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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX The XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/XXXX, I made a purchase at Best Buy ( XXXX, Tx ) for {$6000.00}. I opened the CitiBank/Best Buy credit card at the store. I did so with the intention of saving 10 % on the purchase. You get 5 % rewards and then an additional 5 % if you made a purchase within 15 days of card opening. I inquired about my rewards balance by calling the credit card # and they forwarded me to some rewards department. The rep at the office said I opted for the promotional no interest offer and there was nothing that could be done. I did not opt for any no interest offer. I did not submit the application on my own, it was submitted by a rep at the XXXX, Tx location. I chose " No '' for everything that appeared on the screen on my end. I paid my full balance within a week and do not care for this offer. I just want my rewards balance reflected in my account. Also, my credit score went down XXXX points because of this offer. Not sure if they turned it into a loan or what? Never opening a new card again after this terrible experience. 

I believe Best Buy/Citibank voluntarily put customers into the promotional no interest offer to avoid paying the rewards offer. I would not be surprised if hundreds of other customer fell into this trap as well. Best Buy/Citibank need to do right by me and correct their mistake.
Complaint sub-issue: Problem getting report or credit score

Equifax has denied me online access to my credit report despite an adverse action against me on XXXX/XXXX/2015 for which I am entitled a free credit report. They advised I am " locked out of their system '' even though I am able to verify and confirm that all my identifying information matches what they have in my file and answer any additional security questions. They were unable to provide an explanation as to why I am locked of their system and are unwilling to provide me with my own credit report or credit file number.
Complaint sub-issue: Personal information incorrect

I have had some occurrences of identity theft that has occurred on my credit report. On XX/XX/2021 I wrote a letter advising the credit bureau that there is inaccurate information reporting on my credit report as a result of theft of my information. It has been well over 30 days and this inaccurate information continues to report. 

Attached to this complaint is a copy of the original letter submitted and my identity theft affidavit for your review.
Complaint sub-issue: Information belongs to someone else

I've been consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mines. These items need to be deleted from my credit report.
Complaint sub-issue: Account status incorrect

I have had an XXXX XXXX XXXX credit card ( administered initially by XXXX  XXXX XXXX ) for XXXX without issue, always paying my full XXXX balance each XXXX through an automatic withdrawal from my bank account. I use this credit card only occasionally for travel expenses and otherwise mostly rely on other cards for my routine XXXX XXXX XXXX expenses. A XXXX XXXX ago, my credit card account was transferred from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) without any notice, written or otherwise, to me. At the same time my longstanding autopay was cancelled. I was not furnished replacement credit cards or other notice that the small XXXX ( non-delinquent ) balance of a XXXX XXXX XXXX  was being transferred to a new bank, without my autopay, and without a chance for me to easily pay the balance. I did not notice an issue with the credit card as I do not regularly use it when I am not travelling. XXXX began to leave me voicemail messages simply asking me to call their XXXX number without giving other information, I assumed this was spam as I had no known accounts with XXXX. They finally sent a written notice via mail to my home address demanding payment for an outstanding balance ( showing an account number last XXXX digits that I did not recognize, without any other statement details, including the amount owed or other details that would verify that the notice was not spam/junk mail ). This led me to call them and finally understand that they had taken over my account, cancelled my autopay, and now charged me several late fees and interest, and reported my account as delinquent to credit rating agencies, all without having given me proper notice or a chance to pay off the small balance. I immediately paid the outstanding balance ( they did waive the late fees and interest ), and closed the credit card account. The credit reporting issue is the a major outstanding problem, as I am looking into buying a home very soon. Since my account was not properly handled and I was never given an appropriate opportunity to pay the balance, the delinquent notice on my account is inaccurate and should be immediately removed from my credit reports to repair my credit before I seek financing for a home mortgage loan. I have never had issues with credit card debt and this issue will significantly impact my otherwise excellent creditworthiness. When I called XXXX with this issue, I was told they would " look into it but can not promise anything. '' This is not an acceptable response and I need my credit to be repaired immediately.
Complaint sub-issue: Report improperly shared by CRC

Equifax refuses to address the fraud they encourage and facilitate.
Complaint sub-issue: Didn't receive enough information to verify debt

