Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX XXXX : XXXX XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Addresses : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have made a purchase at Best Buy for new computer, it was not working, I returned computer to a store and was issued credit, but that credit was never applied to my credit card. I have contacted Citi Bank numerous time, they issued the best buy card and was denied credit, despite I have a credit slip from store.
Complaint sub-issue: Their investigation did not fix an error on your report

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

XXXX XXXX XXXX XXXX - {$150.00} XXXX XXXX XXXX XXXX - {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXXXXXX - {$13000.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXXXXXX - {$450.00} XXXX XXXX XXXX XXXX XXXX {$710.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$75.00} XXXX XXXX XXXX XXXXXXXX - {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$290.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$75.00} 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 15 U.S.C 1681c. ( 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 records of convictions 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 reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

This company is reporting hard inquiries that I did not do.
Complaint sub-issue: Didn't receive notice of right to dispute

I received a notification alert from XXXX regarding a collection acc # XXXX. I immediately contacted XXXX about this issue and explained to them that I did not open this account and this account is very much fraudulent because I am a victim of identity theft. XXXX told me to contact the collection agency or file a police report. I contacted the collection agency and they failed to provide information about the debt. I was not notified of this debt by the collection agency or original company. I have not knowledge of this debt and I am a victim of identity theft. The debt is in the amount of {$1100.00}. The collection agency name is MRS Associates. This is also indirect communication because no one contacted me in regards to this alleged debt owed.
Complaint sub-issue: Information belongs to someone else

ACCOUNT ISNT MINE, I AM NOT RESPONSIBLE FOR THOSE ACCOUNTS, I AM A VICTIM OF ID THEFT, PEOPLE HAVE USED MY INFORMATION TO OPEN THEM. 

-XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$2600.00} -US DEPT OF EDUCATION
Complaint sub-issue: Problem with customer service

We purchased an item through XXXX on XX/XX/XXXX. When we realized that we were deceived by the seller, we contacted CITI and filed a dispute with their department, case # XXXX. At that time we clearly informed CITI 's dispute dept. that we had the merchandize and that we would send it back to the seller if the seller pays for the return shipping cost. The seller refused to pay for the return shipping. CITI then reversed the charge of {$1700.00}. 

After over four months and many emails with CITI, on XX/XX/XXXX they informed us that they had reversed the credit because we were in possession of the merchandise, the fact which they were aware of when we filed our dispute on XX/XX/XXXX Their dispute department clearly did not read any of our responses and denied our dispute based on the fact that we had the merchandise, the info they were aware of on XX/XX/XXXX! 

We then followed up by filing a complaint with CITI 's Executive Office. However, we later received an automated email stating the same irrelevant reason for denying our request to reverse the charge. CITI 's Executive Office personnel paid no attention to our many emails to them and their dispute department and refused to reverse the charge of {$1700.00}, even after XXXX informed us that that option still existed for CITI to debit XXXX. 

Their first excuse was that the deadline to reverse the charges had passed. Then, they changed the excuse for not reversing the charge was because we still had the merchandise! 

CITI bank has failed to protect us, its customers, by their poor handling of our dispute and dragging the issue unnecessarily, and finally, denying our claim based on the information which was available to them over four months ago.
Complaint sub-issue: Not given enough info to verify debt

I sent a letter with Texas State guidelines for debt validation and received no response. I contacted XXXX and reminded them that the FCRA states that all debts that have n't been properly validated must be removed from the report until the debt can legally be verified. XXXX has continued to willfully violate the FCRA by reporting this debt without proper validation. North American Recovery also continues to violate the FCRA for not validating the debt as per Texas XXXX Code by providing the documentation that is required by Texas law. I sent them a copy of the criteria and they are willful non compliance with the FCRA as well.
Complaint sub-issue: Old information reappears or never goes away

Hi i am an XXXX XXXX veteran who has spent the last 8 months paying off every bit of credit debt i have. Student loans, deliquent debt etc. I am needing my score to equal XXXX so i can use my VA loan for a home purchase. I have battled with XXXX XXXX XXXX and equifax about the lopsided effects happening to my credit score. For instance on the verge of reaching the XXXX goal my credit score dropped 120 pts for no apparent reason setting me back months erasing every gain and putting me farther behind. Just recently i finished paying everything off expecting a similar jump in score and my score only moved 10pts after clearing XXXX $ worth of debt from my name. What is going on with our credit system how can i obtain answers and a remedy so i can no longer be XXXX.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX is listing a debt of {$5000.00}. I'm unaware of any outstanding balance and have not used that account in over 10 years. I need the account removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

