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

Good day to all at the CFPB. Thank you for your service. It has come to my attention that I am being discriminated against and treat unfairly by the deceptive business practices of Equifax. On XX/XX/2022 I faxed Equifax my handwritten letter along with a photo copy of my drivers license to verify my identity. I wrote on the letter that I am a victim of Identity theft as a result of the Equifax data breach. I explained the economic hardship this data breach has put my estate in to the Equifax representative. I am being denied basic needs like housing for my personal, family, and household benefit. The representative then told me that I needed to send them a copy of my social security card in order for Equifax to honor my letter. I then explained to the representative that I dont feel comfortable sending sensitive information to Equifax because they are responsible for my personal information being compromised. 
The representative told me that he could not do anything without my Social Security Card. I then asked the representative to see if he could find on file a contract signed by me authorizing Equifax to report my personal information and or a court order. The representative said he could not find either. This is discrimination and a violation of my right to privacy.
Complaint sub-issue: Investigation took too long

On XXXX XXXX, my wife and I requested a credit investigation with Equifax. As of today, well over 30 days have passed, and we have yet to receive a response.
Complaint sub-issue: Their investigation did not fix an error on your report

These two closed fraudulent accounts XXXX XXXX # XXXX & XXXX XXXX XXXX   XXXX # XXXX keep reporting on my Equifax credit report, which i have disputed Eight times already with Equifax, i keep requesting that they remove these fraudulent accounts from my credit report. I sent all Three Credit Bureaus a Police Report back on XX/XX/2019. Concerning these two Fraudulent accounts, I also requested That XXXX XXXX & XXXX XXXX XXXX XXXX provide Me/Equifax Proof of the original contractual agreement and proper Documentation proving ownership concerning these Fraudulent Accounts in my name, which i have not received any information or proof of Documentation concerning these Fraudulent accounts thats reporting on my Equifax credit report ... i have taken so many steps with Equifax to resolve this and to have them Deleted from reporting on my Crdit Report and they have not Removed them yet ... XXXX   and XXXX have deleted these same accounts from reporting on my credit report, I am writing and submitting this complaint for these Fraudulent Accounts to be removed from my Equifax Credit Report Asap. Thank You!
Complaint sub-issue: Problem using the card to withdraw money from an ATM

XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 XXXX ATM withdrawl {$500.00} ( less than 24 hrs later, but different day ) XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 ATM says I have reached my limit for the day, but I have not. 
XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 XXXX TODAY- says I have reached my limit for the day, but I have not. 

So, I called the number on the back of the card, customer service rep says that you can only do one withdrawl in a 24 hr period. I mention my withdrawl history of XXXX to XXXX, less than 24 hours and no problems. They have no response. I said so I have to wait until after XXXX tonight to take my next advance then, as that would be 24hrs since my last withdrawl, they say no, I have to wait an additional 12 hours because I am penalized for trying to take my unemployment money out before the initial 24 hr period was up. I said you do realize that this is my money, my unemployment, I use to feed my family and pay my bills right? Unacceptable, i am ready to call local news station.
Complaint sub-issue: Problem getting report or credit score

Equifax has constantly denied me access to my credit report and credit score.
Complaint sub-issue: Information belongs to someone else

Re :  XXXX   XXXX  finance loan Opened on  XXXX   XXXX ,   XXXX   Talked to the lender many times and have sent a copy of my grandmothers death certificate because the loan is in HER name and still, they have not removed the debt from my report or stopped trying to collect on it.
Complaint sub-issue: Frequent or repeated calls

I have a Macy 's American Express Card. I made a payment on XXXX/XXXX/2016 that was more than the minimum balance due. They applied the payment to the Macy 's Store Account which had a {$0.00} balance. They then proceeded to call me on XXXX/XXXX/2016 at XXXX am from XXXX ( no message ), at XXXX pm from XXXX ( no message ), at XXXX from XXXX ( no message ), and at XXXX from XXXX ( no message ). These are central times. I looked the numbers up and called Macy 's. I was told that when an account is delinquent they can not control how many times a phone number is called.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed 6 unauthorized inquiries with Equifax three different times on XX/XX/2020, XX/XX/2020 and XX/XX/2020. Each time they have responded by providing a result that states " inquiries are a factual record of file access '' and each time, I have rebutted this response by advising I am NOT disputing the fact that inquiries aren't a factual record of file access but rather they were NOT authorized by me. They also advised for me to reach out to the creditors for additional information. However, I've contacted these companies time and time again and they have informed me that they have no open accounts and no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with a permissible purpose. They then direct me back to the credit bureau who again is advising that there is nothing they can do to help me. 

