Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I've been trying to remove the inaccurate addresses off my report that are not mine and are sibling addresses and the credit bureaus haven't removed instead they added my current address in the previous addresses which is incorrect they should have my address as my previous address. 

They need to my correct address to current and remove all the others that aren't mine. 

I called Equifax, XXXX and XXXX and I sent out letter XX/XX/2022 and nothing still hasn't be corrected.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the item, as it was already corrected from the other bureaus. You have 30 days to CORRECT this item listed below : XXXXXXXX XXXX XXXXXXXX XXXX Date Opened:07/20/2020 Balance : {$360.00} -Late/Open Late Date XXXX
Complaint sub-issue: Personal information incorrect

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY PREVIOUS ADDRESS INFORMATION WHICH IS TOTALLY WRONG
Complaint sub-issue: Company closed your account

On XXXX XXXX, XXXX, Citibank closed by account XXXX XXXX XXXX XXXX without properly notifying me , even though Citibank is able to do all or any of the following to contact me : 1. By telephone at the number they have on record. 
2. By regular mail at the address they have on record. 
3. By sending a secure message through Citibank Online system. 
4. By email to the email address they have on file. 

I did not know about it until I received a XXXX credit monitoring alert on XXXX XXXX, XXXX. The account closure resulted in a decrease of my credit score with XXXX, XXXX and XXXX. 

On XXXX XXXX, XXXX, I called Citibank and asked to reopen the account. Citibank representative did not agree to reopen the account without running a new credit report even though I was a Citibank customer for 20 years and Citibank has first-hand knowledge of my credit practices and payment history. Accessing my credit report again by Citibank could have resulted in further decrease of my credit score.
Complaint sub-issue: Account information incorrect

Both XXXX XXXX and Avante collection agency are both reporting my old debt of about 4 to 5 years ago as new account and both are showing up on my credit report.
Complaint sub-issue: Banking errors

XX/XX/XXXX i had a total of XXXX checks all of which were {$500.00}. 
{$1500.00} total, i filled them out wrong and pnc returned them back. The day that the atm rejected it i fixed my address it was wrong because i had moved just XXXX month ago. 

They said that it takes only XXXX business days to change the address, and that was about a week and a half ago, I called today ( XXXX ) and they said that XXXX days later it was sent to the wrong address. I even asked several times to get the money back in any other way and they never helped me
Complaint sub-issue: Information is not mine

I have SEVERAL unauthorized credit inquires showing on my credit report. I have disputed these inquiries twice with XXXX, Equifax, and XXXX and received a letter stating that they would have to remain on my credit report because they are under 2years old. As a result of one of my last phone conversations with XXXX, a 90 day fraud alert was place on my report with all three bureaus. I am in NO way liable for these inquiries and would like for them to be removed. I did not authorize all of these companies to run my credit.
Complaint sub-issue: Information belongs to someone else

This account has been reported as FRAUD/IDENTITY THEFT and it is still being reported on my credit report. I have asked for documentation verifying this account belongs to ME, but it is unable to be verified as it was opened online. This needs to be removed ASAP. 
A police report has been filed. 



XXXX XXXX XXXX {$580.00} Date opened : XX/XX/2020 XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This letter is to inform you that   XXXX   has failed to respond to my phone inquiry dated  XX/XX/XXXX  regarding unknown inquiries on my credit report. Since that time, there have been additional inquiries that have appeared on my report. As a consumer, I have the right under the FCRA to have these unknown inquiries removed accordingly. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ; -  XXXX   XXXX   XXXX   ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   , OH  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -  XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA    XXXX  -   XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , UT  XXXX  - XXXX /  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , SD  XXXX
Complaint sub-issue: Keep getting calls about your loan

I AM CONCERNED ABOUT THE ARTICLE I READ XXXX FINANCE ABOUT STUDENT LOAN CANCELLATION FOR STUDENT WHO ATTENDED XXXX  XXXX XXXX DECEPTIVE AND MIS LEADING PRACTICES ESPECIALLY XXXX  GO BACK SCHOOL WE HELP YOU FIND JOB ADVERTISING DIFFERENT AFFILIATES WHO THEY PARTNERED WITH. 

PROBLEM I HAVE IS THAT MYSELF AND THOUSANDS OF OTHERS WHO ATTENDED FROM XXXX, XXXX XXXX UNTIL XX/XX/XXXX. ARE NOT ONLY BEING LOOKED OVER BUT WE WERE THE VERY STEPPING STONES USED AS DECEPTIVE AD TO HAVE OTHERS ENROLL IN PROGRAM. I WAS RUNING XXXX XXXX XXXX XXXX AND XXXX XXXX WHEN THEY DUPED ME INTO GOING BACK SCHOOL. XXXX  YEARS LATER STILL SAME BOAT. 

