Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

All three of the credit reporting agencies are not supporting equality for woman. I have interviewed many others including executives at the same corporate level and they have also identified a huge disparity between their credit reports and their husbands. We incurred the same credit & debt. All loans and assets were in both of our names. 

I submitted disputes and within an hour it said it was resolved. It is impossible. The one business was no longer open for business at that time and the other would take a full investigation. 

I am reporting it to FTC, XXXX, social media and the news. 

XXXX, XXXX and Equifax are also violating the FCRA and equality when only the husband gets the credit on his report and derogatory is taken off but remains on the womens report. Both shared the debt, gained the credit and worked so both should have the positive effects AND exactly the same credit reports. I was the one who bought and sold our homes. One for {$650000.00} and the 2nd home for $ XXXX. Where is that on my report!!!!!??? 

The bankruptcy landed only on my report and no sign of my large credit acquisitions and pay off amounts. 


Side note : XXXX is escpecailly guilty of this and will only list the XXXX XXXX member not both parties co-signing on a loan. Not really the American spirit for a financial institution built solely on the financing and economy of families Servicing this country. Dishonorable
Complaint sub-issue: Card opened as result of identity theft or fraud

I have two XXXX store Cards opened on my Name that I have not authorized to be open.
Complaint sub-issue: Information belongs to someone else

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. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, CITICARDS CBNA XXXX Open Date XX/XX/2010 Balance : {$7200.00}
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My personal information, SS XXXX XXXX XXXX. I was just made aware of a fraudulent loan that was taken out under my name and credentials without my knowledge or permission. I have never done any business with a XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX ). I am disputing this under the Federal Law FRCA 605b. I have contacted the XXXX Police and the FTC and filed complaints.
Complaint sub-issue: Threatened to sue you for very old debt

Received a call and was connected to a " Mr. XXXX '' who answered the phone as simply " law offices '' when I asked for the name of the law office he said he works for a network of attorneys with what sounded like " Client Mediation part of XXXX XXXX XXXX '' representing CITI Corp. He never recited the mini-Miranda to me and just said he said he was offering to settle for pennies on the dollar of my debt that he said was over {$10000.00}. He said he would file his lawsuit if he didn't get paid by the XXXX. I asked for dates of the debts and he said it was charged off in 2014 and that the statute of limitations was 7 years ( it's actually 5 in my state ). I told him i would need to see all paperwork pertaining to this and he said I was just trying to use stall tactics and that he was done playing games and that I am obviously not serious about this matter and would just go ahead with filing his lawsuit with the local ( he listed the city ) courthouse and since the amount was so high it wouldn't just be small claims. He said to make sure I have two forms of ID for when I get served. I hung up on the man and he immediately called and left me a voicemail with more threats which included, having all my licenses suspended, he listed three people 's names close to me and said I could explain to them why they are being summoned to appear in court, and that he would put a lien on all my properties.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/2022 to remove account that is UNKNOWN to me. I came across this law today and according to the XXXXer FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block any account or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 
XXXX XXXX XXXX XXXX : {$930.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX ;. Account name : XXXX XXXX XXXX XXXX # XXXX ; Account name : 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 writing instructions. 

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer.
Complaint sub-issue: Company closed your account

Applied at US Bank. They closed my account within 2 to 3 days without a notice. Called spoke to a representative. She did not give me any details. Prior to that conversations I tried to contact her for 3 days, left voicemails, had questions. She did not call back. Called again, she had no response. Did not give me a reason. Did not answer simple questions. Such as, is there something I should be concerned about? Is there something I should keep an eye out in case it were to impact my day to day living? She gave me no details. Said she had the right to close my account due to the terms and conditions. I feel it was an act of racism.
Complaint sub-issue: Account information incorrect

i have send numerous letters to XXXX, all letter go with : 1.-copy of  credit report with highlighted errors 2.- Dispute letter indicating all errors and demand to remove them 3.-Proper Identification, copy of DL, Voters ID, SS card this has been going on for the past 8, months and still is a night mare to get them to remove them, they send letters saying i didn't send proper ID, which is a lie or simply refused to investigate and remove just recently as yesterday my score drop 40 points and a loans i was doing got deny, here are errors which they refused to removed : Personal Statement Statements Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. ( i ask for this i send 2 letters and even call and ask to removed Inquires 1.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX 3.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non  specific XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX these inquires were not authorized by me, they dont have a signature, i never requested any credit by any of them
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT REPORT, PLEASE REINVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. THE XXXX ACCOUNT WAS REMOVED OFF MY CREDIT, IT REAPPEARED AGAIN WITHOUT MY KNOWLEDGE, PLEASE HAVE THOSE NEGATIVE ACCOUNTS COMPLETELY OFF MY CREDIT FILE. ATTACHED ARE REPORTS SHOWING THE ACCOUNT WAS NOT REPORTING ON MY CREDIT.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute regarding the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Complaint sub-issue: Reporting company used your report improperly

So, I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information with third party people. 

