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

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon investigation of my credit reports I ran across the following unauthorized inquiries. I have already disputed the inquiries and Equifax, XXXX and XXXX stated that the inquiries were validated despite me sending in identity theft report. I did not authorize or make the following inquiries please remove from my credit reports : XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX CARD SERVICE XX/XX/XXXX XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

Cash App advertises that they can receive my direct deposit 2 days early. Instead I am being informed that they will be holding it up to 5 business days, meaning I'm being paid a week late. Their customer service department has been giving me the run around all day. No one can actually look into or solve my issue. My reputation will be damaged by not being paid on time by them, and I will also incur late fees on my bills.
Complaint sub-issue: Problem making or receiving payments

cash app has my personal funds held. it won't allow me to send or use any funds. i reacted out to them and sent multiple emails and no response
Complaint sub-issue: Didn't receive enough information to verify debt

I disputed the debts and received bills. This is not sufficient validation.
Complaint sub-issue: Their investigation did not fix an error on your report

Filled FTC report sent copies to all three reporting agencies XXXX, XXXX, Equifax XXXX is the only credit reporting agency that cleared all of the identity theft XXXX, Equifax have not even after I sent copies of the police report to them and told them the personal information other than my name and Social security number was the only correct information they still refuse to remove a false address and a false phone number that was used in a fraudulent personal loan that shows up as an evening evening contact number to be called if someone tries to access my credit and they are unable to contact me at the only contact number I have or have provided to them this number shows up as an evening contact number for me on my fraud protection alert and XXXX will not remove this number after I demanded they remove it immediately and they are also saying that several of the creditors are reporting the false name address email phone numbers etc as being being correct when they were falsely given to the creditors to obtain credit cards and loans and the two credit Bureaus in question deam them to be correct according to their investigation and they are not
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I submitted a complaint due to a request submitted to Equifax to verify late payments on the following account : XXXX XXXX. Due to not receiving a response, I submitted a complaint. To date, I have not received any verification documents to prove that this account was ever late! Equifax instead closed the case stating the creditor verified that it was late & that I would receive documentation verifying this which I have not. 


Late payments in question : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Problem accessing account

I am trying to link my PNC Bank account to my XXXX Investing Account and it wont allow me to connect. An error message stating PNC wont allow links with XXXX.
Complaint sub-issue: Debt is not yours

I received notification today that a collection was added to my credit report in the amount of {$630.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports This is a violation of my rights and I want this alleged debt removed from my credit report immediately
Complaint sub-issue: Reporting company used your report improperly

XXXX, Equifax, XXXX  and their 3rd parties nonaffiliates are sharing and using my nonpublic personal information without my consent. Causing harm to not only my reputation but invading my federally protected privacy by violating the Fair Credit Reporting Act and Gramm Leach Bliley Act while doing so. SEE ATTACHMENTS
Complaint sub-issue: Called after sent written cease of comm

I initially sent a cease and desisit request to XXXX and at this point am unsure if they received it. Received a call today for XXXX and called back and a XXXX XXXX picked up. Wanted to know why I was callling I advised her to advise them to cease and desist. XXXX XXXX then transferred me to XXXX. XXXX verified last XXXX of my social security number and I then asked me why I was calling. I advised her that I wanted to them to cease and desist any calls to me. XXXX then stated that they could only cease and desist if they were calling my POE ( place of employment ). She inquired on whether I was filing bankruptcy, I told her " no '' as I previously informed them that I was filing XXXX XXXX. I am tired of dealing with this company. Clearly the afent is unaware of a cease and desist as she asked me what I meant. Their collection tactics are tacky.
Complaint sub-issue: Attempted to collect wrong amount

The account was closed in XXXX for {$510.00} and they just opened this collection against me in XXXX of XX/XX/XXXXand are demandingi pay {$1400.00}
Complaint sub-issue: Other problem getting your report or credit score

I have tried several times to contact equifax through online and phone only to have them redirect me to the other. They have failed to provide report or discuss past disputes yet continue to report information to creditors that I am trying to dispute as inaccurate. They do send a code to access the report but after you put it in they tell you to call and then offer to mail another code. It has been run around after run around for month to no avail. The numbers are useless, the website is useless, and the mail is useless.
Complaint sub-issue: Contacted me after I asked not to

