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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XXXX XXXX, 2020, I purchased an open-loop visa gift card from XXXX 's grocery store. The Visa gift card is issued by US Bank National Association. The card failed activation and appeared to be tampered with. When I called to report the card tampered, I was told that funds would be frozen and a new card issued to me. The new, personalized replacement card arrived on XXXX XXXX, 2020. When the new card arrived, the balance in the XXXX stated " your balance is XXXX dollars. '' I checked the card activity and purchases were made 100+ miles from my home on XXXX XXXX, 2020. The card had been tampered with, and someone who gained unauthorized access to the card drained the funds that were supposed to have been frozen by US Bank. 

I have called the phone number on the card at least 25 times. I have received a pick up from a human being to assist with this problem only twice. Both times, the system automatically hung up on me either during " transfer to the appropriate department '' or while the CSR was speaking to me. In both cases, the time holding before a human picked up the line was 6 minutes or more. In at least 5 cases, I have been on hold for 5-10 minutes only to be hung up on by the system. On at least 10 occasions, I have had what seemed like someone pick up on the other end of the line, but I can not hear anyone speaking -- just a static sound as if I were listening to someone's cell phone inside their pockets. 

US Bank irresponsibly failed to freeze the funds on my card when it was reported, and now it is impossible to speak with someone to put in a dispute for the funds to be returned. As a result, I am seeking help from the CFPB.
Complaint sub-issue: Account terms

I am requesting to file suit against Equifax, I am not sure what these people 's problems are however, the only way this will all be resolved as if it goes in front of a judge. Equifax, you have taken my XXXX XXXX credit card off of my credit report. You will not update the XXXX XXXX XXXX and XXXX XXXX as being paid in full. You will not take the Mortgage off of my credit report. At this time I think it is just best that this goes in front of a XXXX judge to be resolve. I will be filing suit in the morning. 
XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2017 I tried to get my equifax report, and I was unable to gain access
Complaint sub-issue: Was not notified of investigation status or results

In Letter Dated XX/XX/2019 sent to the Credit Reporting Agencies went unanswered by all three ( 3 ) bureaus, no explanation was provided and they all continue to report the erroneous information on my credit file.
Complaint sub-issue: Investigation took more than 30 days

I sent letters XX/XX/2020 regarding incorrect and unknown things on my credit report. It's been well over 30days later and I have not received a response yet. I feel like I'm being completely taken advantage of and being ignored of my disputes at this point. Section 611 a states that a failure to investigate these items with 30 days is a reason to remove the items from my credit report immediately. It's been over 30 days so they should be deleted immediately or I will file for litigation due to the stress that you have caused me and my family. My information also could have gotten into the wrong hands due to the Equifax data breach. Please fix this immediately.
Complaint sub-issue: Information is missing that should be on the report

on XX/XX/2020 I went to try to purchase a house with XXXX XXXX and was denied for having 10 negative accounts on my credit report. I have never authorized any of these accounts from being open or have ever authorized anyone else to open them in my name. I have never benefitted from any of these accounts being opened or have received any money or goods in good faith from the accounts. Please remove them from my credit report. I have a filed a police report regarding these accounts being opened as a result of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

I have had multiple inquiries and accounts appear on my reports that are not mine. At least 2 accounts and 16 inquiries were not opened or made by me. I have submitted my information and reports for your review.
Complaint sub-issue: Reporting company used your report improperly

ln accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX 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 fumish a account without my written nstructions
Complaint sub-issue: Reporting company used your report improperly

On Friday, XX/XX/XXXX, it was reported in major news outlets that Equifax had suffered a massive data breach which exposed some 143 million records to unknown assailants. These records included very sensitive information such as Social Security numbers, credit cards numbers, addresses, and more. In short, the type of information which is essential for performing identity theft. Shortly thereafter, Equifax set up a website called equifaxsecurity2017.com which purportedly let you check if Equifax believed your data had been accessed, and sign up for a identity monitoring service. What they failed to mention in easily noticeable writing was that signing up for that service waived all your rights to a class-action lawsuit. Furthermore, it came to light that Equifax sat on this breach for some time before notifying the public. In the interim, several executives sold approximately {$1.00} million dollars worth of shares. Leaving aside the allegations of insider trading, the fact that Equifax did not  IMMEDIATELY notify all potentially affected consumers is atrocious. They did not, as far as I 'm aware, institute any sort of fraud alert for affected consumers, leaving a wide open window of opportunity for anyone wishing to abuse the stolen data, and leaving millions vulnerable to identity theft. Regardless of whether they should have been spending more on their security infrastructure, their actions in response to this breach have been slow and lacking, to say the least, and potentially criminal.
Complaint sub-issue: Other problem getting your report or credit score

