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

Credit report shows accounts in collections, chapter XXXX bankruptcy covered these items. Currently XXXX XXXX of XXXX shows 2 collections accounts and XXXX XXXX shows 1 collections accounts.
Complaint sub-issue: Other problem getting your report or credit score

This is crazy guys. I just filed a complaint against Equifax three days ago about not being able to obtain my report for numerous reasons. I explained how I'm about to lose my home in escrow and thousands of dollars in deposit, inspection, and appraisal fees. I described all the steps I took in trying to have Equifax release my credit report or remove a freeze or a XXXX  alert from my credit report so the loan officer can obtain a copy. I even provided a copy of everything I have done to have Equifax release my report such as provided faxed letters to Equifax, e-mails to a data furnisher named XXXX, responses from Equifax, and even a copy of my license and social security card. So what does Equifax do in their response back to me? They tell me to provide a copy of my driver 's license and social security card ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 

I'm sorry for the the overly exaggerated ellipsis but then again I'm not. Do they think I'm XXXX? Or are they feigning stupidity and incompetence? Why would they ask me to provide documents I already provided to them numerous times including through your portal unless they were purposefully attempting to agitate me and give me the proverbial finger? This is proof of exactly what I complained to you about. They DON'T CARE and are purposefully negating my lender from obtaining a credit report and therefore purposefully and willingly impeding me from closing on my home. I honestly don't even know if their response to me from this complaint will be in time to close escrow. Escrow has already been extended on multiple occasions and there won't be anymore extensions. I also don't have time to mail in my response and wait for their mailed response back to me as they wanted me to do in their asinine response to me. Please help me. I'm begging you. I don't want to lose this house because of Equifax 's incompetence.
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, 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: Information is not mine

I have contacted Equifax by certified letter ( return receipt ), by filing disputes online, and by calling on three occasions to no avail regarding hard inquiries on my report which were never authorized by me. Equifax has reported incorrect names, incorrect addresses, and multiple hard inquiries that are fraudulent despite my written and verbal notification. They have sent me a final response stating the report they have on file is accurate. In accordance with the FCRA, they must remove information that is not accurate and was not submitted/used to obtain credit by me.
Complaint sub-issue: Information belongs to someone else

on XX/XX/XXXX i mailed and digitally submitted the XXXX bueras my identity theft report about accounts and inquires on my account and nothing has been done its been XXXX days since. they are breaking the law please do something
Complaint sub-issue: Information belongs to someone else

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Fees charged for closing account

On XXXX XXXX, 2022 I received a promotion w/ a link from Citibank XXXX for a 12 months No Penalty CD w/ 2.25 APR. The link took me to the bank wed side. I opened the CD for {$17000.00} dollars, ending in XXXX then I realized the CD default in the link was a 12 months Penalty CD w/ 2.00 APR. I called Citibank 1 minutes later, the bank informed me that I need to waited 24 hrs for the CD to show in their system, it was a Friday. I call XXXX, XXXX, Monday 2022 to XXXX XXXX they told me to call XXXX, the agent told me to call XXXX. At the last call they told me that they can not change my CD, because I need to wait 30 days, and I was going to be penalize {$170.00}, even thought I call with in 5 minutes of the CD been opened. This was a misleading advertising by City. First they sent me a link with a promotion and then the link took me to another promotion. In the XXXX XXXX XXXX XXXX XXXX spoke to XXXX ID : XXXX supervisor, refused to give me her last name. 

PS : Be advised that you closed my previous complaint XXXX, under the argument that it was not me.. This is my phone XXXX XXXX XXXX, XXXX, in case you want to contact me. thx
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have contacted equifax many of time I was also in there date breach and I still havent seen any up date on my credit report I cant log in Ive been send verification of who I was many of time and I will not send it again it should be in my file my address been the same for years and I still havent been able to get anything with my credit report its false bankruptcy false history false and this effected me for years I sent FTC report I even try to file insurance with XXXX which Im a victim and I havent got through to nothing being XXXX
Complaint sub-issue: Account information incorrect

