Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I received my credit scores from 3 credit reporting agencies and each has shown a massive decline in my credit score for XXXX  and Equifax. My credit score was XXXX for Equifax and XXXX for XXXX  for months and no one can explained the massive drop. I have paid all accounts on time. I have continued to reduced my credit utilization, paying out two accounts out of the 3 credit cards, XXXX and XXXX XXXX accounts are paid to a XXXX  balance. I have paid my XXXX account down to {$4800.00} and though they are reporting {$5600.00} my credit score for months remained the same of XXXX and XXXX. My credit score has been XXXX and XXXX over a year or so and I have only continue to pay all of my creditors down, When I spoke to the rep at XXXX  inquring about the drop in my score and informing her that XXXX XXXX, XXXX XXXX and XXXX  are all reporting the same devreased scores. Though I informed her that all 3 organizations report the scores using VantageScore 3.0. she indicated to me that XXXX   uses VantageScore 3.0. She indicated to me to contact the organizations and inquire of them why the drop in the score. I informed her that when I inquired of XXXX XXXX, XXXX and XXXX XXXX, all 3 organizations indicated they only report what XXXX  and Equifax reports to them. The only thing that should have reflected on my credit reports was an increase, not a massive decrease.
Complaint sub-issue: Reporting company used your report improperly

Per the announcement made on XX/XX/2017, Equifax failed to properly secure and protect my personal information. I verified this on their website. That information has now been compromised in a cyber attack along with millions of other consumers. Equifax also failed to notify consumers of the attack for over one month, therefore escalating the severity of the situation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached 2 FTC reports with inquiries I did not authorize and they need to be deleted
Complaint sub-issue: Debt is not mine

ERC  ( debt collection company ) claims to have an account from   XXXX   XXXX   XXXX   to collect {$30.00} owed. I have been receiv ing notices for about a year now and call   XXXX   XXXX   XXXX   every time. We have never owed them and   XXXX   XXXX   XXXX   continuously advises me we owe nothing, this is a known scam to them and to ignore the debt collection company. The debt collection company has been notified every time they call and they refuse to stop sending mail and calling.
Complaint sub-issue: Account information incorrect

ON XX/XX/2020 I HAD 2 ACCOUNTS-XXXX XXXX   BALANCE XXXX AND XXXX XXXX BALANCE XXXX WHICH LOWERED MY FICO SCORE 65 POINTS, HOWEVER ON XX/XX/2020. I HAD PAID BOTH ACCOUNTS BUT MY FICO SCORE ONLY WENT UP 8 POINTS. MY XXXX  FICO SCORE WENT UP 62 POINTS SO WHY IS THIS SO DIFFERENT.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Problem with fees

I applied for a bloomingdales card in order to purchase a gift. I purchased an item at the store using a credit card authorization provided on site. 

I never received the card or any bills until after the payment date had passed already. Prior to this I used the automated phone service to pay off the amount. A few weeks later I received a call that the payment was not made. I immediately paid it in full and asked that late fees and interest charges be reversed. And, the agent on the phone assured me that all fees and interest would be reversed. 

Now a month later I received a bill for {$110.00} in interest charges despite their assurances. I called a few times and each time was placed on a forever hold. 

They also purposefully play static and horrible hold music to discourage people from fighting fraudulent interest charges.
Complaint sub-issue: Old information reappears or never goes away

I engaged in a loan with XXXX XXXX, had 4 successful loans and renewed the fifth terms ; filed for bankruptcy and they were notified of the case petition and protection under the automated stay have not heard a thing in close to five years ; Recent email from the company advised that they have updated credit profiles and demands payment. First I am still under the automatic stay and the statue of limitations for this loan has past in addition they knew or should have known as a matter of standard operating procedures to do a bankruptcy scrub before demanding funds on a account out of statute. I've called them twice and to no avail. This account is no longer collectible and has no legal standing in addition it is reporting incorrect information on my credit profile. They have violated several laws. The resolution I am seeking is removal of any recent information on my credit profile ( s ) ; restitution for the violations.
Complaint sub-issue: Investigation took too long

From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over XXXX letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over XXXX letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : 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 a open end consumer credit plan as late for any purpose.
Complaint sub-issue: Public record information inaccurate

