Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I, XXXX XXXX XXXX, the natural consumer, a natural living breathing woman, in Good Faith, would like to bring to the attention of XXXX XXXX, Equifax, and XXXX Ithat I have recently obtained my consumer credit report and it appears you are reporting and publishing inaccurate information allegedly about me in a consumer file to the Consumer Reporting Agencies. The creditor is listed as U.S. Bankruptcy Court / US BKPT CT IL XXXX ( XXXX ) a/k/a The United States Bankruptcy Court for the XXXX XXXX of Illinois XXXX 

This is my formalt request in asking XXXX XXXX, Equifax and XXXX to verify if your office reported any bankruptcy files to the Consumer Reporting Agencies? ( Please See Exhibit A attached ). 

I took the liberty of the disputing this very same information with the U.S. Bankruptcy Court / US BKPT CT IL XXXX ( XXXX ) a/k/a The United States Bankruptcy Court for the XXXX XXXX of Illinois and they have replied to me stating that they can not and do not report to the Credit Reporting Agencies. ( Exhibit B ) Your conduct has caused me stress, financially harmed me with costs, economical/noneconomical damages, embarrassment, XXXX XXXX and loss of credit opportunity. 

Your conduct has caused me a stress, financially harmed me with costs and loss credit opportunity. 

The bankruptcy information that you are publishing about me is inaccurate and incomplete : ( 1 ) The United States Bankruptcy Court for the XXXX XXXX of Illinois ; ( 2 ) Case XXXX ( 3 ) XX/XX/2018 ; ( 4 ) Discharged/Closed. 

DELETE the bankruptcy tradeline from my file and mail me a copy of my updated consumer file. Inform any person that you reported the deleted information to that it was deleted from my report. Also, I recently applied for a mortgage and my report was frozen/blank ; unfreeze and release it! 

If you deem the disputed information are verified, then I request your method of verification. Namely, I request a description of the procedure used to determine the accuracy or completeness. At minimum, I request the business name, address, and phone number of all furnishers contacted. I also request the name, address, and phone number of furnishers contacted for the initial file data. 

You do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Thus, I request that you contact me to review credit information about me before you publish it. Also, I do not consent to you making money from use of my name and request all monies made. A facsimile or photocopy of this letter or my typewritten signature shall be treated as an original. 



I sent this While ago to all three Companies and they are still reporting this inaccurate information about me and has not removed it. The Court wrote a letter stating that they do not report this information to anyone, Please BLOCK AND REMOVE THIS INFORMATION BECAUSE THIS IS IDENTITY THEFT AND NOT A TRANSACTION INITIATED BY THE CONSUMER, THIS IS NOT A CONSUMER CREDIT TRANSACTION
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I placed an order from a website called XXXX in XXXX using my Citi Bank Card. I received the order and it contained an item that I did not order, and item that did not match the sizing description and another item of very poor quality. I contacted the customer service email at XXXX only to have them reply to me that they would offer me {$12.00}, a fraction of what I paid or I could pay to ship all the items back at my cost overseas. They will not provide a phone number to reach anyone at, and will not refund my money or provide a prepaid shipping label. I did not agree to the {$12.00} refund, which is what they did send me and I do not agree that I should have to pay for returning an item that is incorrect, and two other items that one does not match the sizing provided on the website and one is of terrible quality. I filed a dispute with Citi Card ( Dispute number : XXXX XXXX ) only to have them tell me they can't do anything until I send the items back to XXXX. It will cost over {$40.00} for me to send the items back that I did NOT order, that do not fit or match the description on the website and the merchant has no phone number to call and will NOT provide a return label. Citi Card is refusing to protect one of its customers from fraudulent charges from a merchant that fails to send the products ordered and has done a terrible job with it's customer service. Why would I go out of pocket another {$40.00} only to 'hope ' that Citi is actually going to get my money back after I send the items overseas? That doesn't make any sense. The merchant sent the wrong items in the first place.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX AND LEXIS NEXIS ARE REPORTING FRAUDULENT INFORMATION IN MY NAME, SUCH AS HARD INQUIRIES ON CREDIT REPORTS AND LEXIS NEXIS WILL NOT OR HAS NOT SEALED MY LEXIS NEXIS REPORT AS I HAVE ASKED THEM TO DO FOR 5 YEARS SO FAR. 
XXXX XXXX. HAS NOT REMOVED FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT DUE TO ID THEFT. 
AS STATED IN THE FCRA.
Complaint sub-issue: Reporting company used your report improperly

And accordance with the fair credit reporting Act XXXX account # XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602A. 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 account without my written instructions.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Today XX/XX/2022, I received a call from I.Q Data International. They call to inform me on a debt from a former apartment complex. I advised the agency that I have tried to set up a monthly payment amount within my budget to the complex and payments are currently being sent at {$300.00}. I also advised that I was working during the call, this comment was totally disregarded by the agent. I advised the agent of my work hours XXXX to XXXX and they insisted I call them at XXXX on a resolution or they will no longer be able to hold the account and enter refusal to pay. I advised them, they are asking me to conduct personal business during my work hours. I also advised them per the fair debt collection act, I have the right to receive the debt in writing within 5 days of contact.. The agent advised the letter was mailed XX/XX/2022 and not sent over night. I advised the agent I will call them to discuss debt after I receive the notice.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/XXXX, I was notified that my credit limit had been abruptly reduced by approximately {$5000.00}. This was in spite of a long history of on-time payments with Citi and a relationship that dates back to XXXX. I also believe that this was a retaliatory act by Citi, as I had requested a one-month deferment of the minimum payment due on the card.
Complaint sub-issue: Account status incorrect

I have disputed XXXX XXXX and XXXX XXXX multiple times. I have sent proof multiple times that these accounts are incorrect. XXXX corrected the problem but Equifax and XXXX continue to ignore the evidence I have submitted. My score has plummeted and each site even suggested obtaining a credit card to help the score and it HURT my score.
Complaint sub-issue: Personal information incorrect

I applied for a loan with XXXX XXXX XXXX yesterday online, and was approved. They told me to finish the process via telephone. During the telephone call they had me answer security questions, which I passed, but then at the very end they said they had to decline my application because I moved about 5 weeks ago and my new address was not yet on file with LexisNexis. I asked if I could go into the branch and show appropriate documentation like my government ID to verify my address, and they said no. LexisNexis said it was not what they had on file and solely because of that they had to deny my loan. 

I searched LexisNexis 's site on how to dispute my address and get it updated, and I found a document here : https : //consumer.risk.lexisnexis.com/img/Dispute_Process_Steps.pdf. The telephone address given for disputes regarding liens ( XXXX XXXX ) is an invalid extension. The number asks for 5 digits, and the 4 digit one on the document does not work. If you try to navigate the system, it just keeps putting you in circles to prevent you from talking to a human to place the dispute. 

LexisNexis appears to be actively trying to prevent people from disputing incorrect data that is affecting their financial wellbeing. I hope the regulators will persuade them to put a clear and functioning process in place for consumer data corrections, as their current conduct is harming the public interest.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was victim of a scam involving my Discover card on XX/XX/22. I received a text from someone purporting to be my boss, asking me to purchase {$1000.00} worth of XXXX XXXX XXXX. This person said he was in a meeting and couldn't talk, but needed the cards for a holiday gift and wanted me to take care of this errand for him. Of course, I wanted to help so I purchased the cards, and texted him the activation code, per his instructions. 
Moments later, I checked and realized the caller was not actually who he said he was and that I had just been scammed. I called my bank immediately ( within minutes ) and requested them to reverse the charges and to start an investigation. They said there was nothing they could do. They offered no help at all.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax currently reports illegal unathorized inquiry on my credit report one XX/XX/2020 Inquiry : XXXX XXXX XXXX XXXX  ; Reporting with no permissable cause, no credit or loan has been awarded. this is a violation of FCRA rules
Complaint sub-issue: Debt was paid

This debt has been paid in full through XXXX and needs to be removed from my credit report
Complaint sub-issue: Information belongs to someone else

I ask you to figure out the origins of fraud accounts. I am victim of identity theft and I want you to apply some actions towards removing them from my credit report. Its not fair that I have it.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I would like to file a formal complaint against Equifax as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that the Consumer Finance Protection Bureau ( CFPB ) has  administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies. 

I chose the word dispute to validate debts on my Equifax credit report on collection accounts. Equifax inserted in the comments Consumer Disputes Reinvestigation in progress. Collection Account and Collections in the comments and as account status. I contacted the credit agencies via phone and I explained that it is affecting me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

I contacted Equifax and asked them to remove the comment. I told Equifax that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with Equifax themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.
Complaint sub-issue: Information belongs to someone else

XXXXXXXX XXXX XXXXXXXX - acct # XXXX Opened XXXX -- -- reporting time has expired XXXX XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired XXXXXXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired XXXX XXXX - acct # XXXX Opened XXXX -- have never been late XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired, this is not my account, i do not have any children and they have failed to validate this account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX I have checked my XXXX credit report and it gave me an collections alert from XXXX XXXX XXXX XXXX stating that alert date of XX/XX/XXXX. And status date of XX/XX/XXXX, for {$63.00} in which I have never received due to me being overseas. They have reported it to my credit scores and have damaged my credit score for a debt that I know is not mine since Im good at paying my debts, I havent received any calls or anything about the matter as well notifying me that I owed them and they have just reported it to my credit scores I dont even have photos or any paper trails about this matter.
Complaint sub-issue: Information belongs to someone else

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMES TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Complaint sub-issue: Problem with balance transfer

I had money transfered from XXXX XXXX  to Citibank credit card company for {$10000.00} since XXXX, The Citibank credit card company received the funds on XXXX and they will do the invesgation for money first, i was waiting in about 2 weeks they said that was incorrectly credited to my account. They will rebilled the money back to the credit card company. I had contact the XXXX XXXX to notify them what was happenede and file a dispute charge, and received a response letter from XXXX XXXX stated that they never received a credit refund from Citibank. I needed to pay for the interest charge but never received the money.
Complaint sub-issue: Banking errors