I had a student loan with XXXX XXXX  for {$5000.00} that I signed the final disclosure on XX/XX/XXXX ( ACCOUNT NUMBER : XXXX ). I signed up for XXXX to sign up for automatic payments through XXXX, but I never made one payment. I asked them to produce a receipt or statements and they do not want to. I also, asked them what bank account was payments made with so I can pull up my statements to show them there was no payments made. They have an invalid delinquency date on my file. I have emails to show all of this. The first statement I received was in XX/XX/XXXX, and I did not pay. 
XXXX Equifax, and XXXX  have been reported to with these invalid dates.
Complaint sub-issue: Problem using a debit or ATM card

CASH CARD ( XXXX ) CLAIM AMOUNT : {$1.00}, XXXX On XX/XX/22 i reported to CASH APP, I found out in my CASH APP account had : _ 9 unauthorized transaction ( documents included ) On XX/XX/22 CASH CARD denied my dispute claim # XXXX with reason " card present purchase '. After review the statement i found out more 7 unrecognized transaction on this list : XX/XX/22 : {$49.00} XXXX/XXXX22 : {$28.00} XX/XX/22 : {$75.00} XX/XX/22 : {$110.00} XX/XX/22 : {$19.00} XX/XX/22 : {$39.00} XX/XX/22 : {$180.00} ( not received package ) XX/XX/22 : {$180.00} ( double charged ) On XX/XX/22 i have XXXX and have to stay in hospital  XXXX from XX/XX/22 to XX/XX/22 ( have hospital  record included ). 
i am writing to dispute a fraudulent ( {$130000.00} fraud transaction on my debit card number XXXX ). i am a victim of identity theft, and did not make all transaction from XX/XX/22 to XX/XX/22 because i am in hospital at that time. 
One more thing, why cash app deactivate my card with no reason????
Complaint sub-issue: Account information incorrect

I still have unauthorized information on my consumer report under 15 USC 1681 ( a ) 3 Equifax has assumed my role and DID not ask permission to put information on my consumer account. As also stated in the congressional finding 1681 ( a ) 4 the credit reporting agency did not exercise their GRAVE right and duty to be impartial, fair, and my right to privacy. Equifax purposefully kept information on my account after being instructed to lawfully remove it. Equifax has intentionally committed fraud by not removing information as instructed by me but also by the Office of the Attorney General State of Florida pertaining to the winning of the XXXX XXXX XXXX Multi State law suite This information should have been removed but still remains on my credit report.
Complaint sub-issue: Problem getting your free annual credit report

I have tried TWIC -- once in XX/XX/XXXX and once in XX/XX/XXXX -- to get my free credit reports from Equifax and XXXX. 
They send letters and I have to do a bunch of stuff in writing. 
The reasons they give -- particularly Equifax, XXXX just does not send one -- vary. Once they said I ordered one within past year. Nottrue. Last ordered in XX/XX/XXXX. I do not remember what the lastexcuse was. 

Is this a ploy to get us to PAY for credit reports? 

This is nonsense. 

I am XXXX and this is not fair. 
I MUST get to my credit reports. I have wasted months
Complaint sub-issue: Can't close your account

I spoke to someone from Citi bank who was willing to help me until I decided to close my account because of promotion ambiguities. I was told, " Okay, one second. '' Then, I was placed on hold for 25 minutes in an attempt to get me to disconnect my call. 

If I didn't close my account, I would have been assessed $ XXXX.
Complaint sub-issue: Debt is not yours

Back in XXXX Ive received a bill from XXXX, I called then and explained to them that this isnt my bill and they told me that they couldnt put someone else bill in my name. I filed a police report and found out that the bill belongs to someone else with the same first name, middle initial, and last name as me. The detective have not contacted me back since then and Ive tried calling and still wasnt able to speak with the detective. This year I checked my credit report and seen that the bill was still there. I disputed it over the phone and they havent removed it but they gave me a shorter date for it to close. There is also a address connected to this bill on my report that Ive never lived at.
Complaint sub-issue: Having problems with customer service

Lender has repeatedly missed its own deadlines to review my application to release cosigner. Pursuant to the terms of this private student loan ( bar loan ), loan is subject to co-signer release after 48 months of consecutive monthly payments. I have made these payments. On XX/XX/2017, I submitted a request for cosigner release and was informed that my request would be processed within 10 days. After these 10 days, rather than a substantive response to my request, I was provided with a blank application to fill out, which I did, notwithstanding the fact that it should not have taken 10 days simply to provide me with a blank application. Now, more than 10 business days have passed since I submitted the complete, signed application, and the lender has not responded to my application, even though they stated that all requests would be reviewed within 10 business days. PNC 's intransigence should not be permitted.
Complaint sub-issue: Fee problem

