Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

Equifax has an inaccurate hard inquiry on my report from XX/XX/2016 for XXXX XXXX XXXX credit card. I have followed all instructions from Equifax, including submitting a police report and contacting XXXX XXXX XXXX and XXXX XXXX Credit card companies. I have made numerous contacts with all parties and have been assured this would be resolved - but it has not as of this morning! The information reported, when compared to my personal information, proves this information is not consistent with my information - nothing except my name matches any information!
Complaint sub-issue: Information belongs to someone else

Attached to this report is a Identity Theft Report from the Federal Trade Commission. The following accounts and credit inquiries listed on my XXXX and Equifax credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX : XXXX, {$450.00}, XXXX XXXX XXXX  : XXXX, {$110.00}, XXXX, XXXX  XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX XXXX, XX/XX/2022
Complaint sub-issue: Information belongs to someone else

After viewing my report I am very upset that I have found fraudulent item in it. I was a victim of Identity Theft, someone has access to my credit and it ruing it by opening account that I have no knowledge.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXXXXXX  Balance : {$39000.00} XXXX XXXX XXXX Balance : {$39000.00}
Complaint sub-issue: Debt is not yours

This not my account I asked repeatedly for proof regarding this account the complete profile where the signature was provided not a statement I want to know who signed for this account it's been years XXXX  is not investigating the claims associated with the collection on the account I asked the debt buyer for proof of signature who signed for the account nothing has been provided this has been going on for years either provide the proof or remove it
Complaint sub-issue: Their investigation did not fix an error on your report

I am inquiring about removing a few late payments off my credit report. During XXXX of XXXX, I had emergency XXXX XXXX XXXX causing me to miss work for 8 months or so, my Income was severely reduced causing me to fall behind on my payments. Thankfully, Ive resumed work and caught up on all my payments, paid every late fee and have been current without missing a payment for 8 months. Ive asked to have my lates removed due to the hardship I endured and as I stated, all payments were made and fees were paid. I was 30 days late on XX/XX/XXXX and XX/XX/XXXX and 60 days late XX/XX/XXXX and XX/XX/XXXX ... since Ive made every payment on time and have never had an credit issue previously or after those dates. If you could please assist in clearing up my report due to the nature of my situation it would be greatly appreciated. I take full responsibility for the lates and have set auto payments to avoid any further incidents.
Complaint sub-issue: Account status incorrect

I have a loan with XXXX XXXX and was making my payments and making them on time. One day I was notified that my payment went from {$64.00} per month to {$600.00} per month and the new payment was effective immediately. I called XXXX and was told my payment went up because my income changed.I explained to the rep that this was incorrect and not my income had not changed. I made several phone calls only to be told I had to make the {$600.00} per month payment. I was unable to make this amount of a payment and this caused my account to become overdue. I called many times trying to get an understanding but to no avail thus causing XXXX to report the delinquency to my credit bureaus. After several months of the negative reporting I called XXXX again and this time I spoke with a representative and after being on the phone with her for several hours she said the problem was their mistake because they had listed my income incorrectly. She said they had my income listed as weekly instead of the fact that I got paid monthly. I asked if this could be corrected on my credit report since they had made the mistake and she said it should not be a problem but that was handled through another department and emailed me the form to submit. I submitted the form only to receive a response that my dispute was denied. I was not give an explanation and according to their policy I am unable to speak with anyone via phone about this issue. I am requesting that my credit report is corrected.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Investigation has taken more thank 30 Days, I haven't been provided with proof that the debt is valid. Nor have I've been provided with a sign copy of debt proving that I am in fact in-debt to said companies.
Complaint sub-issue: Information is missing that should be on the report

I received a letter from XXXX XXXX, XXXX XXXX XXXX, stating that they do not service an account that is listed as a trade line on my consumer report. I have submitted a dispute with Equifax and they refuse to delete. According the FCRA, XXXX FCRA XXXX XXXX b ) ( XXXX ), this item must be deleted from my file.
Complaint sub-issue: Problem getting your free annual credit report

On multiple occasions ( 4 to 6 times ), both my wife and I have been unable to get copies of our credit reports from Equifax through the website XXXX. After entering our information and answering the security questions, the process always fails with a generic error message " unable to give a credit report at this time. '' We have then restarted the process and then have successfully received credit reports ( through XXXX ) from XXXX  and XXXX. 

But on multiple times and with 2 different individuals ( for my wife, and separately for me ), we have been unable to receive a credit report from Equifax through XXXX, and then have been able to successfully receive credit reports through either XXXX  or XXXX. 

The most recent occasion that this failed was on XX/XX/2020 ( for both me and my wife ), I commented on this problem via feedback at XXXX. They sent me letter indicating I should contact the credit reporting company directly with any difficulties securing a credit report. 

I contacted Equifax by phone and they agreed to send me a copy of my credit report by mail and they would investigate the problem I had. The agent I spoke with had a noticeable accent and there was significant office noise in the background, and the agent had difficulty hearing/understanding me.
Complaint sub-issue: Debt was paid

MRS Associates put a already paid account from XXXX XXXX XXXX  on my credit reports on XX/XX/XXXX. This account was paid in full over a month ago in XXXX directly to XXXX XXXX XXXX so I never owed this debt to them ever. This is illegal and in violation of the FDCPA. This account should be removed not updated.
Complaint sub-issue: Information is not mine

I want Equifax to review the attached letter to this complaint from the Minnesota Department of Human Services. The following account do not belong to me and is the result of identity theft : Minnesota Department of Human Services account ending:XXXX. I want the account deleted from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I am filing this complaint because EQUIFAX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Personal information incorrect

My current address is wrong on all the credit reporting agencies. It says I live in an apartment and I do not, I live in a house. But you ca n't just correct the home you are living in currently. The current address they have listed is correct, but it has an old apartment number associated with it.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file an FTC and CFPB ASAP!
Complaint sub-issue: Problem with customer service

There is no way to receive Citi replies in writing other than sending a letter by regular mail. 
Online I have the following options : - Chat : it shows unavailable - Call : not interested because I need the reply in writing - Mail : just absurd to send a letter for an account-related simple question Unfortunately, being a bank that is not providing any way for me to clarify questions electronically, I'm forced to open this complaint, and will open more if new questions come up and I find no way to contact Citi in writing. I refuse to send regular letters for this kind of questions. 

First question is : why? why not provide a secure message center where I can send a question? There is a secure message feature but only to read messages, not to send ( how convenient ... ) Other questions : - When I try to use the Virtual Card number feature on the website, I receive : We're sorry, we're having technical issues and the system is temporarily unavailable. Please try again later. We apologize for any inconvenience and appreciate your patience. If you continue to receive this error, please call XXXX refer to Error Code [ XXXX ]. 
- I'd like to know the date in each my ThankYou card was opened, and also if and when I'm eligible for the sign up bonus of the new Rewards Plus card. I received the offer to convert my current card, but then I don't receive the welcome bonus. I prefer to wait until I'm eligible ( if I'm not already ) to apply for the card. I believe there is a 24-month wait time since the last ThankYou card was opened. Please confirm all that. 
- I opened a return protection onXX/XX/XXXX. Only on XX/XX/XXXXI received a reply, saying my account ending in XXXX could not be located ( it was recently transferred due to unauthorized transactions to a new card ending in XXXX ). They did not simply ask about the new account - they asked me to resubmit everything again, which is an absurd. They should be able to check the previous account anyway. I resubmitted everything the next day (XX/XX/XXXX ), and have not heard back yet. Slow, ineffective benefit. 

It seems you are not paying attention to your customers based on the issues reported above XXXX lack of a place to send messages, errors when using the account features, slow and ineffective benefit ).
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 .This 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 n 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Trouble with how payments are being handled

Without explanation, notice, or legal authority, XXXX XXXX is now refusing to process electronic payments. This is an illegal and transparent attempt to unlawfully accrue additional interest payments.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have sent in numerous dispute letters and validation letters to Equifax Information Services, LLC. Equifax Information Services, LLC does NOT investigate XXXX XXXX XXXX Equifax Information Services , LLC sends back a letter stating that the account was verified. I then send in a letter to see how the information was verified and I never receive a response back. The law states that the consumer has the right to request validation. 
The Fair Credit Reporting Act 15 U.S.C 1681 is the written law and Equifax Information Services, LLC is breaking the law by not abiding.
Complaint sub-issue: Information is missing that should be on the report

XXXX - XXXX {$0.00} Balance updated XX/XX/2020 Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/2020 Account type Revolving Usage : 0 % Balance on XX/XX/2020 Credit Limit {$0.00} {$25000.00} Payment Info Status Pays account as agreed Status date XX/XX/2020 Past due amount - Highest balance $ 67 Monthly payment - XXXX {$0.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2020 Account type Revolving account Balance on XX/XX/2020 Credit Limit {$0.00} {$8000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/2020 Past due amount {$0.00} Highest balance {$7300.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 - - - - - - - - - - - On Time - Data Unavailable
Complaint sub-issue: Application denied