When I pulled my annual credit report a year ago, I saw that a fraudulent account balance from XXXX XXXX XXXX was reported on my file as a collection through XXXX, XXXX XXXX for {$60.00}. I immediately contacted the collectors at the number listed asking them to verify the validity of the account because I was with another carrier at the time the alleged charges were incurred. The company failed to provide this information and I submitted a dispute with Equifax to have the collection account removed from my account because the company made no attempts to verify the accuracy of the debt. I have yet to here from Equifax about removing the inaccurate account. Then today, I pull up my annual credit file and I see XXXX still listed as a collection as well as XXXX XXXX XXXX listed for the same debt. There is no contact information listed to contact the company and I have tried to initiate a dispute on Equifax 's website, but it is telling me the identifying info I have provided is inaccurate. Really!! These collection companies are parasites and Equifax is supplying hosts. They need to be held accountable. Fix the problems you are creating.
Complaint sub-issue: Non-sufficient funds and associated fees

Dear CFPB : Bank of the West ( BOTW ) hit me with a NSF fee on XX/XX/XXXX ( a {$35.00} fee ). The transaction should have simply been stopped, but BOTW pushed the funds through. I, wrongfully, incurred an additional {$30.00} on XX/XX/XXXX ( due to my account being more than {$200.00} overdrawn ). The transaction was an online EFT, BANK to BANK, " one time '' checking account transaction to a savings account. The transaction of XX/XX/XXXX was overdrawn due to a keystroke error. When I learned of it, on XX/XX/XXXX, I had the funds returned to BOTW by XXXX XXXX XXXX XXXX XXXX on the same day. However, the funds did not post in time to stop the second NSF fee of {$30.00} for XX/XX/XXXX, or so says, BOTW. 

I believe that BOTW was being abusive by allowing the overdraft to go through on XX/XX/XXXX. I complained to the bank managers in person, online by email and by telephone, but I was told that the fees are correct. Bank of the West has been treating my account as if I signed up for overdraft protection. Even insisting that I was automatically signed up when the account was registered online. However, when I opened my BOTW account online ( # - XXXX ) on XX/XX/XXXX, I never once signed up or designated an alternate account to cover any overdraft protection. 

Under the overdraft protection law enacted XX/XX/XXXX it is illegal for banks to automaticaly sign up new accounts for overdraft protection. Again, the H.R.1261 " Overdraft Protection Act of XXXX '' - Amends the Truth in Lending Act to prohibit a depository institution from engaging in unfair or deceptive acts or practices in connection with overdraft coverage, or in acts designed to evade the provisions of this Act. ... ( 1 ) the consumer 's transaction may be declined if there are insufficient funds in the related transaction account, and ( 2 ) the consumer will not be charged a fee if such transaction is declined. ... Prohibits an overdraft coverage fee if the overdraft results solely from a debit hold amount that exceeds the actual dollar amount of the transaction. ... 

The US Treasury makes a direct deposit for my SSI payment into my Any Deposit Checking account on/or before the first of every month. BOTW was well aware of my direct deposit history and decided to take advantage by transferring the full amount to XXXXXXXX XXXX XXXX XXXX XXXX where my XXXX. fund is managed, even though it would put my primary checking account in a negative balance. If I were unable to return the funds back to BOTW I would have continued to incur NSF fees every five days until XX/XX/XXXX. 

In closing, I am requesting that the CFPB audit all my BOTW transactions for the months of the XX/XX/XXXX through XX/XX/XXXX. Please advise. 

Sincerely, XXXX XXXX XXXX, XXXX, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I sent a letter off on XX/XX/2022 as well as made a phone call. 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 to share my information to third party people.

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

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX/XXXX  Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

I extensively researched different credit cards back in XX/XX/XXXX and  finally decided to apply for the Discover It card because everywhere I looked said there was 0 % interest on purchases and balance transfers for something like 18 months, maybe 14. This was written clear as day in all the articles I read, as well as the terms on the actual Discover website. I applied and was so excited to be approved ... In XX/XX/XXXX I put a large purchase on my card and they are now charging me interest. I called the company multiple times and they argued with me saying that you only get the special interest on purchases IF you're approved for that, not when you're approved for the card. I've never experienced something like this and I totally feel like they lied to get me into a credit card with them but never gave me the promotional interest rate as advertised. I read all the fine print and couldn't find anything that says you may not be approved for the 0 % APR on purchases, they're claiming I only was allowed that on balance transfers and I know that's incorrect. I'm currently working on getting a new card to transfer the Discover balance into so I can give my business to somewhere that honors their word. Every card I've ever applied for has given me the intro rate that shows on the application and I thought Discover would be no different. Sorry I was so wrong.
Complaint sub-issue: Other problem getting your report or credit score

