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

Equifax, XXXX, XXXX are all reporting improper information. I also believe I am victim of identity theft and/or data breach. My credit scores and reports have been compromised because of it. I tried Disputing with the comoanies directly and thing were not properly handle. 

Hard inquires i didnt authorize : 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
Complaint sub-issue: Their investigation did not fix an error on your report

I am a consumer and by law i feel i am being violated and ignored because my information is constantly being misused and misrepresented and i have many false and inaccurate accounts on my credit report and i am making a formal complaint about the Unauthorized use of my credit report and personal information.
Complaint sub-issue: Information belongs to someone else

I was shocked when I reviewed my credit report and found items that are not mine that are being reported to all three credit bureaus. I have never lived at this or any other apartment in the last 20 years. Creditor : XXXX XXXX Account # : XXXX I have always paid my bills on time. I am victim of identity theft and want this item off my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I went to Conns HomePlus to apply for their leasing. I was approved for the leasing but they signed me up for a credit card and I never authorized that. I called multiple times and was told theyll mail me paperwork to fill out. The lady didnt even know my address or my information so Im assuming it was just a tactic to get me off the phone. No one can help me resolve this. Ive had leasing with them before and I finished paying it off so I went for another one. I did not want a credit card.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Just received a phone call from this company, AFNI, and I informed them, yet again because I have requested a validation of debt previously, to send me a validation of the alleged debt to the address that they have on file the representative told me that they did send it, and to check the mailbox. I have not received anything from this company, and yet AFNI still proceeded to attempt to collect on a debt that is still going through a validation process. Pursuant to 15 USC 1692g ( b ) collection efforts must cease when a debt is disputed.Therefore, the phone call was in violation of 15 USC 1692, and AFNI has called me numerous times within the past couple of weeks prior to this phone call about this disputed debt. 

The representative also attempted to threaten me by saying that " the debt is not yet reporting to my consumer report yet so it would be best to settle the account. '' I informed the representative that reporting the alleged debt will be in violation of the FDCPA, as I still have not received a validation of the debt therefore all collection efforts must cease. He told me that I was incorrect, and that according to the FDCPA they are able to still collect on the debt. That is false, as that goes against the federal statute that was put in place in order to protect me, the consumer from abusive and deceptive debt collectors. 

Reporting a disputed, unverified debt to a consumer reporting agency qualifies as a collection of the debt, and all further attempts to collect on the debt including any subsequent reports to the consumer reporting agencies violates 15 USC 1692g ( b ) ( Semper v. JBC Legal Grp., XXXX WL 2172377, *4 ( W.D. Wash. XXXX XXXX XXXX  ). 

When I told the representative that the debt was an alleged debt he laughed and said " alleged? would you like me to tell you the balance on the account. '' I did not appreciate the accusation nor the abusive and condescending tone that this representative displayed. Again, I have never received any documentation about this alleged debt from AFNI so for them to slander me for something that they have yet to prove and then threaten to report it to my consumer report is extremely harmful to me and my reputation as a consumer. 

At the end of the call I told him again to send me validation of the debt to the address that they have on file and that all collection efforts must cease, he said okay and we will still continue to collect on the debt. I was blatantly threatened by this company while at work, which is a violation of 15 USC 1692d that is in place to protect me from such harmful actions. This phone call has put me in a stressful position which led me to have to finish work early because I was not able to do my job at a level of efficiency that is expected of me due to my mind being distracted by this phone call.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

ASTA FUNDING AND XXXX FAILED TO ADHERE TO THE BANKRUPTCY NOTICE, AND WAS RE-INSERTED BACK ONTO MY XXXX CREDIT REPORT. 
THE S.O.L. HAD EXPIRED AND THE CALLS TO MY CELL STOP CALLING. ( 11 CALLS OVER 3 YEARS. 

THEY HAVE VIOLATED F.C.R.A., F.D.C.P.A., T.C.P.A. S.O.L. ETC. 

MORE IMPORTANTLY VIOLATED THE DODD-FRANCK ACT.
Complaint sub-issue: Problem using a debit or ATM card

I have been a Citibank Client since XXXX ( 13 years ) with no issues until recently, when two fraudulent ATM transactions totaling {$800.00} were made in XXXX XXXX, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX using my debit card information while I was home in XXXX XXXX XXXX. Prior to this, I have not provided my debit card information or PIN to anyone, the card never out of my possession, and I had not been to XXXX XXXX. I cancelled my debit card and notified Citibank immediately who began an investigation. Citibank denied reimbursement of the missing funds on XX/XX/XXXX, citing in their letter : the card was not out of my possession at the time of the fraudulent transactions both my Citibank banking car and PIN were required to perform the withdrawals activity appeared to them to be consistent with my normal banking activities. 
These withdrawals were made from my account with my Citibank Banking Card. 

