Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

RE : EQUIFAX PARTICIPATING IN IDENTITY THEFT XXXX XXXX Last4 : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX ( XXXX ) XXXX Hello, Again with a complaint against XXXX, EQUIFAX AND XXXX in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against EX and all CRAs listing erroneous accounts under my name and social security number. 
EQUIFAX, XXXX AND XXXX are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the XXXX time I have made specific demands against this felonious organization to remove such information from my EQUIFAX credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX : BAL : {$12000.00} XXXX  XXXX  XXXX-BAL : {$12000.00} XXXX  XXXX XXXX-BAL : {$1600.00} As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I ahve opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

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, I-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX  XXXX-XXXX XXXX, XXXX XXXX XXXX XXXX  IXXXXC-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-XXXX  XXXX, XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX CT
Complaint sub-issue: Funds not handled or disbursed as instructed

From XX/XX/XXXX until XX/XX/XXXX fraudlent charges have been made to my accound that were not authorized. 44 purchases containing over {$5000.00} were not authorized my by me. 

My bank Ally has determined that I have authorized these purchases. 

There is no possibly way i could have made these purchases.
Complaint sub-issue: Problem with fees

On two past occasions ( within a year ) I learned that I had missed payments from my Citi Advantage Credit Card. I wasn't sure because I am very organized and we always pay our bills on time and pay off the entire amount. This particular credit card, we rarely used too so it always had a very small balance ( normally, less then {$50.00} ). On the 2 occasions I was told I had signed up for paperless statements which I do not recall at all and would not have done that on purpose. I like paper copies because I note when I make payments and I like to write down when I made the payment and I file it away. This past month ( XXXX ), apparently it happened again. I called and asked to have the late fee ( {$25.00} ) and interest ( XXXX cents ) removed and they said no because they had removed it 2 already within the year. The credit card bill total was for for {$52.00} plus {$25.00} plus XXXX cents. I closed the account immediately but they still refused to credit late fee and interest. 

I told them that Citi has designed their website so when people first login to their account they " purposely '' and willfully attempt to get consumers to click on paperless. I think this is more than an attempt to save money from just sending electronically vs sending via the mail, I would argue that Citi is making large profits off this when people receive these late payments and either just pay them off or refuse to go to the trouble to fight it like I am. I believe this could be huge and could help many others. Companies should have to have 3 alerts to ask you if you are sure you want to receive paper copies. They want this to happen.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXXXXXX XXXX, XXXX. 
XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I tried a website to get an answer on a computer problem. The site did not answer my question and charged me XXXX. I called U.S. Bank and told them not to honor that charge because I didn't get an answer, they took this charge off my bill. The next day, I looked at my credit charges, on-line, and found a XXXX charge for joining this site. I did not join this site! The charge was put on without my knowledge. I called and told the fraud department that this was a fraudulent charge and they shouldn't honor this charge. They told me this charge would be taken off my bill. I have since closed my account because of this charge and I keep getting notices that I owe this bill. For three months I've been dealing with the fraud department and they are still charging me for this fraudulent charge.
Complaint sub-issue: Problem with fees

I was auto enrolled, without my consent, into a debt protection program with CitiBank. Asked how long it was on my account and the stated since 2002. At this point I asked for a refund. They stated it would take 30 days to " review '' and would send a letter. After 2 weeks I recieved a letter stating my reques was denied. This prompted me to call back and ask for a supervisor. The supervisor said they could review again, which I asked them to do, and would send me another letter. At this point it felt like a scam since they couldnt review with me on the phone so I asked them to send me proof for my enrollment where I either signed or verbally consented to this protection. This was 2 months ago and have not recieved either a letter of review or proof of enrollment.

They removed feature but have not satisfied my request for a refund or provide proof of my consent to enroll in this program, which I never gave.
Complaint sub-issue: Debt is not mine

I have no knowledge of AFNI debt and I would like it removed as it 's reporting to the XXXX and negatively affecting me
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX 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 XXXXXX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

On XXXX/XXXX/XXXX, Equifax informed me of a data breach and told me I was an individual on the list of potential victims of a data breach that occurred over 1 month ago. There was no valid explanation for why it took over 1 month to report this to me, as the consumer. Upon calling the company multiple times inquiring as to whether or not my data was compromised, I was told again and again that they do not have this information. All I am able to find out is that I " may '' have been impacted. I have now had to go and spend a good chunk of my day checking all of my reports, verifying all of my accounts, changing all of my passwords, and so on ... for a " may '' have been impacted scenario. This is a company that I trust ( whether I want to or no ) to properly handle my personal and financial information. I would have hoped to have been properly notified when this breach occurred, as opposed to a month later. I would also have hoped to have a definite answer before going through this trouble.
Complaint sub-issue: Information belongs to someone else

I've disputed these accounts multiple times and they are still illegally being furnished on my credit report. Equifax even removed an account THEN put it back on my report with absolutely no explanation.
Complaint sub-issue: Their investigation did not fix an error on your report

This company ran a credit check on my without my consent or authorization. I have no idea who they are or what this was about. I disputed it but they did not delete it off my credit history with each of the three credit bureaus. This should be deleted off my credit report on / with each of the three credit agencies immediately as it was unauthorized. 

