Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Credit reporting agency will not remove this fraudulent account ( XXXX   XXXX  XXXX  $ ) This was a fraudulent account. I do not have XXXX, this has been wiped off my report and continues to reappear even though I provide evidence that this was ID Theft. I will upload my report with the CFPB. I have disputed it a couple times each time submitted the pertinent information to prove it is ID Theft. The credit Bureaus will not remove it and continue to update the derogatory each month along with keeping the balance.
Complaint sub-issue: Can't close your account

After posting a final payment in the Citibank credit card online portal ( XXXX ) to cover the balance of my account and all pending charges, I opened a chat session to request the account be closed at the conclusion of charges and payments posting. A customer service representative ( name XXXX ) responded acknowledging the chat session. Immediately with no delay XXXX requested whether I was still there. When attempting to respond to XXXX the chat window was no longer accepting keyboard input. XXXX then quickly asked if I was there and to respond or he would have to close the chat session, not even having provided sufficient time to seemingly be a delay in my responding. The chat session then closed. I verified in the same browser tab ( outside the chat window frame ) that keyboard input was being accepted. I verified in another browser tab that I was able to type in another web site name to open that web site. And was also able to type keystrokes in a text editor. I then attempted to open another chat session to make the same request to close the account. The new chat session would not accept keyboard input so I could not request closure of the account. It seems likely that keyboard input was locked out of the chat session to prevent a response for confirmation of the account closure.
Complaint sub-issue: Personal information incorrect

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Complaint sub-issue: Other problem getting your report or credit score

credit score is not pulling up also, inquiries does not belong to me XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals
Complaint sub-issue: Their investigation did not fix an error on your report

I have 4 collection accounts on my Equifax credit report from a company called XXXX XXXX XXXX DBA XXXX XXXX XXXX. I entered an agreement with XXXX to have these accounts deleted off my credit report since they were paid in full. XXXX sent me a letter that they have submitted for deletion to Equifax on all 4 accounts. I sent the letter from XXXX to Equifax myself showing them XXXX filed for deletion on the accounts. Equifax has refused to remove them even after 2 investigations and documents being provided to them from XXXX. All Equifax does is say they have updated the collection balance to XXXX and taken the letter i provided from XXXX showing they want accounts deleted and post it as my consumer statement and the accounts stay on my credit report. I have contacted both companies numerous times and gotten cooperation with XXXX but not with Equifax. XXXX has done all they can by providing a letter and submitting for deletion to Equifax with no results. I sent the same information to XXXX and XXXX credit agencies and they promptly deleted the accounts off my report with them. Meanwhile my credit score is severely affected while trying to buy a home for my family. Equifax has said my only option left is to contact CFPB and so that is what i'm doing. Please help.
Complaint sub-issue: Information belongs to someone else

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and are impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. 

The following two accounts that need to be removed are XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am upset that my credit file has never been corrected I've already informed you that my report has inaccurate accounts and unverifiable information.
Complaint sub-issue: Other problem getting your report or credit score

I have a Costco Citi Bank Card and requested a credit increase. To do so, I was required to unlock my frozen credit. The first XXXX times, I was requested to unfreeze XXXX. I did so, and was told the credit was frozen. On XX/XX/2022 Citi told me to unlock XXXX which I unlocked for XXXX weeks. I again received a denial because my credit was locked and needed to unlock XXXX. I called on XX/XX/2022 and spoke with XXXX with Citi. She requested I unfreeze my credit with XXXX. I unfroze my credit until XX/XX/2022 and requested she make a follow-up call. 

XXXX called me today, XX/XX/2022 and said my credit was frozen with XXXX and it was my problem. She tried 2 times with her back office and both times it was shown as blocked. XXXX refused to escalate the problem with Citi. I verified on the XXXX site that my credit was unfrozen. XXXX is unreachable.
Complaint sub-issue: Information belongs to someone else

I reached out to XXXX ( XXXX XXXX XXXX, XXXX, GA Phone : XXXX ) in XXXX of XXXX because there was an inquiry on my credit report. The person I spoke to said there was an inquiry made, a card was offered but was not accepted. I explained I have never heard of them, was not interested in a credit card and this was fraudulent. The customer service rep said that everything was " deleted '' and that it should come off my credit report. I then on XX/XX/XXXX filed another dispute which came back as " inquiry is a factual record of file ''. 

On XX/XX/XXXX I called the fraud department at XXXX and spoke to " XXXX '' who said the same thing, put me on hold and then came back and said we refuse to do anything about it. 