When I opened this letter on XX/XX/XXXX, I immediately called Citibank Customer Service and was told that I " had to be the one who made this withdrawal ''. Customer Service also told me that I " would most likely be denied again since the card was in my possession but you can certainly file an appeal if you'd like to ''. I went in person to my local Citibank Branch at XXXX XXXX XXXX XXXX, XXXX, NYXXXX, along with copies of my statement showing that I was using the card in New York on the day of the fraudulent transactions. Upon reviewing my case, the bank manager and associate reviewed my case saw sufficient evidence to conference in Citibank 's Client Research Unit ( XXXX ). The Research Unit 's case manager agreed to reopen the case given that contrary to Citibank 's denial letter, that : The card was IN my possession in XXXX XXXX  XXXX, but the card was NOT in XXXX XXXX. 
The statement activity on my card from the days of the fraud clearly shows I was using the card in XXXX   XXXX XXXX and not in XXXX XXXX The transaction could not have been made by me in XXXX XXXX using my card when I was in XXXX XXXX  XXXX in possession of the card. 
The Client Research Unit advised me to obtain a copy of a Police Report, which I proceeded to file at XXXX 's XXXX XXXX. A copy of the report was made available by XX/XX/XXXX and I faxed it to Citibank 's Client Research Unit at XXXX. 

Since making the appeal on XX/XX/XXXX, I was told to expect the case to be reviewed ASAP and still have had no resolution. I have been consistently calling Citibank to follow up and while most of the associates are nice, all they can do is put a note on my file for the investigator. Every time I call, I am told the case is still with investigators with no resolution. I am currently over a month into the appeal process and over 2 months since these transactions took place, and am still missing the {$800.00} that I never withdrew. 

This frustrating process with Citibank ( which I've held for 13 years ) led me to file a complaint. My ultimate goal is to get back my {$800.00} and restore trust in my bank which has seriously let me down in its response to this clear case of fraudulent unwarranted activity against my account.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Indicated you were committing crime by not paying debt

repeated calls from XXXX saying there was a complaint filed against me and threatened to visit my home or business with a reference number XXXX and office phone of XXXX, on XX/XX/2021, I called back and some woman named XXXX answered and refused to give business name saying I had a credit debt with Citibank ( a company I have multiple cards with and have never been late on ) then repeated to tell me my name and ss number, I asked them to send paperwork stating this and they said they didn't send paperwork and told them not to call again... .After an argument about how they were a fraud and I would be reporting them, they said XXXX county Sherrif department would be visiting me soon and hung up... I called back multiple times and hid my number to gain the company name but they accused me of phishing when I asked for business information or any other information ....
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I wanted to have late payment forgiven for XXXX  made in XXXX XXXX days. I was late due my job cutting my hours in XX/XX/XXXX and XX/XX/XXXX and then laying me off due to covid 19. In XX/XX/XXXX. I requested forgiveness for late payments made to td bank In XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 
I was laid off in XX/XX/XXXX. I contacted both companies and did not forgive after phone calls and sending good will letters. Discover card would not remove payment made late in XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. My hours were cut in XX/XX/XXXX and I was laid off in XX/XX/XXXX. They closed my account knew I was in Hardship and refused to help at that time. I had since then made payments on time for all three credit cards. I contacted company and refused to give me forgiveness even after closing my account and good will letter. XXXX XXXX I contacted company with goodwill letter and refused to forgive. XX/XX/XXXX late payment I was laid off. XX/XX/XXXX XX/XX/XXXX my job cut my hours. In addition household closed my account. I was late in XX/XX/XXXX but my boss cut my hours. They also closed my account and refused to forgive after phone call and good will letter. XXXX  late XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and they refused to forgive my late payment Even after I sent the goodwill letter and called them. Also I my job cut my hours in XXXX XXXX and XX/XX/XXXX was laid off in XX/XX/XXXX. This why I was late I have made my payments on time since then to all companies listed.
Complaint sub-issue: Information belongs to someone else

Attached is a police report from XXXX Police Department. Please review attached police report. The following accounts listed and showing on my XXXX XXXX, XXXX and Equifax credit report are unauthorized, fraudulent and not my accounts : 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: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I am writing this complaint to inform you guys that my personal information was affected by the Equifax data breach and the accounts that I am attaching bellow are fraudulent accounts and and needs removal from my credit report. I've tried endlessly by notifying the credit bureaus of the issues at hand and how it has been a major hinderace in the growth of me building my credit. In result, I was pointed into this direction to get this issue that has been affecting my life resolved.
Complaint sub-issue: Transaction was not authorized

On the XXXX of every month I have apparently been getting charged around 9 dollars by XXXX for some payment dealing with an XXXX. I checked online and apparently this happens to a lot of people I was told to ask for help here.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sumitted 4 disputes with equifax credit bureau and they keep giving me the same run around. I had an agreement with a creditor ( XXXX XXXX ) to have an account be removed off all 3 credit bureaus. They was removed off all but equifax, I have submitted multiple disputes with equifax with the same outcome. I have submitted documentation of a deletion letter to have an item removed off my report and they tell me it is not adequate information, and they have contacted the creditor and it shall remain on my report. I have contacted the creditor ( XXXX XXXX ) and they say they have submitted over 3 times the code equifax needs to delete the item. When I have called equifax about my last dispute they said they contacted the creditor on a certain date to verify the account status and that it would remain on my credit report, when I contacted the creditor they said they have not been contacted by equifax. Equifax is not doing their jobs correctly and are hurting me as a consumer.
Complaint sub-issue: Reporting company used your report improperly

