Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and 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 XXXX : 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

With many failed attempts of disputing the following accounts, I decided to give it another shot before filing with the FTCA. You and your companies insist that the accounts been verified, but you never once sent me any physical documentation collaborating your claims. Be more specific than just saying account verified. How was it verified, what method of verification did you use, and even moreso who verified this. I'm disputing these accounts again, ( 1 ) XXXX XXXX {$4800.00}, ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX XXXX And if you can not provide me with physical documentation in regards to the above accounts than these accounts shall be blocked from my report.
Complaint sub-issue: Information is missing that should be on the report

In rebuilding my credit after having identity theft last year I was instructed to sign up for new credit card. I signed up for XXXX XXXX card in XXXX. The card showed up immediately on my XXXX, XXXX   and Equifax credit reports starting in XXXX. 

Since XXXX my Equifax report has had no further payment updates. I have made all my payments in full each month since I received the card yet Equifax incorrectly shows I have a balance of {$990.00} which is last month total due which was paid on time. 

For XXXX they show the same balance that has been unpaid. They show I have paid on time for XXXX and XXXX but they are missing XXXX. 

For XXXX they show the same balance that has been unpaid. They show I paid on time for XXXX but XXXX and XXXX is missing. 

I called all three agencies and they told me XXXX XXXX has not been updating their data and I should contact them. 

I called XXXX XXXX and they said they have given all three agencies update data through the end of XXXX. They said I should speak with the agencies. 

I am at an impasse and as of this last weekend my XXXX score dropped by 30 points and my XXXX call dropped 23 point as a result of this miss-information. 

As a result of this miss-information the FICO scores that I have worked so hard to rebuild have been seriously impacted.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several disputes with Equifax. They refuse to remove the in accurate information. I have sent letters, which i attached below as well as spoke with several representatives between the creditors and Equuifax. 

Equifax has an address on file that does not belong to me, not associated with any account reporting. I have disputed twice in the last 60 days alone, XX/XX/XXXX and XX/XX/XXXX. The dispute resolved both time, with the address still reporting. This is not my address, never resided at this address. 

There are several inquiries being reported, that i did not authorize or give permission to the creditors to pull my credit. I contacted Equifax by phone and letter and was informed to contact the creditors directly, so i did so. The creditors did not provide me with any information proving authorization from me to pull my credit. They sent letters stating to contact Equifax to have the inquiries removed. I am being bounced between the creditor and Equifax and no has provided me with any proof or validation. I am not disputing any inquiries i am aware of. I know what i applied for. These companies do not have a right to pre screen or pre approve me for anything i did not agree too. I've asked them all to take me out of their data base as well as opted out of prescreening all together to prevent this from happening again. 

Some of the creditors agreed to remove the inquiries, XXXX XXXXXXXX XXXX ( letter of removal attached ) i sent this letter to Equifax and this account has yet to be removed. XXXX investigated and removed the inquiry. XXXX XXXX, provided me a confirmation number of XXXX XX/XX/XXXX and this account is still present. 

XXXX XXXX pulled my report 3 times unauthorized. They sent me a letter with a name that is not even mine, XXXX XXXX. My name is XXXX XXXX. stating they received a application via internet website. I have no idea what this company is. I never applied for their services, where is the application? they can not provide it! 

XXXX, I never applied for a credit card with their company. Yes i have a free XXXX XXXX account as do most people in the country, but I never applied for credit with them. They too unable to provide proof of application. 

I sent all this information to Equafix and they are doing nothing about it, these accounts are still present on my report. 

I attached all of my communication with Equifax and the Creditors for your review. 

Please also note that i was a victim of the most recent Equifax Security Breech as well.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry : XX/XX/2020 ; XXXX XXXX Inquiry : XX/XX/2020 2020
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Talked to a third party about my debt

This account had originally been around {$4000.00} (? ). My husband had been helping with this payment for while at an agreed upon {$150.00} every month. He then stopped helping me and we do not share an account so I do not have access to any money other than what I receive from XXXX ; which is n't enough to pay my bills. I have not been able to work since XXXX 2011 due to multiple debilitating health issues including XXXX. I tried to explain this situation to the hospital via phone and in writing. I continued to make payments albeit not every month, but I told them I could pay a much smaller amount then the {$150.00}. I expressed that I was concerned about the situation and that I wanted to pay it off so they could receive what was owed and I could protect my credit. After my last note to them I never heard anything for months. I was n't sure what was going on and I suppose I optimistically and foolishly hoped that perhaps they wrote the account off since at least XXXX had been paid and also due to the difficulty of my situation. I had testing done the other day at the hospital and while scheduling this over the phone this was mentioned. I attempted to explain the situation again and was told I could set up plans to make a new payment plan. Instead, I found out through XXXX XXXX that I had been turned over to collections. I do n't really fair this was fair as I was trying to work with them, but could n't afford to pay what they wanted to my financial, marital, and health situation. I did not see any notice indicating I was being turned over to collections. and this was going on my report.
Complaint sub-issue: Debt was result of identity theft

My identity was stolen, and a account with XXXX was opened without my knowledge. in result a collection was placed on my credit report.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/2019, I contacted Citi because I did not receive my credit card bonus for signing up for an Aadvantage Card at the following link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see, the link says you are not eligible for the bonus if you have had the card in the previous 24 months. 

