Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Invalid debt from XXXX being collected by AR Resources and reporting to XXXX and XXXX credit bureaus. I filed Chapter XXXX Bankruptcy which was subsequently discharged in XXXX, file attached. All unsnecured debt acquired prior was discharged. Debt being collected predates the bankruptcy filing. I communicated with XXXX regarding this error via their secure portal in XXXX and XXXX. Large portion of this debt was acruded prior to filing date and therefore was discharged. I provided XXXX and AR Resources bankruptcy discharge documentation, explained in writing, neither has responded after 90 days and I am in turn prevented from taking action towards purchasing a home. I spoke to AR Resources on the phone re : bankruptcy discharge, no progress made. Debt reporting is not accurate. US Bankruptcy law is binding. AR Resources has not responded to four rounds of communication and needs to cease reporting to the credit bureaus immediately as their tactics are personally and financially injurious, in addition to being a HIPAA violation, which I also informed both entitites of, no response.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020, I reported several accounts, mostly credit card accounts, that were reporting on my credit report as fraudulent accounts to XXXX, XXXX and XXXX XXXX because the accounts were not applied or used for myself. 
I suspected an identity theft, and requested all accounts that were involved with identity theft to be removed from my credit report. 
Also, I requested a validation of involved accounts to see how, when and where these accounts were created. 
XXXX and XXXX successfully made a decision that all accounts were fraudulent and removed them from my credit report. But XXXX is continuing to post accounts from CITICARDS, and I did not receive any explanation why these accounts were being posted. Not only explanation was not provided, but I did not receive any solid proof that I am the person who made these accounts. 
XXXX is in clear violation of FCRA. Disputed accounts must go through vigorous validation process that the process and the proof of the validation and verification must be shared with the consumer. 

CITICARDS CBNA XXXX CITICARDS CBNA XXXX Above listed accounts are fraudulent accounts that are still being reported on my credit report.
Complaint sub-issue: Problem during payment process

The XXXX XXXX Credit Card has been a nightmare to have for the past few years. I have made attempts to lower my debt and pay it off however, they are non-respondent. On XX/XX/XXXX I scheduled automatic payments to be deducted from my checking account. Since they have fooled me before, I took a screen shot of the confirmation AND I also received an email from XXXX confirming my auto payment set-up. Several days later, I learned I had a new late fee added to my total bill. When I looked at my account online, the automatic payment had been deleted. I called the customer service line and after being transferred to 3 representative, I was told that the department that " handles '' my account was closed and that I had to call another day. I called back two days later and was transferred a total of 5 times. First to 3 different XXXX Credit Card Departments, then to Citibank and then to a third party agency, XXXX, who apparently handles the account. I explained to them that late fees are being added to my account unjustly but, they said they have no control of that. They suggested I call XXXX  back. When I explained how I've been transferred many times, they explained that they would send a letter to XXXX  but, there's no guarantee I'll get a response. I have over {$500.00} dollars in late fees from XXXX and NO ONE takes ownership or accountability for the management of the XXXX credit card accounts. 
I initially began calling in XXXX and asking for the insane amount of late fees to be removed but, I have continuously been ignored with no one to speak with regarding the details of my account.
Complaint sub-issue: Their investigation did not fix an error on your report

Please research then remove the following hard inquiries made to my credit reports : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove the following fraudulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Other problem getting your report or credit score

This complaint letter against Citibank N.A. and this is my 2nd complaint against them and the reason is same. 
I want to refer about last complaint I made with the help of CFPB for the same reason is following ... 

Complaint ID # XXXX Date XX/XX/XXXX They responded ( I enclosed ) after the complaint I made but the same formalities I had to maintain. I called to XXXX ( XXXX ) and spoke with XXXX XXXX and settled down for 24 installments ( from XX/XX/XXXX to XX/XX/XXXX ). Settled down Autopayment from my access account to Credit card account but it didn't go thru. 


