Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

the following items I have been disputing has not been removed from by credit report on Equifax as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX company the reason why I am disputing these items do not who they are and can not get in contact.
Complaint sub-issue: Debt is not yours

I want to report malicious business practices committed by EOS CCA. They allegedly acquired a debt in my name from XXXX which is currently being reported on my XXXX  credit report. In speaking with XXXX, I have once again confirmed that this alleged debt should be considered invalid and collection efforts stopped. With that said, EOS CCA continues to pursue collection, without viable cause in defiance of cease and desist demands. This includes continuous reports of monthly late payments on an account that should not exist. These false claims have inflicted hardship to myself and family in the area of financial advancement and have created unnecessary stress. I am firmly confident that multiple violations of the Fair Credit Reporting Act are in place. This debt is completely false which will be proven in due time. My hope is that EOS CCA will swiftly rectify this situation, stop all efforts, and remove all negative reporting in order to avoid future escalation. Today 's consumers face many difficulties. We shouldn't have to worry about predatory and unwarranted collection practices.
Complaint sub-issue: Account information incorrect

ve sent multiple dispute letter to the credit bureau stating that the inquires listed on my credit report is not accurate, i received letters stating those account was verified, I sent another dispute letter stating to receive proper documentation bearing my signature for those inquiries, Nothing received in reponse. Also, Ive made contact with Equifax multiple via phone stating I was a victim of there inquiry issue, again I was routed to send disputes letter in for a reinvestigation
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on Equifax, XXXX, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized and inaccurate inquiries on my credit file. The following inquiries were placed on my credit file as of XXXX XXXX, XXXX. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against Equifax, XXXX, and XXXX for placing false inquiries on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of the inquiries and this has been a situation that has been on going for the entire year and Im tired of the XXXX. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. 
Inaccurate Inquiries : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX sent an alert to XXXX that I had open a new installment loan XX/XX/2022. The account was with Rise in the amount of XXXX, XXXX. I contacted Rise to inform them that I didnt open an installment loan with them. I contacted the local police and filed a report. Also I filled out a form with the federal trade commission. I sent both of these reports to the fraud department at Rise XXXX XXXX. I received a letter in the mail from Rise stating that they did an investigation and determined the loan wasnt fraudulent. I have used Rise in the past but its been a long time. I didnt take out this loan. The loan has reduced my credit store. I have placed a fraud alert on all my accounts. When I called Rise they said there was past due payments too so if they report these, this will make my credit worse!
Complaint sub-issue: Termination fees or other problem when ending the lease early

I am in total disagreement with my final bill of {$1700.00} calculated by VW credit bank regarding my XXXX XXXX XXXX First, all 36 payments stipulated in the contract were made including XXXX, XXXX and XX/XX/XXXX which are now billed as deferred payments. 
I returned the car one month before scheduled XX/XX/XXXX and I leased a new XXXX XXXX on XX/XX/XXXX. 
I was even told on the phone that I had a credit for {$580.00} that it will be sent in a bank check by mail. In a XXXX telephone call a customer representative revised and change return date from end of XXXX to end of XXXX, Based on this information I went ahead with a new lease signed on XX/XX/XXXX. No remainder payment was due on that date. 
Today XX/XX/XXXX a final bill indicates 3 deferred payments already been paid in XXXX and XXXX ( made together on XX/XX/XXXX ) and XXXX ( made on XX/XX/XXXX ). 
Finally, I am also aware that I was charged on XX/XX/XXXX {$350.00} ( fees? ) I would appreciate a revision and explanation of final payment. 
Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Complaint sub-issue: Don't want a card provided by your employer or the government

In the month of XX/XX/2022 I recieved a U.S. Bank Relia Card that I did not apply for. I believe that someone has applied for Relia fraudulently under my name. I have filled out the form for U.S. Bank to deactivate the card. I am also worried that further fraud is being committed in my name.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Applied for the Citi XXXX credit card with a XXXX TYP sign up bonus. Was approved but was never informed I was ineligible. I met the terms and never received the bonus. They claim it was XXXX months since I had the card but needed to be XXXX months to receive the bonus. 
No where along the way was I specifically informed of ineligibility. I think it unrealistic a customer is suppose to keep track of how many months between closing and opening an account. This is information they track. If they track it they should not be deceptive in their practices and let their customers know up front if they are eligible for the offer before approving the card. I was influenced yo apply by the sign up offer and was never informed along the way of ineligibility.
Complaint sub-issue: Old information reappears or never goes away

