Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Report improperly shared by CRC

XX/XX/XXXX i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX.i tried again XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no one else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries
Complaint sub-issue: Information belongs to someone else

I have a pending complaint to Equifax filed thru CFPB   XXXX  . Their response was addressed to a certain   XXXX   XXXX  , not for me :   XXXX   XXXX  . Are they really working on my c/o. Or did they send their response for me to   XXXX   XXXX   and vice versa. Please see following " copy and paste '' " STATUS '' Company responded o n  XX/XX/XXXX  R ESPONSE TYPE Closed with explanation Company 's Response " Dear   XXXX   XXXX  , we received the complaint you submitted through the Consumer Financial Protection Bureau Portal. Equifax has reviewed the complaint and its records. MO FED BK   XXXX   XXXX   account   XXXX   was verified by the data furnisher with your name, current address and social security number. Written confirmation has been sent to you. Please allow 7-10 business days for delivery. If you have documents that release you from these obligations, please forward them to Equifax Disputes,   XXXX   XXXX   XXXX    XXXX , GA  XXXX  or you may visit us at www.equifax.com ''.
Complaint sub-issue: Debt was result of identity theft

Ive never dealt with XXXX and Im being told that my information is verified and that my email is also verified but Ive never used XXXX or even attempted to use XXXX too build credit all my debts on my account have been attempts to build credit
Complaint sub-issue: Information belongs to someone else

I AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE EQUIFAX BREACH. PLEASE ASSIST ME IN CLEARING MHY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

The following accounts were opened fraudulently in my name, as reported to the FTC the bureaus and the local police department 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: Investigation took more than 30 days

I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results...
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted the bureaus multiple times on this issue. my initial investigation started XX/XX/2021 and is long overdue for removal under the terms that the bureaus have yet to send me proof that I in fact submitted these inquires myself such as original documentation with my signature, instead, they just send letters saying it's been verified but they are going against the FCRA by not sending me the proof they obtained! I've pleaded for proof but still, no proof has been sent! here is a copy of the letter Equifax sent me in response saying it's been verified. if you in fact verified this account why have you yet to send the proof of verification to me as well! please help me in this matter! they are affecting my credit report negatively! this also goes for XXXX and XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX
Complaint sub-issue: Other problem

So I made a credit card payment of {$200.00} which posted to my account on XX/XX/XXXX. The running balance showed {$1500.00} after that {$200.00} payment. See attached photo. Fast forward to around XX/XX/XXXX or so I went to make my payment for XXXX. This is when I noticed the discrepancy. My running balance was still showing {$1500.00} yet my statement balance showed {$1700.00}. I contacted customer support and through multiple conversations with different representatives, supervisors, ect none of them where able to explain the discrepancy. I sent in the screenshot of what I was talking about and then I received an email on the XXXX of XXXX stating that per my request the dispute had been resolved and dropped. I then reached out again to customer service and informed them that I didn't resolve my dispute nor had I said anything along the lines of wanting to drop my dispute. When I inquired about me dropping the dispute and how that all came about I received a sympathetic message from a representative through the text message portal that let 's you speak with live agents. However, despite the sympathetic text the agent still couldn't answer my questions. They never did answer or were able to answer my initial question of why there was a {$200.00} discrepancy. I recieved one answer saying that the difference between the two was because they had issued me a temporary credit of {$200.00} and that is where the {$200.00} discrepancy came from. I pointed out that the running balance I was referring to was screenshoted on XX/XX/XXXX and that it showed {$1500.00} yet my statement balance showed {$1700.00} and this was all screenshoted before I even initiated a dispute. I then went on to have several other conversations with different representatives and one thing was always consistent. They were never able to answer my question and explain how or why I had two different balances showing which has been extremely frustrating and I now am starting to think I'm getting screwed out of {$200.00}. I've attached a screenshot from XX/XX/XXXX showing the balance in question as it shows {$1500.00}. I then have a screenshot from today XX/XX/XXXX showing my running balance after a payment of {$200.00} posted yesterday. I also included emails concerning when I initiated the dispute and an email telling me of my case being dropped when I had never asked for it too be
Complaint sub-issue: Problem with personal statement of dispute

All of my identifiying crucial information was stolen. Im now at serious risk of identity theft because of equifaxes negligence.
Complaint sub-issue: Their investigation did not fix an error on your report

1 ) My XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be. 

