Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX XXXX XXXX XXXX, started reporting a debt on my Equifax report as in collections. Stating that this is an old XXXX XXXX Account. The account in question has been closed since XX/XX/XXXX and charged off by XXXX. Date Reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX, Balance Date XX/XX/XXXX Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Original Amount Owed {$1300.00} Account Number XXXX XXXX Amount {$1300.00} Creditor Classification Financial Status Date XX/XX/XXXX Last Payment Date Status UNPAID Date of First Delinquency XX/XX/XXXX The DoFD has been re aged by this collection agency. I have reprinted copies of my XXXX XXXX XXXX from this account that clearly shows a XX/XX/XXXX date.
Complaint sub-issue: Information belongs to someone else

I RAN MY CREDIT AND FOUND SEVERAL ACCOUNTS THAT ARE NOT MINE. i NEED THEM DELETED IMMEDIATELY.. I HAVE ATTACHED AN IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS.
Complaint sub-issue: Account information incorrect

I would like the credit bureau 's to updated my XXXX XXXX credit card to XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a Victim of Identity Theft and I have submitted numerous disputes concerning fraudulent accounts reporting on my credit reports. I submitted FTC and police reports to the credit bureaus and and the the companies involved requesting validation of the debts and I have not received validation as requested. I am exhausted with all the runarounds from the credit reporting agencies.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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.
Complaint sub-issue: Account status incorrect

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS BEING REPORTED ON MY CREDIT ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TOTHE ACCOUNTS THAT ARE BEING DISPUTED.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A 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: Debt was paid

I am continuing to get debt collection calls from a debt that, I was told, was paid in full in XXXX 2013. I have a paid in full letter, as well as an email conversation showing that I do not owe this debt anymore. That being said, 2.5 years later, I am still getting the phone calls and the debt is still showing on my credit report.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$0.00} XXXX OF XXXX {$0.00} XXXX XXXX {$3900.00} ''
Complaint sub-issue: Account information incorrect

The company reported to both XXXX  and XXXX  that my payments were late from XX/XX/XXXX-XX/XX/XXXX, three times as late by XXXX days then twice as late by 60-89 days late. I had paid on this loan within the XXXX day mark mid-month and paid it in full XXXX. Originally, this company re [ ported my account current but then when I received the 60-89 days late status to XXXX  and sought an investigation, the company retracted my current status ' from XX/XX/XXXX-XX/XX/XXXXas late for all three months, thus prompting me to believe this was in retribution. I paid this on this account XXXX  XXXX to cover any late fees and past due balances to ensure my account was not only paid for said month but had enough to be extra careful. Furthermore, I had taken on a new loan late XX/XX/XXXX ; said company is still reporting on my past loan ( the one I was just discussing ) and decided to report my status as 60-89 days late when I have a new loan established. My complaint is as follows : 1. My account balance was current for the months of XX/XX/XXXXand XX/XX/XXXX. 2. My account was not delinquent by 60-89 for XX/XX/XXXXand now, XX/XX/XXXX. I paid off my loan in full and closed the account during XX/XX/XXXX; my new loan was just establishedXX/XX/XXXX and was absolutely current for XX/XX/XXXX. I spoke with a company representative and asked for COVID impact relief over a late payment from XX/XX/XXXX, to which they said they would not offer. They did not take into account my active military status and would not offer any assistance. This is also the case for all this malice and everchanging credit reporting going on currently.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance to Fair Credit Reporting act. These accounts listed below has violated 15 USC 1666B. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1666B states a credit reporting agency may not report any open end consumer plan late for any purpose.

15 USC 1605A states the finance charge is the sum of all charges.

15 USC 1681A ( 2 ) ( A ) ( I ) states a consumer report does not include transactions or experiences between a consumer and a person making the report.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Complaint sub-issue: Reporting company used your report improperly

In XXXX with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agencies can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit reporting act XXXX account # XXXX and Account no # 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: Their investigation did not fix an error on your report

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Complaint sub-issue: Didn't receive advertised or promotional terms

Received the following promotional email from Citi : Just make 3 XXXX purchases of {$30.00} or more now through XX/XX/2018. 

Citi Logo View in Browser XXXX XXXX XXXX Icon Cardmember since : 2018 | Account ending in : XXXX Citi Premier Card AN EXCLUSIVE HOLIDAY OFFER FROM CITI Gifts for them. Plus a gift for you. 

Learn how you can earn a onetime {$30.00} statement credit below. 

Man and his son sledding down a hill, next to a photo of a sled on XXXX. 

Earn a onetime {$30.00} statement credit after you make at least three XXXX purchases of {$30.00} or more each with your Citi card between XX/XX/2018 and XX/XX/2018. 

You will receive a onetime {$30.00} statement credit after you make at least three purchases of {$30.00} or more each at XXXX with your Citi credit card. Your purchases must post to your account between XX/XX/2018 and XX/XX/2018. The statement credit will be applied to your account within 2 billing cycles after the eligible purchases are posted. 

In order to qualify for this offer, the account must be open and current at all times. If your account is closed for any reason, including if you convert to another card product, you may no longer be eligible for this offer. This promotional offer is non-transferrable and applies to the account ending in the last 4 digits referenced in this offer. 

I met the terms of the offer completely and confirmed this with an online Citi representative who assured me that the {$30.00} statement credit would post within 48 hours. It did not. 

Citi has denied me several bonuses due to poor technology, poor communication, and an extremely flawed website. I have grown weary of their incompetence and would like to request a {$30.00} statement credit as soon as possible.
Complaint sub-issue: Information belongs to someone else

I submitted a complaint to PNC Bank , National Association through my states attorney generals office around XXXX of XXXX. PNC Bank , National Association responded to my complaint 3 months later. With that being said PNC Bank violated section 1022.43 ( e ) ( 3 ). I have record that PNC Bank received my identity theft packet around XX/XX/2021. PNC Bank did not notify XXXX and have the information deleted from my credit report that is the result of identity theft. I am demanding PNC Bank notify XXXX immediately to have the information deleted due to the violation of the regulation referenced above.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit Act XXXX Account # XXXX h

as 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 n
ot furnish a account without my written instructions. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX/
Complaint sub-issue: Account status incorrect

On XX/XX/2022 and XX/XX/2022, I sent a request for an investigation into some accounts that did not look correct on my credit profile. 

XXXX XXXX XXXX Account is reporting as Late 60 days, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed and payment status updated to " Current. '' XXXX XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXXXXXX This account is showing as a collection, but it also show a Past Due Balance. The bureaus were unable to produce the document proving I owe the dollar amount listed. I am requesting this account be deleted immediately. 


XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXX This account is reporting as a collection and closed on XXXX but 120 Days Late and open on Equifax XXXX This account is not FCRA compliant and should be deleted immediately.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 a 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: Problem getting your free annual credit report

I can not obtain online weekly electronic access to my EQUIFAX credit report thru annualcreditreport.com. The other 2 bureaus work just fine. I have already contacted EQUIFAX and they advise they can not do anything regarding the XXXX website and suspiciously redirect me to go to myequifax.com to sign up for 6 free copies of my EQUIFAX report. XXXX just redirects to each bureau 's security forms, so it should not be an issue with XXXX. Before I am given the " Online Delivery Unavailable '' error/load page, I am usually asked the Equifax security questions and most of the time none of the questions or answers apply to me, but the most recent time they all applied to me and I know I answered them 100 % correct, and still got the message that online delivery is unavailable.. I haven't received my free weekly Equifax credit report at all within 2 months even after calling Equifax twice and regardless I shouldn't have to receive only this bureau in the mail, I should be able to have the electronic weekly access as is offered. It is a WELL KNOWN ISSUE with loads of consumers and a theory is that EQUIFAX is preventing access, the CFPB need only XXXX this issue to find numerous complaints. Please demand this issue is fixed with either EQUIFAX or annualcreditreport.com, we as consumers should not have to transact extremely sensitive personal documents via MAIL.
Complaint sub-issue: Problem getting your free annual credit report

I have not been able to see my Equifax Credit report since XX/XX/2017. I have called in several times I have case numbers where customer support promises to fix this. I have no problems with other bureaus. I only can access the dispute part of MY EQUIFAX product. When I go there I see 4 XXXX XXXX  account. I reported these duplicates and called customer support who told me they saw the duplicate only to later see they added another in the dispute area ( this is all I can see ). My credit score is unknown to me and does not show up on any sites or product that do show my other bureaus credit scores with no issues. I have not seen my score since XX/XX/2017
Complaint sub-issue: Can't stop withdrawals from your account