These are clear violations of my federally protected consumer rights
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX XXXX XXXX XXXX  XXXX ; XXXX  XXXX ; XXXX XXXX ; XXXX/XXXX XXXX and XXXX/XXXX XXXX
Complaint sub-issue: Account status incorrect

Equifax had a breach. I have included credit report as well as XXXX and both are telling companies I opened cards when I did not
Complaint sub-issue: Other problem

Purchased appliances at Best Buy and was offered the store credit card with a promotional offer of 10 % rewards on the purchase being made that day. At the time of the transaction the employee told me that the rewards could be used to pay the balance of the credit card which turned out to be false. I didn't find this out until I received the statement from the company and called to inquire how I could use my points for the payment. My intention when purchasing the appliances was to pay cash through a debit card and would have never signed up for the credit card if I hadn't been mislead. When bringing the issue up to the credit card company they said that nothing could be done.
Complaint sub-issue: Attempted to collect wrong amount

I sent this request on XX/XX/2021 : I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. Account Name : XXXX  XXXX Account Number : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 2. The date of last activity you are reporting for the below accounts dont match my records. 3. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. 4. No High Credit limit is reporting on XXXX. The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof. 

They not only violated the FCRA with their response on claim XXXX but this company attach the wrong Master Promissory Note ( MPN ) to my response. Please see attachment or go back and look at the attachment with their response. I dont know who this is but you have put all of these people at risk of identity theft with your negligence. I dont know who XXXX XXXX or XXXX XXXX is but they will be contacting you soon. I am concern because my personal identifiable information can be floating out here due to the negligence of ECMC. Please take a look at this company and their practices. Im disputing the the information that is reported to the credit agencies. They are only reporting information that is given to them by ECMC. ECMC is giving out other people information and I am worried my information can be floating out there. Why is my account information attached to their promissory note? Please explain.Please investigate and remove this account due to inaccurate reporting. Please see attached proof.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a follow up on a previous dispute for a dismissed bankruptcy thats was part of a fraudulent dispute with XXXX. 
LexisNexis had removed the Bankruptcy from my credit file XX/XX/XXXX case number XXXX. LexisNexis sent me paperwork showing the Bankruptcy was removed from their data base. I sent that letter to XXXX showing they had deleted and removed it. 
According to XXXX after receiving the letter I mailed to them certified showing the deletion. They did a re-investigation and sent me back the results. Saying they certified that LexisNexis is still reporting the Bankruptcy exist. 
So I called LexisNexis on XX/XX/XXXX and the representative at LexisNexis pulled up my file and emphatically said there nothing in the file showing a Bankruptcy in their data base. 
Under The FCRA stated on LexisNexis paperwork they sent to me XX/XX/XXXX case XXXX. It states you have the right to : REQUEST THAT LEXISNEXIS FURNISH NOTIFICATION OF THE DELETION OF DISPUTED INFORMATION OR A DISPUTE STATEMENT TO ANY PERSON SPECIFICALLY DESIGNATED BY YOU WHI HAS RECEIVED A LEXISNEXIS CONSUMER REPORT FOR EMPLOYMENT PURPOSES WITHIN THE PAST TWO YESRS, OR RECEIVED A LEXISNEXIS CONSUMER REPORT FOR ANY ORHER PURPOSE IN THE PAST XXXX MONTHS. 

So I sent LexisNexis a letter asking them to furnish XXXX notification that the bankruptcy was deleted and removed from their data based along with any other company that has requested a report or verification of this deleted Bankruptcy. 
The rep told me they dont do that. They have no way of sending a report to anyone showing it was removed. This is a violation under the Fair Credit Reporting Act. They are not honoring their own policy regarding what they state on there paperwork. Which I highlighted clear as day on the paperwork they sent me. 
XXXX and LexisNexis are breaking the law, and are violating my rights. 

I am enclosing the letter I sent to LexisNexis requesting they inform XXXX and any other company requesting my information of the deletion. Also the letter they sent me saying the Bankruptcy was dismissed. 

I will also be filing a complaint with the FTC and the Attorney General Office and the XXXX. Letting them know that LexisNexis and XXXX are not following there own policy under the FCRA. 

