Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

Someone Fraudulently purchased a {$500.00} gift card to XXXX XXXX and used my credit card. I disputed with Citibank and their billing disputes team initially issued a {$500.00} conditional credit then reversed the credit after talking with the Merchant. The Merchant provided Citicards with a bogus email address and suggested that the person committing the fraud had downloaded and used the gift card. 

Citi negligently failed to compare the email address that I have had on file for them for 10 years with the email address the gift card was sent to. Then Citi reversed the credit and charged me for the purchase on my XX/XX/XXXX statement. Citi now says the dispute is closed in the Merchants favor.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted all three bureaus XXXX, XXXX, and Equifax about XXXX XXXX still reporting on Charge off account that they have sold to XXXX XXXX XXXX, but each month they are reporting I'm late.
Complaint sub-issue: Debt was result of identity theft

FTC filed HELM ASSOCIATES debt is no obligation of my and was the result of identity theft. Stop falsely reporting this to XXXX. This account have already been removed from XXXX  and XXXX. This is a violation of my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691
Complaint sub-issue: Fraudulent loan

This car loan was obtain fraudulently and is reporting to my credit account this does not belong to me these agency need to pay attention who they are lending to Ive contacted them they said they will contact me back but have not done so Ive also disputed this information thru the bank and all three credit bureaus with XXXX  being the only one not to respond this has took a drastic hit on my credit as well as of many more fraudulent accounts
Complaint sub-issue: Their investigation did not fix an error on your report

This Dispute is geared towards the five credit reporting agencies, XXXX, Lexis Nexis, XXXX, XXXX, and XXXX. These companies are in the business of running criminal enterprises. LexisNexis and XXXX is in the business of selling personal and private information to XXXX, XXXX, and XXXX for commercial purposes. These companies share unverified and fraudulent non public information with non affiliated third parties without the consent of consumers as made into law by congress ... XXXX and LexisNexis are illegally gathering information and selling it to the 3 major reporting agencies without the consent of the consumer which is a federal violation ... All of the companies are committing racketeering and need to be punished by law. 
All of these companies are reporting an alleged public record with my name attached to it and need to delete it immediately. I've given no consent for any of these companies to have and/or share any alleged information about myself. This not only is a violation of my privacy but also many other violations in the FCRA and The Gramm Leach Bliley Act. If this situation is not corrected immediately, I will not hesitate to get this rectified in FEDERAL COURT
Complaint sub-issue: Was not notified of investigation status or results

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have MULTIPLE issues with Equifax to provide. 

1. I sent Equifax the required documentation pursuant to 15 USC 1681c-2 ( a ) and they decided to completely ignore what I sent and stated that they were " factual ''. They also told me that I would have to reach out to the " creditors '' directly when it the FCRA CLEARLY states otherwise.

2. I sent Equifax MULTIPLE letters requesting that they update the date of birth they had listed for me as it was inaccurate and they were actually sent ID to prove that what they had on file was incorrect. It took me filing a complaint through the CFPB for them to update the information. 
3. I opened a disputed with Equifax in reference to XXXX XXXX XXXX and they stated that the account was a matter of " factual record '', but they never provided me with the description of the investigation AND when I pulled my most recent consumer report, that item is no longer on there. They failed to notify me of the reinvestigation results. 

Equifax is clearly showing that they are not willing to follow their grave responsibilities pursuant to the FCRA and they will do it at the consumer 's expense. They have violated my rights more than ONCE and the above listed occurrences are just a FEW. As a consumer reporting agency, you have assumed a vital role and you are continuing to fail. You were never provided written instructions to furnish my report, but yet, you are doing so inaccurately and obtaining money for doing it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX. Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX- This address doesnt belong to me. Remove this inaccurate information immediately from my credit report! 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number 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

see attachment XXXX late payment with XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX and Equifax are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.
Complaint sub-issue: Their investigation did not fix an error on your report

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX has had this information since XXXX and still wont remove the account and ignored the FTC identity theft report. 

XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX I have filled litigation and arbitration against XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I requested a copy of a contract from Equifax between be and the original creditor proving the debt reported belong to me. showing the original amount explaining the unpaid amount and for what. F C R A consumer reporting agency require notification I never receive notification are explanation. I requested the information a number or times all I ask is proof or the debt and the reason. are remover the incorrect information from my file as stated by law. information in question XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX   XXXX XXXX.
Complaint sub-issue: Public record information inaccurate

XXXX did a background check with CHECKR background check and some information is not mine. I attached a copy of the packet XXXX sent me and a copy of the claim on my background check. either someone used my lost old expired license or checkr has the wrong information. 