# 1 What I mentioned in my previous complaint they didn't fix it yet. 
# 2 I can not operate Simplicity Cr. Card even I can not see my account balance from my Citibank apps. They locked it since XX/XX/XXXX. ( I enclosed picture ) # 3 I can not transfer or deposit any amount from my Citibank Access account since XX/XX/XXXX. But I had full of intention to pay at least minimum monthly due ( I enclosed picture ) Citibank made the agreement with me so that every month 's installment can be transferred from Citi Access Account to Citi Simplicity Credit card ( Autopayment system ). And both time you did same mistake and what is impacted on my credit history.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Equifax XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX : # XXXXXXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2021 I went into my local First Horizon bank the address being XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX, to inquire about why I was charged a XXXXXXXX XXXX overdraft fee. While I was inquiring the teller printed out something and it charged my XXXX to my account. I never saw the print out. Then she has me sit and wait on someone. It was a relationship banker. I had asked for a manager and she said wait and there would be one there. I never got to talk to a manager. So I sit down with XXXX XXXX XXXX to discuss the overdraft fee and pull my account up and see that they charged me the XXXX dollars for a print out without my consent, without my authorization, unbeknownst to me. I then ask XXXX if that was against policy to do that without me knowing and she admitted that it was against policy. I believe its actually against the law.
Complaint sub-issue: Reporting company used your report improperly

Unauthorized and inaccurate information from my credit report.
Complaint sub-issue: Can't use card to make purchases

The approximate dates on when I had enough of Citi Band Credit Card is XXXX XXXX XXXX XXXX XXXX Credit card gets declined at certain places although credit is available. 
They place a hold on your account claiming they can't verify you. 
Issues with verification Can't make payments or check balances The company must send a code to your phone, call you and send a letter to verify it's you to take hold off of the account. 
Representatives claim they are trying to verify you and if they can't they claim fraud and this delays the process of having access to your account. 
They claim this is to help protect you. 

This happens too often and is very stressful and embarrassing. I don't experience this type of service with any of my other credit cards. 

I check my accounts regularly. If there are unapproved transactions on my account, I can contact the company immediately myself.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The accounts that are still erroneously reporting on my account : DISCOVER BANK XXXX Date opened XX/XX/2018 Balance-
Complaint sub-issue: Reporting company used your report improperly

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Information belongs to someone else

This is my follow-up complaint about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Complaint sub-issue: Information belongs to someone else

I have no knowledge of any of the accounts in my report. I have never had an account with any creditors reporting on my report..
Complaint sub-issue: Account status

EQUIFAX fails to remove the XXXX Mortgage Serv account information. EQUIFAX reports incorrectly the account is 120+ DAYS PAST DUE. EQUIFAX reports incorrectly the AMOUNT PAST DUE is {$18000.00}. EQUIFAX reports incorrectly the BALANCE IS XXXX.EQUIFAX reports incorrectly the Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Complaint sub-issue: Reporting company used your report improperly

I am so tired of equifax credit reporting agency! I feel like im being ignored and taken advantage of and im having XXXX XXXX  because I worked very hard to protect my consumer report and equifax is allowing any company to furnish unauthorized information on my consumer report. They recently deleted 11 unauthorized inquiries that I have proof of in the documentary evidence that I am attaching to this complaint. They placed the 11 unauthorized inquiries on my consumer report during XXXX without my written instructions and or consent which identity theft and they violated federal law. My reputation was damaged for nearly two years and caused me financial hardship by paying higher interest rates, being turned down for loans for having too many inquiries on my consumer report. Within that time and because of these unauthorized inquiries and financial hardship I had to spend a lot of time away from my family to be a my job in order to pay the goods and services that I had to finance during that time and that took a heavy toll on my marriage that ultimately ended in divorce because equifax is unfairly taking advantage of consumers. They are also reporting a car loan on my consumer report from XXXX XXXX XXXX XXXX that i did not authorize them to report or give them written consent to report. That auto loan is in Cease and Desist with XXXX XXXX XXXX XXXX and should not be reported on my consumer report. CFPB i'm begging for your help to protect the consumer from this federal law violator. I have mailed equifax my notarized affidavit of truth and my invoice for damages listed above on XX/XX/ and they are ignoring me.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2020 I attempted to use my temporary debit card to purchase something and it was declined. I was confused because I knew I had more than enough funds in the account to cover the purchase. I called US bank right away and the automated answering system informed me that my card was put on hold for suspected fraudulent activity and it asked me to verify if I made any of those transactions ( {$1300.00} ) which I did not. I was transferred to fraud department by the automated system and I explained to them what happened and they filed the claim for me explaining that provisional credit will be available in 10 business days. They instructed me to break and throw away the card that was compromised and I would get a new one in the mail. They also instructed me to fax back a declaration form which I did the next day on XX/XX/XXXX. I called US bank on the XXXX of XXXX Friday and I was informed that it hasnt been 10 business days yet and to wait till Monday the XXXX. Fast forward to today XX/XX/XXXX, I called US Bank once again to inquire as to why my provisional credit wasnt provided after checking my online account. After a long hold, they informed that my claim had been closed since XX/XX/XXXX and the investigators determined that I initiated those fraudulent transactions. I was shocked by this because no one told me this on Friday when I called and i asked to speak to the claim investigator but they told me only they can call me so I have to wait for their phone call. I am beyond frustrated because US banks fraud system detected this fraud in the first place and my card was placed on block due to those transactions which I verified were not initiated by me the same day when I tried to use my debit card. To add to all this frustration, A US bank branch manager in XXXX sent me a letter informing me that my account would be closed at the end of XXXX for no reason. When I called for answers they told me they had the right to do that and do not need to provide me any explanation. I have been US bank customer for over two years and Im really disappointed with how they are treating me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been making payments on my student loan and it has been reported I'm 3 months behind I haven't made mid payments at all for the last 4yrs now they want to find me in default
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the third party entity Lexisnexis Risk Solution to provide original signed documents of oath of who can testify an alleged bankruptcy on my credit file and they have not sent any proof or documentation of any method of verification. I contacted XXXX  and filed a dispute of this alleged bankruptcy and they put me on hold and muted the phone several times. XXXX  is not cooperating. XXXX  and Lexisnexis is violating my rights under FCRA reporting inaccurate information on my credit file. Pursuant to Texas Code of fair credit reporting, XXXX  has violated my rights of not cooperating to investigate the alleged bankruptcy and also violating my rights of reporting inaccurate information to harm my personal credit. As a consumer I have the right to request that XXXX  and Lexisnexis Risk Solution Center furnish a notification of deletion of the inaccurate disputed information of the alleged bankruptcy. In an effort to resolve the disputed alleged bankruptcy, Lexisnexis Risk Solution emailed me and asked for my social security number, driver 's license and address. This third party entity is asking for my personal information to sell my data and to pretend as if they had my identity information to report on my file. I have not given Lexisnexis authorization to my identity neither to report anything on my credit file. I have the right to file civil lawsuit against XXXX  and Lexisnexis for damaging my reputation and credit as a consumer.
Complaint sub-issue: Investigation took more than 30 days

