Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have been contacting Equifax, XXXX and XXXX since XXXX XXXX, 2017. My information has been compromised as a result of the security breach. I have place fraud alerts on my reports to avoid any more fraud usage on my report. Someone is still using my identity and have been applying for credit under my name and social I have spoken with several employees in regards to this matter and I have been told that there is nothing that can be done to help me. I have sent in Police reports, documents showing that I was incarcerated during the time of most inquiries, a complaint letter from the fcra and there is no resolution, I am continuously being told they have not received my information. I sent all documents by fax, upload, certified mail and they will not help me.
Complaint sub-issue: Reinserted previously deleted info

I HAVE DISPUTED THESE ITEMS TO BE REMOVED BE OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE XXXX OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.Under the Fair Report Act, you are required to comply. My address should be listed as XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX. The following addresses are not mines please delete or remove them from my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX I am a victim of ID Theft I have accounts from credit card companies that I do not recognize showing on my credit report. I currently live in XXXX  and I was in the process of moving to XXXX  from XXXX XXXX  and I believe I have been compromised.
Complaint sub-issue: Trouble with how payments are being handled

Access Group is incorrectly classifying a payment as late, when it occurred on the very month that my loans were transferred to another servicer. They are using it as an excuse to deny me a lower interest rate.
Complaint sub-issue: Investigation took more than 30 days

I have disputed the validity of 7 different accounts with Equifax by mail. The accounts are still being negatively reported on my Equifax credit report even though all of the creditors have and are violating the FCRA. Proof that the creditors did not validate my debt was sent along with a letter requesting that Equifax investigate and delete all accounts being reported incorrectly or not being validated. The letter and proof was sent on XX/XX/XXXX directly to Equifax headquarters, and was received on XX/XX/XXXX. No response from them has been received and it is well beyond 30 days. My credit report also still shows all of the negative information that can not be validated.
Complaint sub-issue: Information belongs to someone else

FRAUDULENT/UNAUTHORIZED INQUIRIES ON CREDIT REPORT. I HAVE REQUESTED THE UNAUTHORIZED ITEMS BE REMOVED AND THEY STILL REMAIN I DEMAND THIS INACCURATE INFORMATION BE REMOVED FROM MY REPORT IMMEDIATELY. ATTACHED IS A COPY OF MY FTC REPORT. IF THIS INFORMATION REMAINS ON MY REPORT I WILL EXECUTE MY RIGHT TO THE FULL EXTENT OF THE LAW AND SUE EQUIFAX FOR REPORTING INFORMATION THAT VIOLATED MY RIGHTS UNDER SECTIONS 609 OF THE FCRA I DID NOT MAKE THIS INQUIRY : 1. XXXX  XXXX XXXX  XXXX 2. XXXX XXXX XXXX  XXXX 3. XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

XX/XX/XXXX my Equifax report was wiped clean. a glitch in their system removed everything and was later reinserted. They did not provide me with a 5 day notice it was reinserted on my report. And I know that 's they 're supposed to do this before reinserting anything! I want everything that is negative to be removed from my report! I am giving y'all 15 days to get this handled! I have proof that everything was deleted! I will be adding that to my complaint! I also contacted the. About it and they said I had no file just only three accounts that were readded. And they do record phone calls.
Complaint sub-issue: Investigation took more than 30 days

Per complaint # XXXX already filed with CFPB Equifax was to complete its investigation within 30 days. The date of this correspondence was XX/XX/2019. To date I have received no further information or update regarding this. I have supplied previously my letter directly from the creditor showing that I do not even have a debt with them. I will attach it again here. This is absolutely ridiculous!!! 

Please obtain a response from them. I have been working diligently for 2 years trying to get Equifax to update this information and they have failed me for 2 years. 

Please help or I will be force to escalate this even further. 

Thank you
Complaint sub-issue: Didn't receive services that were advertised

I received the attached documents in the mail today. This is the 2nd time that I have received documents claiming a security breach. The 1st was from some eye service business, which I never heard of before & this one is from XXXX, also unknown. Both inquiries included credit reporting agencies.
Complaint sub-issue: Debt was result of identity theft

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from Equifaxs XXXX XXXX. MY CLAIM NUMBER IS XXXX XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : THESE ADDRESSES. 
XXXX XXXX XXXX, XXXX, GA XXXX ACCOUNTS- XXXX, XXXX XXXX {$1400.00}, Opened XX/XX/2020, MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON XXXX BECAUSE I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. 
PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

*** I HAVE BEEN TRYING TO DELETE THESE ADDRESSES AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about accounts nor companies that I am disputing. 

By law, Part of my Compensation approves, XXXX years of specially negotiated, three-bureau credit monitoring and identity protection XXXX XXXX XXXX and XXXX additional XXXX years of one-bureau credit monitoring and identity protection services through Equifax XXXX The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement A copy of section XXXX of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.
Complaint sub-issue: Problem with fees

On XX/XX/XXXX, I logged onto my Citibank account and sent a secure email message to their live chat representative asking for a payoff on my closed card. I had no response so I called Citibank customer service XXXX requesting a payoff on my closed credit card ending in XXXX. 

