Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX Balance {$5000.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXX Balance {$1700.00} Opened XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX Balance {$0.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1200.00} Opened XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX. I have read that under the Fair Credit Reporting Act Section 605b, the Credit Reporting Agencies, YOU, are required to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed accounts and information off my Credit File as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

Good morning, On XX/XX/2022 I submitted a complaint thru the CFPB portal regarding an incorrect item on my Equifax credit report. This item is a XXXX XXXX (? ) Bankruptcy that I cordially asked to be investigated and removed. I also asked for their method of investigation along with supporting documents of this investigation as proof. 
On XXXX, Equifax reported back with quote " In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : A NON DISCHARGED, OPEN OR DISMISSED XXXX  XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR XXXX YEARS FROM THE FILING. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. '' There are multiple reasons I am rebutting this conclusion... 
XXXX ) I asked in the initial complaint how the investigation was handled, supporting proof of documents from credit bureau or credit furnisher used for this conclusion, a response as soon as possible and for this incorrect item to be removed from my credit report. 
**in the response there is none of the above. 
XXXX ) I fail to believe they actually took the time to investigate this complaint due to the fact... The item I was disputing was in fact, a XXXX XXXX Bankruptcy yet in the response it quotes as " A NON DISCHARGED, OPEN OR DISMISSED XXXX  XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR XXXX YEARS FROM THE FILING. '' **This is in fact not a XXXX but XXXX that is showing as " correct '' on my report which EQUIFAX `` investigated ''. 
XXXX ) Finally, XXXX has no record of releasing any information to verify or dispute my claims since XX/XX/2022. 

I would like this item removed from my report and a correct report generated showing as deleted or just gone. 
This should not be a long investigation being as though Equifax only needs to show a document trail of the investigation and where the misguided information came from. 

Thank You XXXX XXXX
Complaint sub-issue: Account status incorrect

As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00}
Complaint sub-issue: Debt was paid

On XX/XX/2017. A check for a balance transfer was sent to citi bank XXXX XXXX. The check has been cashed and the debt was never cleared. XXXX XXXX has sent me to collections and called me over this balance. I have faxed numerous copies of the check to XXXX XXXX and my credit continues to take a hit.
Complaint sub-issue: Problem with rewards from credit card

Regarding : Citi XXXX XXXX Bonus Bonus Details : XXXX XXXX Points after spending {$7500.00} within three months Problem Description : Card was received with a statement which reads : " Our records show that you are not eligible for the bonus based on a recent opening or closure of your Citi card ( s ). '' Upon calling Citi ( XXXX/XXXX/XXXX XXXX XXXX Duration : XXXX ) today to understand the issue, I was told that I likely had a card within the last 24 months which invalidated the offer. I informed the representative that I have never before had a XXXX card. He further checked and said that I had a different XXXX card which was closed in XXXX. The card which I had closed was different to the Prestige card but I was told that I was likely not allowed the bonus because it was within 24 months and within the same " family '' of cards. I then asked where on the application that information was as I have a print out of the application which I completed online and see no text describing that. The person assisting me spend quite a bit of time trying to find the text which stated that and then eventually had to put me on hold to further investigate. Eventually he was able to come back with text which another individual found on an application which stated the original reason described. The text apparently greatly differed from the offer which I read to the representative which made no such statement. He informed me that the offer was not available to me because of this text. I again stated that it was not the offer with which I had applied but he stated there was nothing he could do about that. I also informed him that when I had called in originally to check on the application ( XXXX/XXXX/XXXX XXXX XXXX Duration : XXXX ) the representative made a point of confirming with me that I would need to spend the {$7500.00} within the first three months to be eligible for the bonus of XXXX XXXX points. He apologized for me receiving bad information but stated that he could do nothing about that. 
Issue : The application, which I printed, makes no mention of the exclusion which the representative from the XXXX call quoted. The simple statement the second representative made that the first was wrong does in no way make what I was told incorrect or invalid. I was speaking to a representative of Citi in my first call and she clearly stated the details of my bonus offer. She even went so far as to put me on hold while she handled the application with, as she stated, an underwriter and never once made a statement that I would not be eligible for the offer.
Complaint sub-issue: Information is not mine

every time I try to contact Equifax to try and get a free credit report over the last Five years they have refused to give me XXXX as they ask me information that is incorrect and when I try to contact them I go thru their electronic phone tree to talk to someone they hang up. I can never get their report unless I pay for it. I am tired of battling them. Please I just want to see my free credit report so I can get things cleared up and be able to move on with my remaining years. 
You can contact me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Oregon XXXX
Complaint sub-issue: Reporting company used your report improperly

