Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXXL XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance:XXXX ; XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} Date OpenedXXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
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 XXXX/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 inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Complaint sub-issue: Account status incorrect

I am submitting additional evidence for a current complaint that is under investigation. XXXX. As stated before on XX/XX/XXXX my Equifax svore dropped XXXX  points. As a result of them removing my XXXX XXXX XXXX account from my credit report. This was done without my request or authorization. Since then I've been checking my credit more often. And to my dismay, Equifax has continued to re submit the same false statement on my report. They've adjusted the dates. I checked my XXXX  report. For reference as to what my actual report should look like. And their information is correct. Equifax has blamed XXXX XXXX for the false statements on my report. The fact that, i can check my transunion on XXXX XXXX and their information is accurate. Shows that the fault is clearly with equifax.
Complaint sub-issue: Account status incorrect

On XX/XX/2016, it shows on my credit report that I was late for the month of XXXX and XXXX. I believe this is incorrect because I have had this account in forbearance until the settlement has cleared. I also contacted Nelnet in XXXX about this matter and my account on my credit report. nothing has been resolved. This is my second attempt on settling this matter to remove my late payments on my credit report.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, XXXX Equifax Score was XXXX. On XX/XX/2021, I Logged onto XXXX to Check My Credit Scores. When doing so, I Noticed My 'Equifax XXXX Score had Decreased 23 Points. This was Unusual. When I Checked the Notification as to Why My Score Decreased, It Stated I had a " Late Payment within the Last 30 Days '' - Which is Inaccurate. My Payment History has Been ON TIME within the Last 14 months. Im Not Sure Where that Information Came From, because there is No Late Payment Reported on Any Account on My Report within the Last 30 Days. Trying to Dispute on Equifax was unsuccessful due to lack of options. Nothing Has Changed from XXXX to XXXX except My Credit Utilization Decreasing - Which Should NOT Decrease My Score. This was Unfair and Should Be Reversed.
Complaint sub-issue: Personal information incorrect

I sent a letter to all 3 of the major credit Bureaus via certified mail on XX/XX/2021. I have the receipts still. It is my right to report any inaccurate information on my credit report and in the letter stated I want all my personal information updated so that I can prevent identity theft and prevent any mail being sent to old addresses. They are refusing to delete addresses and update my correct name because they are stating I have 3 accounts open with those addresses when that is not true. 

XXXX  received my letter on XX/XX/2021 at XXXX Equifax received my letter on XX/XX/2021 at XXXX XXXX  received my letter on XX/XX/2021 at XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have made numerous disputes through Equifax regarding the incorrect reporting by XXXX XXXX XXXX. Equifax is aware that my identity was stolen, likely due to several data breaches that my profile was part of. XXXX XXXX XXXX did not allow me to take the proper steps to dispute the fraudulent charges due identity theft and I was unaware, due to XXXX XXXX XXXX sending documents to me through the incorrect mailing address and telephone number. XXXX XXXX XXXX was sending documents to me, to an old mailing address that I had five years ago, which I had reported to the CFPB. In my last complaint/dispute that explained this to Equifax, they did not do a proper investigation because if they had, they would have found out that XXXX  XXXX XXXX was sending documents to an old address, in which they should have had my new address because I updated it, over a year ago. XXXX XXXX XXXX did not send me documents until late XXXX to my current address, in which they retrieved from Equifax during my dispute. Still to date, XXXX  XXXX XXXX has not responded to my last dispute/complaint, which was on XX/XX/2019, through the CFPB. It's been over 40 days and within the time of that dispute, XXXX XXXX XXXX sold my account to a creditor named XXXX XXXX XXXX, as told to me by a XXXX XXXX XXXX representative, after I told them that they had not responded to my last dispute/complaint through the CFPB onXX/XX/2019. In less than a month, on XX/XX/2019, XXXX XXXX XXXX had sold my account to the name above credit agency without handling my case of fraud and stolen identity. I would like for Equifax to remove XXXX XXXX XXXX from my credit report and the charges are fraudulent due to my identity being stolen and because XXXX XXXX XXXX has not responded to my dispute with the CFPB that was placed on XX/XX/2019 ( over 40 days ) and XXXX XXXX XXXX sold the account to a collection agency, as told to me by a XXXX XXXX XXXX representative. XXXX XXXX XXXX was made aware of my identity being stolen and fraudulent charges and they still left my complaint without a notification or response from XX/XX/2019 and sold the account. I would like for Equifax to remove XXXX  XXXX XXXX from my credit report.
Complaint sub-issue: Report improperly shared by CRC