I have tried to dispute 6 dismissed bankruptcies that don't belong to me on my credit report with Equifax. Equifax claims that they verified these bankruptcies with the creditor. Equifax is the only credit bureau reporting these bankruptcies. The creditor is the US Bankruptcy Court, who DO NOT verify anything with 3rd party vendors such as Equifax. According to the FCRA, Equifax is supposed to verify accounts directly with the creditors to provide accuracy. However, Equifax says they verify account information through XXXX XXXX, which is a 3rd party vendor not the creditor. Therefore, Equifax is unable to directly verify my correct information because only partial information, such as, social security numbers are available. If Equifax can not accurately verify information from the actual creditor then they must delete these bankruptcies because they are violating my rights under the FCRA. Equifax is reporting inaccurate information that they can not legally verify. Equifax needs to delete these bankruptcies from my report immediately.
Complaint sub-issue: Contacted employer after asked not to

On multiple occasions, MS Service of XXXX WY have tried to contact me at work. Not only do they not verify who they are speaking to before they tell who they are, but they have been told on numerous occasions ( the most recent being today XXXX/XXXX/15 at XXXX XXXX ) not to call at work. The women who calls even started the conversation with I know you told me not to call at work so I will be quick. They havent even sent letters or called my home phone, just harassed me at work.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2021 complainant submitted for a residential property the screening process was conducted by company " Safe Rent Solution fka CoreLogic RPS '' said company Safe Rent Solutions used software owned by " XXXX. '' The information created by Safe Rent Solutions identified complainant as a XXXX XXXX XXXX On, XX/XX/XXXX and caused complainant to be denied, causing complainant psychological harm and damage to personal property and complainant marriage rings, Safe Rent Solution was aware that the information it was creating was not that of the complainant or should had known. Safe Rent Solution used inadequate software which only searches using first and last name, and the software used by XXXX did not reject the information Safe Rent Solution had created which misrepresented the complainant by mixing credit report and criminal background which gives the appearance of the information being correct of consumer. The consumer background check is that of public record and should be maintained as such, as it has proven to be misleading information about consumer. Complainant is XXXX by way of XXXX XXXX XXXX XXXX  and when attempting to speak to personnel employed by Safe Rent Solutions a person name unknown XXXX XXXX  identified himself as counsel for said Safe Rent Solution, XXXX XXXX  made degrading remarks concerning complainants ability to reason, understand or comprehend and stated that complainant couldn't read and he was of less then that of a XXXX XXXX XXXX, these words used belittled complainant making him feel useless and without self esteem, complainant became delusional for months unable to gain a grip on his life feeling isolated and trapped, making complainant feel like a creep and or that everyone was out to harm him and that others were looking at him as a XXXX XXXX XXXX, this caused pain and suffering, complainant submitted a complaint to CoreLogic XXXX the company rejected the complaint however phone communication with XXXX 's Fraud department revealed that company XXXX was working with Safe Rent Solution.
Complaint sub-issue: Problem getting your free annual credit report

I try to obtain my credit score they won't let me go to sleep but they say it but it says I still can't get it
Complaint sub-issue: Information belongs to someone else

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, DEPTEDXXXX XXXX # XXXX DEPTEDXXXX XXXX # XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX XXXX XXXX US DEP ED XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Didn't receive services that were advertised

I 've learned that Equifax may have compromised my personal information including name, DOB, social security number and address from online news reports. Even beyond this outrageous failure, I was not notified of this by the company or automatically enrolled in an extended protection program. It seems that would be the least they can do. The 90 day protection is pointless because this information can be used 100, 200, or 1000 days from now to fraudulently open accounts in my name. The government should step in now and make sure anyone whose information was compromised is secured from fraudulent activity, where there is additional verification of identity for these individuals. I do n't trust Equifax to do this properly since they have failed so awfully in literally the one thing their business needed to get right.
Complaint sub-issue: Account information incorrect

The account below the company stated that I failed to pay. I have attached proof that I have made payments to the account as agreed to by the bank. I have been trying to work with bank to settle debt. 


XXXX XXXX XXXX  XXXX {$27000.00} Installment Negative XX/XX/XXXX XXXX Account : XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving NegativeXX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX COLLECTIONS : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : 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 XXXX COLLECTIONS : XXXX XXXX Balance {$75.00} XXXX XXXX Balance {$15.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX Balance : {$470.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Their investigation did not fix an error on your report

I have disputed this account with Equifax multiple times via certified letters in the past ( see attached letters titled round 1, 2, 3, 4 ) and yet they continue to report inaccuracies and they have ignored my factual complains of their inaccurate reporting on this account. 

I am hoping that the CFPB will actually do something this time about this inaccurate account reporting. I have attached the most resent Equifax report on this account and have requested in another certified letter to Equifax that they either correct or delete this account for inaccuracies. As usual they have done neither. 

Look at the Payment History ( see attached XXXX ), it is all over the place. They are reporting this account is : 30 days late in XXXX and XX/XX/XXXX ; 60 days late in both XXXX and XX/XX/XXXX ; and 180 days late from XX/XX/XXXX to XX/XX/XXXX. HOW CAN THAT EVEN BE POSSIBLE? 