Last but not least I was on the phone with experian on XX/XX/XXXX for XXXX  minutes with the fraud department. Their representative told me even though they had the letter I sent them from LexisNexis stating the bankruptcy was removed. They were not honoring it. After another re-investigation, they certified that they have verified with LexisNexis that it still exist in their data base.
Complaint sub-issue: Application denied

In XXXX of 2022, was denied credit by Citibank when I applied for a Citi Premier credit card. 

I have proof that I was discriminated against by Citibank due to the response I received about my credit worthiness dated XX/XX/2022, and XX/XX/2022. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1692k.

Citibank is in violation of 15 U.S.C. 1641, 15 U.S.C. 1681m, and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used, and I received NO benefit.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX is reporting on my credit report for XXXX XXXX ( a payday loan company ). In the state of Arizona pay day loans are illegal. I 've contacted XXXX and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX sold my debt to Kohn Law Firm. I am unsure as to why XXXX keeps reporting my debt. I contacted Kohn Law firm twice per the attached letters and have not received what I requested. I then proceeded to contact XX/XX/XXXXto dispute all this and Khon along with XXXX stated that the debt was correct without once again providing me with the information I requested. Again, XXXX should not be reporting this debt since they sold it and Khon Law did not provide me with the documents requested.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are reporting incorrectly ( 30 ) plus days late on the DPT ED/XXXX ; XXXX and XXXXXXXX XXXX partial account numbers : ****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. ( Please see pages 5 18 and 23 - 30 of the attached credit report. ) These payments were made on time every month. I and not understanding why there are multiple reporting errors on these accounts. I have contacted the Dept of Ed ; XXXX and XXXX to delete the lates reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed. I have also contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I am in the process of reducing my debt. A major focus was this particular credit card. I transferred my entire cash flow to make a monthly payment expecting to have access to my credit limit. Within a few days of this payment while away from home my limit on this card was reduced effectively stranding me away from home. I made 3 calls to the card company and they refused to explain why this happened and that a letter has been sent to me explaining why. Ive received no assistance from them in regards to an explanation. Im currently stranded and struggling. I will be okay but I feel as though I have had a large amount of cash taken from me. I would never have made that large a payment at this time if I had known I would not have have had access to it.
Complaint sub-issue: Their investigation did not fix an error on your report

There is an item from XXXX XXXX XXXXXXXX on my credit report that does not belong to me and must be removed because its a fraud item but they always return back confirming that this account belongs to me with no proof. I need this item removed from my credit report because its effecting my life and i will look into legal means if this does not get solved soon
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are unauthorized inquires on my credit report.
Complaint sub-issue: Banking errors

XXXX received a notice to levy my account for not filing taxes in WI. They emptied my account on XXXX XXXX and I received notice of this on the XXXX. I remedied the situation right away by filing the missing information and I confirmed on the phone with a WI representative that my money should be returned after they receive it from XXXX. 

I called WI today, the XXXX, and the person I spoke with said XXXX has n't sent the money yet and that I need to contact them to find out more. He said once they receive it, then they will return it, but they ca n't do anything since XXXX has n't done anything. 

I went to the local branch and the assistant XXXX said there was n't anything they could do. I asked for proof the money was sent or any type of tracking and he said that they could n't give me any information. Just that when they get a notice, they comply. I said I understand, I just want more information as I was told that Wisconsin has n't seen anything yet and I would like a time line on how things work. They refused to give me any corporate number and said I could try the phone support, but would likely get the same answer. 

The total amount debited was {$620.00}, the levy was for XXXX. The levy number was based upon a guess for how much tax WI thinks I would owe, had I filed taxes. The previous year I filed was {$0.00}.
Complaint sub-issue: Frequent or repeated calls

CITI BANK CONTINUES TO STILL REPEATEDLY CALL ME ALL THROUGH THE DAY USING DIFFRENT PHONE NUMBERS A CERTIFIED LETTER WAS MAIL ON XXXX ( XXXX XXXX XXXX NUMBER XXXX XXXX XXXX XXXX XXXX WAS DELIVERED ON XXXX AT XXXX THE RETURN RECEIPT HAS NOT BEEN DELIVERED BACK TO ME YET. 
THESE ARE THE NUMBERS AND DATES AND TIME XXXX HAS CALLED. 


XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX IS AWARE OF THE CERTIFIED LETTER THAT ANY CORRESPONDENCE SHOULD BE IN WRITTING.
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$92.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$9.00} FCRA violations : payments never late XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$270.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX