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

I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW OWN OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). THIS IS UNAUTHORIZED REPORTS ON A PUBLIC CREDIT SCORE. WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. I HAVE REPORTED THESE COMPANIES THIS WEEK. THIS CORRESPONDENT IS FOR THE VIOLATIONS THAT EQUIFAX, XXXX, AND XXXX HAVE COMMITED. PURSUANT TO 15 U.S.C. 1681 ( n ) ( a ) ( 1 ) IT IS A {$1000.00} FOR EVERY VIOLATION. I DEMAND TO BE COMPENSATED FOR DAMAGES ASSOCIATED WITH THE 3 CREDIT AGENCIES LISTED.
Complaint sub-issue: Card opened as result of identity theft or fraud

Credit Card application submitted to the following companies in my name : Discover - XXXX - Bank Credit Card
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted multiple disputes and an FTC report for the following fraudulent accounts. None were deleted : XXXX  : XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00} Equifax : XXXX XXXX XXXX {$250.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX : XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00}
Complaint sub-issue: Information belongs to someone else

After receiving my credit report, I am disturbed. After acknowledging inaccuracies and/or incomplete information, and accounts. I am a victim of identity theft and the information that is reporting on my credit profile DOES NOT relate to any transactions that I have made. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are obligated to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report that don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX XXXX, XX/XX/2017, XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017
Complaint sub-issue: Account status incorrect

I sent a lot of letter to the bureaus such as XXXX, Equifax and XXXX, but they don't work wirh my case. I want you to investigate my credit report because it has a lot of inaccuracies, errors that I want to fix. 
Thank you.
Complaint sub-issue: Problem with personal statement of dispute

I refinance my mortgage in XXXX of this year I was told I didnt have to make a payment to the new mortgage until XX/XX/XXXX the mortgage company sent the payoff check to my mortgage company and it was short they sent a check back but three weeks went by I found that out made a payment for XXXX to try to save my credit report the mortgage company since sent the correct payment with the XXXXirst mortgage company report and me being late 30 days to no fault of mine Im trying to fix it with them but they giving me a hard time Ive even sent letters from the mortgage company saying it was their fault what am I supposed to do
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate complaint. I filed a complaint in regards to my Citibank XXXX XXXX XXXX ending # XXXX not a Home Depot account handled by Citibank. To date my complaint in regards To the Citi XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, Citibank, XXXX and XXXX, XXXX for refusing to report my Citibank XXXX XXXX card ending account # XXXX. In my complaint I did not say Home Depot credit card handled by Citibank I specifically wrote in my complaint that Citibank is refusing on report Citi XXXX XXXX card ending account # XXXX. 

Instead of Citibank properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my Citibank XXXX XXXX card, Citibank used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 


On or round XX/XX/2022, I received my XXXX, XXXX and XXXX credit report and noticed they are inaccurately reporting my Citibank XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted Citibank or the XXXX credit bureaus and disputed Citibank XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX/Citibank refused XXXX report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold CitibankXXXX accountable. 

I want CFPB to investigate Citibank fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by Citibank. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Complaint sub-issue: Threatened or suggested your credit would be damaged

My husband and I used a PNC home equity loan to pay for golf school for our son in XX/XX/XXXX or so. The loan was backed by our home. We sold the home in XX/XX/XXXX so all should have been paid but they were not unknown to us. We received 2 late notices for XX/XX/XXXX & XX/XX/XXXX. Then started to make the payments. In XX/XX/XXXX they sent a bill for {$32000.00} to be paid in full. We have reached out several times for a payment plan but they will not work with us. We went Into the bank to apply for a loan but since we dont own a home for collateral they will not give us a loan. We called the XXXX number and had the problem w the escalation team. I have not had a phone call to give status or resolve this. We tried to use the home we are building as collateral but since the closing has been pushed from XX/XX/XXXX to XX/XX/XXXX they will not work with us. They are destroying our credit to where we cant get any loan. PNC had a lean on the house we sold. We are trying to file a claim with the closing company. XXXX XXXX XXXX. Attorney XXXX XXXX XXXX but he has not responded. 
I tried to call the president of PNC bank XXXX XXXX with no success of a return call. I dont know what to do get the loan paid off and fix my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have made several disputes through written letters and also through their official page also telling them that I do not recognize this Hard inquiry and therefore it had to be removed from my credit report immediately since it should be fraudulent and I is it affecting my credit record.
Complaint sub-issue: Their investigation did not fix an error on your report

