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

My name and address are mixed with someone else 's. The other person 's student loan and 2 credit card accounts also show up on my Equifax credit report. 

XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX High Credit/Credit Limit : {$42000.00} Account Number : XXX ... XXXX Payment Amount : Not Available Association to Account : Individual Balance : {$28000.00} Type of Account : Installment Past Due : {$0.00} Date Opened :XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Too new to rate or opened but not used Date Reported : XX/XX/XXXX Months Reviewed : 55 Payment History : No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History : Comments : Student loan Monthly payments XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX High Credit/Credit Limit : {$400.00} Account Number : XXX ... XXXX Payment Amount : Not Available Association to Account : Individual Balance : {$0.00} Type of Account : Revolving Past Due : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Paid as agreed and up to date Date Reported : XX/XX/XXXX Months Reviewed : 40 Payment History : No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History : Comments : Monthly payments Amount in h/c column is credit limit XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX High Credit/Credit Limit : {$1000.00} Account Number : XXX ... XXXX Payment Amount : {$10.00} Association to Account : Individual Balance : {$670.00} Type of Account : Revolving Past Due : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Paid as agreed and up to date Date Reported :XX/XX/XXXX Months Reviewed : 46 Payment History : No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History : Comments : Monthly payments Amount in h/c column is credit limit
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Rep said he didnt care about my rights, rep said he knows the federal law and still will not delete or dispute any info on my report. Rep stated that he knows its my rights and understand my rights but their policy states they can not help me. I wants 2 accounts and all hard inquiries removed. Equifax should not be responsible for holding any any of my personal info. They need to delete all accounts and collections. They have no respect of our rights. XXXX iD number XXXX
Complaint sub-issue: Information belongs to someone else

The XXXX XXXX XXXX  is reporting this account that it is not mine, much less my husband 's. The account number is XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX and THD/CBNA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, TXXXX, XXXX XXXX XXXX and THD/CBNA with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit act 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: No notice of investigation status/result

XXXX did not send me a copy of the original signed contract which proved when i opened the account and i did not receive the full payment history as in statements. i see no proof that my last payment was made on XXXX/XXXX/2012.
Complaint sub-issue: Reporting company used your report improperly

I had to look up on Equifax 's sketchy website whether I was affected by their data breach. According to them, I most likely was. Why were we not notified earlier? And why are n't they automatically watching for fraud on my account? I have to opt-in, and the terms make me promise I wo n't sue them. 

I also had some fraud on a credit card a few weeks ago ; I wonder if this is related, given some of the breached data included credit card numbers.
Complaint sub-issue: Their investigation did not fix an error on your report

Please see attached letter 's mailed to your CARDMEMBER SERVICES XXXX XXXX  XXXX XXXX, DE XXXX and to your XXXX XXXX  Attn : Executive Office XXXX XXXX XXXX / XXXX XXXX, OH XXXX Not getting a response in writing as requested.
Complaint sub-issue: Account status incorrect

I have a charge off bank account that should of been deleted off my credit report years ago It is fully paid off and I would like it permanently deleted off my credit report
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

XXXX XXXX with MAC. 

Told me I had a returned check from XXXX and if I didnt take care of it they would turn it over to the prosecuting attorney for felony charges. Said I had been evading them and the prosecutor was tired of it. Contacted my local prosecuting attorney and found out it was all false. Also I never had a checking account until XXXX. There is XXXX chance they have an actual debt. Contacted a lawyer to start filing a lawsuit against them.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed two accounts with XXXX XXXX XXXX. Please see attached file. The account was closed and paid on XX/XX/XXXX. The statute of limitations on PAYED AS AGREED trade lines is 10 years from the final payment & date closed. On XX/XX/XXXX there was an unauthorized updated which should never have happened to begin with. As a result, the account will continue past the statute of limitations of 10 years. 

I tried to call but the Equifax telephone system is programmed in such a way, that me, the consumer, can not connect with a live person. 

I need all my recent disputes gone over with me by a live person from Equifax so that all the disputes can be addressed. No one has the right to do an update or change a status date to keep information in my credit profile longer than allowed.
Complaint sub-issue: Account information incorrect

My credit report has not been updated since XX/XX/2020 for XXXX. It states that I still have a balance of {$440.00} when I currently have XXXX balance. 
I have contact the company of numerous occasions and nothing has been updated.
Complaint sub-issue: Old information reappears or never goes away

I disputed, with all credit reporting agencies, the information being reported by XXXX XXXX XXXX. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, XXXX has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need XXXX to provide an explanation as to why they put this back on my credit profile. I never opened an account with XXXX. Under The Fair Credit Reporting Act, once an item has been removed it can not be re added. XXXX XXXX could never provide me with any documentation proving I agreed to this ridiculous debt. Even after I disputed with the CFPB, they still could not validate and agreed to remove and I have the letter so now why is it being added with different information. I never received any information or communication, as required by the Fair Credit Reporting Act, from XXXX XXXX, XXXX, Equifax or XXXX  that this account was being placed back on my credit.
Complaint sub-issue: Information belongs to someone else

I NEVER OWED A XXXX XXXX OR A XXXX XXXX I NEVER WAS IN AN ACCIDENT ON XX/XX/XXXX ANOTHER XX/XX/XXXX A XXXX AND XX/XX/XXXX I WAS NEVER IN A CAR ACCIDENT ON THESE DATES!! I NEVER OWNED A XXXX OR XXXX... LEXISNEXIS IS LYING ABOUT ME. I NEVER OWED THESE CARS!!! MY CELL NUMBER IS XXXX. LEXISNEXIS HAS REFUESED TO REMOVES THESE LIES ABOUT ME. MY INSURANCE HAS TRIPPLED. THIS IS XXXX.
Complaint sub-issue: Other problem getting your report or credit score

I had my credit reports frozen on all three reporting bureaus. 

Today XX/XX/2021, in order to apply for an apartment lease I went to unfreeze them. 
I had no problem doing that with XXXX or XXXX, but Equifax was not able to process my request online so I called the number they provided. 

After completeing a lengthy verification of my identity I was told they were unable to remove the freeze and I should call back another time. 

Their system had no problem verifying who I was, and promptly unfreezing a report should be an obligation they have given the role they play in credit processing and approval. 

I was unable to connect with a XXXX, and the agent would only give his name as XXXX.
Complaint sub-issue: Problem with personal statement of dispute

In fall XXXX I had placed on my credit report from Account Resolution Center a medical collection debt on my credit reports with XXXX, XXXX and Equifax. I disputed the validation of the debt with the agencies. XXXX and XXXX deemed that after Account Resolution Center provided them only a copy of their own internal account link and debt number where I never created any account with them nor provide any of my personal information with this agency had it deleted. Equifax however viewed it as being valid even though I was never provided any documentation proving the debt is mine. I have sent a personal statement contesting the investigation on XX/XX/XXXX via certified mail which as of XX/XX/XXXX I have had no follow up.
Complaint sub-issue: Can't use card to make purchases

My Citi card was declined on two purchases in a row. I had not heard from Citi, so I thought this was odd. The only time in the past my card was declined, Citi contacted me immediately and asked if the card was fraudulently used or stolen. 

I contacted Citi and was told they suspended my card as my payment was 4 days late. 

I had set up my payment previously using my bank ( XXXX ). I checked my XXXX bill pay site and found that I'd accidentally set my payment for the wrong week, so my payment was truly 4 days late. 

My complaint is this : I've been a great customer for years and pay my entire balance every month, on time. This was an administrative error, which Citi did not even contact me about to clear up. They simply suspended my account immediately, without recourse. 

When I called Citi to find out what was going on with my account, their automated system informed me " this was a collection call. '' That was how I found out I'd made a mistake on my payment setup from my bank. 

This is ridiculous. I of course will be cancelling my Citi account and have already obtained a new credit card. I am telling all my friends and anyone I know about this - a number of them have already cancelled their cards as well. 

I am one of the fortunate people who is able to pay my bills during this trying time. I do not need to have my credit ruined by a simple administrative error. 

I will never do business with Citi again. 

