddy installation. The carpet started deteriorating and separating from the walls and stairs within a week. I opened 2 disputes with citivisa, the credit card I use. It took them many months to resolve this. I had to submit numerous letters and documents. I lost one of the disputes because the paperwork that citi sent was in 2 parts which looked exactly the same and I only sent it in once. When they informed me that I lost one of the disputes they told me to send it in immediately which I did and it was 3 days late. They did not honor it. They the carpet company put the {$1800.00} that he lost back on my card without my authorization or knowledge. When I found out citi asked me to dispute it again and redocument the problem with XXXX  of the same information and have people come out to evaluate it. Unbelievably I fell for this and spent more time to dispute the fraudulent charge. They determined after 4 months that it was a legitimate claim but put the charge back on my card! because they " couldn't collect it from him '' (! ). I called them on XX/XX/XXXX and told them this is an outrage and I will not pay it. They are a very bad credit card company and need to be contacted by you. I am also making a report through identitytheft.gov.
Complaint sub-issue: Reporting company used your report improperly

In accordance With the fair credit reporting act XXXX XXXX Managment Account # XXXX, XXXX XXXX XXXX Account # XXXX Has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it Also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Used obscene, profane, or other abusive language

Hunter Warfield, a Debt Collector called me in XX/XX/2020. The all begins with the Hunter Warfield representative asking how I would pay the debt of {$5100.00}. I first began to explain to the representative that I did not think it was the correct amount. I explained to him that due to the pandemic, and as a part-time XXXX  I have not been working. He proceeded to tell me that I had just moved and bought a house and had enough time to pay my debt. He also said that I owned a business and that I had money and should pay my bills. This escalated as I felt attacked by this representative with Hunter Warfield  who proceeded to tell me what my financial situation was during these difficult financial times. The call turned into a shouting match and so the Manager took over the call and proceeded to tell me that if I did not set up payments their clients were going to take me to court pursue legal action, and he kept repeating this message. After feeling intimidated and threatened, I finally set up payments.
Complaint sub-issue: Company closed your account

CITI has violated several provisions of REG Z and the Fair Credit Billing Practices Act by closing my account despite the following : 1. ) Several Billing Disputes Remain Open which prevent card issuers from closing an account while investigating.

2. ) I was the victim of Identity Theft and notified CITI.

3. ) Due to the Identity Theft the bank I was to debit my credit card payment to CITI was closed for security, preventing my payment is processed. This was a secure closure to protect my information and funds. Which CITI was aware of.

4. ) CITI took adverse action based on information resulting from documented and reported identity theft.

5. ) CITI employed deceptive practices as upon initially learning my account had been closed, CITI employees stated they were unsure why. But claimed my account would be re-opened as soon as I made the payment which was returned. I can provide the call logs, or transcripts should CITI require them.

6. ) CITI refused to re-open my account as previously stated.

7. ) CITI further violated DTPA by initially sending me a letter stating my account was closed as I had requested. Which I did not.

8. ) CITI employees were unsure why the account was actually closed.

9. ) CITI sent a letter stating my account was closed due to a single missed or returned payment. This is not typical behavior CITI demonstrates with the majority of their cardholders. Especially as I had never missed a payment before and paid my balance in full every month.

10. ) The letter sent by CITI states my account was closed as a result of the Identity Theft, which required my account to be closed for security reasons prior to the payment clearing. Which adverse action is based on Identity Theft.

11. ) CITI 's response to my request for my account to be re-opened was met with a response stating they were unable to reopen my account and unable to explain why. Which is illegal as I requested a detailed explanation.

12. ) CITI has begun closing out my billing disputes without investigating them or following their legal obligations per the member agreement, FCBPA, and VISA billing dispute guide. 