I want my report clean of this fraudulent company and ask that they be sanctioned for not following Fair Credit guidelines.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a complaint requesting that CREDIT BUREAUS reinvestigate the disputed Accounts from my credit report as well as correct these following Accounts : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$7500.00} from my report. As of this date, XXXX, Equifax and XXXX have failed to respond to my request. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law
Complaint sub-issue: Information belongs to someone else

I signed up on the Equifax application to view my credit report and to my disbelief Ive been impersonated in which someone has opened or attempted to open several accounts in my name without my consent. This is completely illegal, i have reported it to my local precinct however was told i will also need to report it to the FTC and credit bureaus. The following account was not authorized by me and is Fraud, XXXX XXXX XXXX. Ive also never applied for anything as i am new to credit, so the following inquiries are also Fraudulent, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX Please remove this fraudulent information from my credit report.
Complaint sub-issue: Information belongs to someone else

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX # XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; XXXX, XXXX ( Original creditor XXXX XXXX XXXX  ) XXXX Date opened : XX/XX/XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXXXXX Inquired on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted in accordance with the law. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The Identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Funds not received from closed account

I closed my checking and savings account with CitiBank at the end of XXXX of 2021. There was a balance of {$10000.00} and I agreed to have CitiBank mail me a check with the balance. The representative said that it will take between 10-15 business days to receive the check. Five phone calls and two months later, I still have not received my check. I spoke with multiple representatives and their supervisors, but they can't resolve this issue and do not offer any alternative to sending a check.
Complaint sub-issue: Information is not mine

The issue reported is a wrong name spelling. My maiden name is XXXX not XXXX. My last names have been XXXX ( maiden ), XXXX, XXXX, and XXXX. I am requesting this to be fixed so I can get into a home!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I filed an complaint with XXXX credit first regarding an inquiry found on my credit report from them named XX/XX/XXXX/XX/XX/XXXX and told them I didnt authorize this inquiry.. they then went into their record and in fact didnt find any information of me applying for a XXXX credit card. I filed a dispute with Equifax back in XX/XX/XXXX & its been approximately 90 days from that date since I filed.. and after sending them proof and personal documentation, theyre STILL refusing to dispute this fraudulent inquiry off my credit report and saying they havent received anything from XXXX credit after it reached the 90 day mark.
Complaint sub-issue: Banking errors

We wrote a check on XX/XX/XXXX to XXXX for {$57.00}. It was stolen either from the post or XXXX. The check was then forged for {$5800.00}. Citibank cleared the check. We noticed the error during regular accounts checks and reported the crime on XX/XX/XXXX to Citibank. The check was clearly a forgery as all our checks are purchased from Citibank and have Holograms, this one did not have a Hologram. Also the check was written out in English and XXXX which we have never done. We were informed the process could take up to 90 days but they would credit us the funds and then investigate. This was never done. We visited Citibank and called them on a number of occasions and we were always told that the funds were not replaced as they were still investigating. But we should not worry as they were sure to replace them. We received a letter Citibank saying they will not replace the funds as the signatures matched. We lodged a dispute with Citibank against this decision.
Complaint sub-issue: Privacy issues

At the present time I am conducting an investigation because I have been a victim of identity theft. During the past few months I have received several phone calls from Discover for a past due balance. It has been almost about 10 to 15 phone calls a day. I found that persistence very unusual and concerning. At one time I had spent about 25 minutes with a Discover representative and as soon as I hung up I received another call from a representative allegedly from Discover as well who did not verify the account nor asked any security questions to protect my privacy. I also found that Discover had different phone numbers to contact me that were incorrect, I requested the representative to inmeditately remove the wrong contact numbers. 
As I am currently struggling as a victim of identity theft and my credit has plummeted, I am reviewing everything in order to recover. Discovers actions are not compliant specially after so many issues affecting customers privacy and identify protections.
Complaint sub-issue: Account information incorrect

Good morning, on XX/XX/2019 I send a dispute letter to the Credit Bureau Equifax. I always send my dispute letters with proof of the reasons of my dispute. This is not the first time I have disputed these accounts with them, but the funny thing is that with this last letter they never answered me back. The good thing is that I always keep my Return Receipt in case things like this happen to me. All the accounts that I am referring they have one thing in common, inaccuracies information.
Complaint sub-issue: Problem accessing account

