Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card opened as result of identity theft or fraud

This issue came to my attention when my wife questioned the paper statement, received first time in the mail, about credit card with CITI Advantage that being late on the payment. We have several CITI accounts in the family, my wife, my daughter and my son they all have CITI credit cards and my wife is the one who is managing all of our monthly bills. I called the CITI and talked to their representative that I do not recognize this Credit Card that was issued under my name Account Ending XXXX and explained that I never applied for this card, neither anyone in my family did. 

Citi opened the claim under fraudulently opened card using my personal information. After their investigation I received a response from CITI denying my claim as this was payments shows that being paid from my XXXX XXXX Account. I have explained CITI in my initial phone call that we have several CITI accounts in our family and my XXXX XXXX Bank account is used to pay all of bills in the household. If the card payment was taken from my personal bank account and my wife did not notice or assuming that it is one of our family used CITI cards it doesn't mean that someone did not intentionally used my personal information to open one. The payments for this credit card was never set up in my XXXX XXXX Account to be paid from the bank, these payments were taken from my XXXX XXXX Account by the CITI, and like they explain in their letter dated XX/XX/2019 that " payments remitted from valid XXXX XXXX Account '' - the payments were never remitted from XXXX XXXX Account, the payments were set up to be taken out within the CITI account. 

Recently, I had similar issue with XXXX XXXX  card that was opened under my name without my permission or being aware of it. 

I am sure CITI can investigate all the charges related to this account and see that those charges will have nothing to do with me.
Complaint sub-issue: Account information incorrect

Equifax continues to deliver incorrect data regarding the child support account balance is XXXX and payment history is nothing of what they say it is it is too close to cases and the children live with me. This kind of miss corrected information shouldve been taken off my credit report a long time ago along with payment history as there is no current account and the prior payments do not include what is called XXXX XXXX from the court. It is extremely detrimental and although I reached out many times to correct the problem it seems to continue. I have never missed A car payment on the Jeep through XXXX Get one page shows current and the other 30 days late Equifax needs to get their story straight.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent these credit agencies a certified letter about the inaccuracies on my credit report and XXXX, Equifax and XXXX Stated that they have verified these accounts as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX However I still found that the same inaccuracies on my report
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX XXXX a # XXXX paid in full an outdated paid on XXXX/XXXX/XXXX
Complaint sub-issue: Application denied

After applying for a card I should have been eligible for. I received a denial for a reason that did not make sense. After a little research I found that there was some fraudulent info on my credit report. 

Speaking to Discover executive office, I asked if I was able to supply them with information confirming that the delinquent account that was the sole reason for my denial was not a statement of fact, if we could either reverse the declination or remove the hard inquiry on my account allowing me to reapply without any further harm to my credit. 

The answer I was given was a pretty clear yes. The representative XXXX also said he would be looking in to things and getting back to me which amounted sending me a letter XXXX XXXX XXXX XXXX XXXX XXXX 

After supplying them with the evidence and outcome of handling the fraudulent info on my credit I was sent yet another letter that was basically a copy and paste of the first. 

Upon calling and speaking to discovers executive office yet again and a supervisor there I have been told they can not and will not do anything at all for me, but also wont deny that I was lied to by their representative.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 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 is the inquiry that is reporting on my Credit Reports : XXXX Date of Inquiry XX/XX/2020
Complaint sub-issue: Account information incorrect

Equifax is investigating a open complanent filed with CFPB. I feel since Equifax needs 60 days to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be removed from Equifax report while being investigated unfair for this to be on my Equifax credit report when these charges were not mine
Complaint sub-issue: Debt was result of identity theft

I have a collection from AFNI, INC for an account with XXXX XXXX XXXX that is not mine. This account has been disputed previously and removed from different collection agencies and new ones acquire the account to collect. This is a fraudulent account and has been removed by credit bureaus in the passed when it was with other collectors. I did not open this account or authorize anyone else to open it using my information. I have filed both a police report and identity theft affidavit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached an FTC report with inquiries I did not authorize.
Complaint sub-issue: Reporting company used your report improperly

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

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 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 filed a dispute with Equifax and they did not properly investigate my dispute. There are medical bills showing on my report that was satisfied and should be removed once paid. They failed to produce anything to verify that the information is correct. I am asking for your help to make them abide by the law.
Complaint sub-issue: Didn't receive enough information to verify debt

on XX/XX/XXXX I XXXX XXXX XXXX and ankle and visited two different hospital emergency rooms. 
The first one was at XXXX XXXX XXXX. The second was XXXX in XXXX. 
I begun receiving bills from the hospitals and the ER physicians in late XXXX and XXXX. It was easy to identify who the bills were from, what the bills were for and all entities were willing to work with me since I was uninsured at the time. 
Three days ago on XXXX I received a pink past due notice dated XX/XX/XXXX from Americollect in XXXX Wisconsin. They say I am overdue to pay a company called XXXX XXXX two different amounts - {$36.00} and {$40.00} totaling {$76.00}. 
# 1 I have no idea who XXXX XXXX is and I have received no correspondence.or bill from XXXX XXXX. I am assuming that maybe it has to do with XXXX  of my XXXX XXXX and XXXX? 
# 2. Even if this is a legitimate debt although I haven't been billed, how could this be in collections less than 60 days from the time I could have incurred a charge. 
# 3 Due to XXXX XXXX I can't move about. I called the collection agency to dispute but they would not accept that and told me I had to put my dispute in writing and mail certified ( which would be a problem for me ) My issue is how can I debt I never knew about be in collections in way less than 60 days. Even if XXXX XXXX had sent me a bill in XXXX I would not have been considered over 30 days late at time this collection notice was generated. 

I try hard to keep my credit okay. I contacted the hospitals and they are working with me on reducing charges and accepting a payment plan. Whoever these people are, they are ruining my credit and I have never had a chance to know if I was charged and what I was charged with.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2019 I opened a account with BB & T bank. I transferred XXXX dollars to open my account. On XX/XX/2019 the funds were transferred from my third party bank and no longer available in my balance. I logged into BB & T and noticed the funds were posted however they were placed on a administrative hold by an unknown person at BB & T. I called several numbers online which was a dead end and only being automated. I frankly called the branch and explained to a representative what was going on she pulled up the account and her response was oh its a new account and thats not good enough for me! I explained to her I have several friends who recently within the past few days opened accounts all being over 100 dollars and they money was made available immediately. She then repeated the exact same time she said the first time which made me feel as she just simply didnt give a dam because it wasnt her money or her problems. I explained to her I have a bill that has to be paid and cant nobody hold my money like that for a whole week period because if I dont pay my bill I face a late fee or services being disconnected depending on how the company feels at that time and thats not fair because the bank dont have to pay it I DO not all of us are doing fraud or a scheme and I shouldnt be treated as I am. I live near several braces hes here and had I known they were holding my money for a week I wouldve just took cash into the branch instead of being treated like a thief and them using discretion and being bias because I strongly feel if I was white when I made that phone call her tone wouldve never changed and she wouldve personally removed that hold. I have a college education and the way that lady talked to me I started to curse her out but I chose to ask for a manager only to be transferred to an answering machine and this was at XXXX. Its not XXXX. And I still havent heard a thing or have a message for a return call which is very unfair because when u go to the branch they all be laughing eating fruit bowls and keeping up office mess. They dont be doing nothing. 30 minutes ago at XXXX I logged into the app and called a branch that was listed only to be sent to voice mail and still havent received a call back. I cant afford to pay fees to a company because an individual decides to put a unnecessary hold on my account when I can easily prove 5e funds are no longer in my account and I know for a fact they have ways to verify it and they do have the funds.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Complaint sub-issue: Information belongs to someone else

My identity has been compromised and misused by unauthorized individuals. Im demanding an investigation and immediate removal of the following accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX   XXXX 4 ) XXXX XXXX XXXX 5 ) US Department Education 6 ) XXXX   XXXX  7 ) XXXX XXXX XXXX  8 ) XXXX XXXX  9 ) XXXX XXXX XXXX   10 )  US Department Education 11 ) US Department Education
Complaint sub-issue: Personal information incorrect

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Complaint sub-issue: Debt is not mine

I have sent this place a letter asking for them to stop harassing me because they have the wrong person. they went and put it on my report I guess because they think they have the right person that they can do that. I need it to stop
Complaint sub-issue: Other problem getting your report or credit score

1.Equifax has made it impossible for me to retrieve my credit report from them " online '' via their offered monitoring services. They have told me verbally that I will " never '' be able to utilize their online service and I will have to contact them by phone directly to their " Consumer Affairs '' dept. for any access to my file or even to make disputes.The last time I spoke to them they would not verify any account information on my file and said that they needed to mail me docs to validate myself which I've yet to receive. 
2.Equifax has continued to dismiss and under-report accounts that are being reported to them by Creditors such as ( XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX ) all of these accounts I am an " Authorized User '' via " XXXX XXXX '' ( Primary Card Holder ) who can be contacted at ( XXXX ) XXXX or XXXX XXXX XXXX XXXX, TX. XXXX. I have been on these accounts for nearly a year and Equifax has never reported any of them. 
3.Equifax has deliberately ignored my request to them to remove the " Extended Fraud Alert '' dating back to " 2013 '' which I did not request.
Complaint sub-issue: Reporting company used your report improperly

Dear [ CFPB ], I am writing to express my extreme frustration and disappointment with the handling of my account by the credit bureaus. Despite my repeated complaints and requests for assistance, the inaccuracies on my account remain unresolved. 
The credit bureaus claim that my account was properly investigated, but that is simply not true. The open date, date last active, and date last reported are all inaccurate and these inaccuracies are in violation of my rights under 15 U.S.C. 1681 section 602 A, which guarantees my right to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 
I demand immediate action to rectify these inaccuracies and remove these accounts from my credit report. I have been patient and cooperative, but enough is enough. I expect a prompt resolution to this issue and an assurance that my rights will be respected in the future. 
Sincerely,
Complaint sub-issue: Public record information inaccurate

