Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Confusing or misleading advertising about the credit card

On XXXX XXXX 2017 while shopping at Home Depot at XXXX XXXX, Virginia, I was approached by a sales associate at check-out and asked whether I currently held a Home Depot credit card and whether it was more than three months old. I said yes. He then said for {$25.00} off your purchase can upgrade your credit card to more favorable terms. I agreed to the " upgrade ''. I have now learned that the " upgrade '' was nothing more than opening a second Home Depot account. I have since talked to Citibank who assures me there was no difference between the card I had and the one I received as an " upgrade ''. In effect, the Home Depot employee misrepresented the card and engaged in what I consider fraudulent representations to induce consumers into opening a second account.
Complaint sub-issue: Information belongs to someone else

I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX This is in regard to the following inquiries : Bureau : Equifax Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Bureau : Equifax Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry I disputed this account with the company and a letter was sent back from there office that they could not locate the account on file and are asking me for more information. I demand that since they clearly could not locate the account, this account needs to be removed from all credit reporting agencies immediately. I demand this be removed just from their response alone. their time to locate the account and validate it was used and they responded with their findings, with that information I demand removal from my file asap. 

This is direct response from the company " XXXX tracks all accounts utilizing the primary borrowers Social Security number and/or the complete account number. Based on the information provided in the complaints, we were unable to locate the corresponding accounts. ''
Complaint sub-issue: Information belongs to someone else

I have inquiries reporting on on my credit report that I didn't authorize. I would like them removed/deleted. 

I will list them here with dates. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

THIS IS RIDICULOUS!! 
I have tried to be patient with the Bureaus regarding my credit report. As a consumer I have the right to a credit report that 100 % accurate. I have sent several letters to the Bureaus and they have not only ignored my request but continue to allow inaccurate and duplicate accounts on my credit report. Today I will be showing how I have multiple duplicate account on my credit report that is damaging my score unfairly! Despite me disputing these account The bureaus allow the furnishers to report inaccurate information and duplicate information. 
For instance XXXX XXXX is account number XXXX and is currently being disputed. Instead of it being verified or removed from my Report each Bureau is allowing it to be reported AGAIN under XXXX  XXXX same account number with a OBSARD amount that is over a XXXX increase and when I asked them to verify this information the response is always " they have verified the information ', if this information is being verified I shouldn't have the duplicate accounts with completely different amounts! 
This same account is added to my XXXX and XXXX account again with a slightly different account number but the same amount being reported and the original account being the XXXX XXXX, XXXX, XXXX added it again as XXXX this is the same account on my credit report 3xs with XXXX and XXXX and twice with Equifax. 
EQUIFAX tried to hide their error by changing the account number but keeping the amount this is showed by comparing the accounts to the original on my credit report XXXX but still referencing the XXXX account number I'm attaching my most recent credit report as proof of this error. THERE IS NO EXCUSE OF THE BUREAUS NEGLIENCE CONCERING THIS ACCOUNT! I have sent letters that have been ignored. Followed up with more letter that were again IGNORED. I have submitted complaints in here that were derailed!!!! 
Again as a consumer I have the RIGHT to a credit report that is 100 % accurate! According the the FCRA the Bureaus have a duty to verify all information before it is added to a consumers credit report. This is one instance that outwardly shows that the Bureaus aren't doing their jobs. In former complaints I have made in the CFPB the bureaus have all stated that they have began a investigation. There will be NO MORE PROCRASTINATION regarding inaccurate and duplicate information on my credit report. The only response that I want to see from the Bureaus is that these duplicate and inaccurate accounts were DELETED from my report. Any other response I will be filing another complaint with the XXXX, the FTC and taking whatever measure that I legally have in my rights! It has been over now 120 days and I will NOT SIT BACK and be BULLIED AND MISREPENSTED BY FALSE INFORMATION! I am a CONSUMER and the FCRA has guideline that BUREAUS AND FURNISHERS MUST FOLLOW!! The CFPB HAS A ROLE TO PROTECT ME AS A CONSUMER! 
I have submitted my Credit report as PROOF of this MISREPRESNETATION! THIS MATTER MUST BE CORRECTED!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax removed an item off my credit report and reinserted back on there without notifying within 5 days of it being put back on the re. Prime Example  :  XXXX   XXXX  This item was put back on my credit report. This item was an account that was opened due to identity theft. Credit reporting agency has the copy of the police report. The copy stated that I was n't liable for it after i sent them the affidavit and police report, however, Equifax has taken it upon themselves to play judge and jury and reinserted this item. Please find that I 've included all supporting documents.       I 'm requesting a new investigation on the disputed re-insertion account : On  XXXX / XXXX / 17  I discovered  XXXX    XXXX   had been re-inserted into my credit file. You are required to notify me with in five ( 5 ) day s of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.       I plan to file a lawsuit against the creditor for re-inserting the item unde r the Fair Reporting Credit Act ( FRCA ).
Complaint sub-issue: Was not notified of investigation status or results

OnXX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Complaint sub-issue: Information belongs to someone else

This is my 2ndendeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX OF XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Account status incorrect

theres several issues with carmax reporting on my defective ford fusion loaned upside down XXXX kbb according to three banks- XXXX , XXXX , and one other. I asked XXXX in person, XXXX XXXX location. XXXX  XXXX service center refused to fix my car 3x. carmax left me no choice but for them to repo it in 16 ( SIXTEEN ) - not 19 ( NINETEEN ), as its being reported. no company complies with the law, lemon lawyers unable to aide me. I did ask.