The form asks about military status and does not have a section for XXXX   XXXX XXXX ( XXXX ). I had to select " XXXX  '' as my status because that is the closest to XXXX on the form. My actual status is XXXX.
Complaint sub-issue: Debt is not yours

I recently checked my credit report on XX/XX/2019, I seen an account that I don't recognize so I called the company XXXX XXXX XXXX and gave them my first and last name. The agent on the phone told me she don't see any accounts with my name. I began to explain to her that XXXX XXXX is showing up on my credit report. I demand that this company remove any and all accounts reporting to the credit bureaus ( i.e XXXX, XXXX, XXXX  ). This company is in volition of the Fair Credit Reporting Act.
Complaint sub-issue: Old information reappears or never goes away

XX/XX/XXXX XXXX XXXX XXXX reported a collection in my credit file on behalf or XXXX XXXX. 

XX/XX/XXXX The account was removed from my accredit reports for inaccurately reporting a paid account. 

On XX/XX/XXXX, I discovered XXXX XXXX re inserted the same INACCURATE collection account on behalf of XXXX XXXX in my credit file. To my understanding the credit bureaus are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive such notification. 

XX/XX/XXXX The account was removed once again from my credit reports for inaccurate reporting. 

XX/XX/XXXX XXXX XXXX XXXX re inserted the SAME INACCURATE collection account on behalf of XXXX XXXX for the 3rd time. Once again, I did NOT receive a notification of reinsertion. 

XX/XX/XXXX, I disputed this account with XXXX XXXX XXXX, they did NOT provide sufficient proof of validation. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA the credit buraus are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

The FOLLOWING derogatory account allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, the infractions are as follows : INACCURATELY REPORTING BALANCE INACCURATLEY RRPORTING DATE OPENED INACCURATLEY REPORTING ACCOUNT NUMBER INACCURATEY REPORTING THE ACCOUT STATUS AS OPEN INACCURATLEY RE INSERTING A PERVIOUS DELETED INACCURATE COLLECTION ACCOUNT NOT SENDING A NOTICE OF RE INSERTION
Complaint sub-issue: Debt is not mine

I have continuously contacted this company as well as the original creditor to advise them that I did not know this debt. To date I have not been able to resolve this issue. I have provided multiple documentations to this creditor providing proof that this was not my debt, without resolve. This is not my debt and I would graciously appreciate it if this was removed from my credit report. This is affecting my livelihood tremendously.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT. THIS IS MY OFFICIAL NOTICE OF CRIME BEING COMMITTED AGAINST ME. UNDER SECTION 605B OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AND IT ENTITLES AN IDENTITY THEFT VICTIM TO CERTAIN IMPORTANT PREOTECTIONS THAT CAN HELP ME RECOVER MORE QUICKLY IDENTITY THEFT. SPECIFICALLY, UNDER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA, AN IDENTITY THEFT REPORT CAN BE USED TO PERMANENTLY BLOCK FRADULENT INFORMATION THAT RESULTS FROM IDENTITY THEFT, SUCH AS ACCOUNTS OR ADDDRESSES, FROM APPEARING ON A VICTIMS CREDIT REPORT. IT WILL ALSO MAKE SURE THESE DEBTS DO NOT APPEAR ON THE CREDIT REPORTS. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THEM FROM MY CREDIT REPORT.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I tried to pay off my loan in one final payment. I checked their website calculated the amount for that date. I made a cheque out for that amount and sent it via courier service XXXX it arrived exactly a day before the date. The cheque seems to have never been cashed and they can't seem to find it now. As it was sent with XXXX I have the name time and date of who signed for the cheque. I have contacted them and they said they are looking into it but this has happened before. As I am international they do not take payments from international accounts or international transfers which is very annoying.
Complaint sub-issue: Information belongs to someone else

I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX COLLECTIONS : INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account status

XXXX XXXX refused to correct incorrect information it continues to furnish to credit agencies regarding a credit card account I closed in XXXX. XXXX XXXX reports an open XXXX XXXX Credit Card with a Revolving Account, an overdue balance, a status of past due, and missed payments. I did open an account with XXXX XXXX briefly on XXXX XXXX, XXXX, but I never made any payments on this account or used it in anyway and I closed the account in XXXX XXXX. XXXX XXXX kept this account open by mistake and mistakenly charged a {$23.00} administrative fee, despite that I had already closed the account and completed all payments. I was able to work with a customer service representative at XXXX XXXX and confirm the account was closed, and since XXXX, I have discussed this matter with other Customer Service representatives over the years, and they have confirmed that the account is closed and no payments are due. I have never received any notice of this account or any bill since XXXX. Yet XXXX XXXX continues to provide incorrect information about this account to Credit Reporting Agencies. This negative information is damaging my credit score. My negative credit score is impacting the rate at which I am able to obtain various loans and causing additional monthly payments.
Complaint sub-issue: Problem during payment process

I have a line of credit with Upgrade Card. My credit limit is {$4000.00}. My balance is {$3900.00}. My interest rate is 29.49 %. My first payment due was {$170.00}. I made a {$170.00} payment on XX/XX/XXXX which has yet to have been applied to my account. When I called the company I was told that {$160.00} of the {$170.00} was applied to interest. 