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all 3 bureaus.

3 ) My XXXX XXXX Credit Card does not show up on my Equifax report but shows on XXXX & XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

UNKNOWN HARD CREDIT INQUIRIES I DID NOT APPLY FOR? 

1. XXXX XXXX BANK on XX/XX/2021 2. XXXX  XXXX on XX/XX/2021 3. XXXX  XXXX on XX/XX/2021 4. XXXX XXXX on XX/XX/2021 5. XXXX  on XX/XX/2021 6. XXXX on XX/XX/2021 7. XXXX  XXXX on XX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

The data reported to the Credit Bureaus ( XXXX, XXXX and XXXX ) in regards to a late payment to Citi Card account ending in XXXX was incorrect and was due to an error by Citi. 

After investigation by Citi, it was confirmed that there was a representative error in regards to my account ending in XXXX. On XX/XX/XXXX I had requested my account be closed and the representative I made several requests to never closed it. 

On XX/XX/XXXX, I was alerted by XXXX XXXX that my credit score had dropped significantly due to a late payment. I immediately investigated why and promptly reached out to Citi to get this resolved. 

On XX/XX/XXXX, same phone call, the manager of the representative with whom I had spoken, reviewed the transcript of the call and chat in which I made this request, and confirmed and agreed that the account should have been closed on XX/XX/XXXX. 

Because the account was not closed, this resulted in additional charges to the card that were not authorized, and because I thought the account was closed, I was unaware of. 
The late/delinquency fees associated have been credited back to the account by Citi. The charges made to the card after the account should have been closed that resulted in the outstanding balance have also been refunded to the card which should result in a {$0.00} balance on the account. 

On XX/XX/XXXX, the representative that was helping resolve the matter closed my account with Citi. 

I wrote a letter to their credit dispute department requesting that this data be removed from my credit history as soon as possible and immediately. I am in the middle of buying a house and this is damaging to my credit score and needs to be resolved immediately. This is incredibly harmful timing for this be happening and would appreciate all efforts to resolve immediately. 

How can a company rep make a mistake and now its going to cost me somewhere to the tune of {$50000.00} over the life of my mortgage? I need this resolved literally immediately. They are pulling my credit for interest rate in the next few weeks. Just unbelievable that they can make a mistake and I suffer for it. 

They promised that they would submit to the credit bureaus that it was inaccurate. However, I submitted the dispute to the credit bureaus, they investigated and said that Citi told them the data they hod originally submitted was correct. So they did not fix my credit score.
Complaint sub-issue: Problem using a debit or ATM card

I notified cash app of a transaction I wasnt aware of for XXXX it happened when I had lost my phone I didnt realize it right away but when I did I notified them and they kept dragging me along with not responding and never actually attending to the claim I was trying to file I would send them every single detail they wanted but ti no avail did they respond with a solution I basically had to repeatedly file my complaint and it never got resolved I advised them I dont make transactions in that amount I also advised them of the party receiving it they had a foreign name and i had never done any transactions with them my history can prove that the date of the transaction was on XX/XX/2022 for {$3000.00} I asked them if I should notify police they assured me not to worry they would take care of the issue they never did so I gave up I was unaware your agency existed to help consumers in my situation not lose their hard earned money
Complaint sub-issue: Privacy issues

I wrote into THD ( Citibank NA ) on XX/XX/17 with the following request verbatim in their secure messaging system : Please limit my privacy options : Remove all sharing. Do not share or market my information with any third parties at all. This includes affiliates and non affiliates of Citi or THD.

Change my email settings to Service Contact Only. I do not want email offers.

Change all phone settings to Do Not Call.

Change my privacy to not receive any telemarketing offers by phone or mail.

Take me off any calling or mailing list please.

Thank you!

The response on XX/XX/17 was verbatim : As you requested, we have updated your privacy options. Your name may be included in marketing programs currently in progress, so please allow 30 days for all solicitations to cease.

Please let us know if we can be of further assistance.