Thank you.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I am submitting this CFPB complaint to request the immediate removal of the fraudulent accounts and information you report on my XXXX XXXX. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and XXXX. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items : 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 XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. If you believe that the disputed items belong to me, please send me copies of proof of ownership and proof of verification from your investigation. If you can not provide me these documents, please remove the disputed items off my XXXX XXXX at the earliest possible time.
Complaint sub-issue: Account status incorrect

XXXX   XXXX ,  XXXX  CFPB :  XXXX  denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the past  five ( 5 ) ye ars.   XXXX    claims that I owe it over {$140.00} on my  XXXX   Visa Platinum  Credit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX      alleges that it performed more than {$140.00} of Maintenance on my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.  XXXX  threatened to take away my  XXXX   XXXX  and the personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that   XXXX   remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my    XXXX     Visa Platinum  Credit Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get   XXXX    to ac cept payment from my   XXXX   Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX   Visa  Platinum Cred it Card. And remove the negative information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft and my information was found on dark web and Equifax data breach. I demand this XXXX XXXX XXXX account be removed from my credit report its fraud the law prohibits fraudulent items from being placed on my credit report. I'm in the middle of purchasing i need to have this removed immediately. This is a violation of my consumer right to privacy and defamation of character lawsuit will be assessed if this account is not removed 1,000 per violation. 

I have attached my FTC REPORT FOR YOUR REVIEW THIS ACCOUNT SHOULD NEVER SHOW UP AGAIN ON MY CREDIT REPORT. FAILURE TO REMOVE WILL COST {$1000.00} PER VIOLATION 15USC 1681 A, B, D
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/20, I tried to use my Cash app debit card to make a {$75.00} purchase at XXXX. The transaction was declined but it was deducted from my balance anyways. My account history shows that the transaction was declined too. I notified Square but they have not returned the funds to my account.
Complaint sub-issue: Information belongs to someone else

I have been disputing these erroneous accounts for over a year please help me. 

( no name ) act # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A XXXX XXXX # XXXX {$560.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) At # XXXX {$930.00} XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX VA XXXX XXXX {$1600.00} XXXX no name XXXX act # XXXX {$240.00} ( no name XXXX act # XXXX {$100.00}
Complaint sub-issue: Account status incorrect

XX/XX/XXXX I had a balance of {$21.00} And I paid my bill in full on XX/XX/XXXX. I also called in the same day because my bill was due on XX/XX/XXXX and I was late. I typically do not carry a balance monthly with XXXX and I thought my bill was due on XX/XX/XXXX I spoke with a representative and she advised me I would not be charged a late fee and they would waive it as a courtesy and I would not be reported to the credit bureau as being late. What has happened is the rep never waived the late fee for me in XXXX and for the next seven months going forward since XX/XX/XXXX to XX/XX/XXXX I have been charged a late fee every single month! And I also received a letter that my credit limit has dropped from $ XXXX {$3000.00} and now my credit limit is {$100.00} I have called every month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX for this to be fixed and they all told me they couldnt help me and I told them that I am not paying seven months of late fees as I do not carry a balance on my credit card I paid that. Finally on XX/XX/XXXX I spoke with a supervisor XXXX and he made me pay {$22.00} and he waive the late fees and brought my balance to XXXX he also told me he would fix with all three credit bureaus and I also sent in a letter which they asked me to for them to fix my credit reports not report me as being late on all three of my credit reports it shows my account being negative. As of today XX/XX/XXXX my account still shows negative on my credit reports and my credit limit is only {$100.00} and nobody has fix this yet
Complaint sub-issue: Other problem getting your report or credit score

about 2 months ago i requested my credit report and i haven't received anything.
Complaint sub-issue: Information belongs to someone else

I called all 3 credit bureaus AND the creditor when i founded out about these fraudulent accounts ( XXXX XXXX ) I was advised to get a police report to remove the fraudulent accounts, so I did file with the police and obtain a police report and then disputed the fraudulent information on my report. The accounts remained on my file with the credit bureaus and they told me that 's the way it is, but NO, I should n't have to suffer any longer. I did all the right things, contacted all the bureaus and the creditor, filed a report with the police and yet nothing is being resolved.
Complaint sub-issue: Information belongs to someone else

