Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble using the card to spend money in a store or online

My cash app has been hacked numerous times now including my stimulus money
Complaint sub-issue: Information belongs to someone else

Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, XXXX Assistant at XXXX ; XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security Card, etc that i'm asking to be deleted and remediated. XXXX blatantly lied to me and told me that " they couldn't find the XXXX XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to XXXX XXXX! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within XXXX hours! They lied! I mailed in my copies, faxed it XXXX times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last Thursday and told me that the account numbers for the XXXX XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum XXXX business days to process their faxes and I sent it last Thursday so it's been XXXX business days! Plus they received the previous information XXXX XXXX since XX/XX/XXXX! Yet fail to take any action! XXXX attaching legible copies of my SSN, Passport, Police Reports, FTC report, XXXX Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost XXXX years ago! Please CFPB take action against them!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Second Complaint about lowering my FICO score drastically when Equifax, XXXX and XXXX   show all the same information and XXXX  and XXXX did not drop my scores by 57 and 58 points respectively on the first ( XX/XX/XXXX ) and second report ( XX/XX/XXXX ). 

They are doing NOTHING about this, will not discuss it with me and this is the second time in two weeks they have dropped my score 56-57 points for no reason. 

This is very harmful for my credit rating and the fact that since XX/XX/XXXX, I have worked diligently to pay off all my credit and reestablish myself with excellent credit and reports. 

I was one of the breached with Equifax and keep a close eye on what it going on on their site and this is totally unfair and they should have to answer to YOU and ME.
Complaint sub-issue: Account information incorrect

I AM WRITING THE CFPB BECAUSE I HAVE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THE ATTACHED COMPANIES SHOULD NOT HAVE MY INFORMATION LISTED IN THEIR DATABASE AND I WANT IT DELETED NOW. I HAVE A RIGHT TO ASK A COLLECTION COMPANY TO VALIDATE A DEBT AND THESE COLLECTION COMPANIES DID NOT SEND ME ANYTHING AND GIVE ME MY RIGHT TO CHALLENGE THE DEBT. THIS DEBT DOES NOT BELONG TO ME AND I AM ASKING FOR THE CONTRACT I SIGNED WITH THEIR COMPANY THAT GIVE THEM THE RIGHT TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. UNDER THE FDCPA THEY SUPPOSE TO GIVE ME A CHANCE TO CHALLENGED THE DEBT AND THEY HAVE NOT. THEY IS IN VIOLATION OF THE FCRA BECAUSE ALL THE INFORMATION IS CORRECT. I WANT THEME TO SEND ME A CONTRACT AND NOT A BILL THAT I SIGNED WITH THIER COMPANY.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX, through its Collection Agent, Alltran Finacial claimed to have agreed to a resolution of a disputed debt. When asked for written confirmation of the arrangement, Alltran initially claimed a letter memorializing the arrangement was mailed. One week later the promised letter never arrived. Alltran refused to email or fax confirmation of this arrangement and then advised that unless a payment was made ( despite still refusing to confirm anything in writing ) XXXX XXXX would " recall '' their file. 

Every effort was made to assist Alltran in confirming the arrangement in writing. An email initiated to Alltran memorializing the terms was not responded to. Alltran 's refusal to confirm terms of the arrangement are highly problematic.
Complaint sub-issue: Investigation took more than 30 days

XXXX2022| sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Didn't receive terms that were advertised

I have opened citi bank checking and savings account on XX/XX/2019 expecting the bonus of XXXX $ + XXXX $ account opening bonus. I have met the bonus criteria and i have been repeatedly told by citi customer care team that I am eligible for bonus and will receive the bonus in 90 days from XX/XX/XXXX. I kept my money in their account in hope of receiving the same. After waiting for more than 90 days from XX/XX/2019, I didnt receive the bonus. So i ended up calling the customer care and opened a dispute case with them. While opening the dispute case also, citi bank representative assured that I will receive the bonus in 20 business days. But today dispute has been finished and they are mentioning that i initially funded my account with " Citi Global transfer '', which I didnt. They coded the initial accoutn opening transfer I have done as Citi global transfer. I didn't had any other citi bank checking account ever in my name.
Complaint sub-issue: Information belongs to someone else

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX XXXX  XXXX {$13000.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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: Didn't receive enough information to verify debt

On this date XXXX  company opened a collection. 
Account # XXXX {$2100.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a credit limit of {$2500.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

The attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. 

Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with XXXX does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. 

The record shall be removed.
Complaint sub-issue: Was not notified of investigation status or results

Hello my name is XXXX XXXX and I have new and updated information about Equifax. I recently submitted a complaint about Equifax violating my federal rights to a reasonable investigation. Attached exhibit is Equifax response stating they received my complaint yet they will mail me the results. I have the right to receive my results through the CFPB as well. As federal law states a consumer can receive such correspondences through any direction. Along with the results of the investigation as stated in my previous complaint Equifax is also to provide the details of the investigation, a list of all persons that Equifax do business with regarding my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

My identity was stolen and a fraudulent loan from XXXX XXXX was opened in my name. I disputed this info with equifac and they did not remove the item, they did not even notify me of the results of the investigation. I provided them with proof and documents that the item was fraudulent but they did not abide by fcra laws. I demand this item be removed immediately!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 terms

This Bureau needs sanctioning and monitoring consistently. We have inquired an inquiries and nothing done this bureau suggested you the consumer to contact the Inquiry Companies When it is the bureau to remove them when you call the companies they all suggest bureau removal when Fraud Alerts are filed. We get No where with Equifax they delay removal and refused to delete even with Court Ordered Removals. We are XXXX and look for your help to correct this report and STOP this bureau from doing nothing more than VIOLATING the Fair Credit Act.
Complaint sub-issue: Account status

I have disputed with Equifax Credit Bureau and the creditors and pointed out the errors that are listed on my credit report. After pointing out the errors, the items are still showing on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this single account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX BALANCE : {$230.00}
Complaint sub-issue: Didn't receive enough information to verify debt

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with XXXX. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Complaint sub-issue: Investigation took more than 30 days

I have called and wrote the credit bureaus the past 3 months for help with the inaccurate information being reported on my credit. The credit bureaus failed to comply with the investigation request in timely matter. I have attached proof, please help me get them to resolve this problem.
Complaint sub-issue: Debt was paid

I had a account that was closed with XXXX it was a cable bill for equipment not returned after account was closed and handed over to collections I returned equipment in store. However my account was still open with the collections agency I sent a certified letter with receipt attached showing returned equipment letter was requesting validation of debt, No response to this certified letter. No response after 30 Business days So I then filled dispute with XXXX with receipt of returned equipment as well and it was removed off my credit file. This however is now showing purchased through another debt collection agency and I am no longer Liable for this account.
Complaint sub-issue: Investigation took more than 30 days

I noticed there are some inaccurate/fraudulent items on my credit report in XXXX of 2021. I disputed these items with the three major credit bureaus : Equifax, XX/XX/XXXX and XX/XX/XXXX. I have yet to receive a response. My consumer rights are being violated pursuant to the Fair Credit Reporting Act. I am requesting that these items be removed immediately. 



1. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XX/XX/XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 2. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XX/XX/XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 3. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXXXX/XX/XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 4. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XX/XX/XXXXAccount Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 5. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 6. Validate Inaccurate/Reported Late Payments XX/XX/XXXXAccount Number :XX/XX/XXXXPlease remove inaccurate reported late payments. Update to payed as agreed 7. FDCPA Section 807 Violation Misleading False Reporting XX/XX/XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 8. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 9. FDCPA Section 807 Violation Misleading False ReportingXX/XX/XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once
Complaint sub-issue: Debt is not yours

I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect
Complaint sub-issue: Debt was paid

In XXXX my wife and I took out a first lien heloc loan with XXXX XXXX and XXXX to pay off credit card debt. One of the 3 cards to be paid Discover now claims not to have been paid. 9 years later a debt collector XXXX XXXX XXXX is trying to collect on this debt which started out at {$9000.00} and has grown to {$24000.00} with a default judgment that should be vacated because it is part of a secure loan I have been paying XXXX for the last 10 years. A mn attorney general 's office rep from the consumer services division, XXXX XXXX, has asked XXXX XXXX and XXXX XXXX XXXX to honor the hud1a statement which they have been sent a copy of that clearly states they have been paid. Please help quickly as we can not afford to pay a {$500.00} a month mortgage payment, a {$500.00} a month loan payment, and having my check garnished 25 % a week totaling over a {$1000.00} a month. XXXX  seems to have no interest in helping resolve the issue as we have made several attempts to contact them with no reply.
Complaint sub-issue: Personal information incorrect

Equifax has my current address listed as a previous address, while a former address from 6 years ago is listed as my current. Equifax is the only company with this issue. They have 2 reports listed and neither one of them have the address they have listed as my current. I have tried more than 10 times to dispute online. However, it always fails. I have attempted calling and I am told I need to mail them a copy of my drivers license and social security card. It is 2021 and a company that profits off of my personal information is not capable of updating my address without exposing me to potential identity theft? This has led me to being denied credit. I have also provided multiple responses identifying who I am over the phone including SSN, birthday, current ( real ) address, which again is reported by the other 2 credit reporting agencies. They can update everything except my address. This has become ridiculous.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediateXXXX 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: Their investigation did not fix an error on your report

Equifax is punishing me because I am reporting them to you all. They just put my daughter, and my son negative information on my credit file. They know very well that is not my information. My son is the third generation, XXXX. I just got off the telephone with Equifax, and I explained to them that this is not my information. I told her I am reporting them, and she said, they are not going to remove it, and no one will make them remove that negative information. Why is this company getting a get out of jail free card? They are openly rebuking me since I filed this complaint. This proves another point, I tried to convey to them, and they do not care if I am Veteran, XXXX XXXX XXXX, or not. Why does this company have that much power? I am nervous writing this complaint, they will be coming at me again because I filed the complaint against them less than 24 hours ago, it is no way they could possibly investigate this matter so quickly.
Complaint sub-issue: Personal information incorrect

See this card has the wrong address on it please dont send them a card in my name my wallet was lost so my ss an id is out there
Complaint sub-issue: Banking errors

Ref to case # XXXX this case still not fixed Citibank has sent me a letter on XX/XX/2019. On the letter had informed me " The accounts were closed on XX/XX/2019. We are the process of issuing an Official Check for the balance remaining in the account, which will be sent to you separately. Please allow 3 to 5 days to received the check '' As today is XX/XX/2019 I still not receive check from them. How many errors Citibank can be made since I had opened an accounts with them. Over a months they has been holding my money, then can't solve they own problems and just closed my account. However, if this happen to over a hundred or thousand clients how much money get involve. I heard many clients has been complaint Citibank, but the bank never be able to solve they problems and continue with the issues. 

Please see attached file for the letter that Citibank sent to me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXXccount Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I did not make these charges. I 've never heard of these companies. 


XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX {$1200.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiry appears on my credit report and have reached out to DT Credit by mail on XX/XX/XXXX where they never responded. 

Called ON XX/XX/XXXX DT CREDIT and they stated they can not remove the inquiry that only XXXX Called ON XX/XX/XXXX XXXX and they stated they can not remove the inquiry that only DT CREDIT CAN. 

Inquiry XX/XX/XXXX I have no idea what DT Credit is and they do not provide me with anything and would like this inaccurate inquiry removed