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 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: Investigation took more than 30 days

It has now been 30 days since my dispute with the company. None of the account listed in my documentation has been notated as disputed, remove during the investigation, nor have I received any kind of communication of dispute. 
Equifax has been negligent during this investigation and is in violation of 15 USC 1681i. 
see attached documentation
Complaint sub-issue: Confusing or misleading advertising about the credit card

On the morning of XX/XX/2023, I applied for a Citi Bank AAdvantage Platinum Select card to purchase my upcoming flight in XXXX. I was immediately approved, and as I clicked " continue '' to access the next page, which would have my temporary card information to use to purchase my flight, the website stopped working- on Citi Bank 's end - and had a line about not accessing the page. I couldn't reload or access the page again in any way. I did receive an email confirming my approval and my credit limit and that the card would be at my house in 7-10 business days. But no information about the temporary number. I asked for help on the online site, and they pointed me to customer service via the phone. I called and asked for help with getting access to the credit card information to purchase this flight, and was bounced around to three different people, none of which could help. I asked again online, and was given a different number for help, and I was lead to another person who told me that the temporary credit card information could not be seen on their end. 

I have 24 hours to purchase my flights. I have no credit card information for a card I applied for solely to purchase the flight based on their advertising. I am extremely upset and inconvenienced by this. I hope that I can continue to reserve/hold the flights, but the amount of the tickets will likely rise each day. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not know if I this is a direct violation, however I don't think Citi Bank should benefit on this deceptive practice. It was advertised that I would be able to buy the flight for {$200.00} less ( with the statement credit I would receive with getting the Citi Bank AAdvantage card ), however now I will not get that statement credit since I can not use the card to purchase those exact tickets. I WOULD NOT have applied for the card if I couldn't use it that same day to purchase my flight.
Complaint sub-issue: Was not notified of investigation status or results

I have had many corrections on my credit report and still seem to be very negative the XXXX late payments reporting on my credit was when I tested positive with XXXX was in the hospital and couldnt work i called the XXXX companies with the late payment they told me the credit B have to remove it they are so unprofessional and rude everything is on a computer for all XXXX of the credit B. I have wanted to get me a house for years and the realtor told me I have to many negative things on my report it has took control of your life and I just want it back
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On  XX/XX/XXXX , I disputed the unauthorized inquires on my credit report as fraudulent and unauthorized. Within 24 hours, I received a reply from Equifax stating that the inquires are accurate and a factual record of the files accessed. However, they did not complete any investigation to verify the inquires. I have had my identity stolen 3 times within the year and these inquires are not mine. I would also like to mention, that none of these inquires are tied to a positive or negative accounts on my credit report. I have attempted to contact all the companies to have the inquiries removed and all the companies referred me back to the credit bureau as they have no active accounts tied to me name.
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I have requested that the following inquires be removed :    XXXX   XXXX      XXXX   XXXX   An Inquiry that is tied to no name at al  XXXX   XXXX   XXXX  / XXXX    XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX
Complaint sub-issue: Company closed your account

XX/XX/2020 m- Fraudulent lending or issuance of credit and then retracting the credit or closing the account completely without checking in with me as to what the exact situation was that I am currently facing. When i called cITI Bank they gave me only one option and that is to apply for a new card. 
They had closed another credit card of mine almost exactly a year ago as well without any discussion around any issues that may be faced with personally, any option as to keep the account open or get it back in a good standing position where they do not close the card. 
Last XXXX i had an ATV accident, where i had a XXXX XXXX XXXX XXXX that required XXXX to repair and no work or any physical anything ( 6 months can't lift or use the XXXX  where there is over 1 pound of weight involved, and prior had a 3 month stint of having my XXXX  completely immobilized and prevented from moving/using ). 
As XXXX XXXX XXXX XXXX that is an XXXX  XXXX, when i am not able to work - I can't make any money. Therefore there was a period of time where i was getting behind on some things as i waited and jumped through the necessary hoops for my XXXX insurance to kick in or payout. 
But as a XXXX XXXX XXXX to have recieved credit card offers after credit card offers from Citi Bank - where I was completely accepted for a credit line of {$1500.00} - {$2000.00} + between the two credit cards with Citi Bank alone. Of course when i was working and things were going well. But the second i get hurt and can not work or income lessons they close my accounts completely, thus causing my debt to credit available go completely down and further looking worse for me when trying to obtain other financing or credit for both the business itself and me & my family personally.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't 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 im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