Never was told about regional atm fees and want them all retuned already had some but want them all returned
Complaint sub-issue: Public record information inaccurate

I received a call from phone number XXXX. She stated that I had a debt with US Bank that was from XX/XX/2010 and that they were gon na start to garnish my wages. This is fraud. I have never had an account with US Bank. They have all my information. I would like to know what are my next steps
Complaint sub-issue: Their investigation did not fix an error on your report

I have a Civil Judgment on my LexiNexis report. This judgment has been vacated by the court in question 9 months ago. The report still reflects that judgment as active without any notice of it being vacated. I submitted the dispute in XXXX of 2022 and just got a letter stating that all the data is being reported accurately. I checked and nothing was fixed. This mark is ruining my chances at any rental application.
Complaint sub-issue: Debt is not yours

Hello, I have sent several debt validation letters to hunter warfield and they have also sent the same documents copies of a lease up until XX/XX/XXXX. They also sent a list of charges. On XX/XX/XXXX I mailed and also faxed them a new dispute letter because the amounts they were charging for was XX/XX/XXXX-XX/XX/XXXX. I never received a lease from them which showed the dates hunter warfield was trying to collect for. Hunter sent me new documents which I received XX/XX/XXXX. In looking at these documents it is clear that 1 they have been photocopied in their favor 2 signatures were used and copied from one lease onto another.While the original company XXXX XXXX or Hunter Warfield used these documents to try and collect monies they are not owed when all the steps were taken on my behalf when I gave notice of moving out. They just decided to report to the credit bureaus after 3 years about this debt without any prior notice or a change to properly dispute it before damaging my credit.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX. add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't 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 us 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 XXXXThis 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 XXXX 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 homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Reporting company used your report improperly

Equifax leaked my personal credit information due to improper security protocols at the Company. As a result, my SSN, birth date, address, and other personally identifiable information may have been leaked without my permission. As a result, my identity may be stolen as my personally identifiable is no longer secure.
Complaint sub-issue: Account status

I paid these highlighted bills on time as agreed but Credit Reporting Agencies continued to report them under Negative Accounts
Complaint sub-issue: Other problem getting your report or credit score

I have tried multiple times to pull my credit report with multiple different company 's. I have tried to pull my credit report with XXXX XXXX and was receiving dashes for all of the information. I reached out to the three credit bureaus and they stated all of my information was correct. I waited about a week and tried to pull my report through XXXX XXXX again. Now it was reporting information but said it was last updated XX/XX/2018. I reached out to the three credit bureaus again and they stated all of my information is correct I should not have an issue. I waited another week and tried through XXXX   XXXX again and I had a XXXX score with Equifax but showed I have no credit history. XXXX was showing dahes. I had no score with XXXX. I reached out to all three of the credit bureaus again and they stated they have my social and all of my correct information but XXXX XXXX still is not showing me having any credit at all. I have tried to pull my credit report with all three credit bureaus through XXXX XXXX and received an error stating my social was not correct. I contact all three credit bureaus and they stated that my social is correct. I tried XXXX XXXX XXXX more times and was still not able to get any information. Also, I have tried pulling my report through XXXX   and was able to access my report for Equifax and XXXX but it shows I have no credit at all. XXXX would not let me even access my report. I have done contacted each of the bureaus 6 times and still have no information reporting.
Complaint sub-issue: Personal information incorrect

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX  XXXX I have lived at this address for over XXXX XXXX, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXXXXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Complaint sub-issue: Debt resulted from identity theft

someone called pretend to be me and XXXX did not ask for the pin and they gave out private information and that person called everyday till. I told at & t they where the one that broken the contract and gave out person information, and I left and went some where else, has been about 2-4 years ago. and now they are going to different collection such as XXXX, XXXX, XXXX, XXXX, ENHANCRCRCO, XXXX XXXX XXXX, XXXX, and new one is ERC. I though the case was over three months because there was no movement from XXXX.