On XXXX/XXXX/15 I sent a cease and desist letter to One Main. They have violated this request by continuing to call me XXXX times a day, for the whole month of XXXX.
Complaint sub-issue: Problem during payment process

Macys department store has not come clean. I have two accounts and no credit cards! Its been some years maybe 8 since I had and used the XXXX XXXX/Macys card. They contacted me and stated they were no longer using XXXX XXXX-backed macys cards but would send a replacement. XXXX have used it once or twice. But since misplaced and called and received a new card. Now when I happen to be in the city I use my ID for the XXXX purchases. This year I have had a balance each month I pay off in full. I try to use the automated teller but I am unsuccessful each and every time because the robotic voice transfers me to a person to pay and I am charged a {$5.00} fee. I want to fight any fees charged because I put in my social security number and I get nowhere. They say I have no account number or the wrong account number. I received a notice for another account about changing the policy on late fees. I am unable to get clarity on my account or any accounts associated with MY social security number. The calls are routed to another part of the world outside the XXXX XXXX where I cant get satisfaction of oversight or assurance,
Complaint sub-issue: Problem with paying off the loan

ALORICA, INC HAS BEEN REPRESENTING XXXX ON A LEMEON LAW CLAIM AND HAS FAILED VIOLATING THE ARKANSAS DECEPTIVE PRACTICES ACT XXXX
Complaint sub-issue: Information belongs to someone else

A family memeber of mine opened a loan in my name without my knowkledge or consent online with Moneylion. They were allowed to open the accoutn online by Moneylion without verifying identity of the person opening the account, no signature was oobtained or compared to the drivers license to verify the identity as well. I didn't know this accoutn was opened in my name until I check my credit report In XXXX. When I saw this accoutn on my credity I called to figure out what it was. I was told there was a balance on this account and that it couldnt be removed from ym report until i paid it, which I paid out of my pocket to get it remioved. I filed muiltiple disputes with Moneylion. I have contacted Moneylion multiple times to get this rectified and they refuse to do so.
Complaint sub-issue: Public record information inaccurate

Requested copy of XXXX Report to show bankruptcy is not on credit file. XXXX, XXXX, and Equifax advised they receive information regarding Public record from XXXX. Sent dispute to XXXX, Equifax, and XXXX  regarding the information on credit file is incorrect. They advised the information is correct. Ordered another copy of file from XXXX XXXX and sending information over to CFPB to address the inaccuracy of information regarding public record on my credit report.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, I XXXX XXXX, a real person, called Equifax. I was directed to the their Specialist XXXX. I expressed they were reporting inaccurate information on my credit profile. The initial dispute was regarding my car loan from XXXX XXXX XXXX. The account # for the late payments is # XXXX. She gave me the confirmation for this dispute as # XXXX. XXXX XXXX stated I had been late in the past on my car payments and that she could proceed with the dispute but it will not guarantee it will be removed. Well I am now aware of my rights and this is a clear violation under the FCRA, under 15 U.S. Code 1666b ( a ). This law states : Time to make payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor ( ME ) has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. A credit card is defined under 15 U.S. Code 1681a means ANY CARD, PLATE, COUPON BOOK, or either credit device existing for the purpose of obtaining money, property, labor, or services on credit. I had to give my Driver License to proceed with the purchase of the vehicle, which is a CARD in fact. Please remove this inaccurate information as it it damaging my credit worthiness to lenders, as I am in the process of purchasing a home. If this is not removed, I will seek remedy under 15 USC 1681n for damaging my credit profile. We all know what I can sue for so just delete the items. I would also like a letter stating it was deleted and it be sent to the correspondences to email : XXXX.
Complaint sub-issue: Reporting company used your report improperly

Equifax was the target of a security breach and millions of Americans and their personal information was compromised on XXXX/XXXX/2017. My information was a part of this hack as well, which may or may not include information such as my name, address, social security number, etc.
Equifax, while victim of a hack, did not take adequate measures to protect the information of millions. It is a breach of trust that such an incident could occur. Users have noticed that Equifax used poor methods of protecting said information, or showed easy ways to get around their encryption process.
Complaint sub-issue: Information belongs to someone else

