Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with the accounts below. 

Account # XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , NV XXXX. 

Account # XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX , OH XXXX. 

Account # XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , OR XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX/XXXX XXXX , XXXX XXXX XXXX, XXXX , FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX , MO XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX   XXXX , NY XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , NV XXXX. 

My dispute was clearly submitted on XX/XX/XXXX. It took you 46 days to provide these inaccurate results. According to the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. 

Please delete these erroneous accounts so that I can finally put this issue to rest. Thank you.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact XXXX XXXX and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/XXXX I contacted the Equifax in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called XXXX 's XXXX in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted XXXX XXXX on XX/XX/XXXX and spoke to the rep by the name of XXXX Id # ( XXXX ). I contacted her because I was concerned with this item that listed on my Equifax report and also listed on my Husbands Equifax, XXXX, XXXX report, which he has made several attempts to solve this issue with them also. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/XXXX I contacted the National Legal Aid for assistance
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

The issue at hand is the re-evaluation process for credit limits with Citi Bank Credit cards. 

in general this complaint is to address the unfair practice of report pulling to reduce credit limits.

This practice creates a cyclic problem for consumers due to the following : Card 1 : had a XXXX limit in XXXX of XXXX Card 1 : was reduced to XXXX in XXXX of XXXX, just XXXX dollars over balance. 

this drastic reduction significantly raised utilization and inversely decreased credit score for having over 95 % utilization, thus raising risk factorization. 

Card 2 : had a XXXX limit in XXXX of XXXX Card 2 : had a XXXX limit in XXXX of XXXX,, about XXXX dollars above balance. 
Card 2 : had a XXXX limit in XXXX of XXXX, about 200 dollars above balance. 

Requested the balances be reinstated by citi bank, citi bank responded with calling XXXX  credit reporting. 
Also, using the automated " increase request '' was denied, system stated balances can only be increased every 6 months. 

This predatory practice of lowers limits just above balances is damaging to consumers because there is no control metrics to in place that protect the consumer. Credit score Hemorrhaging affects not just credit cards, but housing and employment opportunities as well. 

example of existing issue : Citi see a score change, Citi reduce limits Citi increase utilization to almost maxed out, score decrease significantly Citi see dramatic score change, Citi reduce limit threshold just above balance again. 
again, score lowers, and the cycle continues.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response to the written requests I sent in Equifax. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX/XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Complaint sub-issue: Information belongs to someone else

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, CERTIFIED BUREAU OF THE # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX  # XXXX, CERTIFIED BUREAU OF THE # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPAauthorization.
Complaint sub-issue: Reporting company used your report improperly

Apparently happened in XX/XX/XXXX or XXXX of 2017. No actions taken on company as of yet. Just found out. 

My SSN, DOB, full address and driver 's license have been stolen.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted the blow companies requires that provide detail of application and that these are Fraudulent inquiries and please have them removed Immediately and had no reply. XXXX XXXX ( XXXX XXXXXXXX ) 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
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 {$19000.00}, {$18000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Complaint sub-issue: Account status incorrect

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached my identification documents for reference. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Complaint sub-issue: Debt is not yours

On Sunday, XX/XX/2021, I received an email from XXXX stating that my {$1500.00} loan had been approved. Within 3 minutes, I received a communication from XXXX stating that my personal information had been used to secure a short-term loan. I reported to XXXX that I did not apply for any such loan. I opened Case # XXXX with XXXX and then called TargetCashNow at the number provided in the email they sent me : XXXX. I spoke with a representative and learned that someone online used my date of birth, email address, and social security number to secure a {$1500.00} loan and is having the money sent out of the country. I tried to explain that this was fraud. The agent told me I needed to file a police report. I told her I have XXXX and they would handle it. Today, XX/XX/2021, I received an email from TargetCashNow demanding payment of {$260.00} by XX/XX/2021, or I would be assessed an additional fee. I called XXXX and together we called and spoke with a representative at Targetcashnow.com named XXXX. XXXX told me I MUST secure a police report for his company as it is the policy at their company. He told me that they did not issue the money to the person who applied in my name. I asked him why they are demanding payment from me and he could not answer me. He told me that the only way to resolve the matter was to secure an official report from law enforcement. I believe this is not my problem. I asked for compensation from TargetCashNow for my lost time from work and miledgae but was not offered anything other than if I wanted to fix this so it is not my responsibility, this is what I had to do. I would like this matter investigated as this company is violating my rights under FERPA. Thank you.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I hired XXXX XXXX XXXX to move my belongings from XXXX  to XXXX  in XXXX of XXXX. When my belongings were shipped the container leaked. I received them in XXXX of XXXX and notified XXXX XXXX XXXX when I noticed the damage. They had me fill out a form and take pictures. The claim process took 90 days and it was denied because I didnt take pictures of the containers they were shipped in, which were already off of my property by the time I noticed the damage after unpacking. I called my credit card at that point and asked to file a dispute on a portion of the charge due to not receiving my property in the same condition it was shipped in. The phone rep put me on hold while she talked to someone else then came back on the line and told me I could not file a dispute because I still received all of my belongings. I dont feel I should have to pay for a service where I paid {$7000.00} to have everything I own shipped across the country to have multiple things I own have water damage. If a customer wants to file a dispute on a charge they should be allowed. Period.
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX XXXX and XXXX and XXXX XXXXXXXXand she was very rude she called me a XXXX on XX/XX/2022 this is very absusive she needs to be firedis very abusive to me and made me cry they dont understand how they are casuing extreme XXXX i never knew XXXX allows this typre of behavior she doesnt even recingized i spoke to her a week ago and you XXXXn doesnt do there job what so ever and i spoke to another rept XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have tone negative item negative credit items outstanding negative inquiries now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 49 times. XXXX is an abusive company they ignore me and wont help. They are supposed to be protecting consumers and abusing consumers. They need to be reigned in. they are causing me severe XXXX and now my credit isnt reporting correctly stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.i even provided a tracking number XXXX proving that they recieved the document to remove these items and nothing still hasnt. been done its been more then 60 days i need help
Complaint sub-issue: Account status

We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. Review the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at he time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the Consumer Protection Agency. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster Relief program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.
Complaint sub-issue: Reporting company used your report improperly

Called Equifax on XX/XX/2022, spoke with an agent that stated he would need me to send my Id in along with paperwork.. I stated I already did and its no need too and if I could speak with the agent supervisor. The supervisor XXXX XXXX, agent id XXXX  told me that they can not delete anything off my credit report and would need to dispute and investigate it! I never gave Equifax written consent in the first place 15 USC 1681b ( 2 ) and that is identity theft.