I AM REQUESTING ACTION AGAINST XXXX XXXX XXXX AND FTC FOR OVERLOOKING IMPORTANT KEY FACTS TO WHAT WAS HAPPENING. 

I EVEN OFFERED TO MAIL XXXX XXXX XXXX XXXX XXXX  BACK TO XXXX  AT XXXX XXXX XXXX XXXX USELESS. 

I AM AM THAT NOT ONLY MY COMPLAINT BE HEARD BUT HOLD XXXX  XXXX XXXX ACCOUNTABLE FOR THERE ACTIONS VOLUNTARILY AND INVOLUNTARILY. I HAVE FILE COMPLAINTS BEFORE AGAINST DECEPTIVE PRACTICE. I SUFFERED XXXX XXXX TRYING TO RESOLVE ISSUE ABOUT XXXX  XXXX XXXX. I AM SURE THAT THEIR ARE OTHERS OUT THERE WHO ATTENDED XXXX  XXXX  XXXX DURING XXXX FEEL SAME WAY AS I DO. I AM FIGHTING TOOTH AND NAILS ABOUT WHAT RIGHT. 
CANCEL MY XXXX XXXX ALSO. 

XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have reached out to Equifax several times in the past few months as it pertains to my credit report. I have been erroneously denied credit, checking accounts and loans after being a victim of hurricane Irma due to false information on the Equifax report as Equifax is reporting me a deceased! on XX/XX/XXXX I mailed and faxed a copy of my ssn card and drivers license to have the account updated. I received a letter stated it had been updated to only find out on XX/XX/XXXX when I went to apply for a emergency relief loan thru XXXX XXXX that the account was reflecting with limited credit due to consumer deceased alert! I was also denied a checking account thru XXXX XXXX XXXX XXXX due to the same error! I called Equifax on XX/XX/XXXX after waiting 3 hours the rep advised that they were showing no errors. Call disconnected and I called back on XX/XX/XXXX and requested a supervisor, only to be told that they do show the error and it was a technical glitch and it would be corrected within 24-48 hours. I waited that time and reapplied for the emergency relief loan and credit card- only to be declined for the same issue! I am livid. I have inquiries that should not be, I even ordered the Equifax credit report, however credit card companies, which I have a denial on file to show you have erroneously denied and extended credit due to an error that should have been fixed months ago. It is not fair and it is illegal as they have had months to correct.
Complaint sub-issue: Public record information inaccurate

The issue is My ex wife ( XXXX ) is listed as a joint card holder on this account and we both feel that is an inaccurate description. I am the only person who ever applied for this credit card back in 1993. XXXX might have been added as an additional cardmember sometime over the course of the 26 years I've had the card. In fact years ago I cancelled all cards except mine and specifically requested that I be the lone cardholder with any and all responsibilities toward future charges etc. Since that time XXXX has not access or a card but has continued to be listed with credit companies as a joint cardholder. XXXX called Discover months ago and they specifically told her the only way to remove her from the account was for me to take sole position of all debts and responsibilities in the final divorce decree ( which I did ). 

On XX/XX/XXXX I spoke with XXXX XXXX at Discover 's CEG team ( this is supposedly the highest department that deals with disputes at Discover ). I also spoke on XX/XX/XXXX with XXXX ( who claimed to be the manager of the department ). I was told the exact opposite information, meaning they can not and will not remove XXXX from Joint responsibility because she is a joint cardholder. I have asked numerous times for proof of this information and so far have received nothing. 

My belief is that I am the sole responsible party for this card and request that XXXX be removed and have all credit reporting concerning this account cease in relation to her. 

If not, I am requesting proof in a timely manner that XXXX is in fact responsible for the account. 

XXXX, XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

I received an alert that a us bank credit card was applied for today. My identity was stolen as I did not do this
Complaint sub-issue: Account status incorrect

XXXX XXXX granted me credit on XX/XX/2016 with a balance of {$17000.00}. The card was maxed out. The Creditor closed my account and the total balance of {$17000.00} was paid in full. The account still states on my credit report as paid account but delinquent. The account was never delinquent and it was paid in full. This needs to be updated as just paid in full account.
Complaint sub-issue: Problem with product or service terms changing

Equifax was hacked, gave up vital personal information. Forced to pay for credit freeze. Outraged with company practices, hope the owners who sold their stock go to prison.
Complaint sub-issue: Information belongs to someone else

I was just notified via XXXX XXXX that my Equifax Credit Report has a delinquent account. I then logged into Equifax, reviewed my credit report and noticed that there is in fact a delinquent account present. The delinquent account is from a Homeowners Association in XXXX, TX. Specifically, it was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX I have never lived in or owned property in XXXX, Tx or XXXX XXXX. My home is located on private property in XXXX, Tx. 
Furthermore, I have never owned property that was subject to a Homeowners Association. I am 100 % positive that this account does not belong to me. My credit score dropped more than 100 points overnight. I have contacted an attorney and plan to sue XXXX XXXX XXXX XXXX Fair Credit Reporting Act? I have been harmed financially due to XXXX XXXX XXXX negligence and record keeping practices. Is there anything your agency can do to help me with this matter? 