I have offered to send CITI my FTC affidavit, as well as the police report, and any other evidence needed proving the identity theft, which they have not wanted.
Complaint sub-issue: Account information incorrect

XXXX XXXX has an auto loan being reported on my credit as a repossession/charge off and that information is incorrect. I spoke to numerous representatives to resolve this matter but they keep trying to negotiate a balance that is incorrect. I spoke to representatives from ( XX/XX/XXXX - XX/XX/XXXX ) ( XX/XX/XXXX )
Complaint sub-issue: Investigation took more than 30 days

XXXX Sent dispute letters to Equifax , XXXX , and XXXX . disputes are as follows Equifax : XXXX XXXX {$230.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX- {$880.00} XXXX : XXXX XXXX XXXX- {$230.00} XXXX XXXX- {$100.00} XXXX XXXX XXXX- {$880.00} XXXX : XXXX XXXX {$230.00} XXXX XXXX XXXX {$580.00} XXXX XXXX- {$100.00} XXXX XXXX XXXX- {$880.00} XXXX Sent Demand to Comply Letters to all three bureaus, XXXX, XXXX, and Equifax
Complaint sub-issue: Account status incorrect

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the accounts XXXX XXXX XXXX , XXXX and XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

A notice was sent to these companies making alerting them I am aware of their fraudulent reporting. They were not given permission to report my information and therefore they are breaking the law according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. I will move forward with proper measure for my consumer rights being violated
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The same company named credcohas done three hard inquiries on my credit which means after they denied me credit they went back on my credit 2 more time which I didnt authorize and XXXX reported 2 hard inquiries on back to back days.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Convergent ; accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 I have sent multiple letters and emails ; also called these lenders to resolve this issue, however, I was unsuccessful with reaching the correct head of department. By these accounts reporting false information on my credit report without my consent has caused lenders to refused applications ; which put my business and personal assets in a financial deficit. Please assist me with this issue by removing these accounts please. Thank you
Complaint sub-issue: Account information incorrect

I recently reviewed a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX. Equifax is in clear violation of the law ; 15 USC 1681b- Permissible purpose of consumer reports. I did not give Equifax written permission to furnish this account on my credit report. Equifax is also in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Late payments must be excluded from a credit report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that these late payments should have never been reflected to my consumer report, which is identity theft. Equifax has received all documents and supporting evidence of this dispute through the mail on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing my 3 credit reports trying to get them to remove XXXX XXXX XXXX show I owe XXXX and the account was opened XX/XX/2018 I never had a account with XXXX XXXX XXXX and they can not send me any documents showing so. I have tried with no success. all three bureaus just keep siding with them. 

also I have disputed all three bureaus about XXXX XXXX XXXX -- shows I owe XXXX past due on charge off account. The account was not charged off My report shows XXXX XXXX XXXX XXXX balance closed. You had to have a saving account to get the card the 2 are link together. They sent me a refund. My balance should show XXXX. 


I have uploaded proof of both accounts and errors.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck 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 and XXXX and 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 three 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 inquiries 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 21 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Account terms

Kindly my oldest credit card of almost 2 years XXXX XXXX is not showing on my " Equifax '' credit report although it 's showing on my XXXX and XXXX reports, I contacted my creditor XXXX and confirmed that they are reporting to Equifax but Equifax refused to add it to my report for some reason I could n't even know, I have been trying to resolve this issue for months with no luck, mainly due to Equifax being a horribly structured company where they asked me to get XXXX in a conference call to be able to help me and when I did that after a few days Equifax said we are sorry we ca n't help you nor transfer you to any department who can help you. 
Worst experience of customer service in my life is dealing with Equifax , I honestly ca n't believe how they are still in business!
Complaint sub-issue: Transaction was not authorized

On XX/XX/2019 I submitted a written request to US Bank asking them to investigate 6 separate fraudulent ACH withdrawals from my Property Management Trust Account. Someone was apparently using my trust account to pay their personal (? ) XXXX XXXX bills. I also contacted XXXX XXXX to see if by using the tracking numbers they could find out who did this but they said they could not do anything until US Bank 's fraud department contacted their fraud department and that between the two of them, they would figure it out. 

I had yet to hear from US Bank after hand-delivering my letter on XX/XX/XXXX so late last week I began leaving messages for them to call me back regarding a follow-up. Yesterday after my second call, I received a call back. I was told that no adjustment could be made because with ACH withdrawals I only have 24 hours to notify them of the charge regardless of it being fraud. This makes absolutely no sense whatsoever. 

