Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: No notice of investigation status/result

Please help I have done my best to contact Equifax about the fraudulent items on my credit report. The refuse to acknowledge my request. I need your help to have them full fill the request. I read on my local police departements website that I should speak with you if Equifax does not comply. XXXX and XXXX XXXX XXXX are accounts that have come onto my credit file as a result of identity theft. Please remove these items. I am making this complaint against Equifax because they will not help me as is required by law. 

I will attach the same items I previously sent Equifax that they blatantly ignored.
Complaint sub-issue: Inadequate help over the phone

Hello, There were XXXX credit card accounts that I recently opened in the last few months which are reporting to the other XXXX credit bureaus but not to Equifax. I 've reached out to XXXX creditors to confirm that my new account information was sent and also received notification that they were reporting monthly to Equifax but again the accounts are not showing as of today. I also reached out to Equifax on numerous occasions requesting an update or to see if their system was reflecting the new accounts and only to be told there is nothing showing yet. I talked to someone in their Executive Customer Escalations Unit to request a full review of my file to see what is preventing the accounts from showing. However, Equifax is responding that the creditors should contact their Business Relations Customer Service unit which is not possible since they are sending statement information and monthly account updates. This is hindering my credit worthiness and preventing credit decisions since majority of merchants use Equifax in my area. 

The accounts that are reported to Equifax but they will not update on my profile are : XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet and it has been 45 days. Please remove these items that were originally disputed on the date above from my credit report that were originally disputed with the company.
Complaint sub-issue: Information belongs to someone else

I have these accounts that does not belong to me and want them to be removed from my credit report asap. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft THD/CBNA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft MACYS/DSNB Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXXXXXX XXXX  Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft THD/CBNA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BEST BUY/CBNA Account Number : XXXX This is not mine. 

5. Identity Theft MACYS/DSNB Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, a fraudulent charge in the amount of {$73.00} was charged to my Shell Mastercard ( Citibank ). I immediately made a call to Citibank and attempted to put in a fraud claim, and the representative told me I needed to wait until the charges cleared to take any action, and could not even deactivate my card. The web portal would also not let me report my card as stolen at this time. Believing the representative, I let it be. 

On XX/XX/XXXX, a second fraudulent charge in the amount of {$350.00} was charged to the same card. I ( again ) immediately called Citibank to report the issue. The representative I reached this time was able to initiate a fraud claim and deactivate my card, as well as temporarily reversing the charges pending investigation. 

On XX/XX/XXXX, Citibank reached out, but I have not been able to return their calls due to the opening hours of their Security Operations department ( XXXX M-F ). On XX/XX/XXXX, I attempted a call, but I was then informed of their hours and was unable to proceed ( the XXXX is a saturday ). 

On XX/XX/XXXX, this fraud claim was denied, with no evidence provided as to their decision. I placed a call to Citibank to attempt to escalate or resolve the issue, but they informed me the department in question ( Security Operations ) is not open and could do nothing whatsoever.
Complaint sub-issue: Account status

SHOWS LATE PAYMENT ON ACCOUNTS THAT ARE CLOESED.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX  account # XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX ran my credit without my permission.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, Amount {$90.00}, but original balance is {$100.00}. XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

In XXXX I returned school uniform clothing item to XXXX XXXX store. When I returned the items the refund could only go back on the card that you originally used to purchase the items. I tried two of my bank cards, which was not accepted and then I tried my US Bank Relia Card and it was accepted for the return. 
In XXXX, my daughters father made a XXXX XXXX payment of {$50.00}. I was alerted that there was money on my card. Later that day I went to make a purchase and my card was denied. I call US Bank Relia Card and the sated that my card was locked because of a return. They accused me of fraud because they could not find the original purchases on my card from the uniform store. I was told the only way they would release my funds was to send a copy of a receipt showing that I purchased the items or have the company take the funds off the card and give me a refund in a different way. I explained to the Relia Card that I made the purchase a year ago at different times and could not find the receipts. 
I called the store and explained what was going on. They stated that they changed system and that there was no way for them to go back a year ago and look for each individual receipt. They also stated that there is no way they could take money off of a card that has a hold on it. 
The only thing the uniform store was able to give me was a copy of the return receipt. I did a three way with US Bank Relia Card and XXXX XXXX store, we spoke with a manager and explained the matter. The manager stated that she understood and for XXXX XXXX to fax the return receipt and she was going to send an email to corporate explaining the circumstance so they could release the funds. She also, stated that she would following up with me on Monday because corporate office was closed for the XXXX XXXX   XXXX holiday. I never heard back from the supervisor. 
I call a few days later and asked to speak with another supervisor and she stated that the only way they were going to release the funds is if I could prove that I purchase the school uniforms because they dont see where I ever purchased the uniforms. I asked to talk to someone in corporate and was told that what she was telling me was coming from corporate. I asked if I could talk to someone at US Bank and was told that US Bank does not regulate them and they have their own policies. Again, I was accused of fraud. 
I have had my US Bank Relia Card for 14 years and never had any issues when I returned items that I bought with my card. I have never been accused of fraud in my life and I dont have a criminal record. As a single mother, this matter has been stressful, has affected my health and my ability to pay bills that meet our basic needs. They are keeping {$530.00} money that has nothing to do with the issues which is causing me financial difficulties. In total they are keeping {$720.00} of my money and have illegally accused me of fraud. I have call the Oregons Child Support Department and they stated that it is illegally for them to keep my XXXX XXXX payments and not make them available to me.
Complaint sub-issue: Problem with customer service

It is time for me to recertify my Income Driven Repayment plan for my student loans. I submitted my request on XX/XX/2018 and I was told I would receive a follow up email a month ago, each day the due date keeps getting pushed back. Now I am supposed to receive email on XX/XX/2018. I haven't received an email. I've asked them what is going on, and haven't received a reply. 