Enclosed find information from consumers energy of proper dates which is correct and Equifax has submitted different dates which is inaccurate information on credit report. Please find attachment that XXXX XXXX removing XXXX XXXX XXXX from credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed my credit report with Equifax and they told me I could n't email the dispute because of the problems they recently had but I could fax it or mail it so after receiving their fax number I faxed it ( XXXX/XXXX/XXXX ) I got confirmation that the fax went through so I called them two days later and was told they had n't gotten the fax but give it more time. I then called a week later and was told the same thing. At this point I 'm totally upset because I never got I acknowledgement of my dispute, all of my personal information went somewhere else and my credit score with them has just dropped after I sent them proof ( acknowlegement from the company ) that my collection was paid. I also sent them a dispute with XXXX XXXX with all of my bank statements, personal information, Social Security number etc ... .. 

I also received note that a address was added to my credit report. Please help!!! 

If not acknowledged that they received it after I got confirmation I 'd have to file a law suit against them.
Complaint sub-issue: Information belongs to someone else

I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is attempting to collect on a debt I do not owe. I directly made a payment through the original creditor XXXX XXXX XXXX online and paid the balance in full. I should not have any balances or any collections for this account. I had no idea, I received no notifications or phone calls about this debt. And I did not get my 30 day right to dispute, which is a violation.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to XXXX, XX/XX/2021, disputing inaccurate accounts on my credit report. They have not provided proof of the accounts, I asked to verify the accounts they listed and they haven't, nor have they responded or removed the information.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Since I wasn't able to setup a account for my Mom. I'm sending this complaint through on my own account I have setup through you. 

On XXXX XXXX I had my daughter to go into the XXXX XXXX 's XXXX  to purchase a hot waterheater. Since due to my XXXX I'm not able to move around these stores. The XXXX 's cashier rung mydaughter 's order up where my credit card was used and the cashier forgot to include delivery for this hot water heater to our house. The order was canceled and resubmitted which then included thedelivery charge. XXXX 's never gave a receipt for this purchase and said they needed both receipts dueto their error on how the cashier rung up the order. A extended warranty was added to the order. Afew days later the hot water heater was delivered to our house. After numerous attempts to retrieve areceipt we're unsuccessful. Still when delivery was made no receipt was given. The hot water heaterfrom XXXX 's only lasted for 2 weeks before it quit working. We tried to have XXXX 's to stand behindtheir faulty hot water heater, which was unsuccessful. We even contacted the manufacturer to try tohave them to stand behind their faulty hot water heater, this too was unsuccessful. I had the warrantyfrom XXXX 's plus the warranty from the manufacturer and neither one stood behind anything. Afterexhausting all these attempts I then went back to my credit card company XXXX US Bank ) to try to get mymoney back since both XXXX 's and the manufacturer breached the warranty of this faulty hot waterheater. I wasn't able to be given the opportunity to provide my proof to US Bank. Instead US Bankengaged into a unfair one-sided investigation which only took XXXX 's dishonest fabricated responseand sided only with XXXX 's XXXX If US Bank would have fairly investigated this claim and allowed me toprovide my proof it would've plainly showed where XXXX 's was in the wrong. Each month after USBank unfairly recharged the amounts back to me. I wrote to them disputing this. I also had this written on each of my payment tickets, along with it being written on my checks.
Complaint sub-issue: Was not notified of investigation status or results

I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED, AND WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED ON XX/XX/2022
Complaint sub-issue: Report improperly shared by CRC

MY NAME IS XXXX XXXX THE REF NUMBER IS XXXX BANKRUPTCY WAS XXXX DATE FILED XXXX XXXX 2007 WOULD LIKE REMOVED MY SS XXXX PHONE NUMBER XXXX