On XXXX XXXX, my checking account in Citibank charged me in this date XXXX dollars, I called the bank and they said that this charged was made by XXXX for a transaction made on XX/XX/2022, and that they are charging me now for this, I told the bank that I have not make a transaction with this company lately and if this was on XX/XX/2022 because I remember buying a jacket on that month, why Am I being supposedly charged again, so I asked the bank to open a dispute for this charged and the bank denied me this service saying to called XXXX and to fix the problem with them. I did what the bank told me to do and call XXXX and I spoke to the financial department that told me that they dont see any transaction made on that date with my debit card and told me to call my bank and ask them to open a dispute. 
I did this again and I was denied again by the bank to open a dispute for my money taken away from my account supposedly by XXXX. Also the las few months I noticed that money is missing from my checking account, like sometimes XXXX, XXXX, XXXX dollars, and when I called to the bank to open an investigation they denied me of this service and this money missing from my account got lost. 
Also I open a dispute on XX/XX/2022 for a charged made for XXXX of XXXX dollars and the bank closed the disputed last month saying that I didnt give them enough information when they sent me a letter by mail, but I didnt receive this letter that is why I didnt send the information requested to me. Citibank told me to send them a letter asking for an appeal to reopen the dispute which I did already but they have not answered me yet. This charged was made when XXXX charged me twice the transaction I made with them, I did receive the merchandise but after 2 weeks, I was charged again by XXXX in my account. 
Im not too sure if I am being robbed and abused by XXXX or Citibank or maybe are both.
Complaint sub-issue: Personal information incorrect

I have tried filing disputes concerning personal information listed on my Equifax, XXXX and XXXX   credit report. They are not taking care of the issue, I have sent in my id issue by the state, a copy of my ss card and a piece of mail, they still have not make the correct updates. I have mailed in certified letter in regards to inquiry that are still on my credit report that has not been removed. I have no other choice but to seek your assist. The information that they are reporting is incorrect and they refuse to make the correction sent certified mail to Equifax, XXXX and XXXX on XX/XX/2017 for personal information and inquiry correction. which included copy of my id, current address, and ss number. 
Sent a copy of all inquiries that did not belong to me. Not one was removed. And they are not mine. 
My name is incorrect on all three and I have provided them the correct information My address is incorrect and I have provided all 3 credit reporting agency the correct information The inquiry listed are still incorrect I have sent letter disputing they have not taken care of this issue
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2018.
Complaint sub-issue: Information belongs to someone else

There are numerous accounts and inquiries listed on my credit report that I have NO knowledge of and did NOT authorize. This was a result of malpractice or an error.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Account information incorrect

Hello, I received the response from Nelnet on the CFPB website. I reviewed it and I have some questions. I would like to know how and when was I notified that I was supposed to start payments in XXXX of 2014? I was still contemplating classes and under the impression I was in deferment. Can I get the documents that stated I was to begin payments at that time?
Complaint sub-issue: Reporting company used your report improperly

My information was compromised in the recently disclosed data breach.
Complaint sub-issue: Public record

As per your request iam seeking to complain for same reason to equafaix, they have rong information on my report tats adverse to my record ... as with trans union. please add these to my complaint..it involves a judgement removed.. as much te XXXX and both XXXX bills and the credit card .... we wish, these adjusted and removed .... the XXXX card in fact, we ask credit collectoras stated to send proof, it beyond statu of limitation, but was n't as we stated not mine. they sent doc belonging to unknown party, who was a plumber? Ive been in XXXX XXXX since 2004, never was plumber ... .or have employees or plumbers ... .. thank you .please refer to original complaint,. XXXX XXXX
Complaint sub-issue: Seized or attempted to seize your property

i ; consumer, owner of home stead, exempt property known as XXXX XXXX XXXX XXXX Washington DC, which scheduled for foreclosure on XXXX, XXXX, 2020 again, by BWW LAW GROUP , LLC. alleged plaintiff 's counsel for XXXX XXXX XXXX XXXX, I ; never had any contract with XXXX XXXX XXXX XXXX, i do not know the CEO, none of their information such as, address, telephone number, name, email, web site. in order to settle any debt that is true, due, and owing. i deny alleged debt in entirety, i am, able ready willing to settle any debt that is true, due and owing.