My credit score dropped 38 points with Equifax on XX/XX/XXXX and 44 points with XXXX on XX/XX/XXXX. I am trying to rebuild my credit from a failed business venture. The only 2 things I did in the last 2 months is pay off a XXXX dollar balance owed on a credit card and paid XXXX on another. Nothing else has changed on my credit report. My scores were just at the minimum XXXX to get a mortgage loan but now they are back at the XXXX and XXXX levels. I have done nothing except pay off debt. My scores should not have dropped like that for something that improves my credit and shows good payment history. I think the credit reporting agency 's are mishandling my credit which is keeping me from moving forward with my credit progress.
Complaint sub-issue: Unexpected increase in interest rate

I opened a Citi Bank credit card account with Best Buy on XX/XX/XXXX and made at {$4000.00} purchase at Best Buy on this credit card, an interest deferred offer. I had amoritzed payments to pay off the entire balance by the expiration date on the offer ( XX/XX/XXXX ) in 24 equal payments via an auto-pay. Prior to the first payment being made, a payment of {$100.00} was made over the phone on XX/XX/XXXX. After the first payment, an e-check was scheduled to go out from my bank for XXXX, XXXX, until the auto-pay could begin. Recently, I received a statement from Best Buy, indicating a balance of {$1700.00}. A telephone inquiry with Best Buy, made on XX/XX/XXXX, has revealed that, by XX/XX/XXXX, a balance of {$51.00} still remained on the account, and all the interest, accrued over 24 months, has been posted to the account. After an hour of having been transferred around, Best Buy was unable to bring up the history of payments made on this account. During the month of XX/XX/XXXX, I received several phone messages regarding my the Citi Bank credit card account ( no detail was provided ), and each time I called back, the customer service department was unable to locate an active account for me with an outstanding balance, including during the phone call on XX/XX/XXXX. Since I was never able to successfully connect my Best Buy account with this card number online, and have not used the card since the XX/XX/XXXX purchase, I was not aware that the card was with Citi Bank. I am filing a complaint to dispute the interest charges on my account. How could a payment have been missed or delayed using auto-pay? Is it possible that the XX/XX/XXXX payment may have been mistakenly directed to the wrong, inactive, account and therefore never posted on this account? I am attaching proof of the 1st 2 payments on the account. As you can see, XX/XX/XXXX payment aparently was not applied and may have been sent back to the bank, without my noticing it. Also, I would like an explanation for how 2 years ' worth of interest at 26.49 % can be charged on {$4000.00} when Citi Bank did not have an outstanding debt in this amount for the entire time. According to the Truth in Lending Act, the credit card issuer must notify me of the interest rate increase 45 days in advance of the increase, giving me the option of paying off the balance at the existing lower interest rate. This notice was not provided -- if it had been, I would have been aware of the remaining balance on my account. In conclusion, I feel, I have done everything in my power to pay off the balance by XX/XX/XXXX, but due to the confusion with accounts, not all payments posted in a timely manner, and sufficient notice was not provided for me to rectify the problem.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax said they did not get the FTC report from you so I am reuploading here to ensure they get it along with XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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
Complaint sub-issue: Information belongs to someone else

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: No notice of investigation status/result

EQUIFAX INFORMATION SERVICE LLC XXXX XXXX XXXX, GA.. WWW.EQUIFAX.COM PH # XXXX ON THE DATE OF XXXX/XXXX/2014CONFIRMATION # XXXX STATE THAT SEVERAL ON MY CREDITT REPORT BELONG TO ME. IT IS THEM CREATING A CREDIT REPORT SCORE FRAUD THAT DOES NOT BELONG TO ME.
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXXXXXX {$100.00}
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of my credit report.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - In accordance with the fair credit reporting act 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 enough information to verify debt

On XXXX the XXXX, 2019 I contacted this company to see what was the debt, and how much the amount actually was. Since I never received correspondence about this debt, the debt just popped up on my credit report with two separate accounts with two different amounts. At the time of the conversation I asked the rep if I paid would they delete this account from my credit report and they said they would, after payment was processed they did not follow-up on their agreement with deleting this account. As well they are still reporting this account as 120 days late w/over 10 late payments. They are not the original creditor, and bought the accounts from XXXX XXXX, XXXX. With amounts of {$110.00}, and {$240.00}. These accounts were paid by me in full amount to XXXX XXXX XXXX XXXX, XXXX My other process after trying to rectify this with the creditor, they still didn't comply and I put in a XXXX complaint. During that complaint the creditor tried to again deny any agreement made with them at the original time of payment.
Complaint sub-issue: Account status incorrect