After not receiving my bonus offer, per the terms of the website which Citi controls, I contacted Citi because they had not honored the advertised offer. 

Citi advised I was ineligible because I had opened and closed a business card within a few days. I advised this was not the case. I was instructed to contact the fraud department, which I did on XX/XX/2019 when I spoke with XXXX. The fraud department determined I was correct, that I never opened a business account and closed it within several days. I confirmed the same to Citi. 

On XX/XX/2019, Citi said they would have the issue promoted for review. 

On XX/XX/2019 Citi conceded to me in an email, that I would receive the XXXX bonus miles, per the language of the offer on the website, within 2 billing statements. 

On XX/XX/2019, having not received the bonus, despite Citi advising they would deposit the miles, I contacted Citi inquiring as to why. 

Citi advised I was ineligible to receive the bonus because I had a previous card opened within 48 months, which is contrary to the information and language posted on Citis website, at the link above, which I relied upon when signing up. 

I advised Citi of the previous email I received, but Citi refused to honor the language in their own offer, after Citi had already conceded I was correct in the XX/XX/2019 email. 

All I am looking for Citi to do is follow through with what they told me they were going to do, after I spent countless time going over this issue with them. 

At this point, I feel defrauded.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am trying to get my free annual credit report. Equifax is the only one that wont let me access online. I have sent in my I'd and social security card in with the proper information and they always say they cant identify my info. I have tried this 4 times. They tell me to do the same thing over and over which I do. Then when i do that they say the same thing saying they cant identify me. This problem has been going on for 4 months and i am beyond frustrated and in desperate need of this.
Complaint sub-issue: Account information incorrect

Equifax is preventing me from submitting a dispute online. Equifax has also blocked me from creating an account online to submit disputes, check status of disputes, or access my credit report. I have called numerous of times and been given the run around. I believe Equifax is retaliating against me because I have reported them to the CFPB. 
In addition, Equifax is reporting the following accounts incorrectly which is impacting my ability to purchase a home : Collection Account is listed on my credit report for a paid medical bill incurred by my ex-husband for our child. 

1. Collection Account - XXXX XXXX XXXX XXXX XXXX ( Paid ) I've repeatedly disputed the reporting of this account. This collection account occurred as a result of health insurance not covering the charge incurred by my ex-husband. I am the primary on the health insurance only. Please remove it. 

Additional Inaccurate Reporting : Balance incorrect for the following accounts - 1. XXXX XXXX XXXX XXXX - {$2000.00} ( Acct # XXXX ) 2. XXXX XXXX XXXX XXXX - {$1000.00} ( Acct # XXXX ) 3.  XXXX - {$0.00} 4. XXXX XXXX XXXX XXXX XXXX - {$0.00} 5. XXXX - {$0.00} 6. XXXX - {$0.00} 7. XXXX - {$0.00} 8. XXXX - {$0.00} Unauthorized Inquires ( PLEASE REMOVE ) XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I'm having problems with the credit bureaus processing my dispute from my identity theft case.
Complaint sub-issue: Problem making or receiving payments

I was contacted a couple of months ago by XXXX XXXX at First Tennessee Bank telling me that the bank needed to change the name on my business account to reflect more accurately the type of business I was now in. I told her that my company name was XXXX XXXX XXXX and that was what was registered with the Secretary of State of Tennessee. It also was what I had registered with the Internal Revenue Service, it is what is printed on my checks, and it is the name that my continuous bond is registered with U.S. Customs. I told her the bank could not change the name of my account from it's legal DBA name. I then received an unsigned letter last week from First Tennessee Bank saying that I had agreed that First Tennessee would have the authority to terminate my account. I certainly never agreed to allow the bank to close my account without cause. I believe my account was opened in XX/XX/1994 so I can not recite the exact terms I agreed to and they furnished nothing in the way of documentation, what terms I agreed to when I opened my account. I realize that banks find small business probably more of a nuisance and so are not big on providing them customer service but I have always maintained my account in good order. Being a XXXX XXXX XXXXt and also have my XXXX degree in XXXX I do know that a bank can not force companies to change their name on their account to something like " Guy who sells stuff on the internet '' when his legal DBA name for the corporation is XXXX XXXX XXXX. Either this is an attempt to harass small business into closing their accounts or the bank is actually going to change customer bank account names from the name under which they do business. Either would certainly exceed the authority a bank has over my money. This has caused me tremendous damage both in time and angst in having to relocate my account and also being told that I can not talk to someone in compliance because they don't talk to customers. I am therefore wishing to file a formal complaint against First Tennessee Bank. I will be happy to furnish whatever documentation you require. 
I have also filed this complaint with the Office of the Comptroller of the Currency and will be filing with the XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Hi. 
I sent dispute letters to the credit bureaus because they are reporting inaccurate information that is ruining my credit. 
I want the inquiries that I didn't authorized and negative accounts that shouldn't be on my report remove.
Complaint sub-issue: Account information incorrect