Lexisnexis has been listed as the furnisher of public record information for XXXX, XXXX, and XXXX. I have provided recently a court signed document expungement of bankruptcy case XXXX filed on XX/XX/2019. This was a human error that wasn't created as a new filibg. The document state that error. I emailed Lexisnexis the document included their case information on the email, and had previously in the same disputed request have provided Lexisnexis with a copy of my drivers license, mail address. Yet, Lexisnexis, XXXX, XXXX  and XXXX   are not removing this erred bankruptcy case. I have provided all 3 reporting agencies with my driver 's license and mailing address via dispute and through Cfbp complaints filed through out XX/XX/2019. I want this corrected on my credit report. It is causing great distress.
Complaint sub-issue: Old information reappears or never goes away

I sent out a written request to the three major reporting agency ( XXXX, Equifax, and XXXX ) via XXXX on XX/XX/22. The letter provided current personal information that should be used to properly identify me, the consumer. In my correspondence I also asked that all other personal history be deleted because I was concerned that I might be susceptible to identity theft. I have attached a copy of the receipt from usps and a copy of the document that was sent out on that day. Neither of the three credit reporting agencies has yet to respond to my request or have taken any action to resolve this matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Despite what is now two years of consistent effort with the credit reporting agencies all three have yet to remove what is on XXXX XXXX XXXX a card riddled with unauthorized charges after it was lost. I spent the majority of 2017 explaining only in the best English I could since it is my second language and no one would listen to launch an investigation into the charges. I know that the law covers reporting unauthorized charges and doesn't allow it until the end of the investigation but no investigation was ever initiated and I think it has much to do with me being XXXX and not knowing the law. Two years later I've done my research and realized that they're making a mistake and it's a mistake that affects them ability and ability of my family to live the American dream
Complaint sub-issue: Account information incorrect

Less than a year ago Citibank lowered my credit limit for some reason so I called asked why got an answer I didnt agree with. So I closed to acct I ask the individual if there were any pending charges he said no. Later on down the road come to find out there was and I was charged late fees snd interest on them. Filed a XXXX complaint they fixed the charges but wouldnt correct the late payments on the later fees/charges they credit to the account.
Complaint sub-issue: Was not notified of investigation status or results

I'm writing this complaint because I have had several issues with the equifax, XXXX, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 40 days and I have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX this account was paid in full and lien released to XXXX XXXX and reported/updated to all three credit bureaus on XXXX XXXX, stating this account was paid in full and closed. The car I purchased had an acceleration defect in which the dealer I purchased the car from, after several attempts was unable to fix the issue ; I made a compliant to XXXX, who decided to repurchase the car under the California Lemon Law. Under this law it states that if a car is bought back by the dealer or it's manufacturer, all money paid toward the car ( down payment, car notes, repairs, car rentals etc. ) is to be refunded minus the mileage usage. I received a letter dated XX/XX/XXXX as proof of the account being paid in full and closed and lien released by XXXX XXXX, as well as the breakdown of all monies received to pay off the car and what i would receive as a refund. After a couple months XXXX XXXX reopened the account and reported that I owed XXXX, followed by another XXXX a couple of months after that totaling XXXX showing that I owe on all three credit reports. These are the two car payments that were due to be refund to me from the repurchase of the car. I do not owe this money and have disputed this inaccurate information with the credit bureaus numerous times and the company keeps reporting back that they have certified that the information is accurate and for the account to remain on my report as is. So I decided to dispute this account directly to XXXX  on XX/XX/XXXX and uploaded all the proof to verified this account was indeed paid in full/closed per the letter from XXXX XXXX. I received results today, XX/XX/XXXX stating the account status remains the same as me owing, and that the company sent certification again that this information was accurate. I asked XXXX  numerous times to send me the certified information to me so I can review it and the representative named XXXX at XXXX, stated that I would have to subpoena that information if i wanted it. XXXX has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. XXXX  is basically taking the word of XXXX XXXX because they are being paid by that company to report this inaccuracy on my credit report. I am tired of the back and forth with both the company and XXXX  as well as the other two credit bureaus. I need help from another agency now.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax will not remove after many attempts my credit show i own the over XXXX which i dont and it shows duplicate amount, i can prove this the EQUIFAX AND XXXX, MY CREDIT IS RUINED I CAN NOT GET ANY LOANS CARS OR HOUSE, IN A BAD SITUATION
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax, and XXXX are all reporting fraudulent accounts on my credit report. these need to be removed immediately. I have attached the copy of the police report for fraudulent accounts on my report. there are two accounts showing with the creditor being XXXX XXXX XXXX XXXX XXXX there are two accounts with the same balance which is {$310.00} each. One of the accounts is reporting from XX/XX/XXXX, and the other is reporting from XX/XX/XXXX. Please have all bureaus remove these accounts from my credit report immediately. thank you.