I was informed the week of XX/XX/2020 that might count has been in active. I had called the company and they had told me to send in my paystub a form of identification and my Social Security card. I had sent all of these items XX/XX/XXXX I called probably about A week later to see what was happening with my account because nothing you know was changed then the lady informed me that I need to send the C ID number with that is tied to my card but they did not tell me that when I had called the first time so then I send all the information again with my C ID number then I give a called again the following probably week and a half or so away whats up my account all the images are too little we cant see them can you send it again so I sent the information thats very important information my of identification to them and they couldnt see it so I sent them one more time and then they had bothered to say oh can you send it one more time in 200 or 300 % so we could read your form identification I did this XX/XX/XXXX I called today give me five business days so they could receive the fax and I am informed once again that I need to send my form of identification one more time plus my fiancs information where as I told her why didnt you guys tell me this from the beginning she answered I dont know they should have told you this is been in your this has been in your account since XX/XX/XXXX that I needed to send information of my fianc which does not make sense because he has nothing he is not in the account this is my account I am the account holder. Every time I call they give me another task at hand where it should just have been said from the beginning every time I call its something new Ive been dealing with this issue since last year XXXX I couldnt do a lot of things because I have so much money on this account that dont have access to. Now they said I have to send my information again and my fiancs information. I do not have a problem sending this information but this would be the sixth time I send very important at information without anything happening to my account.
Complaint sub-issue: Problem with personal statement of dispute

I have attempted unsuccessfully with XXXX and XXXX on a number of items that they claim to be valid/verified. Yet, they both have yet to present requested verifications by or through original purchase agreements with credit collection companies, to provide valid contractual agreements with said collection companies, to provide proof of signature, who original creditor is/was. Related information such as first payment made, last payment made, when did consumer transactions begin, what legal grounds do collection companies have to report negative items with no prior consumer notification. 

XXXX and XXXX are both liable for reporting such matters on consumers reports due to lack of professional responsibility or accountability damaging and causing due harm financially, professionally and reputation to consumers. 

XXXX. Both reporting agencies have myself XXXX XXXX XXXX listed with XXXX other names stating after XXXX disputes online, telephone and as well as certified mail stating it is impossible for there to be XXXX of me. 
Names they both claim to be valid and or verified : XXXX XXXX XXXX. with an XXXX '' at the end of XXXX. 
XXXX XXXX XXXX as well with an XXXX ' at the end of XXXX. 
As you can see this is ridiculous and as well as insulting to me both Race and Ethnicity with XXXX customer service rep from XXXX stating well isn't the same? 
That is flat out discrimination. 
XXXX. Both agencies will not remove addresses that I have requested removed as they are incorrect, invalid, unknown, etc. and to add to that as an example. They have me listed as living or lived in Tennessee of which I never have yet they insist its valid or verified. 
XXXX. Phone numbers assigned to me which never have been or are inaccurate. Yet they still insist on claiming and denying my repeated disputes XXXX times. 
XXXX. Reporting information as accurate, verified and validated through other XXXX party agencies and insisting I am making disputes on information, items though no undisputable presentments are made. 
Example : reporting collections from XXXX and XXXX and XXXX and XXXX though no definitive criteria can be presented as definitively linked to me. 
Reporting XXXX dismissed bankruptcy XXXX XXXX month apart as mine though no information is reported from the Federal Bankruptcy Court is publicly reported and especially reported with " Full '' soc. sec. #. 
Items discussed have been disputed under15 U.S. Code 1681a- ( 2 ) ( I ), 15 U.S. Code 1681b- ( a ) ( 2 ), 15 U.S. Code 1681c ( a ) ( 5 ) All of which have been blatantly disregarded, ignored, with no regard to ones rights under the Accuracy and Fairness of Credit Reporting .

I Thank You for your time and effort in helping to correct and make right of this matter. 

Sincerely, XXXX XXXX
Complaint sub-issue: Information is not mine

quifax, XXXX, and XXXX are reporting XXXX XXXX account that was apart of Identity Fraud XX/XX/XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX paid out a Identity Theft claim for the XXXX account for Identity Theft. I have know knowledge of this account being reported. Requested the XXXX Credit Bureaus to provide physical documentation mailed to me, to support this account without any documentation sent to me. I have to confirm the Credit Bureaus physical documentation with the XXXX claim documentation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX and Equifax has many unauthorize inquiries and negatives reporting that is hurting my credit scores and opportunity to achieve a VA Home Loan to  purchase a home in California. 

Here is a list of Unauthorize inquiries from all three major Agencies. 
( 1 ) XXXX displays 1.XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX Via XXXX XXXX 4.XXXXXXXX XXXX via XXXX XXXX 5.XXXX  XXXX XXXX 6.XXXX XXXX  XXXX via XXXX XXXX 7 XXXX XXXX XXXX XXXX. 

( 2 ) Equifax, 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  5.XXXX ( 3 ) XXXX. 1.XXXX XXXX XXXX 2.XXXX  XXXX  XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX 6 XXXX XXXX/XXXX XXXX XXXX 7.XXXX XXXX XXXX. 

I am XXXX, XXXX XXXX. Very Urgent Matters on my credit scores and my credit to be in prosperity and Innovation.
Complaint sub-issue: Information belongs to someone else

Equifax data breech victim and fighting to have negative items removed. Please hold XXXX, equifax and XXXX responsible to remove fraud information. The below accounts must be removed by all agencies. 
XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.