If my interest rate is 29.49 % then with a balance of {$3900.00} that would mean my monthly interest rate would be about {$98.00}. None of the payment I made has been credited to my acct. I still have a balance of {$3900.00}. The only credits my acct has received is a {$1.00} rewards payment on XX/XX/XXXX and a {$4.00} rewards payment credit XX/XX/XXXX The company stated, when I called XX/XX/XXXX XXXX am CST, that they would forward my concerns to customer advocacy who would reply to me within 2 business days. I never received call and a credit still has not been applied to my account. 

Since my first payment was made the monthly payment ( after I made a complaint ) has increased by {$10.00} from {$170.00} to {$180.00} even though my balance hasnt changed because they never credited my account with the initial payment that was made.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

Bank Name : MoneyLion / XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX, Iowa XXXX Account Type : Checking Routing Number : XXXX I was targeted by MoneyLion via a digital ad to sign up for a new Checking and Investment account with them associated with a 'Pave the Wage ' program. 

Here is a link to program ad : https : //www.moneylion.com/learn/doing-our-part-to-pave-the-wage/ Get 17 % extra pay up to {$590.00} Women typically earn 17 % less than men*, and were helping to close the gap by giving you a 17 % cash bonus up to {$590.00} on your first direct deposit. 

To take part, check your email and MoneyLion app for an opt-in message and set up direct deposit of $ 500+ into your MoneyLion Checking Account. 

On XXXX XXXX 2019 I downloaded app, signed up for accounts on and opted into the promotion when prompted in the app by clicking the offer. 

I then immediately set up Direct Deposit following directions provided within the app and online and starting receiving bi-weekly paychecks to my Money Lion account ending in x XXXX as follows :XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX Further, I called their phone support # XXXX on XXXX XXXX, 2019 at XXXX ET and spoke with a rep who assured me that my account was set up correctly, that I was enrolled in the Pave the Wage promotion and that my paycheck direct deposit was completed. I requested he send me a record of the conversation in writing, however that did not happen. He told me that I should expect to see the bonus post without issue to my account per the terms of the offer. 

Now 5 months after my first successful direct deposit I have not received the promised bonus payment. I again called MoneyLion phone support today ( XX/XX/2019 ). 

The first rep said I was not on the enrolled account list ( despite what the rep on XX/XX/XXXX ) told me and that I was ineligible unless I could send them an email confirmation of my opt in from when I signed up. I told her that I could not send a confirmation as I never received one within the app and did not have access to emails from that far back ( I had to delete to make space ) I called back again on XX/XX/XXXX and spoke to another rep. Who after being notified of the call on XX/XX/XXXX told me that I was ineligible for the offer due to confidential reasons and would not tell me why I did not qualify. I cited the program terms as I understood them per the URL above that is enrollment in app via digital opt in to offer, repeated direct deposits to new account, and rep could not tell me why I specifically didn't qualify despite my understanding that I followed all rules and directions as stated, just that I wasn't on the list. I asked to speak to a supervision and rep said that would do me no good and did not allow me to escalate.
Complaint sub-issue: Information is not mine

XX/XX/2016, I became a victim of identity theft/credit fraud. Someone opened credit accounts in my name. I have since contacted those companies to have the fraudulent accounts cancelled. Yet the credit reporting agencies still show the incorrect information. XXXX shows the fraudulent address used to apply for the accounts. Equifax still shows the credit inquiries for the accounts applied for. Please correct the following information : XXXX - Please removed the fraudulent address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX EQUIFAX - Please remove the credit inquiries for the following companies : XXXX XXXX XXXX and XXXX XXXX Please let me know if you need any additional information. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, XXXX XXXX