This request has not been fulfilled. I am still receiving promotional emails every few days. I have saved all items sent after 30 days in my inbox. Currently I have 5 items received on or after XX/XX/17. The actual dates are XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, and XX/XX/17. I will continue to monitor as additional emails get received. This is a clear violation of my request and my privacy. I never received any promotional offers from THD prior to the issuance of this credit card
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, Dept of education/XXXX  # XXXX, XXXX XXXX university # XXXX, Us Dist ct # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Child Support # XXXX, XXXX 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 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  was placed on a two month Covid-19 assistance program in which the minimum payment due was reset to {$0.00} for XX/XX/2020 and XX/XX/2020 The account was also known as card member services was paid in full on XXXX XXXX 2020 given the minute balance due This was reported as 90-120 days past due then 90 now 60 but remarks state 90-120 It was never late this account is 8 years old with zero late pays. Proof of call logs showing when it was set during XX/XX/2020 and payment have been submitted via mail, email and certified mail inclusive of social license and deed with zero correction
Complaint sub-issue: Trouble with how payments are handled

My parents have been paying my student loan for the past 5 years. They accidently overpaid the student loan by mistake ( were supposed to pay another on-line bill pay company ) and it 's been over 3 weeks and the student loan servicer refuses to expedite the return of the overpayment. it 's currently a hardship on my parents. I was told several conflicting answers on how the repayment of this overpayment would be handled
Complaint sub-issue: Problem with customer service

I had gone to this store before for tires just paid it off been a citi customer longer. Went to see why my brakes were grinding on XX/XX/XXXX was told one rotor got stuck but BOTH had to be replaced both sides. that is not necessarily true i found out after i signed the receipt. Signing the receipt may be legally important but it says i received goods not that i cant dispute the pricing or the accuracy of what i was told when i was there. anyway i was charged XXXX it should have cost about XXXX my research reveals AFTER i was there. Further both sides did not have to be replaced. I feel very uncomfortable now i wont return there and i feel the parts were marked up way too much. i want XXXX dollars back or thereabouts.i have rights. I asked over and over if this was the only way to go. at that price etc both sides and i could not find out just how much they overcharged me on parts til after i left. I did write them a letter with no response the store. -XXXX XXXX I am unable to use my card now until there is just resolution
Complaint sub-issue: Information belongs to someone else

XXXX Corporate Headquarters : XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, Utah XXXX REGISTERED TRADE NAME PROPERTY NOTICE TO CEASE AND DESIST From : XXXX XXXX XXXX DBA XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX, WASHINGTON XXXX XXXX ] Date : XX/XX/2021 Re : Registered Certificate of Assumed Name XXXX county Superior Court No. XXXX and Registered Trade Name with Minnesota Secretary of State File No. XXXX. DC Corporations Division : XXXX XXXX, The trade name XXXX XXXX XXXX, et alia ( TN ) is registered property of XXXX XXXX XXXX. 
It has come to my attention you are in direct violation of infringement on my property. 

The infringing actions include the following : Misappropriation of the TN on credit bureau reports.Take notice, I have the right to protect, limit the use, protect my good will, reputation and commercial affairs and the use of my property. You are in a trespass on my TN NOTICE OF PENALTY FOR UNAUTHORIZED USE XXXX XXXX XXXX united states dollars penalty for each unauthorized use of the TN or any derivative or variation thereof is your agreement to pay me per unauthorized use. These terms are due and payable in net seven ( 7 ) days. 
Authorized use requires prior express written permission from the undersigned owner of the TN or any derivative thereof. 

IT IS REQUIRED THAT YOU : Remove all TN references from credit bureau agencies at once You have ten days ( 10 ) to comply with the above request. 

I remind you that this letter serves as a pre-suit notice for a lawsuit against you and failing to correct will likely make you liable for any damages the court determines I have suffered as a result of your infringement ( s ) including any reasonable attorneys fees. 
It is in our best interest to have this issue settled outside any federal or state court.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit bureaus fail to provide proper information to validate a alleged debt. XXXX, XXXX and XXXX violated my rights as a consumer. Pursuant to Us code 15 1692g.
Complaint sub-issue: Seized or attempted to seize your property

Since early XX/XX/2020. United Legal Group has been contacting me everyday, they are calling my extended family members my mothers and XXXX brothers. I dont know how they got their contact information, I never gave anyone their numbers. I have asked them to stop calling me since I have a loss of income due to the coronavirus pandemic. They have noted to me that they dont care of the pandemic and I still have to pay. They have told me that they can garnish my wages and seize my property by taking me to court if I dont pay. I have asked them multiple times if they can contact me in XXXX when I may have a job and circumstances are more better for me to pay for at the moment I have no income. I dont have any money to even pay my own bills, I feel harassed my this credit company, they have even yelled at me and are very condescending. I feel afraid if I get a job after the pandemic is over that they will take my wages, Im afraid to pick up my phone for fear Im going to be harassed by them.
Complaint sub-issue: Information is missing that should be on the report

Equifax does not update my credit report after several attempts with the company. Its been 6 months without a change. 