I had a collection acct removed off my report that was not mine the company that reported it put it in the wrong person 's credit report. The acct was not in my name nor was it attached to my ss # number. I had this removed from my report back in   XXXX   XXXX   2017. The credit bureaus put a fraud frezze on my report without my consent. Then in   XXXX   XXXX   I applied for a home loan and   XXXX   was unable to pull my Equifax report due to a fraud alert. I called   XXXX   XXXX   and had them remove it. Since then  XXXX  has tried to pull my credit  XXXX  times for a mortgage and  XXXX  and  XXXX  pull forward and Equifax still will not pull forward. I have made over 42 phone calls faxed several documents as well as the bank and  XXXX  the Thrid party company has contacted Equifax. We are getting no where everyone keeps telling us there is no block. But my report continues to say blocked from Equifax. This has put a tremendous hardship on my life I 'm unable to get my home and now have no home to live in. I 'm living in my fifth wheel due to us not getting our home loan. This is unfair and has put me in the hospital once for chest pains. I need this fixed and right away I do n't know how to get it resolved so I have filed a complaint here the attorney Generals office and the better business bureau and I feel i need a attorney and sue for stress and hardship and health issues this is causing as well as my family is basically  XXXX  due to this credit bureau blocking my report without my permission Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( closed account {$43000.00} ), have violated my rights. 

XXXX5 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Information belongs to someone else

I don't recognize this inquiry made on my report and is need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX None Of This Inquiry was made by me therefore it need to be removed thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX. XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX 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: Credit inquiries on your report that you don't recognize

I requested a credit line increase with CitiBank for my Costco Visa Card. The option I selected was for a instant credit line increase which specifically stated " this will not cause an inquiry on your credit report. '' No sooner than five minutes later did I get a notification of a hard inquiry on my XXXX  report. I called to dispute this and they said they could do nothing about it and apologized. Unbelievable.
Complaint sub-issue: Public record information inaccurate

I filed a bankruptcy back in 2012, but according to the New law that took effect in July they should be taken of because of missing pertinent information. My public records need to get removed because of this new law.
Complaint sub-issue: Information belongs to someone else

I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX, XXXX and Equifax are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2020 and accounts are still reporting fraudulently. 

XXXX/XXXX  ACCOUNT # XXXX AMOUNT {$7300.00} XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX ACCOUNT # XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Problem accessing account

Hello. I am XXXX XXXX. Answer to complaint XXXX. Sorry why you can't see any account actions. ( Just see a few small actions ). And you answer a scam story. I will complete a XXXX XXXX card and a XXXX card. I can see all my actions. And a Best Buy card I can't see any actions and can't check my account. That's why I don't use a Best Buy card. I am XXXX and have a lot of banking experience. And you're wrong with the public. Every citizen should look for and follow his account. It's just wrong. I have contacted you on the phone and you have no answer. XXXX XXXX
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX BANK XXXX, XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

Applied for mortgage loan through XXXX XXXX in XX/XX/XXXX, and XXXX XXXX XXXXXXXX XX/XX/XXXX. Both stated they received no scores from XXXX, XXXX, and Equifax. In XX/XX/XXXX, I got scores for them when I applied for rental units. So XX/XX/XXXX, I called the bureaus listed, asked why they reported no scores? I was told by customer service representatives they were showing scores for me. They refused to give me the score over the phone, citing I had to pay for it ( {$9.00}, etc. ). I questioned why two different lenders were getting the same result, they claimed not to know and said I needed to have them call the bureau directly. I shouldn't have to pay for my own credit report and submit it to lenders. 

Something does not add up!
Complaint sub-issue: Information belongs to someone else

I believe I have been effected by identity theft. Accounts were opened using my social security number and information without my knowledge. By the time I realized, my score was so low, I could not obtain any credit. This has effected my greatly and I would like this inaccurate information removed from my credit report within 7 days.
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY ME.
Complaint sub-issue: Information belongs to someone else

XXXX $ XXXX LIMIT {$500.00} DATE XXXX DATE OF XXXX XXXX ACCOUNT XXXX I SENT LETTERS EXPLAINING THIS IS NOT MY ACCOUNT NO RESPONSE FROM COMPANY IN OVER 3 YEARS, I WANT THIS ACCOUNT REMOVED FROM MY EQUIFAX CREDIT REPORT, NO ANSWER OR HELP FROM EQUIFAX BECAUSE I WAS PART OF THE BREACH WITH EQUIFAX I WANT ACCOUNT REMOVE ASAP
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$470.00} ), XXXX XXXX  ED/XXXX ( Date opened XX/XX/XXXX, Balance {$1900.00} ), XXXX ( Date opened XX/XX/XXXX, Credit limit {$2000.00} ), XXXXXXXX XXXX  ( Date opened XX/XX/XXXX, Credit limit {$2800.00} ), XXXX ( Date opened XX/XX/XXXX, Credit limit {$300.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Talked to a third party about my debt

I was called at work by Cash Call and they gave a co worker my information of how much I owed and when will I pay. A about XXXX min later they called my cell phone and when I spoke to them and explained what had happened they stated they would look into it but nothing has been done. They said they were going to listen to the recording but I do not know if that was done. And they call my phone almost every hour on the hour.