Ok so in XXXX my house burnt down XXXX XXXX county oregon wildfires, then had to move, bank, made a few errors by sending my card with pin to wrong address muilple time stuff / money was stolen like 10 thousand out of account made police report, showed bank was not even in that city, and was denied refund
Complaint sub-issue: Investigation took more than 30 days

Hi & How are you doing? It's taken longer than i thought - more than 45 days and it account status was never updated. Im a little confused about how the late payments are reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Complaint sub-issue: Debt was paid

XXXX had submitted a claim to my credit score but I'm out of believe {$2500.00} and they were removed off of my credit last year because it was teams not owed. Between XXXX employee benefits of {$250.00} early termination fee coverage for up to four lines plus we had the bill paid off. also around the same time that we went through bankruptcy so this would have also been included in bankruptcy if there was a balance left. I have attached the bankruptcy document with the list of creditors that were included. when XXXX was removed from my credit they went and turned around and submitted it to another collection agency without listing it as being through them and did not disclose that it was XXXX. I tried repeatedly to get those taken off my credit and claimed that it was on bankruptcy documents and it still has not been removed.
Complaint sub-issue: Can't get flexible payment options

I had to get private student loans for each year of college because I did n't qualify for federal student loans. Upon graduating and shortly thereafter the loans coming into repayment, I could n't afford them and defaulted. XXXX were n't being flexible with me and I never could catch up. Now my credit is terrible, I ca n't get anything in my name just because I went to school to better my future.
Complaint sub-issue: Problem with personal statement of dispute

In 32 YEARS my credit history every single account, including credit cards for large and small purchases, a mortgage obligation, equity line of credit, all of these were paid on time NEVER a missed or late payment. 

For 2 months, I was not able to receive or reply to mail and not able to access communication online, as I was camping and consumed with searching for a home to buy. It was only after I purchased and moved in to my new home that I became aware of the overdue account. I immediately called the credit department at XXXX XXXX, requested and was granted the elimination of late fees, paid the {$17.00} for the flashlight and closed the account. 

With that history of ALWAYS paying credit obligations ON TIME, why would I jeopardize my excellent credit history and PURPOSELY be late on a purchase of a {$17.00} flashlight? 

XXXX XXXX and their bank, Citibank, are making a mountain out of a molehill. Based on my circumstances, it is extremely unfair and a miscarriage of justice to flag my credit history with a late charge and drop my credit score by 100 points for an overlooked {$17.00} charge. Im asking for some COMMON SENSE to be applied in my individual case and for Citibank to remove the negative 30 day late notification and inform the credit agencies that my record is spotless. 

Fairness = equitable = morally right. 
Legal : Relating to the general principles of justice that correct or supplement the provisions of the law. 

THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Complaint sub-issue: Account information incorrect

Equifax has my file split and is showing all my balances are XXXX out when they shouldn't be and is reporting inaccurate information. I have attempted to get through their automated system several times but I can not reach a real person over their phone line. I need this resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX Equifax recieved ( see attatched XXXX shipping tracking label of proof of delivery. see also CRIMINAL INVESTIGATION LETTER of XX/XX/XXXX deliveries not made included in package. see also attatched ID THEFT REPORT case XXXX included in packet XXXX & XXXX. see also included in packet attatched XXXX FRAUD CLAIM LETTER dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX Notice of UNAUTHORIZED TRANSACTIONS NEVER RESOLVED. 
Why doesn't Equifax report the ACCURATE INFORMATION ON XXXX OR XXXX? MY CREDIT IS DESTROYED FROM ID THEFT. Also why has Equifax refused to address having no data on me? I filed Equifax Breach Equifax did Not annouce breach for 2 years. Why? I understand BREACH began XX/XX/XXXX Equifax notified XX/XX/XXXX. Why?
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Debt is not yours

I was being bombarded by calls about a {$2000.00} XXXX ( varied ) debt to XXXX. Not having ever conducted a transaction with XXXX that would result in a debt, I largely ignored these calls for about 6 months. Finally, being fed up with call-blocking not being effective, I contacted XXXX directly XXXX probably sometime in 2020, I'm not sure ) by phone to ask if I had ever had a debt with them. They confirmed I did not, and then I closed my account as a precaution. 

Now I'm receiving statements from a debt collection agency called XXXX. Looking them up online, they appear to be legitimate- but many things can appear to be. I'm becoming more concerned about how this may affect me and I want it stopped before it causes me any damage.
Complaint sub-issue: Other problem getting your report or credit score

Equifax is not updating my XXXX card. Equifax is not updating my credit profile. Why is XXXX stating current and good standing and XXXX balaalsnce but equifax is not. XXXX they all have the same accounts. All.the credit bureaus should be on the same page.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/17 I sent letters to equifax, XXXX  and XXXX  requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.
Complaint sub-issue: Information belongs to someone else

There are five accounts on my credit report that are not mine I have gone thru this with XXXX and Equifax but they are still reporting these fraudulent accounts and I have opened an ftc I have called and been disputing this since XXXX of XXXX I need these accounts off my report because they don't belong to me. 

XXXX XXXX XXXX - XXXX XXXX- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX Inquiries XXXX XXXX XXXX