My information was a part of the Equifax breach.
Complaint sub-issue: Reporting company used your report improperly

XXXX sold my private information to three credit reporting agencies without my written and/or verbal consent which violates my right to privacy as a federally protected consumer. I have taken action to get the information removed/deleted from one credit reporting agency , which is Equifax. This violation has hindered my credit scores for years in a negative manner.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account Name/ XXXX XXXX Account # XXXX Account Name/ XXXX Account # XXXX, Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX 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
Complaint sub-issue: Account status incorrect

XXXX XXXX Bank Accounts ending in XXXX and XXXX on all 3 credit bureau reports are reporting charge-off as the status under the accounts after they were settled and paid off with XXXX XXXX Bank . This is inaccurate reporting of information and I am requesting that the CFPB please have these inaccurate remarks removed from my account and updated to settled-paid as agreed.
Complaint sub-issue: Was not notified of investigation status or results

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related This company has failed on multiple occasions in the past XXXX  months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting accounts that do not belong to me. I have explained that these are FRAUD accounts & should be removed from my credit report but I am bounced back & forth between the companies that are listed and Equifax. This is the forth time I have requested that this information be removed. This information does not belong to me for the accounts XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$960.00}. I have been a victim of identity theft and these accounts are ALL FRAUD!!!!!!! I have submitted this complaint XXXX on XX/XX/20 and nothing was done & today three months they still have these accounts listed along with two inquiries XXXX XXXX XXXX XX/XX/20 & XXXX XXXX XX/XX/20. Please delete this information for XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$960.00}. 
I have provided ID information & I am getting responses about ID. I have provided you with sufficient ID & reports.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

AVANTE XXXX Balance {$54.00} ; AVANTE XXXX Balance {$200.00} ; AVANTE XXXX Balance {$85.00}
Complaint sub-issue: Information belongs to someone else

attach information equifax has ruined my life
Complaint sub-issue: Debt was paid

PMAB is a collection agency that I had arrangements with to pay {$25.00} per month. Ive paid every month. This is for a medical bill that I have many of due to I have XXXX XXXX and doing many treatments. The company stated they had not received a payment from me since XX/XX/XXXX. I pulled copies of checked from bank account and faxed and mailed them showing where payments were made. They have not took off my credit. It ruined my credit score which I am working very hard to keep in the 700+ number but it went down to the upper 600s. I need help getting this corrected.
Complaint sub-issue: Other problem getting your report or credit score

I haven't been able to access my credit report in two years now. I called last year ( XXXX ) and was told I would be contacted about the problem. That never happened. 
On XX/XX/XXXX I called Equifax as I was trying to temporarily lift my credit freeze to purchase a car. I had no access to the site and was told to call them. The woman said my account was indeed locked and I needed to fax a copy of my SS card, Drivers license with a cover letter with my name, address, telephone # and reason for sending the documents which I did on XX/XX/XXXX to the number given ( Equifax Dispute Department XXXX fax XXXX XXXX XXXX XXXX GA XXXX ) On XX/XX/XXXX after trying to log in and not being contacted the site said to call them again which I did. I was given a case number XXXX and was told I would be contacted via email shortly. 
As of today my account is still locked and I have received no communication from Equifax in any format. They have been given my address, phone # and email multiple times.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm constantly finding myself fighting to redeem my identity back. My identity has been compromised and now there's many unauthorized accounts on my report, and the 3 major credit bureaus are continuing to report these accounts without any certified physical documentation. I'm demanding that these accounts be blocked immediately and permanently from my credit data. The accounts are, [ 1 ] XXXX XXXX {$4500.00}, [ 2 ] XXXX  XXXX {$680.00}, [ 3 ] XXXX XXXX {$72.00}, [ 4 ] XXXX XXXX  XXXX  {$71.00}, [ 5 ] XXXX   XXXX {$30.00}, [ 6 ] XXXX XXXX XXXX {$680.00}, [ 7 ] XXXX   XXXX XXXX {$140.00}, [ 8 ] US Dept of Education/XXXX {$3800.00}, [ 9 ] XXXX XXXX XXXX, [ 10 ] XXXX  XXXX XXXX, [ 11 ] XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX, and and incorrect name reporting XXXX XXXX, and multiple addresses. 
This has caused me tremendous anxiety, stress, and financial hardship.
Complaint sub-issue: Account information incorrect

For the past 6 months, I have been paying down my debt quickly and I have not been late with any payments for a long time nor do I have any delinquencies. Naturally, my credit score went up with all three bureaus from XXXX to XXXX. 