I applied for a CIticard on XXXX XXXX. They could not verify some information so they did not approved me but called me from two different numbers with instructions to call them back. The first number they gave me was XXXX and they gave me access code end in XXXX. When I called back the automated system could not connect me to anyone despite waiting a long time and then told me no one was available and disconnected me. They called another time from a different number and also left a message for me to call XXXX with my application ID and a security code. When I tried to call them the recorded message said they could not approve me, which was why I was calling, told me they were sending a letter and then disconnected me. At no time on either call did I get the chance to speak with a human to clear up the issue. This is horrible customer service and may be a great reason not to use Citicard for anything in the future. However they have now put an inquiry on my credit which will reduce my score and the reason they couldn't approve me is because they are confused about something. Clearly confusion reigns supreme at Citicard! This was likely due to a recent move so they wanted to confirm my address but I can't do that unless I speak to someone! This company is misleading the public and has terrible customer service.
Complaint sub-issue: Reporting company used your report improperly

I Am a PROTECTED CONSUMER. I know my rights. I sent this company a official statement letting them know that I was a victim of identity theft. there were to remove these fraudulent items 4 days after receiving my statement on XX/XX/2021, but these items are still on my credit report. I feel violated and there are FCRA LAWS in place to protect me against this abuse .I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. DO NOT USE THIS STALL TACTIC " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' If you try to use this stall tactic, then I will use it as evidence in litigation.
Complaint sub-issue: Didn't receive enough information to verify debt

My husband and I had a modification done on our home in XX/XX/XXXX, my husband developed some health issues and could no longer work his part time job, we were happy to learn that we could qualify for a modification to bring our home mortgage down, unfortunately we were not given the full understanding of what this would entail. We are in our late XXXX 's and needed to refinance, we learned that the mortgage company has a lien on our title for XXXX XXXX dollars!! We believe we were duped by Midland Mortgage, we really thought that they were interested in helping us with this, but behind the scenes they used HUD and us to get funds that really benefited them. I have spoken to both the mortgage company and HUD, according to HUD it is all based on the mortgage companies standards for this amount. Had we been thoroughly informed that we would have been responsible for an amount like this we would not have gone through with this modification, they only lowered the bill by {$100.00}!!. I do not believe we should be responsible for paying them this money..Thank you, XXXX & XXXX XXXX
Complaint sub-issue: Account status

I am the author and owner of all communications withing this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validility of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed Please Validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.
Complaint sub-issue: Debt was result of identity theft

I was a victim of identity theft, according to what the bank stated to me the victim was arrested, they refused to give me anymore information.
Complaint sub-issue: Not disclosed as an attempt to collect

My complaint does not actually fit into any of these categories. It is a complaint against XXXX Bank, financing via XXXX. XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX. I feel that Conn 's was not clear in communicating the terms of the finance deal and XXXX is also guilty of the same and also of preying on consumers by applying higher than usual interest rates for products purchased through financing.
Complaint sub-issue: Information belongs to someone else

have contacted all 3 major credit bureaus to get accounts removed due to ID Theft along with police report and ID Affidavit and they refuse to reinvestigate, remove or block inaccurate information reporting these accounts are : XXXX XXXX   XXXX, XXXX  XXXX XXXX  , XXXX , XXXX, XXXX , XXXX XXXX,  XXXX  ,, XXXX XXXX , XXXX  , XXXX XXXX, XXXX  , XXXX XXXX, XXXX XXXX, XXXX  , XXXX XXXX , XXXX  , XXXX XXXX  and XXXX XXXX .
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX OF XXXX XX/XX/2022 ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00}.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2022, I signed up for an Albert account. After opening my account, I referred two individuals who proceeded to open accounts on XX/XX/2022 and XX/XX/2022. These two referrals were conducted under a promotion where both parties would receive a {$500.00} bonus after meeting basic terms such as establishing a direct deposit and making debit card transactions. While I did ultimately receive my own bonus for opening my own account on XX/XX/2022, I never received any bonuses for making the referrals I made after my account was opened. After realizing this, I reached out to Albert on XX/XX/2022 to advise them of this issue. They advised that these individuals did not use my referral link which is not accurate in nature.