I 've been trying to dispute some inaccuracies on my credit reports. For some reason the credit bureaus NEVER respond back to me. That 's pretty strange because i know it is my right to dispute any inaccuracies i notice. Is that legal? Please investigate the following accounts. 


XXXX XXXXThe date of last activity is not reporting right. 
XXXX XXXX XXXX XXXXThis account is inaccurate. Three collector 's are trying to collect on this one debt. The balance owed is not correct. 
XXXX XXXX XXXXXXXXXXXXXXX XXXI have never done business with nor have i been contacted by this company about this debt. 
XXXX XXXXThe rating on this account is wrong XXXX  XXXXThe balance should be {$0.00}. 
XXXX XXXX XXXXThis company is illegally collecting on this account. They are not licensed to collect debts in Louisiana and that is ILLEGAL. 
XXXX XXXX XXXX XXXXthis account in inaccurate. 
XXXX XXXX XXXX XXXXThe date of last activity is incorrect. 
XXXX XXXX 've never done buisness with XXXX XXXX XXXX XXXXThis creditor along with two others are attempting to collect this debt. This company no longer has this debt. Please remove.
Complaint sub-issue: Reporting company used your report improperly

My personal information was compromised in a hack of Equifax 's data. My information was apparently compromised because of a lack of adequate encryption of Equifax 's data, allowing PII to be stolen and viewed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive noticed unauthorized inquiries on my Equifax report and provided this information over to the reps, and managers at Equifax over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. The other two bureaus investigated and removed the unauthorized inquiries yet Equifax still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
List your inquiries desired to be deleted 1. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. It is a reason of identity theft. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. It is a reason of identity theft. 
Account Number : XXXX Please remove it from my credit report. 
8. It is a reason of identity theft. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Complaint sub-issue: Reporting company used your report improperly

Equifax compiled my personal and confidential financial information, and the information of millions of others. Equifax had a duty of confidentiality regarding this information, to keep it safe, as consumers are not able to " opt out '' of Equifax in this modern financial era. 

Equifax breached this duty when they did not take measures to ensure they were not hacked. Equifax was, in fact, hacked, breaching their duty of confidentiality ; names, Social Security numbers, birthdates, driver 's license numbers -- all were made available to criminals due to Equifax 's negligence in not providing sufficient security when there have been recent hacks into the financial files of many large companies. Further, Equifax withheld informing consumers of this hack for an unreasonable amount of time. 

Upon checking Equifax 's webpage, I received the following notice : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''