I'm filing a complaint on Equifax, XXXX and XXXX XXXX. I sent Equifax, XXXX and XXXX XXXX a XXXX letter disputing information on my credit report and asking them to show me proof of the information on my credit report is accurate. The letter was sent back in XXXX dated XX/XX/2022. Under the federal law they have XXXX days to complete an investigation and XXXX days to let me know what information they have found during there investigation. It has been over XXXX days and I have not receive a response from Equifax, XXXX or XXXX XXXX. I've sent them a XXXX day to comply letter and I have not receive a response for that letter either. Below I have attached a copy of the XXXX letter and the XXXX day to comply letter.
Complaint sub-issue: Debt was result of identity theft

To whom it may concern, 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 INACCURATE and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and 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 Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Complaint sub-issue: Contacted your employer

I submitted previous case number : XXXX last year. Arrowhead advance said that my account was satisfied in full and they would stop calling and harassing me. I have received several phone calls at my workplace, including one today that I have in the form of a voicemail attachment, showing that they continue to contact me.
Complaint sub-issue: Debt was result of identity theft

I am a single mother that has recently tried to purchase a home. i was denied because of negative accounts on my credit. Which what made me to see my own credit report to see fraudulent an unauthorized accounts on my credit.
Complaint sub-issue: Account information incorrect

I retrieved a copy of my credit report and found a new collection account listed. Jeff Cap Sys hasn't contacted me via email nor mail to inform of this new account which is a violation of the fdcpa law. Also, they are reporting a monthly obligation of XXXX on a collection account with a balance of XXXX which I have never spoken with this company to agree to any type of monthly obligation. I've requested Jeff Cap Sys to validate this file showing I owe the amount they're reporting to my credit every month but I haven't received a response. I don't owe this debt and this company is intentionally breaking the law by reporting a monthly obligation for a collection account. I'm needing assistance with holding this collection agency accountable for breaking several consumer reporting laws. You can not report a collection as an open account with a monthly obligation and you guys won't validate.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX This inquiry does not belong to me
Complaint sub-issue: Problem with convenience check

The month of XX/XX/2018, I received checks from Sears Mastercard stating that I could use the checks for a balance transfer. I sent one of the checks to pay off another account. In 2 weeks, I checked the account to make sure it was paid off, and it was not. I called Sears Mastercard, and they argued with me telling me it took 2 wks turn around. I waited the 2 weeks, and still nothing. I called Sears again and told them, I was going to find another source to pay off the card as I only had one week to avoid their deferral interest charge. They told me they would stop payment on the check but charge me XXXX dollars for their inconvenience. Sears told me the slowness of the US mail was not their fault. I told them it was not my fault either, but they would not stop payment on the check. Ten days later, the card I was paying off received the check, and I thought everything was fine, but Sears said the check reached its expiration date, and they would not use it. Now I have a {$600.00} charge from the credit card to be paid off, as well as a bounced check charge. I will never use a Sears Credit  Card again, and will stop purchases at Sears for using the services of XXXX.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

Cash App : XX/XX/19, XX/XX/19, and XX/XX/19 Im very upset about cash app team that closed my account while I have the available balance that I need to get the money out for me to pay my bills and now im Stuck with no way to transfer or sent money to someone to withdraw money for me while card blocked. It need to be unblock the card and my options that they need to set up a live customer support for repairs and disputes and other like tech to use phone call and live chat. I been struggling to find a customer support to communicate more fester email take forever to reply and I havent got my questions answered by the team, they have no rights to ignore my situation. 

So now I need the card to be unblock it so I can use my debit card which Its not expired yet. I need to have card back on today for me to withdrawal money. 

Another reasons they should give us few days warnings before close the account so customers included myself will know and be prepare for next step to transfer or repairs for the accounts. 

All of prepaid companies need to do same and change the policy and have a customer service XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

My credit card was used at Florida where I never been there. Here are the details : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX FL {$400.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$240.00}
Complaint sub-issue: Their investigation did not fix an error on your report

CRA refuses to remove fraudulent items even after FTC AND POLICE REPORT was sent over.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  ) : XXXX, XXXX XXXX ( XXXX XXXX ) : XXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt is not mine

I have been looking thru my credit score and i have notice i have several different claims that am not aware or have ever open a cell phone with XXXX. and still they report that i owe them $ XXXX.iam trying to fix this so i can continue with my life and hopefully fix my credit.