Sincerely, XXXX XXXX XXXX Cell : XXXX
Complaint sub-issue: Investigation took too long

Agency has taken over 30 days to respond to reinvestigation
Complaint sub-issue: Investigation took more than 30 days

I sent a 3 certified letters XX/XX/2018 XXXX in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 30 days.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX XXXX ( Original Creditor : XXXX ) account # XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) account # XXXX, and XXXX XXXX ( Original Creditor : 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 an account without my written instructions.
Complaint sub-issue: Account information incorrect

Equifax is reporting account number and creditor name in this account wrong ( XXXX XXXX XXXX XXXX ) Please correct this information or removed the account from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my credit that are not mine. I do not recognize these accounts and inquiries, and have never incurred debt with these creditors. I do not know where they came from.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I purchased a 2017 XXXX XXXX in 2017. I have ben up-to-date with all of my payments. XXXX recently updated their payment app to automatically make the payment for the next due date if the payment that is due is being paid during the grace period, after the first deadline, so my XXXX payment was deducted on XX/XX/XXXX, along with my XXXX payment. So there were XXXX payments made on one day, the one for XXXX and the one for XXXX, which was considered late. I contacted XXXX XXXX XXXX to discuss the matter, and they agreed that it was not my fault, that the payment was made on time, and that they would update the credit bureaus. They have not done so, and because they did not do so I filed a dispute with XXXX, XXXX and Equifax. XXXX fixed the problem on my report, but XXXX and XXXX are not doing so. I have exhausted my remedies with XXXX, XXXX and Equifax. Please help.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I, XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. 
I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 
Please provide the written instructions that I, the consumer gave to Discover which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account DISCOVER BANK XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt out of credit reporting for this account. If my instruction to opt out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both. 

Sincerely, XXXX : XXXX
Complaint sub-issue: Trouble with how payments are being handled

My federal student loans were with FedLoan and were recently forgiven under XXXX. At the beginning of XXXX, I received an email from FedLoan indicating that I was eligible for a refund for payments made during the COVID pandemic. When I called to request the refund, they said they would submit it. I called back in XXXX and they confirmed the request had been submitted in XXXX. 

The week of XX/XX/XXXX, I spoke with them again because I still had not received the refund checks. They told me the refunds were taking several months because of the large number of refunds due to borrowers, and they confirmed I was due a refund in the amount of {$18000.00}. They advised me to call back in XXXX. I called again on XX/XX/XXXX and was told everything was in process but that the delays persisted in getting the refunds out to borrowers. 

When I called today to check again, I discovered FedLoan no longer exists. I understand you have successfully helped others unstick this process and was advised to contact you. Please advise.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I previously was an XXXX  customer. Due to multiple better business bureau complaints XXXX told me that they will let me out of my contract if i returned the phones to an XXXX  XXXX store, which i did. Several months later i started getting contact from various collection agencies regarding the XXXX  account that i wasnt informed that i owed. Instead of continuing to argue with XXXX, I decided to include the XXXX  account in my bankruptcy. XXXX  was notified that the bankruptcy was filed. After they was notified they sold the account to AFNI. I have contacted AFNI on multiple occasions regarding this account. Once my bankruptcy was discharged i had to send AFNI my court documents proving that it was discharged. After receiving my files AFNI told me they closed the account. Then they started to harass me again. XXXX  blames afni and AFNI blames XXXX. AFNI told me on XX/XX/XXXX that it didnt matter that the account was discharged i need to pay it anyway. Another rep told me to go to XXXX. I spoke to XXXX  on XX/XX/XXXX Their rep XXXX XXXX told me AFNI needs to close the account. AFNI tells me i still have to pay although it has been discharged in bankruptcy, which is against federal law! The bankruptcy law states that no creditor can collect on any account that has been discharged due to bankruptcy. AFNI is a fraudulent collection agency! The government needs to shut them down. Instead of settlement in the fraudulent business practices case against AFNI the government should have shut them down
Complaint sub-issue: Other problem getting your report or credit score

ON XX/XX/2019 I APPIED FOR THE XXXX XXXX XXXX BY XXXX XXXX, THEY PULLED EQUIFAX AND AS A RESULT DENIED ME BECAUSE I HAD NO SCORE SEE ATTACHED.
Complaint sub-issue: Information belongs to someone else

I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX XXXX {$150.00} XXXX  XXXX {$790.00}