Fraud. Equifax and XXXX data breach. Accounts are not mine. Identity theft.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have had a Best Buy credit card for years. I made a promotional purchase that, due to unforeseen issues, I was not able to pay in full within the timeframe. So when it expired, all accrued interest was added to the account, making to balance go over the credit limit. Instead of doing like most credit cards, blocking the card until balance goes below the limit over a period of time while accruing interest, they make the full overage amount plus principle due on the next payment. My payment went from {$150.00} a month to {$1200.00}. There is no where in the disclosure that says that will happen and is Unfair, Deceptive, and Abusive practice. Furthermore, it completely goes against the Fair Lending laws, in which no cost of debt is provided. I entered a settlement with Citibank to pay the card off in XX/XX/2020. However, COVID19 hit, my wife lost her job and I lost half of my income. I ask to extend the payoff, and the manager says that due to fair lending, they can not. Fair lending has NOTHING to do with a nationally declared pandemic. There is no reason they can not extend the terms of the settlement. I need to feed my family. There is absolutely no reason that Citibank can not postpone the settlement payment at least a month or two. That does not, in any way, violate any fair lending laws. In fact, quite the opposite. Instead they want to be greedy. They could never, to this date produce an accurate statement, regardless of how many times I asked. This bank needs to be looked at for IDAAP violations and CARES Act violations. The deceptive trade practices are, proven in court, illegal and it is time they are held accountable.
Complaint sub-issue: Debt was result of identity theft

DISCOVER BANK keeps to to collect and report information on a fraudulent account. 

See Attached.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, has violated my rights. 


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

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 



XXXX5 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 The following accounts are all fraud and need to be deleted from my credit file immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$750.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$720.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX   ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses asis. 

Thank You Sincerely yours,
Complaint sub-issue: Card was charged for something you did not purchase with the card

I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident.
Complaint sub-issue: Banking errors

Hi CFPB, I opened checking and savings accounts with CitiBank in XX/XX/2019 with the premise of receiving a { {$400.00} } bonus if I maintain { {$15000.00} } for 60 days, and an additional { {$100.00} } if I receive a direct deposit during those 60 days. I have completed both tasks in the specified amount of time but have yet to receive my combined { {$500.00} } bonus, despite reaching out to CitiBank who let me know that this would be deposited " soon ''. This has been the promise during multiple calls. No other stipulations were described in the terms and conditions of the offer and I followed the directions of the offer and completed the required tasks as mentioned above. I am not pleased with the bank offering this promotion but not honoring the terms of the promotion, could you please look into this and assist? Thank you very much for your time.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX for, {$930.00} 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 instruction. 



In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX XXXX for {$140.00} 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 instruction. 



In accordance with the Fair Credit Reporting Act XXXXXXXX  account # XXXX XXXX, XXXX XXXX for 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. A section 604.A.2 It also states a consumer reporting agency can not furnish a account without my written instruction. 



In accordance with the Fair credit Reporting Act XXXX  account # XXXX XXXX XXXX bord for 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.2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint today to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX  Balance Owed : {$55.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX Balance Owed : {$74000.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and XXXX XXXX XXXX. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Regards.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed multiple inaccurate accounts that I do not recognize that they are reporting to my credit report and they failed to send my investigation results and it has been more than 30 days! They continue to report false information to my credit file and hurting my credit rating!
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I received a telephone call from D2 management the week of XXXX about a XXXX XXXX debt that is from XXXX. I explained to the debt collector that I will not be paying the debt because it was an invalid debt then and it is still an invalid debt now. I also explained with the age of the debt there is no reason for me to resolve because I have more recent things on my credit that I need to clear up. I then explained that I wanted communication to cease and desist. The call ended. Yet they proceeded to place another phone call on XX/XX/XXXX with a voicemail left for me. The voicemail never stated the company name or that it was a call from a debt collector. When returning the call I realized it was the same company. They acknowledged that I advised not to call a week prior. I requested the recordings in which I was denied.
Complaint sub-issue: Investigation took more than 30 days

I noticed that I was docketed XXXX points from my credit report for disputing alleged debts. I did not receive a reason for the taking away of the point. I like the increase back of my XXXX points docketed without explanation, as required under the Fair Credit Reporting Act.