I had a XXXX credit card for years, account number XXXX XXXX XXXX XXXX. Unfortunately in XX/XX/XXXX I ended up in a divorce. The Courts gave me ALL of the marital debt, at the same time I lost the job I had had for years. I used up all of my savings and resources by the middle of XX/XX/XXXX. I contacted XXXX NUMEROUS times in an attempt to work out some kind of payment plan but no agreement could be reached. Finally I gave up and turned my account over to a consumer debt settlement company and In XX/XX/XXXX, began making monthly payments upon acceptance of the {$9900.00} settlement of the {$28000.00} balance. At that time my account correctly showed that you had charged off my account or at least XXXX as a loss and my credit report correctly reflected this. 
However, XXXX continues to show this every month on my credit report statement and this is not the true reflection of my account at present. XXXX agreed to a settlement and I am paying this settlement as agreed. I respectfully requested numerous times that you simply reflect accurately the current state of my account. As recently as XX/XX/XXXX of  this year XXXX continues to report my account status as delinquent 90 days+.
Complaint sub-issue: Report improperly shared by CRC

I have several inquires on my report that I didnt authorize. I have file several disputes and the only thing equifax say is : Its factual ... I have faxed them and asked for validation or proof I did it. Equifax in return dont answer my request each fax was issued a confirmation number XXXX, XXXX, XXXX, XXXX, XXXX and XXXX their excuse of not answering my request by fax is they thought it was fraudulent with all my personal information attached and the fax was sent through a secure line. Their stall tatics and the round around they give you for trying to get them to report 100 % accurate information os ridiculous. Then they had said teo of the inquires wasnt reporting on my credit report of course not when you have to dates wrong. These are the inqyires thats in questioning and I want them removed 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 ( never been to Texas ) XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Complaint sub-issue: Information belongs to someone else

The following accounts do not belong to me. My personal information was found on the dark web, such as my SSN, address, dob, and name. This is identity theft, Also, I notice my information was exposed in Equifax and XXXX data breaches. I demand this information be blocked from my credit report for any future reporting. This is a violation of my privacy, and defamation of character I'm in the process of purchasing a home. I demand immediate deletion. There are also tons of inquiries, and creditors I have never heard of or ever done business with I demand immediate deletion.
Complaint sub-issue: Account status incorrect

Credit Card account holder is deceased as of XX/XX/XXXX. Citibank charged {$99.00} annual fee to the account in XX/XX/XXXX, no payment was made since account owner is dead. I contacted Citi probate department but no action was taken. They have reported delinquency to Credit Reporting Agencies even though the account is closed with no dept. I was an authorized cardholder and this has negatively affected my credit score.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to apply for a car loan at a private dealership and they did several inquiries without my permission. Checked my credit report and found dozens of others Here is the list : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

After having difficulty paying a personal loan due to Citi not allowing online payments and reduced staff due to covid. I filed a formal complaint with citi against citi, and paid the loan off in full. Immediately the following months citi reduces the limit on all my cards to " balance owed ''. Thus decreasing my credit score dramatically and is continuing to do so every month. I take this as a retaliatory action and files another complaint. They then decreased my limits again. This is criminal and needs to stop. I have never missed a payment or been late. Citi is bunch of crooks. They have decreased my limits by over {$10000.00} causing my score to drop and they think it's some sort of game. I want my limits reinstated and their bullying actions to stop.
Complaint sub-issue: Account terms

Equifax has discriminated against me by listing items on my credit report that occurred because I was emitted in a VA Hospital as a XXXX veteran. These items which do not belong on my credit report have prevented me from receive credit by many companies and have cost me because I receive higher interest rates on credit and loans. I suffer XXXX due to exposure to an XXXX in XXXX while on XXXX and there are items on my credit report that are do to this injury and XXXX. I have attempted to clean my credit report with this firm to no avail.
Complaint sub-issue: Old information reappears or never goes away

I checked my equifax credit report and found reporting XXXX XXXX XXXX credit card closed account which should not still be in my credit file. I took up the matter with XXXX XXXX XXXX and they say they are not responsible for that in my report and I should contact equifax. I informed my local DA office and they want me to contact equifax and if the matter is not resolved then I send them the information. This XXXX XXXX XXXX credit card should have been removed from my while ago but still continue reporting in my credit file.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Didn't receive services that were advertised

I've been getting pre-approval letters from credit Karma for years now & when I submit the pre-approval I still get denied & it give me a hit on my credit score
Complaint sub-issue: Report improperly shared by CRC

I received a copy of my Equifax credit report. The credit report showed a credit inquiry by XXXX, XXXX, and Equifax Mortgages that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have asked that this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. I have asked so kind as to forward me documentation that they have had the unauthorized inquiry removed. 
Or if they find that I am remiss, and they did have my authorization to inquire into my credit report, then please send me proof of this. 
Equifax is refusing to investigate unauthorized inquiries on my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Authorized user purchased jewelry in XX/XX/2020. The cost was {$1000.00} for a " deposit. '' User did not receive the final product. She has never received the final product. 

I made a dispute with Citi and they found in the merchant 's favor. 

I wrote a letter to Citi to appeal, have not heard back. 

Willing to take merchant to court and have Citi employees as witnesses.