*Please note that these inquiries were disputed over the phone each time. After the second attempt, I requested the credit reporting agency 's method of verification authorizing credit inquiry.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) Account # XXXX - XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

i have tried several times to have the issues corrected and so far nothing has happened
Complaint sub-issue: Information belongs to someone else

I DISCOVERED NUMEROUS ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I WASN'T THE ONE THAT OPENED THESE ACCOUNTS.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX,
Complaint sub-issue: Information belongs to someone else

Looking over my credit report and notice there are some accounts that are paid in full and some that aren't mine. I've included the accounts below that I'm disputing that are impacting my credit report negatively : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

After carefully reviewing my EQUIFAX credit report I noticed that there are several inaccuracies. Amongst these inaccuracies there are 4 credit inquires that I did not authorize, nor do I recognize. The following inquires are as listed along with the dates in which they occurred : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On the dates of  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  I have unrecognized inquiries from the following company :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  I have sent a letter to address listed on  XXXX / XXXX / XXXX  but have yet to receive a reply.
Complaint sub-issue: Can't get flexible payment options

Greetings I am not sure if you can help I enrolled in XXXX college XXXX. XXXX loans are due paid before graduating I became delinquent because it was hard to keep up with XXXX loan before graduation. I was dropped from the program because of delinquent account. After wage garnishment I successfully completed a student loan rehab program and I was excited because now I can go back to school and finish to get my diploma in business. Well in XX/XX/XXXX XXXX college schools have all been shut down leaving me with still a XXXX loan I pay for every month I tried contacting Other schools and nobody wants to accept XXXX college credit units. Do I have a case for relief? I am not sure what else to do because I currently have no options. I have a huge debt burden get paid little money and I do n't have the opportunity to complete my program because XXXX schools no longer exist and no body wants my units? I know it has been years but it took me years to bring this student loan current I went thru wage garnishment and finally I enrolled in student loan rehab and did not complete that until XX/XX/XXXX and them XXXX XXXX took over and now nelnet
Complaint sub-issue: Reporting company used your report improperly

My identity was compromised cc from different companies where used too obtain XXXX  in my name
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXXXXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX  Inquiry from XX/XX/XXXX Bank Equifax Mort Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXXXXXX Inquiry from XX/XX/XXXX Bank XXXXXXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXXXXXXXXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX  Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX Inquiry from AXX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Account terms

XXXX Dispute Number XXXX Dispute Number XXXX An account with XXXX XXXX was settled on XXXX XXXX, 2015, in the amount of XXXX. During the next reporting period, which was XXXX XXXX, 2015 no update to the credit bureaus had been posted. On XXXX XXXX, 2015, I filed formal disputes with all three CRA 's, and within 5-7 days, all three reported my settlement as a single payment, with a derogatory balance remaining. This has further damaged my credit rating. I have attempted to call XXXX, who refuses to update. Also, two of the three CRA 's have stated that their investigation is complete. Not only did the company in question not stick to a written agreement, but my questioning them has lead to them reporting false information, when I physically sent in a copy of the agreement to transunion, with not even a furthur investigation by either of the three CRA 's ; as they deem, to be needed. This appears to me to be a vindictive action of the creditor, being upheld by all three CRA 's, all of which refuse to listen to me. This has hurt my credit rating even further, making it difficult for me to find proper housing ; as, I was left without the home during my divorce. I have settled with several other companies, all of which reported appropriately. I am just asking for the CRA 's to investigate further, which would require XXXX to be honest, and hold them accountable to their settlement agreements. Thank you. Also of note, my payment was sent the XXXX/XXXX/15, scheduled for delivery XXXX/XXXX/15, and picked up by XXXX XXXX/XXXX/15.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21 I have sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. It has been over 30 days they should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, I have fraudulent charges reported to the Citi Visa Card and no actions were taking by the card issuer. I did report stolen credit to the CITI back in XX/XX/XXXX, also police report was filed with the local police department and somehow charges for {$16000.00} still listed on the statement. Please see those charges below : XX/XX/XXXX XX/XX/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
Complaint sub-issue: Information belongs to someone else

My identity was stolen 5 years ago, and since then has been used to open up a number of wireless accounts, credit accounts, and bank accounts. I have worked extensively with other bureaus to clean up my reports but Equifax will not remove these items. 