I requested validation of this debt in writing 30 days ago and have not received any response. I would like to report them and have this debt removed off of my credit.
Complaint sub-issue: Information belongs to someone else

I recently applied for an apartment and I got denied. I didn't know why so today I checked my credit report. While doing so I saw items that are not mine. These items are not mine and all needs to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX.XXXX, XXXX XXXX XXXX, XXXX 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: Reinserted previously deleted info

There is a XXXX account opened on my report that I paid the remaining balance on when I closed the account almost 8 years ago that is showing opened as of XXXX 2013 which I in no way opened or reopened that account I have been a XXXX customer for three years. I do n't know if this is attempt to recollect money or what.
Complaint sub-issue: Information is missing that should be on the report

I Have Missing Payments That Are Supposed To Show Up On My Credit Report, This Information Is Vital And Should Be Reported. No Information Should Be Missing From My Credit Report. Meaning I Believe That All Months That This Credit Card Is Used Should Be Reported On All Bureaus. Please Fix This Immediately. IAM Currently Having This Issue With XXXX And Equifax. But I Am Asking Please Fix This Immediately ... Information And Account Activity For The Month Of XXXX Has Not Been Reported. And I Am Extremely Disappointed In This Absolutely.
Complaint sub-issue: Information that should be on the report is missing

THE FOLLOWING INFORMATION YOU GUYS HAVE ON FILE IS WRONG, PLEASE UDATE THIS INFORMATION ......
Complaint sub-issue: Reporting company used your report improperly

When I checked my credit report several auto loan places showed up on it last year which prevented me from renting a XXXX XXXX  XXXX XXXX I had submitted info to both the company and XXXX and nothing was done and no response and I requested a response and proof of my signature. 


Auto Financing Companies Contact info Ally Financial Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : Debt Collector : XXXX XXXX  Account number : XXXX Amount : {$340.00}
Complaint sub-issue: Account information incorrect

Citi switch monthly billing to emails which my email block them as spam it took over a year to get billing switched back to paper billing, I should not be penalized as i was not receiving billing information
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of 2017 I was unable to have a security freeze lifted to obtain utility services. After many hours on the phone I was told by Equifax I have 2 different files with 2 different DOB but same SSN. I sent in the documentation they asked for told it would be corrected. Fast forward to XXXX. I go to buy a car find out my score is several hundred points less than XXXX and Experian. Go online to obtain copy no luck the system can't verify me. Call again no one can verify me because I'm still showing two files. A supervisor named XXXX told me what to fax in and what the statement needed to include to correct the errors. The information will be corrected within 72 hours. I faxed all information in on XX/XX/XXXX. Since then I've called every day verifying the information was received and error corrected. I've been told the two files are merged only to call back the next day and talk to more supervisors who tell me no it's not been corrected and they don't know how to correct it. They'll send to the technical department. I can't get a copy of one or both reports. I'm spending several hours a day trying to get answers and no one can help me. I don't know who else to reach out to for help.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax and explained my reason for contacting them. The representative told me that I needed to send in an FTC report and a form of ID, which I did & nothing has been done to fix my credit report. There are a few fraud inquires that I requested deleted but they are still there. Please delete this information.
Complaint sub-issue: Information belongs to someone else

These accounts are inaccurate and do not belong to me, please block and remove per XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

XXXXXXXX/Equifax/XXXX  credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX 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: Problem getting report or credit score

Once again, a potential Lender can not access my Equifax credit report. I have no security freezes in place and want Equifax to permanently resolve this issue. Every few months I have to go through this and Equifax can not give an answer why it continues to happen. I do not need a copy of my report. I just want Lenders to have access to pulling it.
Complaint sub-issue: Investigation took more than 30 days

I have a charged off account from XXXX XXXX XXXX for an old loan that was taken out. My husband opened the account in my name and the amount is not valid. I sent several rounds of letters to XXXX to validate and verify the debt which I received no communication from. I did this in both XXXX and XXXX. The latest were a debt validation letter on XX/XX/XXXX, another on XX/XX/XXXX, and a method of verification letter on XX/XX/XXXX which I never received responses. This is not legal.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax to dispute fraudulent inquiries. I submitted the FTC report they requested. 
As you can see they still have not deleted the XXXX inquiry even with the document stating they will.
Complaint sub-issue: Reinserted previously deleted info