I have been actively monitoring my credit through XXXX XXXX. In the middle of XXXX, 2017, Equifax  reported information through XXXX XXXX, vwhich resulted in a XXXX XXXX score. Many negative items were disputed by me directly with Equifax via letters. Equifax, removed many of the items due to the failure to verify the accuracy of those negative accounts. However, they also deleted my open and active credit card account, which is in good standing. These actions resulted in a NO SCORE credit file with Equifax. Consequently, I have been denied credit based on information provided by them ( No credit experience ). I contacted Equifax a few weeks ago when I first noticed that my credit card account was deleted. I was not able to resolve the issue with them. Since then, I have not been able to speak with anyone. Furthermore, Equifax has continued to update only negative information through XXXX XXXX, even inquries as recent as XXXX XXXX, 2017 ... .but, not my open, in good standing credit card account with XXXX XXXX . If I have an account in good standing, which was previously showing on XXXX XXXX, I should have a credit scorXXXX for reporting. I have eliminated the theory that XXXX XXXX is the issue, as the rep from Equifax suggessted since I had purchased a subscription from XXXX ( I think thats the name ) and it showed my Equifax score a ( 4 ). Additionally, I tried to purchase an Equifax subscription, using the card that they deleted from my file and my subscription purchase did not go through although my card was charged. I feel as if they are only reporting negative information about me and not positive accounts ... and I have no way to regularly monitor my Equifax report to for errors and accuracy. Ive attached files that show that my card was previously showing, but was deleted, along with proof of my previous score and proof that the XXXX XXXX account exist, is in good standing and reported by other bureaus.
Complaint sub-issue: Information belongs to someone else

This is a complaint against timeshare XXXX XXXX XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Complaint sub-issue: Sent card you never applied for

I applied for a Credit Card with XXXX via Citibank NA. I received that card and have no problems with that account. 

About 3 weeks later, I received an unsolicited Credit Card from XXXX XXXX XXXX. This card is also issued by Citibank NA! 

It appears they are either opening a new account without my permission ; OR, have been hacked and someone is opening a new credit account in my name.
Complaint sub-issue: Information belongs to someone else

XXXX has violated my rights serval different times and ways. I am a victim of identity theft. I have sent in and reported serval times to XXXX  and have asked for them to validate the date with proper proof of debt and they have totally disregarded. 
I have used the 605b of the FCRA to report identity theft with police reports and ftc reports and the do not honor and when they did block and remove they further violated FCRA 611 ( a ) ( 5 ) ( B ) by placing back on my credit file without giving me notice in the 5 business days allowed by the fcra the accounts are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER  XXXX BANKRUPTCY XXXX {$0.00}
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. I've been trying to correct some incorrect accounts on my credit report and my claims have being totally ignored by Equifax. I do not know what to think right now because they failed to respond to me and also failed to present me evidence. They lack any legal obligation or contract. I've never done business with them. Please remove quickly XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

According to this company, after performing a consumer credit inquiry upon my social security number, they determined that I was not qualified to grant them the right to extend me credit. However, according to Federal law, specifically 15 USC 1605 ( a ) ( 3 ), Key Bank is not allowed to take cash as a down payment in a consumer credit transaction, also pursuant to 15 USC 1602 only a natural person can originate a consumer credit transaction, and for them to falsely represent themselves as a creditor is patent fraud. According to 15 USC 1681 ( d ) ( 2 ), and 15 USC 6802 ( a ) ( b ) ( 1 ), any transaction or experiences with me by any person making such a report, and myself as a consumer are not to be disclosed, unless I am given the opportunity before such information is disclosed to opt out, and given the knowledge of how to opt out of such disclosures. I was not given this opportunity. By telling me that I could only qualify to be extended credit after paying {$5000.00} upfront, that is a violation of my RIGHTS under the Truth In Lending Act 15 USC 1605. Pursuant 15 USC 1635 ( a ), it is the obligation of Key Bank to notify me of my Right of Rescission under The Truth In Lending Act. I was not notified of my Right of Rescission.
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 inquiries 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. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Problem getting my free annual report

