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

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : BANK XXXX XXXX XXXX, BANK XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was 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.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts is inadvertently resulting in me being extorted.
Complaint sub-issue: Other problem getting your report or credit score

I HAVE CONTACTED XXXX-EQUIFAX-XXXX  CREDIT REPORTING AGENCIES . ALL 3 CREDIT REPORTING AGENCIES TELLS ME I HAVE NO FREEZES, FRAUD ALERTS OR LOCKS ON MY CREDIT REPORT. MY ACCOUNT ONLINE WITH ALL 3 CREDIT REPORTING AGENCIES TELLS ME THE SAME THING : NO FREEZES, FRAUD ALERTS OR LOCKS. WHEN MY BANK TRIES TO RUN A CREDIT REPORT FROM ALL 3 CREDIT REPORTING AGENCIES, IT STATES ON THE BANK 'S SIDE : XXXXFILE FROZEN DUE TO FEDERAL LEGISLATION. THE BANK HAS RUN THE REPORT FOR 7 DAYS STRAIGHT AND THEY ARE GETTING THE SAME ANSWER. I AM TRYING TO GET MY LOAN FOR A LOT. I NEED HELP PLEASE
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is a hard inquiry on my credit report that I ( XXXX XXXX ) did not inquire about
Complaint sub-issue: Information belongs to someone else

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As  such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/20 I used my citi simplicity credit to withdrawl {$300.00} at the XXXX XXXX at XXXX XXXX XXXX. The casino was having problems with their computer systems and couldn't get the transaction to go through. They tried 4 times to withdrawal {$300.00}. The casino assured me that the transactions did not go through but when I checked my account there were 4 transactions of {$320.00} ( total {$1200.00} ). I contacted citicard immediately and let them know what happened. I have been bounced around to security and the dispute department several times. The credits from XXXX XXXX XXXX have shown up on my credit statement but Citi has charged me 4 more times than they have credited my account. Most of the time when I call there I can not understand the person very well due to the language barriers. Twice I have spoken with someone and they assured me that they see the same thing as I do on my account and they will send this to the dispute department to fix. It is now almost 6 months later and no resolve. I do get emails stating that I'm over my credit limit and need to pay them over {$1000.00}. I'm afraid this is going to hurt my credit but I'm also hesitant to fork over {$1000.00} at XXXX time for a mistake that they won't even contact me to resolve. I have also recently gone to my account on line and all of my statement between XXXX and XXXX are no longer available for me to see. I would appreciate any help that you can provide. 

Sincerely, XXXX XXXX
Complaint sub-issue: Don't agree with the fees charged

Hello, My student loan is currently in default with XXXX. American Education Services is the loan servicer. 

I filed bankruptcy in XXXX. The full amount of the bankruptcy was paid in full in XX/XX/XXXX. 

I realize this is not customary, but the judge put my student loan in the bankruptcy. The total bankruptcy balance was paid in full in XX/XX/XXXX, but was not posted to my student loan account until XX/XX/XXXX. 

XXXX says I still have a balance of about {$5000.00}. The trustee in my bankruptcy case made all payments to my creditors. They said all I have to do is forward my bankruptcy information and it should clear this up. 

I continue to be harassed. My credit score is under 500. 

I contacted the Attorney General in Washington state. They contacted AES on my behalf, but they will not work with them. 

In addition, AES tacked on {$15000.00} onto my loan balance is XXXX. After completing some research, I don't think they could do that. 

My bankruptcy paperwork is attached. 

Thank you for reviewing this complaint.
Complaint sub-issue: Investigation took more than 30 days

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a XXXX XXXX XXXX, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see the items below ACCOUNTS XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX XXXX XXXX {$270.00} not mine XXXX XXXX XXXX XXXX {$360.00} not mine XXXX XXXX {$330.00} not mine
Complaint sub-issue: Personal information incorrect

I have requested that the wrong addresses that do not belong to me be removed from my credit report. I have sent letters and go no resolve on the following dates this year : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax, XXXX and XXXX has not complied with my request I demand these addresses that do not belong to me be removed immediately. 

Equifax : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX TXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX
Complaint sub-issue: Account information incorrect

I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.
Complaint sub-issue: Account status incorrect

Both XXXX and Equifax decreased my credit score within the last week downward by 12 & 13 points. The reasons reported by these agencies was that my credit utilization rate had increased from 9 % to 20 % WHICH IS SIMPLY NOT TRUE.

I have three credit cards ; two with XXXX XXXX ; one with XXXX XXXX XXXX. My credit usage percentage is 9 % as reflected by both agencies own numbers. My total credit available actually increased by over {$2000.00} during the last 30 days to a total credit line between the 3 cards which is {$500.00} + {$950.00} + {$4500.00} = {$5900.00} credit limit. My total debt has not exceeded {$600.00} during the last 60 days, which would put my usage at about 9 %. I KNOW this because I Monitor my accounts daily and I herein challenge their numbers and DEMAND they be held accountable. 

Both agencies reported my credit balances incorrectly. While one card went down, the other went up slightly ; yet the bureaus reported both at their higher value as if they were that amount simultaneously -- which never happened. I invite you to pull my actual daily records from XXXX XXXX and XXXX XXXX XXXX and examine my daily credit balance against my credit line daily. It is not and HAS NOT been at 20 % during the last 60 days as these two agencies would have you believe. These two agencies took the high from two different cards on two different days and reported them as if the occurred at the same time -- which they did NOT. 

Because of their misrepresentation of my credit usage, both of these credit agencies lowered my score as stated above ; which hurts my ability to get loans at a better rate. I want this CORRECTED immediately. AND ... there needs to be some ACTION against such incorrect reporting. 

This is a prime example of the insidious nature in which credit bureaus artificially and purposely lower credit scores of consumers, affecting their lives negatively and without just cause -- except to benefit the financial institutions who Pay for the credit agencies. 

Credit Scores are held artificially low because such practices benefit the financial institutions that use lower scores to charge larger finance charges. 

ALSO, the exact mechanism by which credit bureaus calculate your score is held as a tight secret. Why should this be? There 's no reason to hide this information from the consumer. After all, it is the Consumer that bears the impact of these practices. Consumers deserve to be able to acurately and without guess work understand HOW their score is calculated and to know accurately how they might Positively affect their scores. This needs to be changed and veil of secrecy that only benefits the credit agencies lifted. 

Accurate credit scores could be utilized for the benefit of the consumer and financial institutions. However, scores need to more accurately reflect the overall financial state of the consumer. 

CFPB has done a wonderful job of exposing some of the injustices of our financial institutions relative to consumers and deserves immense credit for that work. I hope that will continue. 

Thanking you in advance, XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I want to raise a complaint against Citibank ( Citi ) regarding a merchant dispute I filed against XXXX ( the Merchant ) in the amount of {$4100.00} on XX/XX/2020 for a vacation that was cancelled on XX/XX/2020. 

On XX/XX/2020 ( twenty-three days after filing the dispute with Citi ), Citi finally updated me via email with news that Citi : 1 ) had heard back from the Merchant, 2 ) would review the information the Merchant provided, and 3 ) would get back to me within ten business days. 

Ten business days passed with ZERO updates from Citi about my dispute. On XX/XX/2020, I called Citi and spoke to a representative who could offer no explanation as to why I had not been updated or why Citi so severely mismanaged my expectations about my dispute over the hefty {$4100.00} sum. The representative simply said she would send an email to the investigator, reminding the investigator to give me the update I never received, and added the turnaround process would take an additional seven to ten business days! As a result, you can imagine my enormous level of frustration and feelings of being lied to by Citi. 

Meanwhile, many others who have experienced the same issue with the Merchant, but used XXXX to book their travel, have already received permanent credits for their disputed amounts. You can read their stories, along with many others who have gotten nowhere about this issue with Citi, within the XXXX group SCAMMED by book it. 

Lastly, I will mention that I have not been asked for any documentation by Citi that will support my claim, though I have plenty. Does anyone at Citi even care? Below are items that support my case, which I will also upload with my complaint. 

1. The Merchants terms and conditions. 
2. A screenshot with today 's date ( XX/XX/2020 ) of the Merchants website showing no refund has been paid. 
3. A screenshot of the Merchants homepage saying they are unable to process refunds and for people to contact their banks for available options as cardholders. 
4. A consumer complaint form with the Texas Attorney General and documentation of filing a complaint with the Florida Attorney General. 
5. Complaint filed with the XXXX XXXX XXXX Police department about the Merchant. 

Do you know what it says on Citis homepage? We are here to help. I do not feel like Citi has helped me at all regarding this dispute. 

More specifically, at https : //citi.com/citi/about/data/citi_commitment_summary.pdf? ieNocache=624, under Citis Commitment, it says , During  these uncertain times, Citi remains well-positioned from a capital and liquidity perspective. We have a strong balance sheet and will continue to actively support our clients and customers through this challenging period.
Complaint sub-issue: Didn't receive notice of right to dispute

On XXXX XX/XX/XXXX AFNI, Inc. reported a new debt in collections under my name to XXXX  Credit Bureau for an amount of {$1000.00}. The original creditor is listed as XXXX XXXX XXXX and the date the account was opened as XX/XX/XXXX. I have not been an XXXX XXXX XXXX customer since XXXX. I have not received any communication of any kind from AFNI , Inc. since this collection has been opened. A debt validation letter was sent to AFNI via certified mail and was confirmed to be received on XX/XX/XXXX. This letter was sent for the purpose of requesting more information regarding this account to confirm whether or not this is a valid debt collection attempt. I have not received any response to the debt validation request from AFNI as of today, XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