Continues thru experian to extort and reage debts, now beyond statute- will not update reports released to lenders, etc of which I do business with. REPORTING INACCURACE SLANDEROUS INFORMATION THAT I AM A SERIOUS DELINQUENT and NOT CREDIT WORTHY. This has affected new accounts.
Complaint sub-issue: Information belongs to someone else

My father informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX {$8400.00}
Complaint sub-issue: Reporting company used your report improperly

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 My account with XXXX XXXX is paid in full, falls under the status of Charge Off
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  ACCOUNT # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
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, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **** 15 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: Debt resulted from identity theft

never had account with these people and can not show me an contract that i sign but reporting to credit bureau
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 a lawsuit, this is unacceptable!
Complaint sub-issue: Information belongs to someone else

hi I am submitting this XXXX XXXX WITHOUT ANY INFLUENCE 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 XXXX XXXX  has me at a score around XXXX. 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE MY LIFE IS RUINED
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$990.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is reporting five ( 13 ) missed or late payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with XXXX on multiple occasions including phone, email and certified mail. XXXX has failed to respond to direct disputes and fell short of doing thorough investigations when asked to by the CRAs. Its completely unsatisfactory that these mid to large companies violate FCRA violations such as notices informing consumers they are reporting negative information -- every consumer does not review their credit monthly. In my case, I went nearly a year and half until I noticed the negative reporting by this time there has been instrumental damage to my credit worthiness. What is equally alarming, when the CRAs fail to conduct a independent investigations and the outcomes turn out to be " certified '' without surveilling the full scope. After disputing the reporting, there has been multiple times where XXXX has not left a " dispute remark '' on my profile which I have attached documents validating this incompliance. I've exhausted all options at this point with both XXXX and all three ( 3 ) CRAs to no available. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR XXXX - Direct disputes Tracking numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Account name : 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: 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 {$1700.00}, {$15000.00}. 
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 ) -- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1700.00} -This is not my account. 

XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$15000.00} -This is not my account.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2018 I transferred {$5500.00} from my Citi Bank checking Acct. to my XXXX XXXX checking Acct. Citi Bank has provided me with a letter ( see attached ) with all the information in regard the funds were transferred successfully ( tracking and reference # s ). Which I provided the letter to XXXX XXXX branch manager and CEO. XXXX XXXX respond was that the funds were never reached them. In the Citi Bank payee details, it shows that the funds were transferred to : XXXX XXXX XXXX, GA XXXX I have visited XXXX XXXX branch several times talking to various staff including the manager, service manager and assistance manager, all them their answers were the funds never reached XXXX XXXX. 
I have spoken with the following staff at Citi Bank : XXXX XXXX Citigold Relationship Manager ( XXXX ) XXXX XXXX XXXX Branch Manager ( XXXX ) XXXX Citi Bank 's respond was that they transferred the funds successfully, is no longer their problem. Being a Citi Bank account holder, I believe is the responsibility of Citi Bank to protect the assets of their account holder, deposits, payments, credit cards and transfers. Citi Bank should have contacted XXXX XXXX to search what happen to the funds. 
I have filed a case against XXXX XXXX as well with the office of the comptroller of the currency, that case # is XXXX. 
Many thanks for your help and finding the funds.
Complaint sub-issue: Problem getting your free annual credit report

I went online to obtain my credit report from Equifax. Answered all the questions to the best of my ability ( looked up the answers to the questions asked since the questions were about lenders that were more than 5 years ago and paid off ). After answering, a message appeared that I could not get my report. I waited 24 hours tried again, the same message came up. I then called to straighten out the issue and 3 different phone representatives gave me 3 different answers and you can barely understand them due to their accent. I have now waited 48 hours and am still getting the same message of not letting me get my report. I have also tried to enroll into My Social Security and was told that Equifax is not letting me enroll. Who has so much power of my Social Security? I am hoping that my complaint will help my issue with this credit reporting agency.
Complaint sub-issue: Confusing or missing disclosures

I opened an account with Citi bank online and funded {$8000.00} on it. 
However I was not able to access my account in any way and I dont know how to access my funds or use this account. 
They sent me emails and letters since I opened the account but with no account number information. I tried using the website and the app ( as I have their credit card ) and my checking account did not appear. 
I tried calling and spent 30 minute on the phone getting transferred and they couldnt help me and hung up on me. 
Then I tried messaging them on the app and they were unhelpful for 10 minutes till I gave up. 

I need help releasing my funds and closing this account, and get compensated for the hours wasted and time value of my funds.