XXXX, NV Consider UNLAW TO TEXT/TALK ON CELL PHONE/1ST ( STATUTE : XXXX ) XX/XX/2014 Case Number XXXX File Date XX/XX/2014 Court Jurisdiction XXXX - NEVADA-XXXX COUNTY-XXXX  XXXX XXXX MUNICIPAL COURT XXXX COUNTY XXXX XXXX XXXX County XXXX State NV Charge UNLAW TO TEXT/TALK ON CELL PHONE/1ST ( STATUTE : XXXX ) Charge Type misdemeanor Oense Date XX/XX/2014 Charge Date XX/XX/2014 Disposition FOUND GUILTY Disposition Date XX/XX/2014 Sentenced to TYPE : FINE : 50 TYPE : COSTS : 65
Complaint sub-issue: Account information incorrect

Ally financial is reporting that all payments have been delinquent for the year 2022. 
I have paid on time ( automatic payments from XX/XX/2022 to current.
Complaint sub-issue: Reporting company used your report improperly

I applied for an apartment at XXXX XXXX in XXXX XXXX, NJ with XXXX XXXX XXXX and was denied because of an adverse action supplied by XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and LexisNexis are reporting a bankruptcy and or other adverse actions on my credit report without verifying this information. The New Jersey Court System does not report or verify any information relating to consumer reports with credit reporting agencies. XXXX, XXXX, XXXX, XXXX and LexisNexis are reporting Inaccurate Public Record/s on my consumer credit Report. This has caused damages and are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. XXXX, XXXX, XXXX, XXXX and LexisNexis have been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing and loans. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. XXXX, XXXX, XXXX, XXXX and LexisNexis have been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.
Complaint sub-issue: Information belongs to someone else

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XX/XX/2021 XXXX XX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX, XXXX XXXX ( XXXX ) Names : XXXX XXXX ( XXXX ) Address : XXXX XXXX  XXXX ( XXXX & XXXX  ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX ( Equifax ) The following items are reporting as a result of Identity Theft : XXXX XXXX XXXX Date Open : XX/XX/XXXX ; Bal : {$59.00} ( XXXX, XXXX, Equifax XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX  & XXXX  )
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX ( Original Creditor ) : XXXXXXXX XXXX XXXXY XXXX XXXX XXXX : {$1200.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX BALANCE : {$2200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX  XXXX BALANCE : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I was checking my reports and a {$10000.00} charge showed up on my US Bank account. It says a credit card but I have not had a credit card with US Bank in years. Please refund as fast as you can.
Complaint sub-issue: Reporting company used your report improperly

I feel as though Equifax is acting unlawfully and I am unsure please se attachments for more information
Complaint sub-issue: Problem getting your free annual credit report

Equifax refuses to provide a free annual credit report via XXXX. Spoke with customer service supervisor on XX/XX/2021 and they confirmed that Equifax refuses to provide a free annual credit report via XXXX.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2018 I received a letter from XXXX 's XXXX XXXX that due to a credit report that THEY pulled from Equifax ; a credit reporting agency that was breached by cyber criminals and did notify me that my information was stolen, that they were reducing my credit limit from {$2000.00} to {$1500.00} because Equifax reported that " proportions of balances to credit limits on bank/national revolving or other revolving accounts is too high. '' Because of XXXX 's decision, they have caused this account to show that my balance to credit limit is too high thus affecting my credit score to be reduced by ANOTHER 32 points and destroying my credibility with other creditors! I am a XXXX veteran and am on a fixed income and because of credit card companies practices to do this to XXXX veterans and keep us from building our credit worthiness, this is discrimination! XXXX 's also only uses ONE credit reporting agency and does NOT consider the reports from XXXX and XXXX in making their decision which clearly shows their bias decision!
Complaint sub-issue: Debt is not yours

Checking my credit report I found a derogatory mark saying that it was a collection debt with another address on there, it 's not my address nor have I ever lived there, the dates listed are from XXXX - XXXX XXXX I do not owe a Medical debt
Complaint sub-issue: Account terms

I have requested several times to have equifax to properly note the XXXX account. I AM NOT REQUESTING the account to be verified. ( That has already been done ) I AM NOT REQUESTING to have the account to be noted as charges off or sold to an outside collection agency and have the account balance made zero. ( That has already been done with several written request by me ) WHAT I AM REQUESTING is that EQUIFAX reports WHO IS CURRENTLY THE OWNER of THIS DEBT ( WHICH IS XXXX XXXX XXXX LOCATED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX THE PHONE NUMBER IS XXXX XXXX XXXX XXXX extention XXXX. THIS IS the owner of the debt and the report should be listed as such. ( SO I CAN DEAL WITH XXXX WITH THIS MATTER ) t IT IS ILLEGAL TO REPORT misleading AND INCOMPLETE INFORMATION or PARTIAL information. XXXX SOLD THIS ACCOUNT TO XXXX XXXX XXXX YEARS AGO. XXXX XXXX XXXX owns this account SO EQUIFAX SHOULD NOT HAVE XXXX LISTED ON MY CREDIT REPORT. THIS IS ILLEGAL. IF EQUIFAX DOES NOT WANT TO VERIFY THAT THE ACCOUNT HAS BEEN SOLD FROM XXXX YEARS AGO & gt ; PLEASE IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. I have already secured legal counsel as I promised that I would do in my previous complaints.
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ACEPTANCENOW XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$550.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00}
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I have been sending written letters with regards to my request of removing the inquiries in question and my last request was sent XX/XX/XXXX. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.