Johnade/consumer_complaints_cfpb huggingface dataset:
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 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: Problem with statement of dispute

I reported an unrecognized hard inquiry form Corelogic/Credco made on XXXX/XXXX/2016 to Equifax they responded that they verified the inquiry and gave me the company making the inquiry. I had no idea who they were or why a hard inquiry should be made. XXXX XXXX. XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX. I contacted XXXX on XXXX/XXXX/2016 and asked for proof or that it be removed. They stated that they would check the validity, I gave them the information they requested and after they looked it up they stated they had no record of any such an inquiry. I told them please remove it from my credit record. They stated that they could not find who had requested an inquiry, They wanted me to fax a copy of my credit report to them so they could check it out or they would not remove it. Of course I refused, I do n't know them, why should I send my personal information to them. 

I WISH MY RECORD CLEARED, PLEASE HELP! 
WHY ARE TOTALLY UNKNOWN ENTITIES PERMITTED TO DAMAGE GOOD CITIZENS CREDIT REPUTATIONS IN THIS MANNER? I THOUGHT THE C.F.P.B. HAD THIS UNDER CONTROL! WHY IS THIS PERMITTED TO HAPPEN??
Complaint sub-issue: Problem with rewards from credit card

Opened multiple XXXX XXXX credit card accounts with citi bank. Citi bank offered miles in return for money spent. Many thousands of dollars spent resulted in award mileage of XXXX as of XX/XX/2019. Mileage account tied to citi spending was involuntarily closed and all mileage earned was taken away without any communication or compensation offered by the bank.
Complaint sub-issue: Called after sent written cease of comm

A 'stop-call ' letter was provided to the debt collector, but they continue to call.
Complaint sub-issue: Problem getting your free annual credit report

I am not able to obtain a free credit report from Equifax and the mortgage program Im using also has not be able to obtain a report either. Ive sent a certified letter to Equifax with a copy of my license, SSN card and a copy of a utility Bill and Im still unable to get a copy of the free report. I am however able to get a copy when I pay for their reporting services. Ive also call and spoken with Equifax, customer service and they can give no explanation as to why Im unable to obtain my report but they did offer me to use their reporting service. This is hindering my ability to purchase a house or anything I have no idea if the reporting is even accurate and I am not able to get a report without paying for the report. It not also not available on any of the few reporting services and states it has not been updated since XXXX of 2019.
Complaint sub-issue: Other problem

I had a Citi Double Cash credit card for 4 years. I had 7 instances of fraud on this account which required them to issue a new card number. Most recently I had 3 instances of fraud in XX/XX/2019 that required them to issue new card numbers. In each case I have had my physical card in my possession and fraud was all carried out online. I don't believe that Citi has investigated these issues or taken proper measures to protect my account. I also believe that Citi 's employees were in some way responsible for the fraud. I have had several conversations with their customer service and fraud department ( which are all located outside of the United States ). Nobody ever followed up with my concerns even though they claimed they would investigate. The most recent incident involved people signing up for recurring subscription services with my credit card and even after a new card number was issued they rolled those fraudulent subscriptions over to my new account. I was told by one representative that in fraud case they would not authorize any recurring charges on the new account by their policy. So at the very least they are incompetent in following their own policies and at worst they have people working internally that are taking part in fraud against their customers. I have since closed my accounts with Citi because they are a liability to me but I feel like they should be investigated.
Complaint sub-issue: Information belongs to someone else

someone stole my personal information, I am a victim of identity theft
Complaint sub-issue: Account information incorrect

Information & credit scores are not reported accurately or updated frequently but severely outdated. information & credit scores shown to banks, financial institutions and lenders are much lower lower that scores in apps by consumers. 

On XX/XX/2022, a XXXX XXXX mortgage loan XXXX informed me that my credit score was a low XXXX when I was seeing XXXX, XXXX, XXXX from all XXXX credit bureaus apps. When I looked at Equifax through my phones browser, I was shocked to see a low and inaccurate credit score of XXXX and no explanation as to why I was XXXX points down. Obviously, this damaged my chances of obtaining a home loan. Credit Bureaus are required by law to maintain FAIR & ACCURATE reporting updated frequently instead of keeping severely outdated information which they still have not fixed!
Complaint sub-issue: Debt was paid

1. According to contract Law, US. BANK has no right to collect on this account. They do not have the original promissory note. 

2. Promissory note is false. 

3. It is stated that we have received funds from a lender. We do not have any records of a {$190000.00} check deposited in our bank account at time of purchase. 