Once again, Equifax denied me a the yearly free credit report I 'm entitled to. I answer all their questions correctly, but they denied the report nevertheless with no explanation whatever. For how long are you going to allow them to get away with this practice, as it is a violation of federal law?
Complaint sub-issue: Information is not mine

My husband and I requested our credit reports for the first time on XX/XX/XXXX and in the cases of XXXX and Equifax , we were asked questions about possible loans that we might have. For example at Equifax : " Your credit file indicates you may have an auto loan/lease, opened in or around XX/XX/XXXX. Who is the credit provider for this account? '' There were multiple choice answers. When we checked, " None of the above. '' we were told we must submit a request for the report in writing, and could not locate a person to speak to as to whether or not there is a listing under our name for a car loan. A similar question about a mortgage was given at XXXX. We have no loans, but now can get no information about whether someone has appropriated our identity to obtain loans. However, Equifax offered to sell us a better security system ( lock ) to ensure that no one in the future could use our information. Is this a scam on the part of the credit agency? I feel we are entitled to immediate information from them as to our credit rating and possible abuses.
Complaint sub-issue: Can't use card to make purchases

On XX/XX/2023 I tried to use my card to pay for a study permit application. I was sent a verification code to my text, which I put in, and my card was flagged for 'early fraud prevention '. I had to call a number. 

I called the fraud number, gave them my cell phone and 'code word " to verify me, but they said that 'verification methods have changed ' ( I was not notified as a customer that I needed to create any other verification methods ). 

Citi said that they had to have a second phone number associated with the account to verify. Like most people in 2023, I only have a cell phone. They kept asking if I had a landline, which like most people, I haven't in decades. Even though they were talking to me now, on this cell phone number, I was going to have to call them from some landline to talk to them instead. 

When I didn't have that, they actually wanted me to have someone with my last name call from their phone number to talk to my bank for me and verify that I am me. This doesn't make any sense whatsoever. It seems like it would be EASIER for someone to commit fraud this way- they'd simply have to call from a random number and claim they were related to you! Since it was the middle of the night, I couldn't just call up some relative and tell them they had to talk to my bank for me, go through the holding music and everything. 

The only other option was to have Citi mail me a letter that would take 5-10 business days to reach me. I told them I was going out town and needed to use my card, but they didn't care. 

Now my account can't be used at all because of this 'early fraud prevention ' which was me, using my own card. I have to wait 5-10 business days in hopes a letter makes it to me through the mail to get a reference number from that letter and call them- on the phone they refused to verify- to unlock my account. 

If this was a true emergency, I would have been screwed. It's scary to think now that any time I need to use my credit card, I can't just have a code texted to me, either a relative 's going to have to call in from another number for me or I have to wait for a letter. 

This method makes XXXX sense. This shouldn't be how banking is in the 21st century. 

I want my card unlocked so that I can transfer my card to another bank and be done with Citibank.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$1300.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On 5 separate occasions I contacted Equifax in regards to unauthorized fraudulent inquiries showing on my credit report. On my last call that I placed on XX/XX/XXXX the representative from Equifax advised me that the inquiries ( Equifax Mortgage-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, and XXXX/XXXX-XX/XX/XXXX ) would be removed as fraud since I do have an active fraud alert on my file. I received an updated report online and the inquiries were NOT removed but instead I was sent an explanation stating that inquiries are factual data and can not be removed. I contacted the creditors that obtained my report and asked them to remove the inquiries due to them being fraud and have been unsuccessful. I was told that I would need to contact Equifax. At this point these inquiries are hindering my ability to obtain credit and need to be removed as FRAUD
Complaint sub-issue: Information belongs to someone else

Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been comes to terms. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these from my personal files. 
XXXX XXXX XXXX XXXX XXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$23.00} XXXX XXXXXXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX Bankruptcy Reference # : XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Account status incorrect

Filed a dispute regarding incorrect balance and payment history with reporting agencies equifax and XXXX. XXXX responded via email with an obviously stock robo answer that information was indeed correct and that it takes 30 to 60 days for the reporting agencies to update information. They are the only creditor that I have where this seems to be the case. I resubmitted an additional dispute and received the same response. I then filed a complaint on this website after seeing my score drop 18 points. Upon further investigation it appears now that rather than correct the information they have reported to the credit reporting agencies my account is now reported as being closed. Which it is not. It sure didn't take 30 to 60 days to report my account as closed. Seems a bit retaliatory.