I have sent XXXX, Equifax, And XXXX my identity theft Claim. They are furnishing student loans on my reports that are identity theft and i also never given written permission for these accounts to be furnished on my report pursuant to 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT AND XXXX, EQUIFAX XXXX XXXX HAVE BROKE THE LAW This isnt fair to me and i am losing faith in the system and if these companies want to continue doing business with me, Then they need to remove these accounts off my report. 

I am attaching my identity theft report and my letters that were sent.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and 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 account that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} Date Opened XX/XX/2018 2018
Complaint sub-issue: Was not notified of investigation status or results

I am in distress because of the inaccurate information on my credit report. I have yet receive a response from you I want all this problem get fixed right away and I will not wait another months to receive your response. Failure to investigate these issues within 30 days provides a reason to delete those items from my credit report immediately, according to Section 611 ( a ). They should be removed as soon as possible because it has been 60 days passed and I never heard from you.
Complaint sub-issue: Information belongs to someone else

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate. 

In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. 

In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Complaint sub-issue: Account information incorrect

I contacted XXXX XXXX on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by XXXX XXXX and I disagree with this information reporting via XXXX, Equifax, and XXXX. 

I never was late on these accounts.
Complaint sub-issue: Information belongs to someone else

XXXXXXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for credit cards and communication accounts ; these applications resulted in fraudulent inquiries that are now listed on his credit reports. After efforts were made to notify official each of the account providers of the fraudulent applications the account providers still list the fraudulent information on the credit reports despite the issue being related to identity theft. One of the bank already provided a clearance letter confirming the issue was fraudulent and confirming they would remove the data however the information is still being reported to the XXXX credit report ; this is a violation of FCRA.
Complaint sub-issue: Can't temporarily delay making payments

I received a moratorium for about 5-6 months from nelnet. But im still struggling to keep up with my financial problems. My student loan is making it unbearable to be happy in any circumstance.I Have an empty refrigerator for the last 6 months.. Btw my Associates degree that i majored in is not being utilized.Never had been! Please help in any way you can, so i can take a little breather, and go grocery shopping or let me purchase new underwear and socks, that's needed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to EQUIFAX more times than my age. Equifax has a relax method of investagating Complaints on a Consumers Credit Report. I have ( 8 ) INQUIRIES on my Report. I have a fraud alert on my file with a phone number. I have ( 3 ) Inquiries from XXXX from 4/6 mo. apart how can Equifax mis this I'm not applying for credit every 4 to 6 mo. ( XXXX ) XXXX XXXX Inquiries same thing 4/6 mo. apart. XXXX I have no idea about this company. I've ask Equifax to send me a copy of the application bearing my signature. FYI never gotten a response. They have been giving more than 60 days. Need this data remove.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CreditKarma.com I have a XX/XX/2021 inquiry on my credit report. I have not requested any info from them nor given them consent to pull any info and They have made it impossible for me to get in touch with them and report it. Not able to contact them by phone. When I email them they push me back to their nonworking website. They have made it impossible to report misconduct if you are not a current member which I am not ( I am not a member of this company ). I want any and all information they have concerning who supplied them with my information.
Complaint sub-issue: Was not notified of investigation status or results

I had an account with XXXX XXXX. I was a victim of racial discrimintation from this compnay. I lost my car. The company is reporting false information that I made payments in 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make payments on these months. I asked for documentation as it pertains to these payments and never received any response. Also, they took more seven years to charge off my account after being more than 180 days delinquent in 2014. I would like for this to be noted that these people are harassing me. Also, that the account is being handled by an outside agency where they are still attempting to get money out of me.
Complaint sub-issue: Information belongs to someone else

CRA is in continuous violation 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
Complaint sub-issue: Other problem getting your report or credit score

Equifax, in writing, requested that I provide additional information to verify my identity. Per their latter to me, dated XX/XX/2022, my identity does NOT match the information that they have on file. 

This is preventing me from establishing an online account with them, so their response makes no sense. 

When attempting to create an online account, this is the message that is displayed : " We can't complete your request at this time. Please call the Customer Care team and mention error code NH. '' I have attempted to resolve this multiple times over the phone and each time I call in they say they are having technical difficulties. 

I need a full credit report from them and what they are reporting as my credit score. I had a negative outcome when a service provider issued a soft credit check with them and the result was negative. I need to determine why this is happening. I can not do so if I can not access my account online and I have not been able to resolve this by calling. 

I have sent the requested information via the USPS - Tracking number XXXX.
Complaint sub-issue: Information belongs to someone else

This is my seven endeavors 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 alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$7700.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation result.