XXXX XXXX referred a debt of {$61.00} to a collection agency without notifying me that the debt was ever owed. I logged into my XXXX account via their website and at no time or do this day does it suggest I owed any money. It displayed a XXXX dollar balance. They referred this to a collection agency which never contact me about it either. Collection agency : XXXX XXXX XXXX -XXXX FL XXXX reported this as a collection account for 6 months ( starting XXXX ) to all the credit bureaus without contacting me regarding this apparent debt that I was not aware existed. Negative financial and career impacts from having negative informaiton on an otherwise clean credit history is significant. This item needs to be deleted from all three credit reports as many laws were broken regarding notification of debt and also notification of collection account.
Complaint sub-issue: Debt is not yours

I C systems will not provide information about an account I do not have with XXXX. I have no knowledge of an account with XXXX  being closed on in XXXX. IC systems says a collection account was opened in XXXX for the closed account. They will not provide an account number or anything for me to contact XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have recently obtained a copy of my credit bureau –XXXX credit report.  It showed an inquiry by your company that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so.
Complaint sub-issue: Charged too much interest

I was charged a very high-interest fee ( approx {$200.00} ) on my XX/XX/2020 Home Depot Credit Card Statement, for a Home Improvement Purchase promotion that had expired and I, kindly requested to extend due to the current pandemic, the no-interest promotion ( as have other retailers -Best Buy- done with their store cards, extending without having to request ) but Home Depot has refused.
Complaint sub-issue: Problem lowering your monthly payments

I ca n't lower my payment ( {$50.00} ), had two forbearance agreements on this same loan amount. Not sure how this has effected my credit, my payment amount, or how they did it on the phone with me not signing or me reading any part of an agreement on-line or in hard copy. The amount never seem to go down even when I have made large payment. Now I feel it was not worth even trying to get an education at all due to all this debt it has cause me.
Complaint sub-issue: Report provided to employer without your written authorization

I am getting Discover Credit Card statements with my credit Score on them. 
They use transunion. I confirmed with them that they show my information as blocked and were confused why they were getting that info from XXXX XXXX. They said to call them. 

XXXX XXXX- forced me into a text service for customer support. 
They had no idea how, with a credit freeze, Discover was getting this information. They then asked me for my private info, ( which they're own text service instructions said not to give that over text service. ) So I gave up with them. 
My question is how is XXXX XXXX giving my credit score information to Discover? I have confirmed my credit information is Frozen.

Doesn't Frozen mean Frozen?
Complaint sub-issue: Personal information incorrect

I have been submitting requests for the addresses that do not belong to me on my credit reports to be removed from Equifax, XXXX and XXXX. I have submitted dispute requests for this information to be removed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. each time the credit bureaus did not send me any dispute results or remove the addresses that do not belong to me on my credit report. 

XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Complaint sub-issue: Information belongs to someone else

Someone got a student loan in my name. This is not me and I want it off my credit now.. its over XXXX $
Complaint sub-issue: Account status

In XXXX 2014, I payed off the entire balance and closed my account with XXXX. However since then, my ID insurance company regularly sends me copies of my credit report statement to review, as activity was detected on my financial identity database which informed me of. This activity was not the result of any recent financial undertakings on my part, but due to the transmission of erroneous information being sent to the credit reporting agencies on my credit report summary, of which, Equifax being the only agency to actually publish this erroneous information. Specifically, this erroneous information as transmitted by XXXX, portends that my account is still open and that I owe a balance of XXXX. I will attach supporting documents to confirm the validity of what I have written at a later date.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX, XXXX, and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. 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, XXXX, XXXX XXXX XXXX, XXXX, and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Old information reappears or never goes away

Paid off several credit cards and only have a balance of {$6.00} on another one.

Also, the card with a balance of {$6.00} increased my limit which I haven't used.

XXXX XXXX is paid-off, XXXX   XXXX XXXX is paid-off.

XXXX XXXX Balance {$6.00}, and one item was deleted after which XXXX  dropped my credit score by 43 points, my score was XXXX and should have gone up to XXXX   instead went the other way. XXXX XXXX has been paid off and should be deleted on my report since XX/XX/XXXX, XXXX XXXX should be removed on my report since XX/XX/XXXX and closed, XXXX XXXX   was transferred on XX/XX/XXXX Needs removing. XXXX should be removed from the report since XX/XX/XXXX.

All three XXXX XXXX loans were purchased by another lender should be removed.

XXXX XXXX XXXX was sent a letter asking for validation, they removed But added it back, they didn't validate this debt within the 45-days under the FDCPA, therefore, it should be deleted for good.
Complaint sub-issue: Personal information incorrect

The Credit report should only reflect criminal records according to Title 15 USC 16 81 b2 A. 
There several addresses that are reported that are not correct. 

There are discrepancies because most of the items on the report were not authorized.
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On 07/22/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Information belongs to someone else

I request you to provide me verification from each merchant by affidavit personally witnessing me making any of the transactions on this accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An affidavit of truth. If you can not provide it, then you've failed to conduct a reasonable investigation and are in violation of my rights under the Fair Credit Reporting Act.