I have several accounts the equifax worker deleted that was active on my account so since they deleted it off my credit profile equifax blocking it from reporting i sent all letters from creditors to them stating that they are reporting to all XXXX bureaus and equifax still fail to add XXXX, XXXX XXXX XXXX, XXXX bank, i need help getting these items
Complaint sub-issue: Account status incorrect

I had an account with the Texas XXXX XXXX XXXX XXXX XXXX. My order in the case ended in XX/XX/2021 yet the account still shows to be open. It should be closed. My report showed a late payment in that last month as well which is not correct. 

I have called them and disputed the entry to credit reporting agencies with no luck.
Complaint sub-issue: Account information incorrect

THE XXXX XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Complaint sub-issue: Debt is not yours

My wife and I moved out of our apartment Over a year ago at XXXX in XXXX Texas with the permission of the apartment manager. We paid all fees associate that were requested and provided the manager XXXX XXXX with a copy of my wife 's orders. Now as we return back to the United States we are purchasing a home to find out the apartments management company sent us to collection and we do not owe anything. We are thinking this is a fraud account. When calling the collection company we We're informed that the debt was from the XXXX after we left and perhaps it could be fraud but they refuse to remove it from our credit reports.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX. The credit Bureaus stated that the information was verified and was accurate upon the completion of their investigation. How can this be true if the open dates are incorrect, the dates last active are inaccurate, the dates last reported are inaccurate and the balances are inaccurate. All of this incorrect information reporting on my credit is grounds for the accounts to be removed from my credit report. My rights have been violated under 15 U.S.C. 1681 section 602 A. States I have a 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. 15 U.S.C. 1681 section 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 information is incorrect. 15 U.S.C. 1681 ( a ) ( 5 ) states : no consumer reporting agency may make any consumer reporting containing any of the following items of information other adverse item of crimes which antedates the report by more than seven years.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 instructions
Complaint sub-issue: Problem with personal statement of dispute

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted certified letters to XXXX XXXX, XXXX and Equifax regarding XXXX. XXXX XXXX/XXXX for {$2300.00}, XXXX. XXXX XXXX for {$3000.00} this account is older than 7 years old from the first day of default, I've even sent them paperwork from XXXX the company that is handling the loans, the letter verified that my first date of delinquency was XX/XX/XXXX and they still refused to removed they accounts from credit bureaus. According XXXX XXXX letter to me that I submitted to each bureau " the federal law requires defaulted student loans be reported to the national consumer reporting agencies for seven years from the date of delinquency ''. Based on that information the account should be removed, yet they continue to send me verified/updated letters.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  Accounts # 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 an account without my written instructions.
Complaint sub-issue: Attempted to collect wrong amount

EOS CCA called from XXXX. Asking for me to confirm its me I asked who it was and the agent gave me his name and then, he asked me to confirm my address which I responded by asking what was the reason for this call and he said a personal business matter. At which point I felt they were not identifying their selves appropriately and the purpose of their call and I then looked them up online and found out its a debt collection company but by law arent they required to tell me up front its an attempt to collect a debt. I also had not received any written communication about this matter.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX I contacted XXXX and I was out of work. I logged in to make the my XXXX payment on XXXX XXXX but it was drafted XXXX XXXX XXXX reported a 30 day XXXX on my credit report. Ive called XXXX over 10 times to see about removing the 30 day notice but Im not getting any answers and there Dispute Department doesnt speak with customer. I ask the customer service agent about a good will adjustment but I was told they dont accept the letters. At this point I dont know what else to do..
Complaint sub-issue: Account status incorrect

I HAVE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I HAVE HAD FINANCIAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I HAVE MADE A MISTAKE OF FALLING BEHIND BUT I AM NOW WILLING TO FIX THIS MISTAKE AND CONTINUE MAKING MY PAYMENTS ON TIME FROM NOW ONWARD. PLEASE I AM ASKING THAT YOU CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT IS LISTED.
Complaint sub-issue: Their investigation did not fix an error on your report

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX