Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-******************* XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on items are DELETED from other bureaus and I have doubts about their accuracy the reported payment history on items are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Fraud Report : I received a call on Thursday, XX/XX/XXXX, from XXXX Credit department indicating that someone with an Illinois address had fraudulently taken a vehicle loan in my name, with my social security number and my cell number. They asked me to contact the XXXX Credit Victim Department ( at XXXX ), which I did, and they told me that they will start an investigation. 

I also went to the Experian website and saw that someone had fraudulently opened an auto loan account with XXXX Motor Credit on  XX/XX/XXXX with an original loan amount of {$98000.00}. Apparently, that criminal made 1-2 payments and the last payment was over 30 days late, and that is when I was called. That is the first time I ever knew about it. 

I immediately filed a police report and informed all 3 credit bureaus of the fraudulent loan in my name. All 3 credit bureaus froze my credit at my request. 

XXXX and XXXX also REMOVED THE FRAUDULENT ITEM from my credit report after receiving the police report. 

EQUIFAX REFUSES to do the RIGHT THING. EQUIFAX CONTINUES TO FALSELY CLAIM that the FRAUDULENT ITEM on my CREDIT REPORT is ACCURATE. EQUIFAX thus has become a PART OF THE FRAUD AGAINST A CONSUMER. There is little I can do except complain or file an expensive and time consuming lawsuit against EQUIFAX to get my RIGHT. 

Please hold EQUIFAX, and its CEO and BOARD MEMBERS PERSONALLY LIABLE, FOR THIS EGREGIOUS FRAUD. 

Thank you..
Complaint sub-issue: Debt was paid

ENHANCED RECOVERY PUT A COLLECTION ON MY CREDIT THAT I DO N'T OWE. THEY NEVER SENT ME A NOTICE STATING THAT THEY ARE PUTTING ANYTHING ON MY CREDIT. I CONTACTED AT T AND THEY CONFIRMED THAT I DO N'T OWE THEM FOR THE ERRONEOUS ACCOUNT. I DISPUTED THE ACCOUNT AND THEY CONTINUE TO REPORT IT ON MY CREDIT
Complaint sub-issue: Debt is not yours

CONNS is claiming that I owe them {$2900.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Complaint sub-issue: Confusing or misleading advertising or marketing

In XXXX of 2022 I applied XXXX. for an auto loan which they pulled my credit report and sent me an email told me I was approved for A vehicle with about {$1500.00} down and about $ XXXX month. They pulled a credit report which affected my credit score in which I took time off of work to go in person and fill out the paperwork at the end I was denied. I just find it frustrating that they have guaranteed approval odds. After the credit report hurts your score and the time that you take out of your day to be in their location at the end they deny you after sending you a email and text message saying that you are approved.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THD/CBNA - Home Depot Citibank North America keeps issuing hard requests on my consumer credit even thought I have requested numerus times that they do not do that any more!!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE A 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: Their investigation did not fix an error on your report

Im not sure of the exact dates. But within the last 7 months ive submitted letters to to Equifax, XXXX and XXXX to have them remove a lot of credit inquiries from my credit report.. the only response i get from lall three bureaus is that all the inquiries are validated.. validated how? Ive never gotten a detailed examination of each bureaus imvestigation. The majority of my inquiries are unauthorized. Ive also called all three bureaus and they are no help.. Im tired of my inquiries stopping me from getting approved for anything. I work hard everyday and cant get what i want because of the shady nature of the credit bureaus refusing to acknowledge legitimate credit inquiry removal letters.
Complaint sub-issue: Their investigation did not fix an error on your report

How are you doing during this pandemic? Taking more than 60-90 days - i was not late. Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late on the days shown. Something is weird going on my account. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. 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 an account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

I sent a certified procedural verification letter tracking # XXXX delivered and signed by XXXX XXXX XXXX XXXX  from USPS on XX/XX/19 and has been 30 days since they received the letter. I requested documentation of proof of the accounts referenced in the letter to be validated and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that XXXX is unacceptable for verification. However, I have not received any response at all from Equifax and I have not received any information from anyone to verify these accounts. I have exhausted my pro-bono abilities and obviously can not resolve these matters without legal representation. I have disputed and requested actual verification several times and I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
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 items 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 XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX XXXX  XXXXX Date Opened XXXX. XXXX, XXXX Balance {$140.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX Inquired on XX/XX/2023 2023
Complaint sub-issue: Didn't receive terms that were advertised

This is regarding my Citibank checking account ending in XXXX. 