I originally disputed 31 items on my LexisNexis Consumer Report in XX/XX/XXXX. They corrected some of the information but several items were not. I shopped online for automobile insurance in XX/XX/XXXX and discovered that several automobile accidents were still on my report. I disputed the items again on XX/XX/XXXX. I did not receive a response from LexisNexis until I contacted them on XX/XX/XXXX to get an update on my request. I finally received a letter from them on XX/XX/XXXX that my report was available on their website. The new report still lists six accidents which all involved my son and not me in any way. At the time I filed both disputes, I explained to LexisNexis that the information was related to my son who has the same name and shares my home address but owns his own car, has his own PA driver 's license, and his own automobile insurance. I have afforded them two opportunities to correct my report but they have failed to do so. Therefore, I am requesting your assistance in having the original 31 items removed from my report in a timely manner.
Complaint sub-issue: Personal information incorrect

Equifax has really cause me a big hard ache, they are reporting previous address and names thats XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX tx I was a victim of identity thief i have sent several things over they have removed and keep putting it back on, violating my rights with someone else information
Complaint sub-issue: Problem with additional products or services purchased with the loan

Good morning. 

I am reaching out to you for help concerning my car loan. I purchased a XX/XX/XXXX XXXX XXXX for {$17000.00} on XX/XX/XXXX. On XX/XX/XXXX, I was in an accident that resulted in a total loss of my vehicle and the driver at fault not having insurance. My insurance company valued my car at {$11000.00} and sent the playoff check for that amount. In the meantime, I was asked if I had gap insurance. Of course I am covered ... ..or so I thought. According to the customer service representative ( XXXX ), CarMax does not offer Gap insurance in the state of SC nay longer. I was unaware of this issue. I thought at the time that I had the proper insurance amounts to cover any losses to my vehicle, even though I was not expecting it. According to my credit union, it is mandatory for most lending institutions to in order to loan money on a car. I bought a new car recently from a dealership in XXXX, SC and the first thing they offered was Gap insurance. While I was not sold gap insurance, the CarMax warranty was pushed really hard, of which I did purchase. 

I had logged in to my account to make sure the insurance had sent the payoff, and I saw that the insurance check had been posted, my account was closed and I had a XXXX balance. The next week, I logged back in because I have another car with CarMax Financial and I was going to make a payment, and I see my previous account has been reopened with a {$2800.00} balance. I called in to see how this happened and I was told that someone had accidentally applied the balance to my account, closed it out, and then it had to be reversed. 

The car is gone. It is totaled. It was the responsibility of CarMax to make sure they at least offered Gap insurance. In the state of SC, it is not an option. This has really caused a lot of anxiety for me. Not to mention, a month after that accident, someone ran a red light, t-boned my husband and I at 70 mph and put us both in the hospital. It resulted in XXXX XXXX for me, a XXXX   XXXX ( that lead to his employer terminating him ) and a XXXX XXXX. Even if I agreed to the {$2800.00} balance, I do not have the means to pay it until we are all healed and back on our feet. I have the information showing where the loan was closed, so I have sent that in to the credit bureaus. However, there needs to be measures put into place to force CarMax to give the customer an option on Gap insurance in the state of SC so that this does not happen to anyone else. 

I have reached out to the corporate office at car max, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others, with no resolution. I had customer service call me and offer me a payment plan. They are also continuing to charge interest on the balance! There is no car to repo. It needs to be waived because this was a fault on CarMax, not on me. 

Thank you, XXXX XXXX
Complaint sub-issue: Account status incorrect

In XXXX I filed a Chapter XXXX with XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ( XXXX ) XXXX, this Chapter XXXX was XXXX on XX/XX/XXXX. 
My wife and I applied for a loan refinance to lower our interest and get cash out for a vacation after XXXX. We were informed by our loan agent with Rocket Mortgage that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX Texas ( XXXX ) had a bad debt listed on my credit report, for {$21000.00} and that XXXX XXXX Bank our mortgage carrier had placed a lien on our home. We were never contacted by XXXX XXXX concerning the alleged bad debt that XXXX XXXX was claiming we owe, we find this rather XXXX and since its XXXX XXXX! 

A XXXX representative said that their company bought the debt back in XXXX, obviously the company bought bad debt. I was never contacted by XXXX XXXX by phone or mail from XXXX through XXXX. If XXXX had contacted me I would have told them that the debt they were trying to collect has been discharged in a Chapter XXXX ( {$23000.00} ) XXXX XXXX should not have allowed a lien to be placed against our home this has cost {$12000.00} cash out, XXXX XXXX should have contacted us about the company approaching them with some alleged bad debt.
Complaint sub-issue: Old information reappears or never goes away

Equifax continues to report inaccurate=fraudulent inquires on my credit report. I have submitted numerous ftc reports, written numerous letters, called multiple occasions, about three to five fraudulent inquiries still on my credit report, I have received letters from Equifax stating that they deleted the inquires, even still they are on my Equifax credit report. Equifax and there shady business practices need to be looked into. Equifax remove these inquires now! I have documented and attach below all proof of my words.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accountslisted below to be removed because Accouring to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX. XXXX XXXX XXXX XXXX XXXX {$440.00} Date open XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$12000.00} date open XX/XX/XXXX
Complaint sub-issue: Add-on products and services

