Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XX/XX/2022, I had gone to the ER for medical-related issues. Afterward, I had my bill fully covered by my health insurance company. Being said that, I had received a call from debt collection of an unpaid medical bill which had already been paid ( and settled with my hospital & insurance company ) however it had brought my credit score down by XXXX. It had originally been XXXX, which was then taken down to XXXX or so. I've resolved everything with my insurance company and hospital however I still have yet to fix my credit score as this was used against my credit score for no fault of my own. I am trying to apply for an auto loan which I no longer qualify for due to this mishaps due to collections affecting my credit score to an already paid medical bill. Please get back to me when possible. I am very upset by the downfall of this.
Complaint sub-issue: Information is not mine

They sent me back info saying it will not be removed and it was not investigated
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. 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, 15 USC Sections 1681i 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 : Late/Closed XXXX XXXX  XXXX Balance {$9100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} Opened Date XX/XX/XXXX ChargeOff XXXX XXXX XXXX XXXX {$0.00} Opened Date XXXX XXXX, XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Today after trying online, via text, automated phone and a live agent, Equifax would NOT freeze my credit report after I told them I received a credit card in the mail the other day, that I never applied for. I called credit card holder " XXXX '' whom closed the account and was told it was opened online in VA on XXXX/XXXX/22. I live in PA with my family and work in PA. I've also seen other hard inquiries on my credit report that were not initiated by me. I froze my XXXX and XXXX in minutes yet Equifax was asking me to provide every single open, closed and collections account under my name, with balance & payment amounts, open and close dates and so on and so on. When I could not recall one account that they asked info for, the female agent said she could not verify my identity! I answered dozens of questions and yet she refused and then put me on a hold that was never picked back up. How do I go about filing against Equifax and holding them responsible for keeping my credit report vulnerable?
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNT AND INQUIRIES BEING DISPUTED WAS NOT AUTHORIZED BY ME. THE ACCOUNT HAS BEEN HARMING MY CREDIT AND IS CONTINUOUSLY REPORTING ON MY REPORT. PLEASE HAVE THIS ACCOUNT AND ALL THOSE UNAUTHORIZED INQUIRIES REMOVE OFF MY CREDIT.
Complaint sub-issue: Investigation took more than 30 days

This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me! This account is not mine.
Complaint sub-issue: Didn't receive terms that were advertised

Citi advertised XXXX $ promotional bonus if i opened the account and deposited XXXX $ and maintained the XXXX $ for 60 days and provided them w9 form. I opened the account in late XXXX and deposited XXXX $ on XX/XX/XXXX and kept the funds for 60 days till XXXX. I also sent them my w9 and in the chat they confirmed receiving the w9 on XX/XX/XXXX. In the chat they also confirmed that i have met the requirement for bonus and i should receive it soon. But i has been 5 weeks since i sent the w9, nearly 2 and half months since i opened the account with them and they have not credited the bonus. every time i chat with them, they only say that they are processing my w9 form. This unneccessary delay in crediting the bonus feels like avoidance of honoring their terms. 
Their customer service is awful. So far i have contacted them via chat 5 times. 
with this complaint i am attaching their promo screen shot, my 2 months checking statements and my two chat transcripts of them confirming receiving my w9 and me meeting the requirements for the bonus. I am disappointed at the delay in their crediting the bonus and having to contact CFPB to get them to do it. I have only contacted CFPB after other customers have complained that they did the same. Citi is apparently famous for not honoring the bonus.
Complaint sub-issue: Account status incorrect

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXXBalance : {$870.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXXBalance {$1300.00}
Complaint sub-issue: Information belongs to someone else

inaccurate information no knowledge of accounts reported through FTC identity theft and PO report, violation of FTC and CRA
Complaint sub-issue: Information belongs to someone else

CREDCO has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt
Complaint sub-issue: Account information incorrect

Per the credit report, information has not been updated since XX/XX/2022. The balance on the account has dramatically decreased to {$1600.00}. This is in reference to the following account : XXXX XXXX. Account number begins with XXXX. The business has failed to follow the proper credit reporting cadence with updating information on a monthly basis. The major credit reporting repositories are providing outdated information from XXXX weeks ago.
Complaint sub-issue: Information belongs to someone else

These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. 

Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).
Complaint sub-issue: Was not notified of investigation status or results

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note I am the only natural person writing this statement. There is no 3rd party helping me with this matter. The credit reporting agency failed to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Please see attached letter that was sent.
Complaint sub-issue: Debt was result of identity theft

Company reached out to me in regards to a debt that I did not have any prior knowledge of. Company fail to disclose any information other than an address associated with the medical debt, where I never lived or had any association with.
Complaint sub-issue: Reporting company used your report improperly

WHAT ARE YOU GOING TO DO WITH MY FINANCIAL LIFE POSSIBLY BEEN DESTROYED AND MY ALL INFO BEEN UP FOR BAD GUYS GRAB TILL THE END OF MY LIFE AND FOREVER EVER??????????????????? 
I GAVE NO CONTENT TO KEEP MY PRIVATE INFO AND USE IT WITHOUT MY EXPLICIT CONTENT! 
CLOSE ALL CREDIT SCAMMING OUTFITS - THE INFO THEY HAVE IS MY PRIVATE INFO - I DO NOT WANT IT TO BE KEPT IN ONE PLACE " GUARDED : BY XXXX  MUSIC MAJORS
Complaint sub-issue: Reporting company used your report improperly

My information was compromised in the Equifax hack.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute with XXXX  XXXX Bank ( USA XXXX Na over 30 days ago and they have yet to respond to my Affidavit Of Truth, which was sent to them via certified mail. Which they received on XX/XX/21 and they have failed to answer. I informed XXXX XXXX Bank ( USA ) Na that I am disputing their claim. Moreover I requested that XXXX XXXX XXXX ( USA ) Na supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal. XXXX XXXXXXXX Bank ( USA XXXX Na never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency. This account should have been deleted off the CRA files. Further more the fair credit reporting act regulates how creditors handle consumers dispute. The statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct. After 30 days have expired if creditor have not completed the investigation the disputed item must be deleted. Finally XXXX  XXXX Bank ( USA ) Na failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine. XXXX XXXX Bank ( USA ) NA has failed to show burden of proof 15 U.S. Code 1643 ( b ) Burden of proof In any action by a card issuer to enforce liability for the use of a credit card, the burden of proof is upon the card issuer to show that the use was authorized or, if the use was unauthorized, then the burden of proof is upon the card issuer to show that the conditions of liability for the unauthorized use of a credit card, as set forth in subsection ( a ), have been met. XXXX  XXXX Bank ( USA ) NA has failed to reply to the affidavit, its has been well over 30 days. I am asking that all negative remarks be removed from my credit file which XXXX XXXX Bank ( USA ) NA falsely created.
Complaint sub-issue: Other problem getting your report or credit score

1 ) I applied for a car lease loan on XX/XX/2020. 
2 ) XXXX claims they received a score from Equifax of XXXX. They approved the loan. 
3 ) On XX/XX/XXXX I arrived to pick up car and they alleged that Equifax gave them a score of XXXX. The loan was modified. I suspected a scam. 
3 ) They claim they have the proof to confirm that the " XXXX '' is valid. It is hard to believe their claim because .... 
4 ) Data on my Equifax report does not support a 53-pt reduction in a span of 18 days. 
5 ) If anything, data reveals a reduction in debt, hence score would remain the same, at worst. 
6 ) I need to confirm that Equifax INDEED supplied a score of " XXXX '' to XXXX in order for me to consider a next step, legal or otherwise. Without this confirmation, I am unable to proceed in either direction. 
PLEASE HELP!!!! Thank you!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Attention : Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XXXX Made with : Equifax Made by : XXXX XXXX XXXX  Made on : XXXX Made with : Equifax Made by : XXXX XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax
Complaint sub-issue: Was not notified of investigation status or results