I opened a checking account with Citibank due to a promotion they were running where you would receive {$150.00} for funding the account with {$5000.00} for 90 days. I signed up for the account using the promotional link from their website and funded the account on XX/XX/XXXX, with at least {$5000.00}. Since I liked the app I also opened a savings account and credit card. 

As I continued to not receive the promotion despite meeting the conditions I contacted customer service several times in XXXX and XXXX where I was assured I qualified for and would receive the promotion. I finally took a screenshot of one of the conversations via chat on XX/XX/XXXX, where the representative confirmed I qualified for the promotion and said I would receive the promotion by the end of XXXX ( see attachment, although I am sure you can pull it up from my message history as that is where I found it ). My belief from future conversations was that at this time the employee coded my account with the wrong promotion code which caused the future issues. 

Meanwhile, on XXXX, XXXX, XXXX, as I did not realize I needed to maintain a minimum of {$5000.00} in the account to prevent a {$15.00} service fee, I withdrew the payment for my XXXX XXXX XXXX from the account, dropping the balance under {$5000.00}. In XXXX I received the monthly service fee, which was refunded due to my reaching out and once I learned of the balance requirement I brought the balance back up to at least {$5000.00}. I have since been charged the fee every month since and have had to make multiple contacts to customer service. The most recent fee for XXXX they claim they are unable to refund even though my balance has been over {$5000.00} since XX/XX/XXXX. 

As I still had yet to receive the promotion I continued to reach out to Citibank via phone and email and eventually reached out to them via XXXX. 

On XX/XX/XXXX, I was contacted by their Social Media team who was extremely discourteous and unhelpful and took every opportunity to be condescending and couldn't even find the correct promotion. 

They told me about the the terms of another Non-targeted offer, which started XX/XX/XXXX, the Promotion code was XXXX, showing they did not even know what they were researching since I opened the account in XXXX of XXXX. I eventually had to end the conversation because they were so unhelpful. 

I find this very disappointing and more than anything want other consumers to beware dealing with Citibank because they are actively trying to not abide by their own promotional offers. 

I would also like the {$150.00} promotional credit and the $ XXXX  Monthly service fee refunded to me for a total of {$160.00}. 

Thank you, XXXX XXXX
Complaint sub-issue: Debt is not yours

Stating that i owe a debt that is not mines I am the original creditor Violation of rights sold information to third party
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Complaint sub-issue: Information belongs to someone else

Equifax is knowingly reporting false/inaccurate information due to identity theft 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. Wrong names being reported. Inquiries that I did not authorize being reported. 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 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Equifax is breaking the law.
Complaint sub-issue: Problem getting report or credit score

On XXXX I placed a fraud alert. Today I ordered my free report from XXXX and XXXX, but EQUIFAX denied my request saying I already requested my report. This is false, but they offer no way to dispute it or speak to a representative. The EQUIFAX automated line says that in order to dispute this fact, I need to call the number on the report that I am saying I did n't receive. This is just wrong. A Credit Bureau should not be able to hold consumers hostage. I am a victim of the XXXX identity leak and so all Federal Employees are subject to this poor treatment. Can you help me get my free credit report from my fraud alert from EQUIFAX?
Complaint sub-issue: Debt resulted from identity theft

I was a victim of identity theft and noticed a collection from AFNI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Complaint sub-issue: Debt is not yours

I would Like to file a complaint on AFNI COLLECTION AGENCY On  XXXX   XXXX   2017  I sent in a debt validation on account that they say I owe So Today  XXXX   XXXX  I got a letter from AFNI With some bogus logo from  XXXX  I have never had a account with  XXXX  or AFNI in my previous Certified mail request to AFNI I asked them to please send me a copy of any credit application signature attached An Explanation of what the alleged account blance was for. Documentation that shows I agreed to pay the debt Also agreement that grants them the authority to collect on this alleged debt. A copy of their state License. That failed to send me the all of the information about this account that they claim I owe. at this point I would Like to file a complaint of HARASSMENT because they did not provide me anything regarding that this is indeed my account I also would Like to ask AFNI NOT TO CONTACT ME UNLESS THEY PROVIDE THE ITEM THAT I HAVE REQUESTED ABOVE.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX a collection account was placed on my credit report from XXXX XXXX and it says the original creditor was XXXX insurance. I have never had any products with XXXX nor have I ever seen or heard of this debt. My report states the collection was assigned to the agency on XX/XX/XXXX, yet it just popped up on my Equifax credit report on XX/XX/XXXX and Ive never received correspondence regarding the debt. I spoke with an agent from XXXX insurance on XX/XX/XXXX and gave her my social security number as well as many other personal identifiers to see if she was able to find any accounts, open or closed, under my name. Nothing was found as Ive never been a customer with them. I then spoke with the collection agency directly on XX/XX/XXXX and the representative on the phone wasnt able to pull up an account in their system with my name, address, or social. Both the collection agency and original creditor say they have no record of me in their systems, yet I have this collection shown on my report. I attempted to reach out to Equifax and they have not been helpful with this. Another thing to mention is under remarks this account states consumer disputes. Reinvestigation in progress. While I do dispute the validity of this account, I have never formally put in a dispute so I dont understand where any of the information theyre reporting is coming from.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Right to dispute notice not received