4. Im reporting Fraud on a loan that U.S BANK is looking to foreclose through XXXX, XXXX XXXX XXXX XXXX and whomever working on the case : XXXX
Complaint sub-issue: Information belongs to someone else

This is not the first time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that 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. 
XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} ; XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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
Complaint sub-issue: Information belongs to someone else

I am not the originator of the enclosed information on my credit report.
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. I sent letters to Equifax XXXX XXXX the date of the last letter was on XX/XX/2021, and still nothing from them. The inaccurate accounts are still reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late close XXXX XXXX XXXX {$0.00} Charge Off XXXX XXXX {$640.00} XXXX XXXX {$1200.00} Collection XXXX XXXX XXXX XXXX {$700.00} ( Original Creditor : XXXX XXXX ) XXXX {$1100.00} MIDLANDCRE XXXX {$720.00}
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 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 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: Seized or attempted to seize your property

In reply to Greensky letter of XX/XX/2018 CFPB Complant XXXX 1. The attached Completion Certificate is a forgery, my wife nor I did not sign it. They did not complete and still have not completed the repair of the ceiling in our home that one of their workers fell thought! It seems that Greensky forged our names for XXXX XXXX paid me back all the money that I sent them before the job was completed and the job is still not completed according to the contract with power Home remolding! It been OVER two ( 2 ) years!!!! 
2. The attach email is from the city of XXXX, stating that the roof has not been inspected in accordance with the city codes. SO the job is not completed according to the laws in XXXX! 
3. Greensky or XXXX XXXX remolding needs to be charged with forgery, for XXXX XXXX dose not have a copy of that Forged document that Green sky summated to you!!!!!! 
4. Also the CITY of XXXX NEEDED TO INSPECT THE JOB AND SIGH OFF ON IT,,, I am surprised that Greensky has not forged their names to a document yet! 
5. I do notknow abot the state of XXXX but XXXX state law and local laws state that a roofing job is not ccomplet UNTIL the city inspectors sign off on it!!!! So that forged document is not valeted!!!!
Complaint sub-issue: Information belongs to someone else

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 have been sending numerous letters to Equifax for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/2022, with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. I also reached out to the bank and they agreed to remove the accounts from my file. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Transaction was not authorized

I was a US Bank customer for more than 20years. When I went into the XXXX XXXX bank branch to close the account, I was told by XXXX the manager that I had a {$5000.00} loan linked to my account. I had never taken out a loan or credit of any type or amount from US Bank so I immediately told him it was fraudulent. XXXX became visibly angry and threatened me saying, " If you don't pay I will personally ruin your credit '', and started yelling at me to " get out ''. This was the most horrible and shocking treatment after being a customer for so long. I went to another branch and asked to see the the signed loan contract. The manager I spoke with admitted that it did not exist, and the loan was created by a US Bank employee without my knowledge, consent, or signature.. They had been deducting charges and charging me interest and late fees on a loan that was fraudulent. The manager told me she knew who the employee was who created the fraudulent loan. This is illegal and should be stopped.
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 account 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 account 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. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$190000.00} 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.
Complaint sub-issue: Reporting company used your report improperly

I am XXXX XXXX, the original creditor, natural person, and consumer. When we entered into this consumer credit transaction on XX/XX/2012. I extended them credit therefore the finance charge was paid for the entire balance. After the finance charge is taken there is a open ended credit transaction there is security interest left. Which is suppose to be given to me. but they mislead me to think that i had to pay them. whenever a open ended credit transaction is entered that information is suppose to be disclosed. which mean its fraud. they they infringed upon my privacy and sent information over to cobsuner reporting agencies without my written consent. Now the consumer reporting agencies are reporting my information with me given them written of consent to do so.
Complaint sub-issue: Their investigation did not fix an error on your report

stated they verified a bankruptcy and I received proof from the court which I sent them that they do not verify bankruptcies with outside companies or credit bureaus
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX BAlance : {$0.00}
Complaint sub-issue: Reinserted previously deleted info

On XX/XX/XXXX, I discovered Creditor, XXXX XXXX XXXX XXXX, and Equifax have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and Equifax re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files. Under the Fair Reporting Credit Act, the Creditor and Credit Agency are required to notify me within 5 days of re-inserting the previously deleted items. Also, the creditor is reporting inaccurate information. 

Agency Creditor Account Equifax XXXX XXXX Item Status XX/XX/XXXX ( Item was removed and latest credit file showing item re-inserted and with inaccurate information ) ( View Attachment ) As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately.
Complaint sub-issue: Application denied

On XX/XX/XXXX, I applied for a Home Depot consumer. I was denied. I contacted Home Depot credit services. I asked why I was denied. The lady told me too many inquiries. Ok? 
Me : Who decides whether or not I receive credit? 
Citibank Representative : The computer system. 
Me : Well, obviously, a human made the computer system/ software. So, there was human involved in making that credit decision ... 
Me : ... asking more questions. 
Citibank Representative : Sir I don't make the decisions, the computer does. 
Me : ( More questions ... ) Citbank Representative : ( Maintaining the same posture ) ... the computer makes the decisions.