I sent in letters to request these negative items be removed from my credit report permanently on XX/XX/17 and have not received a response regarding the validation of items I requested. It has been months and still nothing. This is illegal and I demand that these items be immediately removed from my credit profile permanently.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Old information reappears or never goes away

I have contacted the XXXX XXXX ( that you allow ) of XXXX  at least half a dozen times about the XXXX, the misinformation and completely fake report they are presenting. Almost NOTHING on it is incorrect. They refuse over and over again to EVER change their non stop lies and fraudulent information. They are some of the worst XXXX and XXXX in America and must be stopped PERMANENTLY. They have been doing this to me, and I am certain everyone else, for DECADES! How do you allow them to continuously and endlessly commit fraud with no repercussions? STAGGERING!
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed errors on my credit report with XXXX XXXX, Equifax and XXXX  several times. 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.
Complaint sub-issue: Account information incorrect

Equifax credit score is 100 points lower than the other 2 credit bureaus. This can't be Please correct or explain logic to this error.
Complaint sub-issue: Information belongs to someone else

As per Section 609 I am entitled to see the source of the information, which is the original contract that has my signature, pay off disclosure, interest rate disclosure, and payment history, please provide. 

Equifax XXXX XXXX XXXX Is in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification/ validation for. In the amount of {$490.00} There was no written form of communication contact or signature for this accused debt at all. Starting that I agreed to pay said amount. Section 609 refers to a section of the Fair Credit Reporting Act As per Section 609, I am entitled to see the source of the information. A bill is not a signed contract! Please dont not send me a bill. This is not a signed contract Please send the signed contract explaining that I signed agreement to pay said owed amount. If XXXX wireless can not provide this by law they must immediately have items deleted. The collection agency is required to have and provide this information.
Complaint sub-issue: Frequent or repeated calls

I am receiving multiple calls from this company on multiple occasions. I know they are allowed to call once a day and I have no problem with that except they never leave a voicemail.I have received a calls on many dates that I can provide call records for, these are the ones that stick out the most, XX/XX/2019 XXXX XXXX ( this one I answered and got no response on the other line ), XX/XX/2019 XXXX XXXX ( 3 separate calls at this time ). I called and asked why they were calling so much and was told, " sorry for the over calling '', -I asked they remove my number and the gentleman said ok and hung up. This is all from -phone # XXXX. I have read reports about them using multiple numbers but those numbers can not be found. I have a few numbers I have blocked. I don't know if they are related due to them never leaving a message.
Complaint sub-issue: Problem with product or service terms changing

You mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to your XXXX website, and I would like a resolution.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate, invalidated and questionable items on my credit report and to this day it's been over 45 days later and I have not received a response concerning this matter. I feel like I am being ignored on this very important issue that's impacting my financial situation and credit worthiness. Section 611 plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from ones credit report. In my case it has been 45 days and counting so they should be deleted promptly. 

I demand these accounts to be delete immediately or I will file litigation due to the stress this has caused me. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong people.
Complaint sub-issue: Transaction was not authorized

I was sent multiple ( at least five ) ads to open a savings account with Citibank and was promised frequent flyer points and a 0.75 % interest rate ( apy ). Immediately upon depositing the money they set my rate to 0.5 %, 2/3 of what was promised. I consider it false advertising and fraud. 

I called them and they said they have the right to change interest rates anytime they want. I've told them they have to honor what they advertised since it was on that basis that I opened the account.
Complaint sub-issue: Reporting company used your report improperly

I was affected by the Consumer reporting agency data breach. I did not consent to anything and my privacy was violated.
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. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax and XXXX  are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Complaint sub-issue: Need information about your loan balance or loan terms

Lawsuit filed against me onXX/XX/2016. 
CAN NOT get attorney to respond to my WRITTEN REQUEST for documentation of debt. 
Lawsuit filed. 
I responded pro de ... .yet NO response.