I contacted the original creditor and they have informed me that this account belongs to a man with the same name as mine who died in XX/XX/XXXX. WHY IS EQUIFAX REPORTING THIS?
Complaint sub-issue: Company closed your account

I opened an account with Citibank on XX/XX/2022. I deposited my first check on XX/XX/2022. They notified me about closing my account on XX/XX/2022. I called and they told me my account has been closed and they cant give me any more information about it.
Complaint sub-issue: Debt is not yours

I contacted Jefferson Capitol Syst, XXXX XXXX XXXX, XXXX XXXX Mn XXXX on XX/XX/2021 after receiving information that they added a previously deleted item back to my credit report. I contacted them threw Certified mail and requestied them not contact anyone else about the debt until they sent me a complete validation letter. The return mail was signed by a XXXX XXXX XXXX on XX/XX/2021. XXXX XX/XX/XXXX they contacted XXXX again about the debt without sending any information asked for in the verification letter. The initial bill was deleted from all three of my credit reports in XXXX when XXXX failed to respond in any form or fashion to any of the multiple dispute i sent in to all bureaus. In XXXX XXXX months later, after XXXX knowing they could not get the account re-inserted onto my credit they, vindictively sold it to Jefferson Capitol. These tactics are horrible and cause so much hardship to my credit.
Complaint sub-issue: Reporting company used your report improperly

XXXX Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( XXXX  ) has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.
Complaint sub-issue: Reporting company used your report improperly

XXXX company Citibank pulled my XXXX credit report, then claimed that they didn't. This in spite of a record on my XXXX report. They had the audacity to claim that all three bureaus work together and a pull to XXXX or XXXX is automatically reported to XXXX. That's a lie. They pulled the report for no use, as their Executive Response Team told me they have no use for the XXXX report. So they dinged my credit report just for their own XXXX XXXX XXXX XXXX and giggles. Piece of XXXX company with no respect for consumers. It's a fundamental violation of the law to pull a personal credit report if it's not in connection with a decision to grant credit or make an offer. Pulling it for no reason is illegal.
Complaint sub-issue: Problem getting my free annual report

I was trying get a free annualcredit repor from equifax, and it dennied my request because when it got to the security question portion, it indicated a mortgage loan which I definately never had.
Complaint sub-issue: Deposits and withdrawals

I had a direct deposit made on XX/XX/XXXX for $XXXX. The morning of XX/XX/XXXX, I used my debit card for miscellaneous items and I made a $XXXX cash withdrawal at a PNC bank branch. PNC bank froze the deposit sometime before XXXX XX/XX/XXXX. At a separate branch, I was told the funds wouldn’t actually be released until XX/XX/XXXX. On XX/XX/XXXX the funds were not released. After speaking with several different representatives on the phone, I was told: 1) the fraud department froze it 2) the funds are being held for verification that would take 5-7 days even though it was a direct deposit 3) that the check that was deposited was not endorsed
Complaint sub-issue: Personal information incorrect

I am a victim of identity theft and there are names and addresses on my credit report that does not belong to me. I have contacted the companies to remove these items but they have failed to do so. The phone number on my file also does not belong to me please remove these items to minimize more theft. I do not want my information to continue being compromised and sent to addresses I do not reside at. The following addresses need to be removed as well as names and number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove the information above from my credit report. 

The correct address is XXXX XXXX XXXX XXXX XXXX XXXX and the correct name is XXXX XXXX will attach my FTC report as well.
Complaint sub-issue: Account status

On XX/XX/XXXX a past creditor requested the removal of my information from Equifax. It was removed then placed back on my credit report on XXXX. 
Only part of the information shows up now. I called Equifax numerous times but they refuse to call the creditor and/or accept the letter from the creditor that was set out when they requested the removal. Instead they tell me to contact the creditor. 

I have called numerous times. Just today I called and was placed on hold for over a hour. When I called again I was told they closed a few minutes before. This is the worst customer service I have ever experienced in my life. 

XXXX had requested the removal of negative information from my credit report. I have disputed this numerous times. I have had no issues with the other agencies, but Equifax keep showing the old information. I have letters from the creditor and no one is willing to assist me. I have been denied a loan twice due to this issue. 

Please assist.
Complaint sub-issue: Their investigation did not fix an error on your report

I was told by a representive of XXXX XXXX that my account would be changed to Current never late but it has not been changed on ny credit reports. I need this to be changed I was late do to Hurricans daughter was hurt in Hurrican Harvey had to go to Texas then our house was hit by Hurrican Irma causing damage