The woman I spoke with laughed and said she can tell me only what she sees but can not make those authorizations. I asked for a manager or supervisor and she responded " They'll say the same thing I did ''. I asked her what happens when I pay off the account and if it will be closed permanently. She said " well its already closed so I don't know what you're talking about. '' She was pretty condescending. She ended with saying that she can not promise a payoff and still did not want to transfer me to a supervisor or manager. I have decided to reach out to your corporate office to assist. 

I sent an email to the Citibank Corporate office to : XXXX XXXX, XXXX. I then received a call from XXXX at the Citi Executive offices on XX/XX/XXXX from XXXX XXXX XXXX XXXX to discuss this. I asked for a payoff several times. I was never given an actual payoff and he only read what was the full balance on line which was {$3500.00}. He explained that it should be fine but he can not tell. I asked why I cant get a formal payoff after I requested it. I explained that I asked several time to the customer service rep and she basically denied my payoff request by not giving me a dollar amount. XXXX could not locate this conversation. I asked if this would be paid in full and he said yes but if it shows a few dollars of fees on the next statement he would write it off. 

On XX/XX/XXXX I paid the balance in full and was displayed a XXXX  balance. From that point I did not hear from Citi. My due date was showing XX/XX/XXXX so this was considerably before that due date. 

Today, XX/XX/XXXX I received a statement from Citibank for {$2.00}. This is ridiculous because I paid the balance in full, Citi denied me a payoff quote after several verbal requests and one written request on line. At this point this should be a XXXX  balance.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I need to file a complaint on behalf of discover card I received a pre approve credit noticed in mail so I applied for the card and got denied. the advertise information stated that I was approved I reached out to discover reconsideration line this morning to find out why the rep was so rude and nasty Saying whatever this whatever that this is a very unprofessional bank and the way you conduct business. I'm not the least bit concerned about getting an account with discover if the services is going to be this way. But however since discover sent in fraudulent noticed I asked that you delete that inquiry from my credit report. I'm not talking about the soft pull I'm talking about the hard pull please delete ASAP
Complaint sub-issue: Account status incorrect

I called and request to have to account closed and closing bill issued to me on XX/XX/2023 the company bluntly and flatly stated that I could not request the account closed/ cancelled. I advised them that after the XXXX of XXXX I have no access to the card because I threw it out and attempted to closed the card down they bluntly refused. They used deceptive practices in clarification of what type of account this is. I explained that because I did not have the card I was not sure of the transactions and that I would like to report it lost or stolen they refused. The company on recorded like stated I had no right to close the account request/ report a card lost. I disputed the account as well because I requested the account closed in five different calls. The company then refused to provide me the bal owed via email or mail stating I had the balance owed. I was also mocked on the calls and laughed at on the line with team members XXXX, XXXX, and XXXX ( supervisor ) all and the XXXX Az Call center who stated that I could get no further resolution or escalate the call and no matter how many times I called they could not be escalated and there was no further supervisors or supervision for their department leading to this complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

I moved out of my apartment at XXXX XXXX XXXX XXXX in  2016. I made all final payments and the management company at the time, XXXX XXXX, claimed that I owed move out fees and costs. The management company then entered a judgement against me in the amount of {$4300.00}. I appeared in court on XX/XX/2016 and the plaintiff 's claim for rent and fees, was dismissed. This debt was then sold to the collection agency, XXXX XXXX XXXX. XXXX XXXX XXXX has been reporting this debt on all 3 of my credit reports, since XX/XX/2016, after the case was dismissed. I attempted to dispute this inaccurate debt, with all 3 credit bureaus and the collection agency. All parties claim to have verified this debt as accurate and continue to report this untrue debt. I called XXXX XXXX XXXX and was told by a very rude rep named XXXX, that my case dismissal was only to stop an active eviction. I advised the rep that I was never evicted and this case has been dismissed in 2016 under the court of law. The rep then told me that I in fact owed this debt, without even providing proper proof of said debt. In addition, to me not legally owing this debt - there are several reporting errors found, such as date opened and date of last activity, just to name a few. I am demanding a PROPER and COMPLETE investigation.
Complaint sub-issue: Reporting company used your report improperly

All 3 credit reporting agencies are reporting information inaccurately, this is information was never verified by me as the individual or the source in which they have listed on the report. Therefore this is unfair reporting and a violation of my rights to privacy according to the Fair credit reporting act and the privacy act of XXXX XXXX XXXX XXXX
Complaint sub-issue: Application denied