I am showing XXXX collection accounts on my credit from Americollect. It states they are collecting for XXXX XXXX. I have a few issues with this collection agency. The first is I never received a notice from this collection agency to dispute or validate the debt. I had to call XXXX XXXX to find out what this was, who stated they sent a XXXX balance to Americollect. The last statement I received from them was XXXX 2015. Only recently I checked my credit to find Americredit reporting not XXXX account for XXXX but XXXX accounts for XXXX. It seems to have been opened with them around XX/XX/2015. Not only did I not receive written notice from this collector, they are not following guidelines of the FACT act. This debt collector continues to report this debt each month as if there has been activity on this account or payment is being made. My credit score recently dropped XXXX points because they are reporting this over a year old debt as a new debt. Overtime this account should have a less affect on my credit.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

The company keeps calling my boyfriend and telling him that I owe certain companies certain amounts of money. The guy is giving him company names and amount details. 
I returned the mans call the first time he called my boyfriend and said I wasnt allowed to have calls during work hours. He said I was lying. He continued to call me multiple times a day even though I answered. I asked several times for physical copies of the bills he has told me he does not have to provide that and that there isnt a supervisor that would want to talk to me. I have asked him to stop calling people I know and he said he would then he did it again.
Complaint sub-issue: Debt was result of identity theft

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the EOS CCA with a Balance of {$83.00} still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020 a hard inquiry appeared on my Equifax credit report that I did not authorize. I contacted Equifax, who informed me to file a complaint with the FTC. This was a fraudulent inquiry. I absolutely did not apply for credit with XXXX.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$1800.00} XXXX XXXX XXXX : XXXX -- -> : {$3300.00}
Complaint sub-issue: Personal information incorrect

I have contacted Equ ifax MULTIPLE  times regarding addresses that do not belong on my credit report.   Incorrect Addresses :  XXXX   XXXX   XXXX ,  XXXX  MN  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  MN  XXXX  I have received multiple confirmation that these address have been deleted from my credit report yet they are still there.   Confirmation  XXXX  completed  XXXX / XXXX / 2017  - results items were deleted. Items still on my credit report so I filed another dispute  XXXX / XXXX / 2017  completed  XXXX / XXXX / 2017  however a results was never populated I called  XXXX / XXXX /   2017   XXXX  told me this has not been done, she created another dispute  XXXX  to have the addresses removed. WHY are these addresses not actually being removed but you continue to send me information these have been removed.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX**** XXXX  XXXX**** XXXX/XXXX XXXX** XXXX XXXX XXXX**** XXXX  XXXX & XXXX XXXX**** XXXX/XXXX XXXX**** XXXX XXXX   XXXX**** Chapter XXXX  Bankruptcy
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have a {$220.00} charge on my XXXX XXXX Credit Card. When I called XXXX 's they said it was part of some promotional thing and the promotion has ended. I asked what promotion? They said some credit protection. I said I did not sign up for protection. They ( XXXX XXXX ) said to call that number for Credit pro. I called them and they said I signed up in XXXX XXXX. I did not sign up. They said they will stop the Credit protection and reverse only {$6.00}. 

Here is what probably took place. I have had XXXX 's card since before XXXX XXXX. When I was in XXXX from XXXX XXXX to XXXX XXXX the account was closed by XXXX XXXX. I believe I tried to buy something at a store and they said I could n't because the account was closed. So I got on the phone with someone and the reopened the account. I never signed up for any Credit Card Protection. If they did ask me on the phone for it then I would have not signed up for it. This is a deceptive technique and I am not the only victim. I want that {$220.00} back off XXXX 's card.