They have been given the FTC identity theft report, and the police report but these items have remained on my report incorrectly for month. I have filed repeated with success. The remaining unauthorized revolving/collection accounts are : XXXX XXXX/XXXX XXXX XXXX XXXX ( A previously removed account was sold to them ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Who already sent a letter confirming fraud ) XXXX XXXX ( another account for some reason ) The following unauthorized inquiries were also included : XXXX XXXX XXXX XXXX ( I have never had an account ) XXXX XXXX ( Never had an account ) XXXX ( I have never had an account ) XXXX XXXX XXXX ( Never had an account or heard of them ) XXXX  ( Never had an account ) XXXX/XXXX ( Never had an account ) XXXX ( this account was confirmed fraud by them ) XXXX ( this account was confirmed fraud by them )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR EQUIFAX 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 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 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  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information is not mine

I am tremendously offended and outraged at Equifax. Recently, I received a credit score from Equifax and it was significantly lower than I expected. Upon further investigation, the credit report I retrieved subsequently revealed significantly lax controls by the credit bureau, as well as some wild assumptions that tie into potential race issues. When I retrieved my credit report, I found out that for some miraculous reason, both my sisters SSNs were linked to my report. In addition, my birthdate apparently is XXXX, when in fact, is XXXX. Unless I 'm mistaken, I would 've thought that an individual is tied to XXXX single SSN, and not XXXX additional SSNs. This unfortunate situation has led me to appear to be responsible for all credit-related accounts that are not mine, including student loans, a delinquent credit card account, and credit inquiries that I never made. In addition, because all of our names have beginning syllables that are identical, that makes it such that I am the same person as my sisters. Although I attempted to self remediate the situation online via Equifax Dispute Resolution, the button will not let me hit submit - it appears that the system makes it that much more difficult to even self-help. I am resorting to notifying the only potential bureau about this issue that can help escalate and resolve this issue. Any institution that has any reasonable controls should 've flagged the very fact that XXXX person is tied to multiple SSNs for further investigation and independently verify the accuracy. This is a failure on the compliance program of Equifax and I am requesting assistance to get an accurate report - do note that other credit reporting agencies ( i.e., XXXX, XXXX ) do n't seem to have this issue. I am attaching both a credit report for XXXX agencies, as well as a word document that I copied and pasted from Equifax 's website ( which would n't let me submit and froze me out ) for further reference of what my specific disputes are. In addition, I am attaching a copy of my passport and my SSN as evidence of what the accurate information should be. 

On a separate matter, I would also be concerned at the sheer fact that I now know the entire credit history of individuals other than myself, and what potential ramifications that has on the privacy of the effected individuals ( regardless of whether or not they are family members ).
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX. i am the same person who filed a complaint last XX/XX/2022 with complaint number XXXX. I am filing another one to prove that it is me making a complaint against this credit bureau for not responding to the letters I had sent. I will attach the same letter here and hope they will work on it this time, if not then I guess I will need to take it to the next step and seek litigation.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I was researching promotional balance transfer credit cards. Citibank was one of the ones that seemed to have the best offer. After putting in all of my personal information I saw nothing at all about any fees - this is why I chose this bank. 

After running my credit, I get an approval and then it shows a balance transfer fee which seemed extremely high. I immediately called and spoke to a representative and she transferred me to another representative. I explained my frustration and how this was misleading and she told me that there was no balance transfer fee in the promotional period. I asked again to confirm and she said there was no fee. Potentially there may have been a language barrier but she clearly said no fee. 

I then get the card a few days later and transfer my balances. When I get my bill, I see that there are fees and that they were not credited. I called back into Citibank and talked to a representative and she says her manager will listen to the calls and call me back. I receive no call whatsoever. 

I call in again and speak to someone and they say the calls were searched but they didn't find any conversations about fees. The only calls I had were about fees!! I feel like I've been lied to once again. 

He offers to credit me back the fees if I transfer my balances to another card. That was insulting. Also it's simply setting me up for another XXXX. 

Citibank has given me the worst experience. Terrible customer service. Blatant XXXX and very sneaky and misleading advertising that discloses nothing about fees. They know that consumers don't want to continually get their credit pulled, so they don't disclose this information until after they've checked your credit. Then after that, they have representatives that can give you wrong information and as a consumer that does not have the easy ability to record their own calls, you are out of luck. 

Citibank has been sneaky and I truly can not trust them with my accounts. I regret getting myself into this situation.
Complaint sub-issue: Account status

I have a current auto loan with XXXX, which i pay every month and still own vehicle, Equifax keeps putting the loan into a closed status with an outstanding balance on my credit report after several dispute attempts, their response is that is the information they received from XXXX, I called XXXX and they never reported account closed, which XXXX and XXXX show the correct account information on my reports with them, Thanks for any assistance with this matter.