I had a credit card with Macys and due to some charges on my account I was unaware of for " Credit Protection '', which I did not sign up for, I had late charges added to my credit report by Macys for XXXX 2018. I had a {$0.00} balance that I was aware of and because of these unauthorized charges they put 60 days late charges on my credit. I was not informed until they were already reported, then I received a letter from them. When I found out I paid this off to clear it up and have it removed from my credit report even though I disputed it. They refused to remove from my credit report and I have continued to dispute with the credit agencies, continued to call Macy 's to complain and ask for the reporting to be moved, yet nothing had helped and the late payments still show.
Complaint sub-issue: Problem during payment process

In XX/XX/XXXX we agreed to a Discover Card Direct Pay agreement which would draft XXXX our checking account monthly. We had just been enrolled in the HAMP program and need to stabilize all our expenses. The agreement was for one year. In XXXX of XXXX, without notice, letter or even a call Discover drafted {$430.00} from our account. We called and asked that the above {$300.00} amount be returned immediately. They said no, it was " a past due '' amount. Nothing could be done. In XX/XX/XXXX without notice again, they drafted {$710.00} from our account. We were shocked and called again to no avail. They subsequently closed the account and demanded full payment. Our position is that their Direct Pay agreement does not allow them to withdraw whatever amount suits them. Their credit agreement does not allow it either. We can not believe we are the only ones to suffer this fate.
Complaint sub-issue: Information belongs to someone else

This is my other 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 alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX : {$13000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX  XXXX Date Opened : XX/XX/2018 XXXX XXXX : {$9500.00}
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XXXX/XXXX/2017 I checked my credit card account online and saw an unusual charge of {$1200.00} had posted that day from a store I had never heard of. I called Citicards to inform them of a fraudulent charge. The agent said it was ok to keep the card open and I wo n't be responsible for this amount.
The next day I got an automated call from Citicards fraud system asking about a suspicious charge of {$1800.00} at another store. I responded that it was fraud and the card was terminated. An agent called and issued me a new card.
Four days later I checked my account and saw that the first charge from XX/XX/XXXXfor {$1200.00} was added to my credit card balance. I chatted with citicards online and the agent said nothing was done with this amount as far as disputes or flags go. He put in the dispute wrong as " goods or services not as expected ''. I called Citi on the phone and after several transfers got connected to a higher-up who said the whole thing is now a mess and should not have happened this way. The card should have been shut off the first time I called the charges reversed. He was going to do some paperwork on it and it will be a while until it 's resolved but it will be fixed.
Two days later I get a dispute letter from Citicards in my email needing a signature. I dispute letter says : Reason for dispute- Goods or Services not as Expeted. I respond to the email stating that I wo n't sign the document because it is wrong. The goods or services were never even purchased by me, it was fraud.
A few days pass and I get another email from Citicards with a new dispute letter that has a blank line for reason for dispute. I fill it in with " fraudulent charges '' and sign it, mail it, and hope for the best.
Today, a month later I get an email from Citicards saying the dispute was in favor of the merchant and I will be responsible for paying the {$1200.00}. I call Citicards a few different times throughout the night and get all different explanations on how their dispute system works and how they do their investigations and get completely different answers for each person I talk to. The guy in disputes says that fraud charges do n't get disputed, they get flagged. The guy in fraud says fraud charges get disputed.
Not once during their " investigation '' did they contact me for anything other than a signature.
Complaint sub-issue: Investigation took more than 30 days

Hello, I have submitted disputes to the consumer reporting agencies and I haven't received any updated information pertaining to my investigation on the consumer reporting agency 's side of things I have given them the proper amount of time-based on law which is 30 days and I have also given them extra time to correspond back to me on the results and I haven't received anything back from them in the mail as of today XX/XX/2022. I first made contact with them on XX/XX/2022 and nothing has transpired since then. The company was Equifax. The total process now has been 34 days and counting and I haven't received anything from the consumer reporting agency.
Complaint sub-issue: Was not notified of investigation status or results

I have been sending letters to the bureaus it has been longer than 60 days and I still haven't gotten a response. I am really stressed and don't know what else todo. I have a list of unauthorized inquiries that is on my credit report that I did not commit.
Complaint sub-issue: Information is not mine

I pulled my credit report from XXXX, Equifax and XXXX XXXX and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX Equifax and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.
Complaint sub-issue: Account terms

I would like the Credit Bureaus to report my information accurately and up to date. I have contacted them multiple times via phone, letters and complaints and have yet to reach a resolution. I have provided proof from my creditors that these accounts are reporting however my credit file does not reflect any of those accounts.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding several unknown and inaccurate items listed on my credit report. More than 60 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 67 days since my request was made and to date, no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.