To my dismay, a couple of weeks ago my score with Equifax dropped 26 points on XX/XX/XXXX, I called them to ask why because i am current with all my accounts and I had nothing delinquent or fraudulent on my credit report. I called twice and they failed to explain anything to me claiming that they could not access my credit report. I also can not get in touch with anyone in the United States, only call center seems to be in the XXXX which sketchy. I also filed a dispute with Equifax about this. 

On XX/XX/XXXX I get another alert that my credit score has dropped again with Equifax for another 15 points and I am very upset and angry. I looked at my report and saw all these disputes and removed remarks and so on. I did not authorize any of that activity. I called Equifax and spoke to a XXXX man who accessed my credit report but did not do a good job explaining to me what happened. I was getting frustrated and kept asking him to explain to me in a different way but he proceeded to repeat himself as a robot would. He claimed that I filed disputes against all of my creditors and I told him I did not. He accused me of lying after I told him that this was fraudulent activity. As I mentioned in the prior paragraph, I told him that the only dispute I filed was with Equifax a couple of weeks ago when they dropped my score 26 points for no apparent reason! Eventually, he just hung up on me. 

This seems very unfair, I have a right to know whey Equifax is messing with my credit score and messing with my life. There is no apparent reason for them to drop my credit score nearly 41 points in less than a month! 

You should also know that this score drop only happened with Equifax, my score with XXXX  and XXXX is in the XXXX and now Equifax is in the XXXX again. I suspect fraud and wrongdoing.
Complaint sub-issue: Their investigation did not fix an error on your report

I had recently submitted a dispute with CFPB for Equifax, for a dispute into my credit reporting. As stated before in my previous dispute, I had paid off my XXXX XXXX account, ending on XXXX. The account was previously charged off.profit and loss. I contacted XXXX XXXX, and was offered a settlement amount, but I declined the settlement amount, but I waned to PAY IN FULL and have the account DELETED from my report, as I am trying to purchase a home. My account manager at XXXX informed me that once the account has been paid in full, that I can contact there credit dispute department to have it removed. I have been given the run arounds at trying to get this account removed from my report, even after I have paid it Full, as of XX/XX/XXXX. As I did investigation, I see that I should have got the pay to delete in writing, but it was verbal over the phone. As for the previous dispute with equifax, that simple responded as said that all my personal information as been verified. I was not disputing my personal information. I was disputing the XXXX XXXX item not been REMOVED from my credit report. The status that was updated is " PAID COLLECTIONS '' that was not what I agreed to when I made the arrangement to pay in FULL,. I verbally agreed to have the item removed. Can an investigation been looked into to having this item removed from my report permanently., as I have fulfilled my agreement with XXXX and has PAID this debt in Full.
Complaint sub-issue: Didn't receive services that were advertised

On around XXXX to XXXX I saw alot of pre approvals on credit karma but credit karma sent me pre approvals telling me I could have these credit cards and personal loans and refinance my vehicle I would see this every time I logged in. 
I got so many offers I started telling everyone I would be applying and my approvals for so I finally I applied on around XXXX and I got denied for two credit cards and a personal loan I was very very disappointed credit karma told me for months I was approved this was a huge lie. I was so stressed out I had migraines and depressed. Now every time I see pre approvals I get sick I don't want to even use there app I get scared to even check check as I should
Complaint sub-issue: Their investigation did not fix an error on your report

The student loan supplier is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the student loan supplier verifies the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
Complaint sub-issue: Old information reappears or never goes away

Per my credit report in XX/XX/2018 XXXX XXXX reported that I had a delinquent payment. There is no amount attached. I did not have a delinquent payment per my online statement. I called XXXX XXXX and they did not have an answer as to what happened but they would try to fix it. It hasn't been fixed yet. I understand that it hasn't been that long but this isn't the first time. When I was refinancing my home I found an old delinquent report from XXXX XXXX as well but it was so long ago it was hard for me to prove. If you look at my credit history I have never had late payments accept of course for XXXX XXXX.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

My ReliaCard card isnt working Im receiving benefits I turned in information to unlock my account they received my information and they still playing with my money
Complaint sub-issue: Reporting company used your report improperly

According to the Fair Credit Reporting Act, these companies are in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes and they should be removing these items from my report immediately. They have also failed to recognize that only I, the original creditor, can verify. They have violated 15 USC 1681 ( a ) ( 3 ) ( A ) under the exclusion section by including my medical information on my report. Please resolve this matter quickly. I have been denied many forms of credit because these companies are not following the laws that are in place for the consumer. Thank you.