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

I called Equifax after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE accounts on my personal profile ; I noticed that there were CHARGE OFF accounts on my 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 which are UNKNOWN to me . This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts are inadvertently resulting in me being extorted.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

ive tried a few times to correct this problem the fair credit act states that they need to provide me proof to these inquirys and have not got a thing i want to see proof of my signature and every thing else in regards to these inquirys if they cant provide my signature they need to get those inquirys off my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 & XX/XX/2021, I contacted Lexis Nexis via certified mail asking them to validate how they received information on a bankruptcy that they are reporting on my credit report. I have not received anything In writing as to how they validated this information they are reporting on my credit report. The federal law requires them to respond within a 30 day window and they did not. I also contacted the Bankruptcy Court myself and they told me that they do not furnish this information to any credit reporting agencies. 
Please help me with this matter!
Complaint sub-issue: Can't use card to make purchases

On XX/XX/XXXX I received 2 letters from US Bank. One stated the same as my previous complaint. The second was a retaliatory letter claiming " fraud '' and the inability to raise my credit limit without proof of ID, social security, et cetera. 

This is clearly retaliatory actions as apparently a credit card can be opened without this information, but the moment a complaint is submitted there's a " threat of fraud '' The lack of professionalism and predatory card services is just overwhelmingly disgusting and this adversely affects my credit if I were to get another credit card, etc. It's unbelievable that a bank can get away with this.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, IC SYSTEMS. I did not open or authorize the accounts that you report a balance of {$400.00}. This fraud account was not opened by or used by me. I've never had an obligation to you or the medical companies you represent. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to any medical physician, office, or affiliate to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me. Still, anything more is only to be revealed with the patients authorization and I have never given permission to any physician. However, please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have advised Mike Carlson Motor company to cease all communication with me. I asked to not be contacted via phone or email. I received 3 emails on three different days after being told to do not contact me. I have been in contact with the company by me dialing in. I have made them aware I 've been in the hospital and XXXX XXXX XXXX. This company is using scare tactics, false statements and practices on its customers. I have spoken to countless managers and also spoke with the general manager or asst general manager about my complaints and concerns with this company. This is an ongoint issue and is now harrassment.
Complaint sub-issue: Account status incorrect

My five credit card account is not delinquent Or derogatory.
Complaint sub-issue: Information belongs to someone else

I am not an attorney nor a third party I am filing this complaint due to a previous complaint that was never addressed by the credit bureaus. I have filed a police report over the fraudulent account from XXXX XXXX XXXX # XXXX. Plus there was some information on my report that is inaccurate. I am in the process of starting my new business and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 605b, 623, 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute is listed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have a copy of my ID and SS Card for verification purposes. 
Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX, OHXXXX XXXX XXXX XXXXXXXX XXXX XXXX, OHXXXX
Complaint sub-issue: Was not notified of investigation status or results

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back
Complaint sub-issue: Attempted to collect wrong amount

Apparently,  XXXX   XXXX   XXXX   XXXX  sold a closed/paid account of mine to a collector. A collection account that was on my credit report through Enhanced Recovery was sold to another collections company,  XXXX . Now, both are appearing on my credit report and  XXXX  is mis-representing the date the account was open. The open date should have been  XXXX / XXXX /  XXXX   but they are claiming it was open in  XXXX . They are also reporting that I missed a payment in  XXXX . I have never heard of this company and I have never received any information from them. I 'm in the process of buying a home and this is now preventing me from doing so.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I submitted disputes to Equifax, XXXX, XXXX to verify accounts that weren't mine on my credit report. I submitted proof of identification that includes social security card, my driver license and bank statement ( with a void check ). Its over 30 days and i havent received any status updates or corrections. Can you please assist me in this matters. Thank you.
Complaint sub-issue: Public record information inaccurate

after receiving my credit report, i noticed that there is public records on my report and i would like to have it removed because it is a violation of the Fair Credit Reporting Act to report false information.
Complaint sub-issue: Reporting company used your report improperly

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove inquiries done by these companies Please remove inquiries done by these companies XXXX, XXXX, XXXX XXXX - this company did an authorized inquiries several times on different dates! XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, DEPT OF ED, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Reporting company used your report improperly

I noticed accounts displaying on my consumer reports that are a violation to my rights as federally protected consumer. I demand these accounts removed from my consumer reports immediately. I sent the on XX/XX/2021 and I have not heard back from XXXX, Equifax, or XXXX. Pursant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a Consumer Report.
Complaint sub-issue: Received bad information about your loan