There are reference numbers on my bank statements that SOMEONE from XXXX XXXX OR US Bank should be able to track to see who did this. MAYBE it was simply an error? But with no one willing to even check into the possibility, the only one that got hurt here is me since I have to put the money back into the trust account from my own pocket. 

Thank you for taking the time to read this - I hope to hear from someone soon. I will upload my letter to US Bank AND their response once I receive it.
Complaint sub-issue: Problem with balance transfer

I completed a {$2800.00} Citi balance transfer in XX/XX/2022. In XX/XX/2022, after the balance transfer did not go through with the other bank ( XXXX XXXX ), I contacted them and they told me they never received the money from Citi. I called Citi and they adamantly insisted that they sent it. They even sent me a receipt showing they sent it electronically. When I contacted XXXX XXXX again, they said they had still not received it and there was nothing they could do. So I called Citi again and opened an investigation on the matter. It concluded that the money was paid to XXXX XXXX, which it was not. I called XXXX XXXX again in XX/XX/2022, same thing. They can't do anything. Citi opens a second investigation because we discovered that the balance transfer was sent to the wrong account, it wasn't even sent to a XXXX XXXX account. Therefore, there is no way for XXXX XXXX to reimburse my account for the balance transfer because they don't have the money. I call Citi again on XX/XX/2022. They open a third investigation for the same thing, the balance transfer was sent to a wrong account. They say in 20 days they will call me with the conclusion. They never call me so I called them today. The guy has no idea about any investigation and still has no answers on a solution. So now I have {$2800.00} of extra debt that shouldn't exist because somehow Citi got the wrong account number and sent my balance transfer to the wrong company. XXXX XXXX does not have it. And now I have extra debt that shouldn't be there that Citi claims they can't cancel.
Complaint sub-issue: Information belongs to someone else

I am so angry and frustrated with Equifax and the different credit card companies. They have been working on my investigation for over a month, with no resolution. I have sent my police report and my FTC report that I filed along with my identification and they are not removing these accounts from my credit profile. They do not have any evidence against me, and are continuing to report these accounts. I have spent so much time so much energy, and I am so stressed from this situation. They are not helping whatsoever, and I am getting anxiety from talking to so many different customer service reps, who one promises to remove the accounts, to another one who says we never received the report, to another one who said they did receive my reports. They were all done and uploaded online and have record. Please help in resolving this matter, I need these accounts to be removed from my credit report immediately. I am not able to rent any other house, or buy car. Please help.

The companies I am reporting are 1. EQUIFAX 2. XXXX XXXX ( 6 different accounts in which 2 accounts have been removed 4 accounts are still reporting ) 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX Please help in resolving this matter, I have reported my identity theft from way back in XX/XX/XXXX. These companies have not been removed from my credit report, they are giving me very bad customer service, and Equifax is by far the worst credit bureau to deal with.
Complaint sub-issue: Didn't receive notice of right to dispute

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting
negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I am writing because I feel as though my credit profile is being targeted by the credit reporting agencies - due to my previous negative credit history. 

I have been working very hard to bring my score up and every time I do the credit agencies allow a company to put a fraudulent account on my report. I then contact all three agencies to advise/dispute and they answer with the debt is valid. To which three times I have had to reach out to your office to request assistance. 

Then once these negative items are removed my credit report the score is not increasing/adjusting for the change. There have been instances where I have paid the debts and an agency like XXXX XXXX has advised my score will increase 25+ points and nothing. 

I have done everything in my power to try and jump from poor/fair to good credit and no matter how i try i keep getting knocked back down to the 500s. I feel as though this is the credit agencies attempt to try and keep my score low. As I will then be forced to pay higher interest rates. I would like to request an audit of my credit profile. Please help me I am sure they are mistakenly keeping my credit score low. If I am wrong I will accept this, but i would like some help with making this right. 

Thank you, XXXX