Me : ( Frustrated ) Another attempt at obtaining a Citibank credit card from Costco on XXXX??, XXXX : DENIED! 
Why : Account restricted ; Late payments ( over four years ago. No late payments since XXXX ) ; Delinquent account ( even though accounts have been paid off ) ; & et.c
Complaint sub-issue: Their investigation did not fix an error on your report

I have had numerous issues with trying to get my credit report to reflect the accurate scores and rating that are consistent with XXXX and XXXX  that utilize the same information and are anywhere from 50-100 points greater than what Equifax reports every month for the past two years regardless of the amount of debt I have paid on the fact that I have an excellent payment history, and regularly monitor my reports. 

Equifax for the past year has scored me at a XXXX ( fair ) rating with little to no improvement despite $ XXXX worth of debt being paid off and maintaining zero late payments, no derogatory information, or collections in comparison to XXXX  that has be at a XXXX and XXXX at a XXXX to date. 

When I call to inquire I get a person from out of the country that simply responds to how credit reporting works and not to try and fix the problem as to why my scores never change in a positive direction. 

They also continue to report a VA derogatory debt collection that was removed by the VA from the other reporting agencies as inaccurate and placed in error as I was on XXXX XXXX XXXX an the debt was accrued and paid through payroll deductions.
Complaint sub-issue: Information belongs to someone else

I have been contacting the companies and credit bureaus for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed over this account and these addresses that dont belong to me. It has been causing me to be denied for further credit and it has really taken a toll on my family financially during the pandemic. I need Equifax to take this complaint seriously and delete the accounts, inquiry and addresses immediately. I have attached all proof.
Complaint sub-issue: Not given enough info to verify debt

This debt is 5 years old from date of the last activity with the credit grantor. It is showing current when it is old.
Complaint sub-issue: Reporting company used your report improperly

.Ive submitted police reports and ftc reports of this said fraud. This reported information is in violation of my federally protected consumer rights under 15usc 1692g and 15usc 1681b2 and not in compliance with metro 2 standards. This serves as official notice of intent to file suit where my legal staff will seek full compensation for punitive damages per fcra policy you have 30 calender days as of this notice to correct said inaccurate information
Complaint sub-issue: Debt is not yours

This company has sent me a bill for {$210.00}. I am disputing this debt with the original creditor. I request that this company do not contact me anymore. This debt is not mines and I don't owe any balance.
Complaint sub-issue: Their investigation did not fix an error on your report

LexisNexis said they verified a bankruptcy through the courts. This is impossible because the courts do not speak or report to third party agencies. They have failed to properly verify information that was disputed. They are reporting information that can not be verified to the three major credit agencies. This is chasing improper credit reporting through the fcRA. They need to remove the unverified item from all 3 agencies
Complaint sub-issue: Information belongs to someone else

When applying for a credit card XX/XX/XXXX, my application was denied. XXXX revealed XXXX student loan accounts opened with my name as a co-signer by my father XXXX XXXX. The debts amount to {$340000.00}, all dating back collectively to XXXX. I never authorized permission for my information to be used for any of these student loan accounts. Since XXXX, I have never received any phone calls/mail invoice regarding these accounts. 

I have managed to clear these fraudulent records from my XXXX and XXXX reports. However, NELNET continues to report these accounts as accurate to XXXX I have contacted NELNET, received their identity theft forms, and returned their requested notarized documentation late XXXX. I have not received any confirmation the requested documents were ever received during subsequent phone call correspondence. 

SPECIFIC ISSUES : My SSN does not bring up the fraudulent accounts with NELNET. I could only utilize my fathers information to reveal the accounts when on the phone with NELNET. 
XXXX  website issues preventing convenient access to dispute status.
Complaint sub-issue: Investigation took too long

On XXXX XXXX, 2016, I filed a dispute form with Equifax regarding disputed XXXX account. Equifax responded on XXXX XXXX, 2016 stating XXXX was not reporting on their file. I enclosed a copy of the report page ( XXXX ) showing XXXX 's negative file being reported via letter dated XXXX XXXX, 2016, and again disputed the account as improperly being reported and that it was paid. Equifax failed to respond and again on XXXX XXXX, 2016 I filed another request form disputing XXXX.
Complaint sub-issue: Attempted to collect wrong amount

The debt being reported on my credit report by AutoTrakk is not being reported correctly. Upon pulling my credit report today, I still see that this debt is being reported inaccurately. I have made numerous attempts to rectify this with the AutoTrakk and with the 3 credit bureaus-XXXX, XXXX  and XXXX individually. I keep getting response to my method of validation request as " verified as accurate '' when clearly this account was not verified for accuracy as it is inconsistent and full of errors in comparison to my 3 bureau credit report. I have a right to request an account to be investigated. I want to ensure that everything on my credit report is an accurate representation of myself.For instance, my XXXX  credit report from AutoTrakk is reporting a monthly payment and a balance due on a charge off. I do not have any written payment agreement on file with this company so how is a payment being reported and the balance didn't change. I HAVE NOT MADE ANY PAYMENTS ON THIS ACCOUNT. I am requesting that this be deleted immediately from all credit bureaus or update with the correct information and send me copies of all documentation that support the amounts and/or dates reported on my credit file for this company.