I noticed multiple accounts on my credit report that I dont recognize
Complaint sub-issue: Other problem getting your report or credit score

In late 2020 I set up a my.equifax.com account and in the beginning all my accounts would be there to view, but shortly after opening the account all of my accounts vanished. I reported to them more than 10 times. They will not connect me to a tech support so I am having to deal with the inexperience of the people who answer the phones. Most do not even understand the subject of the call, I have to constantly ask for supervisors then they take my report and all end with nothing being done to correct this and every call ends with they will escalate this to tech support and this repeats every time I call them. I have been hung up on when asking for a supervisor, I have been told to delete my account wait 6 months then sign back up. Yes... wait 6 months but I did it because when AI deleted it i was never going to open it again. But out of bordom I signed back up and signed in and still the same issue. No accounts appear. However if I want to see that I have accounts I can click on file a dispute and there they are, all my accounts will show there but they dont show all the info in that account. For example and this is huge... read carefully...

Credit accounts You have 1 account items that may negatively impact your credit scores...

When I click on that link to see what that negative info is, it says on that page " You currently do not have this type of account. '' It should have named the negative account. So this is a problem. I dont know if this is identity theft since no information is showing. Just the statement that there is a negative in my report is not good enough for me to identify the account. 

So for almost 2 yrs I can't get anyone at equifax to take this seriously. Maybe this complaint will change their mind. But if the CFPB does nothing but collect reports then it will likely just go ignored like it has after more then 10 calls.

I have also been told to get my credit report sent in the mail. I dont want to wait weeks to get a report. I want them to fix my account on my.equifax.com but as of today its all the same. No accounts appear on the credit summery and the ones in the dispute part do not show all the info in it. Also my credit score on the account is missing. 

The email address on the account is XXXX and because I always have trouble even signing in I ended up with a second account that has the same issue XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I was told at purchase that it was 18 months of zero interest, sign here at the store and bought my laptop at {$2300.00} and made monthly payments over the 18 months. 18 months later I owe $ {$990.00} deferred interests. I had the remaining balance of {$800.00}, so i though i should be charged interests on the remaining balance. 

I contacted customer service ... no help. This was an error by the sales team to not explain the details of the promotion. They never mentioned about " the deferred interests '' at the store and I got approved my Best Buy credit card at the store by the time I made purchase. So, the sales team mislead customers about financing promotion. I see that other best buy customers complained about this issue as well. 

I should have at least mentioned about " the deferred interests ''! 

Best buy account specialist keeps saying it's all in your documents, but the problem is i got my documents after i made my purchasing decision. 

If i had know about " the deferred interests '' at the store, i would have never financed with Best Buy.
Complaint sub-issue: Debt was paid

This account was opened in XX/XX/XXXX and I had a {$400.00} credit limit. It was paid off completely of on XX/XX/XXXX ; payments totaled {$570.00}. I closed the account due to the high interest rate they charge on top of overpriced items. XXXX reflects a {$0.00} balance on my credit report, which is accurate, but also states that it was charged off and now a collection agency is reporting a balance as of XX/XX/XXXX in the amount of {$940.00}. If the account was closed with a zero balance in XXXX, how can there be a balance as of XX/XX/XXXX ... .5 years later of {$940.00}? XXXX and Jefferson Capital System both need to remove their fraudulent remarks from my credit. XXXX is owned by XXXX XXXX XXXX according to the XXXX XXXX XXXX website and as of XX/XX/XXXX the business filed Chapter XXXX Bankruptcy, case # XXXX. Out of XXXX Reviews on XXXX, their rating is a XXXX out of XXXX, have received XXXX complaints in the last 3 years ; 512 of which were closed in the last year. Jefferson Capital has received XXXX complaints in the last 3 years and XXXX complaints in the last year. Out of XXXX Customer Reviews, they have a XXXX out of XXXX on XXXXXXXX. This should speak volumes about how they conduct business. I saw a ton of affilitations between XXXX account and Jefferson Captial Systems. 

This company XXXX XXXX XXXX brags about helping people " build a better credit future '' but all they are doing is ruining their credit. They charge ridiculous interest rates and charge you double for the item. For example, they are currently selling a handheld game console called the XXXX XXXX  XXXX XXXX in the color Coral. It is being sold at XXXX for {$310.00}. However, XXXX  has the exact same item, in the exact same color for {$190.00}. XXXX has the exact same item as well and the same color and are selling it for the same price as XXXX  for {$190.00}. This is NOT ok!!! 

They, by their own admission charge XXXX % interest on top of these over priced items.