Please help. Thank you.
Complaint sub-issue: Other problem getting your report or credit score

Please reinstate my SSN as alive. It is : XXXX. It has been listing me as deceased. I am very much alive. My XXXX XX/XX/1986. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

I have been a customer of TIAA XXXX  for several years. Every time I make a deposit they hold on to my money for a full week before releasing the funds for me to use. This has happened numerous times. My e-mail messages to TIAA XXXX  employees including to their Risk Analyst XXXX XXXX and to their CEO XXXX XXXX have been ignored. They have promised many times to look into this and call me back but have never kept that promise. They are now holding on to {$820.00} of my money since XX/XX/XXXX due to a charge request from XXXX and are ref suing to release it until XX/XX/XXXX even though XXXX has released their charge request because I had canceled my order. This is not only infuriating and irregular but possibly illegal.
Complaint sub-issue: Account status incorrect

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX-Date of Inquiry XX/XX/202XXXX XXXX
Complaint sub-issue: Account status incorrect

I Closed account with consumer in XX/XX/2019. I ordered furniture from a merchant who delivered the wrong items. I contacted the store associates and managers about the wrong items being delivered to me and was told I will get the correct order delivered within 2weeks. After 2 weeks passed I contacted the funiture store and was told to contact XXXX. XXXX was not helpful and told me that The account would be closed but I would not get any refunds. XXXX is still reporting inaccurate information on my credit reports.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Debt was paid

I recieved a call from XXXX XXXX XXXX XXXX ( XXXX ) XXXX concerning a debt from XXXX XXXX XXXX in 2010. He represented himself as a lawyer contacting me on their behalf to collect. I informed him that i had paid this debt and explained this to others that have contacted me concerning this matter. I also informed him that i have in my possession a paid in full letter that could be sent if he mailed or emailed me confromation of who he was and the business that he repersented. He then became rude and stated that he would not mail or email any corospondiance to me and would take this as a refusual to pay and would see me in court. I stated to him that i had visited the establishment that was said i owed monies and was told by its employees that i had no account in their system. He then responded that he would just see me in court seeing i was refusing to pay and hung up the phone. I have contacted my legal represenitive and forwarded this same information.
Complaint sub-issue: Information belongs to someone else

This is not my account, please delete : XXXX XXXX # XXXX
Complaint sub-issue: Debt is not yours

Equifax is continuing to report errors and inaccurate information on my credit Report from the collection agency XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX on three separate accounts. 

Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 

It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher XXXX XXXX XXXX XXXX ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
Complaint sub-issue: Information is not mine

I am a victim of identity theft. The following accounts are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court. The following inquiries are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

Title Max in XXXX has made numerous attempts to collect a debt owed to them by a woman with the same name on a vehicle I do not and have never owned. The only commonality we have is our names. She has a different birthdate, address and last XXXX numbers of her social. They have left notices on the rental house I own and a family members address which I do not live at. After speaking to them ~6 weeks ago I was assured that they would remove my addresses from their system and I would not be bothered again. 
Today a tow truck company they subcontract showed up to the house I rent and live in to collect the vehicle. " XXXX '' in XXXX claims they got this address from Title Max. I spoke with Title Max again and they claim they do not have my current address anywhere in their system and they do not know how XXXX got it. 
At this time I am being continually harassed by Title Max and their subcontractors over a debt I have never had with them. I believe they used my name and Google to try and find the woman who has outstanding debt with them. I am concerned that they will show up to my place of work or other family member addresses and continue to harass me. 

Title Max in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXXPhone ( XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Attempted to collect wrong amount

Reporting fraudulent information. Amount owed, date opened. Account age, collection payment history.
Complaint sub-issue: Delay in processing application

On or about XX/XX/2018, I receive a letter from Citi Bank stated that they were unable to locate my application for XXXX XXXX XXXX Visa card ( please see attachment Citi Card Letter ). Citi bank also request my application ID number on decline letter. 
On or about XX/XX/2018, I provide the Citi Bank with my application ID number on decline letter ( application id XXXX ) via email ( please see attachment ) On or about XX/XX/2018, I contacted citi Bank to ask about status of of my case. 
Until now, Citi Bank refused to give me any answer. 
I believe Citi Bank discriminates against me because of my race XXXX, Nationality origin XXXX, Sex XXXX, Age above 40, and Exercising in good faith my rights under the Consumer Credit Protection Act ( I filed complaint against Citi Bank to Consumer Financial Protection Bureau Case # XXXX )
Complaint sub-issue: Account opened as a result of fraud

In the first week of XX/XX/2021, I received an unsolicited MoneyLion Mastercard debit card ( XXXX, powered by XXXX ) that included a direct deposit form, account number, my name, a routing number, and an account number. I did not apply for this card. I have never heard of this institution.