On or around XX/XX/2022, I applied, over the phone, for a business credit card through XXXXXXXX XXXX. The customer service person, " XXXX '', asked a series of questions after which, based on my responses, she advised she did not foresee any reasons for denial. XXXX advised she would called me in 1-2 days to advise of the status. After about XXXX XXXX weeks had passed, I called to follow up, as I had not heard back from XXXX. I spoke with another bank representative who advised that my application was denied ; however, could not give a reason, and advised me to wait for the denial letter. When I received the letter, I called XXXX and spoke with XXXX regarding my concerns that I was denied for reasons that did not apply to me. XXXX then advised that the reason for denial was probably due to my credit score not meeting their minimum XXXX requirement, and that my score was reported to be XXXX on XX/XX/2022. I pointed out that my credit is monitored by my bank and at no time during the past several months was my score below XXXX ; however, XXXX insisted this was probably the reason. I know that some lending institutions have discriminatory practices, and I just want to be sure that I was not a victim of same.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The following Item is being listed on my credit report. 
THD/CBNA XXXX I am requesting verification under the XXXX Section 609 ( XXXX ) ( XXXX ) ( XXXX ) that they verify by providing a copy of the original documentation on file to certify that this information is mine and is correct.
Complaint sub-issue: Application denied

I am the consumer, original creditor and natural person. US Bank has denied my right to credit as I applied for a XXXX XXXX XXXX XXXX XXXX credit card account in XX/XX/2022 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), US Bank violated federal law by denying my credit application. US Bank also discriminated against me pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, US Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX : {$580.00} XXXX  XXXX : {$460.00} XXXX XXXX : {$710.00}
Complaint sub-issue: Was not notified of investigation status or results

I called and spoke with a representative at Equifax on XX/XX/XXXX. I requested the results for all disputes submitted after XX/XX/XXXX. The representative stated he was able to provide results for some but unable to provide me results for all disputes. I asked " does that mean Equifax does not have the results for these disputes '' and he responded " it is possible that is the case ''. I demand Equifax provide me with complete and accurate results for all disputes filed after XX/XX/XXXX including but not limited to the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

I spoke To a representative from XXXX MasterCard through XXXX XXXX. They put me in a deferment plan due to covid where I wouldnt Have to pay for two months, no fees and no derogatory marks on my credit report. Two months later I get spamming calls every single day regarding the payment before it was due. And they reported to the credit bureaus that I missed Three months of payments even though I have Proof I paid The third and fourth month with them. I want These lates removed and all late fees associated as well as my credit score fixed. This prevents me from any lending I want To do regarding buying a house or getting a credit card to transfer balances or even consolidate my debt. Ive spoke to them multiple times and filed mutiple disputes with XXXX  and equifax
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX  XXXX XX/XX/2020 {$1200.00}
Complaint sub-issue: Debt is not yours

This Account was open XX/XX/2020 The Collection amount is {$620.00} it have been two late payment XXXX XXXX, saw it in my credit report and I never had open this account Credit Report Period XX/XX/2020 I call the creditor and they say is a cable company the company Name is XXXX XXXX # XXXX THIS COMPANY IS IN XXXX XXXX AND I LIVE IN New Jersey. 


I.C. SYSTEM, INC XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX
Complaint sub-issue: Debt is not yours

The debt charge off on my credit report from this company is inaccurate, not reporting across all 3 bureaus, and does not belong to me. I am completely misinformed about this account.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX  and XXXX fail to properly do a thorough investigation on my dispute.
Complaint sub-issue: Deposits and withdrawals

I lost my debit card ordered a new one. On the app it forced me to show my License because my account was locked now. I emailed support and sent them a picture of my license, multiple pics of me, my social security card, birth certificate, and a picture of my Veterans ID and Ive been emailing them all of this information from the email I have on file with them. Theyre holding my money and wont give me access to my funds.
Complaint sub-issue: Their investigation did not fix an error on your report

As a consumer on multiple instances I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have simply requested original hard copy documentation, fully and totally verifying that all negative items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the negative items to remain on my credit report after several letters damaging my credit worthiness. The items therefore should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). XXXX, Equifax as well as XXXX   are all in violation of the FCRA ...
Complaint sub-issue: Trouble with how payments are being handled

I am writing this formal complaint as I have asked FedLoan Servicing to review my case to include past payments made under the income based repayment plan. I made several payments listed in the attachment to my lender from XXXX XXXX. None of my payments are being counted toward my loan forgiveness even though I had the same employer under which 4 payments with the lender XXXX XXXX are being counted toward my forgiveness. After XXXX XXXX, my loans were sent to FedLoan Servicing. I submitted the payments from XXXX for review 4 times and though I was making payments under the income based repayment at my qualifying institution, they refuse to count them. They specifically asked me to show proof of the payments by downloading the payments from the website at XXXX and submitting them to FedLoan Servicing. I have done this several times. I would like to submit a complaint of dishonestly and fraudulent claims by FedLoan Servicing.
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, 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.