My student loans are through Keybank and were initially services by XXXX XXXX. I've paid my loans on time since graduating in 2006. While my loans were serviced by XXXX XXXX I paid the same amount every month. My loan servicer was changed to XXXX XXXX in XXXX and now my monthly payment to is variable and will change every month or so which is difficult for me to budget for. I have also paid my loans for the last 12 years and Keybank will not allow me to remove my sister as cosigner which has caused her undue Financial hardship
Complaint sub-issue: Their investigation did not fix an error on your report

I have been in communication with this agency via telephone, online, and certified US mail to attempt to get an ongoing issue resolved that has been an issue now for over a year. There are multiple inaccuracies and duplicate inaccuracies listed on my personal credit report with this agency that I have requested to be corrected and removed on multiple occasions. The only feedback that I ever receive is that a dispute will be issued on my behalf to investigate the complaint. 
I have requested specific details of any investigation that states that I am liable, I have asked for the person ( s ) name and contact information who may have confirmed the inaccuracies with no response or documentation being provided. 
These multiple inaccuracies and duplication have impacted my overall credit score and my personal lifestyle in a negative manner, causing me to lost job opportunities, pay higher interest rates on credit items, and have caused me the inability to secure stable residency due to these inaccuracies and duplication 's. 

NOTE : I have attached a copy of the complete form for XXXX, because as usual, I have to go through extensive measures just to access my Equifax credit report and I was told that I am not able to access it on line without a valid explanation. 

To have to continue through this extensive step each and every time, is a huge inconvenience to me especially when I am complaining about inaccuracies that these credit reporting agencies are listing onto my personal consumer credit file in error. 

All 3 credit reporting agencies make it very difficult to get in contact with them over the telephone, and when communicating online, there is never a satisfactory resolution. When you communicate through US Certified Mail, you never get the requested information regarding details of the investigations, you only get a single page showing which items have been deleted and which item still remain which makes consumers have to start over from scratch which further delays the correction/removal process, impacting the financial abilities of the consumer. All because items are just randomly being placed onto consumer profiles without any obligation to verify the information before impacting the consumer in a negative manner.
Complaint sub-issue: Account status incorrect

I've contacted XXXX XXXX servicing regarding incorrect information in in XXXX, XXXX, XXXX, XXXX, XXXX, many times in XXXX, XXXX, and more recently on XX/XX/XXXX. I've sent receipts detailing the mortgage pay-off ( {$180000.00} ) and yet they are still reporting that I owe money in the sum of {$3300.00}. This is inaccurate and I have also provided the receipt to Equifax along with other legal artifacts demonstrating exceedingly beyond a reasonable doubt that the debt has be satisfactorily met and that any reports depicting the contrary are fraudulent claims. 
My concerns have been elevated to the highest level of government in the state yet these issues persist. These are deliberate attempts damage my credit worthiness and are illegal practices.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I faxed Equifax on XX/XX/XXXX17 and they have not responded back with an explanation on why they have inquiries on my report that i did not authorized.
Complaint sub-issue: Problem with fraud alerts

I have twice paid to have a credit freeze removed from Equifax and they will not lift the freeze and do do not respond to online inquiries. This company should be driven out of business by the Feds they are defrauding people. XXXX and XXXX are never a problem. Only Equifax
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Received a notification from XXXX XXXX that there was a hard inquiry on my credit report. I later received a notice from XXXX regarding my application to a Visa card that I did not apply for requesting a copy of the front & back of my Drivers license, Social Security card and a current utility bill or bank statement. Obviously I did not send them anything as this appears to be a fraudulent application on my behalf.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recent disputed inquries on my credit report to Equifax due to some fraudulent activities. Companies such as : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Equifax XXXX.
Complaint sub-issue: Was not notified of investigation status or results

After sending information to verify myself with my disputes on XX/XX/2018, Equifax, XXXX , & XXXX have failed, in concert, to respond to my disputes. They have violated the follwing FCRA regulation : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. I am asking the CFPB to enforce this regulation with all three credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.
Complaint sub-issue: Fee problem

I opened my Citibank checking account on XX/XX/XXXX. I get a direct deposit and I pay a bill every start of the month like clockwork, no changes in doing so in all these years. No problem with waiving a monthly fee for 4.5 years. 

Then on my XX/XX/XXXX-XX/XX/XXXX statement I get billed the fee of {$10.00} for 6 months until the fee increases to {$12.00} on my XX/XX/XXXX-XX/XX/XXXX Statement which continues for 31 months until my XX/XX/XXXX-XX/XX/XXXX Statement. 

Last two months the fee was waived for theXX/XX/XXXX-XX/XX/XXXX Statements. 
That 's ( {$10.00} ) + ( {$12.00} ) = {$430.00} of fees that I should never have been charged. 

Every time I talk to Citibank I get the runaround & I get nonsense comments like to get it waived log in to your Citibank Online account and pay your bills through us. I use their Debit card monthly like I always have to pay bills & still get Direct Deposit to my account like I always did. Nothing changed on my end from the start. Obviously something its fishy on their end if I did n't get fees for first 4 and a half years & again these past 2 months. 
It 's a rip off plain and simple. They should thank me for bothering to stay for almost 8 years.
Complaint sub-issue: Funds not handled or disbursed as instructed

XXXX Getting a fraud alert doing something I do almost every day and for which there is supposed to be a note in my file. Citibank is marking my XXXX purchases as fraudulent. I buy a lot of books.almost every day because I read a, lot of books. 80 this year so far. So this is NOT unusual activity on my account. And when I called about it they wanted data I had already input. SS number, pin, account number, atm card and my password. Plus my mother 's maiden name. Only 2 of those should have been enough for something they never should have denied in the first place.
Complaint sub-issue: Received bad information about your loan

XXXXXXXX XXXX were transferred from XXXX to Mohela in XX/XX/XXXX. Was initially told not to resubmit XXXX paperwork. Then told to submit so I did. Submitted paperwork with no updates and numbers constantly at XXXX XXXX. In XXXX, rebsubmitted XXXX forms as I believed payments to be at XXXX. Since then, was told there was an error with the form. I called and confirmed there was no error. They said they were re-processing. Every time I call, they say the same. XXXX called and spoke to someone who said there are " mistakes '' and they'd transfer me to supervisor. Next person said not a supervisor and repeated they would re-process the forms. I said transfer me to supervisor. Waited on hold over an XXXX XXXX  XXXX XXXX with no transfer. 
My payments are at XXXX and are missing XXXX Payments should be over XXXX. I have XXXX PSLF forms : XXXX ) XXXX ( understand program started in XXXX ), and XXXX ) XXXX XXXX. I have submitted both forms each time. There is a gap in my employment which is why there are XXXX forms. It is outrageous that nothing has been done and all a representative can say is they will submit the form to be re-processed each time I call.
Complaint sub-issue: Problem using a debit or ATM card

I bank with US bank. I was charged a 36.00 overdraft fee, even the I did the opt-out debit card coverage, and one transaction was an error. This transaction is the 99.00 to XXXX on XX/XX/XXXX. When I went into bank account online, after getting a notification, it showed a negative cause by XXXX, and less than XXXX negative balance. I have already contacted XXXX, and they are refunding the 99.00. I had begun useing the Opt-out option more than a month before as suggested to avoid the overdraft fees. 
The banker denied my opt out would protect me from these charges as they were reoccurring. I then read him what I had read and agreed to when I changed the overdraft protection in my banking phone to the opt out. He let me know that the bank, at its discretion could decide to pay these transactions, and i would still be accountable for the new balance, and fees. This went against what I opted out of and read twice to the banker. So, I went on to read to him from the Regulation itself - 1005.17 Requirements for overdraft services-. Even though I read supporting information to my cause, he just set my account to not make any more payments to Atm/debit card purchases, and said he would not refund the overdraft fee, and again denied I had any recourse. 
Below, is how these were copied from my online account page. The banker told me it was the charge for XXXX, and subsequently the charge of XXXX to XXXX that caused the overdraft. 
All of the charges listed below were charged to my US Bank debit card, and the opt-out was chosen much earlier than this group of transactions. Pending is listed at top and completed is shown below that. 
I believe US Bank is abusing its overdraft, and using every loophole to still apply every overdraft, Opt-in, and Opt-out. 

PENDING : XX/XX/XXXX fee Overdraft Paid Fee {$36.00} XX/XX/XXXX ( auto renewal error, transaction N/A a XXXX*subscription XXXX XXXX {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$14.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$34.00} XXXX XX/XX/XXXX purchase XXXX XX/XX/XXXX XXXX XXXX {$10.00} {$47.00} XX/XX/XXXX purchase XXXX XX/XX/XXXX Card XXXX {$7.00} {$58.00} XX/XX/XXXX purchase XXXX XX/XX/XXXX XXXX XXXX {$850.00} {$65.00}