Its missing 2 credit card account that makes the majority of my credit age and number of accounts with corresponding to about 33 % of the itens that compose the credit factors. 

The difference from their credit report compare to XXXX and XXXX is about XXXX points. 

All credit card companies mentioned report to Equifax on a monthly bases. 

Its been known by the public that the company is having problems this year with their system and affecting millions of people. I am one of them. Please fix my credit report immediately.
Complaint sub-issue: Can't get other flexible options for repaying your loan

in XX/XX/XXXX I was contacted numerous times about payments on the account, and was told that I was put on a forbearance for 3-6 months, was asked to send in paperwork, however my credit report was affected negatively. no-one can offer explanation.

in XX/XX/XXXX I have been making payments and still my credit report is negatively affected, interest keeps going up, and ballance shows to steadily increase. I have tried several times to call and speak about this but no-one can offer a reasonable explanation.
Complaint sub-issue: Account information incorrect

I applied for a credit card with Discover through a soft credit inquery and was denied. I then only switched the value to the desired amount ( less ) for credit and resubmitted, though this time they treated it as a hard credit pull without explicitly stating this information up front. 

I've called Discover multiple times about this and they stand firm that they are right and I should have known that this minor adjustment within the application would trigger a hard credit pull. 

This is total XXXX XXXX that they are standing by this, they don't even know what the web portal looks like, but are comfortable saying I should have known. I've talked to them on the phone for hours and they are not helping me, it's mind blowing that they can stand firm on something they don't even know about, nobody I talk to even knows what the credit application looks like or includes. 

I want this removed, it is not right and Discover mislead me by saying it was a soft credit pull and did not clearly state this minor adjustment to the application would evolve into a hard credit pull.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Account terms and changes

I had a credit score with Equifax of XXXX on XXXX/XXXX/2016. On XXXX/XXXX/2016 I have a credit score of XXXX. The only thing that has changed is my address. These people at Equifax took XXXX points away from my credit due to I changed my address. Hey I would like to file a lawsuit and actually received some proper resolutions from the consumer credit agency. This is crazy. I want justice and I want it today. These people can not take XXXX points off of my credit due to I changed my address. What XXXX is really going on here. Please ask this Equifax credit agency why are they taking XXXX points away from someone XXXX credit score because they change address. All of my bills have been paid on time, nothing late and nothing has changed except my address. They need to give you, me, somebody a explanation of why they took XXXX points off of my credit and all I did was change my address. Is someone trying to buy something I do n't know about. They need to reveal why they took the XXXX points, or else put them back today. XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I received a letter from XXXX XXXX onXX/XX/XXXX saying that they would remove all four accounts from my credit. It is nowXX/XX/XXXX and they are still on there. i have enclosed the letter they sent me.
Complaint sub-issue: Information belongs to someone else

EQUIFAX CONF # XXXX REP : XXXX XXXX XXXX {$810.00} IS STILL REMAINING ON MY CREDIT FILE AND PER THE FTC REPORT NEEDS TO BE DELETED/REMOVED AND BLOCKED ALONG WITH LISTED UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, FXXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DBA XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. **UNAUTHORIZED HARD INQUIRIES PER FTC REPORT TO BE DELETED/REMOVED & BLOCKED. THE ABOVE UNAUTHORIZED FINANCE ACCOUNT AND ABOVE LISTED UNAUTHORIZED HARD INQUIRIES STILL REMAIN ON MY EQUIFAX CREDIT FILE AND IS HURTING MY CREDIT. EQUIFAX PREVIOUSLY TRIED TO STALL ON THIS IN THE PAST AND NOW I ONLY FEEL COMFORTABLE WITH FILING A COMPLAINT AT THIS POINT TO ASSURE THAT THESE THINGS ARE DELETED WITHIN 5-7 DAYS PER THE FTC.
Complaint sub-issue: Account status incorrect

I was never late paying my auto loan. Equifax and XXXX  wont cooperate when I asked them how they came up stating the account is verified. CFPB amp up and do something to remove XXXX XXXX   XXXX