Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

Since XX/XX/2020 I have not been able to see a full credit history inside the " My Equifax Account. When I log in there is no history at all. no installment, no revolving, nothing and shows to this day my credit score from XX/XX/2020. It has not updated the score and tells me I have no accounts. 

So finally after 4 months of getting the runaround by the people who just answer the phone. They tell me the system is updating, please try later. I have made too many calls to them and i end up after 2 hrs still no one can tell me where all my credit history went. I contacted them in XXXX and got the same runaround. Tell them whats going on and they ask for identifying info then say, we have escalated this to another department and someone will be in touch within 48 hrs. Well 3 weeks is not 48 or even close to 48 hrs.Still no word of where my credit history went and when this will get fixed. I have reported this for 5 months. I have had Identity theft issues and i was wanting an extended fraud alert but with no history showing and can't even get anyone to actually help me I cant get this done. So this is where I'm at 5 months almost 6 months later. NOWHERE! Please Help.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$85.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$35.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Used obscene, profane, or other abusive language

On XXXX XXXX at XXXX CST time, A representative by the name of XXXX Id # XXXX from Hunter Warfield called me about a debt I owed. First all she asked was if I was the customer and without verifying other information such as my address to make sure she was speaking to the correct party she directly disclosed my debt information. After asking me if I will be able to pay the debt all I said was thank you for calling and the representative stated '' I did n't ask you to thank me I am asking when will you pay this debt '' then she begins to talk with an attitude stating that If I was a mature person I would pay the debt back and then she asks me " how old I was '' and that 's when I asked for the manager but the manager did n't do much the resolve the issue.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Report improperly shared by CRC

Equifax has put a security alert on my credit that I did not ask for and shared this with XXXX and XXXX
Complaint sub-issue: Report improperly shared by CRC

My personal information was taken by an identity thief, I 'm asking the last XXXX hard inquiries ( XXXX ) ( XXXX ) on my credit report. be removed or blocked I have a police report number XXXXThank you in advance
Complaint sub-issue: Didn't receive notice of right to dispute

This account is listed on my credit report as being opened on XXXX/XXXX/2017, for {$450.00}. i did not authorize any purchases to this company ( XXXX ) and this debt collection agency is not licensed in my state to collect this debt.
Complaint sub-issue: Attempted to collect wrong amount

This account is from XXXX and they keep reporting it as new. They reported it last on XX/XX/XXXX. They are saying that the account was opened in XXXX and it definitely was not, it was XXXX. 
The amount is {$1200.00} and its negatively affecting my credit score when it should be gone.
Complaint sub-issue: Problem accessing account

To date PNC has refused to lift the restrictions to my having online access to my account This unreasonable restriction to online access to at account has been imposed for six consecutive months In fact PNC has been further financially exploding me as a XXXX, senior citizen client by intentionally sending multiple paper bank statement and charging inflated fees to intentionally cause my account to go into overdraft to intentionally impose overdrafts fees. 

PNC has also intentionally restricted all online access to my account that was imposed initially upon opening my account XX/XX/XXXX, I have no access to free online banking statement I am XXXX XXXX XXXX impaired customer whom recently suffered a XXXX XXXX, a few month ago. I informed PNC six months ago that I am not XXXX  capable of calling and visiting the branch, I can not XXXX  to ATM However PNC has no value for me as a XXXX customer, that they refuse to provide me with required reasonable accommodations, they refuse to refund me the XXXX dollars I was shorted upon initially opening the account XX/XX/XXXX, When I requested free of charge checks to access the account they refused. 

As I stipulated PNC has absolutely no value for me as a XXXX customer or they would at least stop being so petty, refund the XXXX dollars I was shorted, upon initially opening the account XX/XX/XXXX, lift the online restrictions, that is currently on my account, since XX/XX/XXXX and provide free of charge checks to at least provide me with some kind of access to the account. 
This isn't an isolated incident, PNC imposed unreasonable restrictions on prior account, to limit my access in XXXX,
Complaint sub-issue: Received bad information about your loan

I enrolled in XXXX XXXX XXXX in XXXX, shortly after I was dropped because I did n't meet their criteria. In XXXX I ran my credit, surprised to see I had a federal loan amount, upon being dropped I was told that I would be responsible for equipment, not course because it was prior to 30 days. I reached out to great lakes, in order to get the matter resolved they instructed me to speak with someone at the school and if the received something in writing that they would resolve the matter, or began paying I explained that I was n't working an had XXXX kids with no income they told me that they would put my account into some sort of plan until the matter could be resolved. So I went to the school an asked for a copy of the imformation that supported me being dropped the XXXX said that id have to contact their corporate office to get any imformation because it was no longer at there facility. She gave me a XXXX number I called they told me they would have someone look into it and give me a call back. I never received a call back, after XXXX days I called back several times the last time they told me that the person handling this was out of town an would get back to me upon his arrival back. Next they were closing for fraudulent behavior an they were not allowed into records, Now I have a high student loan on my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

Related to case # XXXX Although the resolution for my dispute was to remove the satisfied judgement from my record, the same judgment appeared 3 times on my report and LexisNexis only removed 1. I called daily throughout the 36 days it took to receive a resolution, and multiple times the reps assured me that all 3 instances would be removed since they have the same case filing number. Now LexisNexis is stating they 30 days for the resolution though it's the same piece of information they've already provided a resolution for.
Complaint sub-issue: Not given enough info to verify debt

I was contacted through IC System regarding a debt that was owed to XXXX XXXX XXXX.Because I disputed the validity of the debt additional documents including a contract and proof they were authorized to collect was sent on XXXX XXXX, 2016. See Attached. The documents sent do not support IC systems being licensed to do business within the state of Georgia.
Complaint sub-issue: Non-sufficient funds and associated fees

I was victim of fraud via phishing. Without a proper investigation, the bank ( Citibank ) denies my claim stating that I have provided account information or authorization for the transactions. 

On Tuesday, XXXX XXXX, XXXX at XXXX I received a text message for XXXX : Citi : Your Citi ONLINE ACCOUNT has been temporarily locked due to a suspicious activity. Visit XXXX XXXX XXXX to verify yourself and regain access. 

After clicking on the link, it directed me to the Citibank sign in portal page, in where I entered my User ID and Password, and I closed the page afterwards. 

Later that day, I received an email from my cell phone server " XXXX '', saying that my XXXX has been changed from a number to another number, and had no phone service after that email. I called XXXX and they advised me to go to a store and get the SIM card replaced, I did so. 

On Thursday, XXXX XXXX, my XXXX has been changed form a number to another number, and I had no phone service. 
Later that afternoon I received an email from XXXX account team saying that my password was changed. 
I had no phone service, neither access to my emails. 

I checked my Online Banking Account and I spotted 3 unauthorized pending wire transfers transactions and a XXXX transaction. I called the bank several times and reported the XXXX fraud, they ask me to call back to report the Wire frauds the morning after due that the Wire Transfer Department was closed after XXXX. 

Recipient : XXXX XXXX : {$5000.00} Citi bank was able to stopped the wire on XX/XX/XXXX. 
Recipient : XXXX XXXX : {$7000.00} were wired out of my account. Bank has denied my fraud claim. 
Recipient : XXXX XXXX : {$900.00} were wired out of my account. Bank has denied my fraud claim. 
{$2500.00} trough zelle founds out of my account ( recipient : XXXX XXXX ). Bank has granted me the claim. 
Personal Loan trough CITI ( was denied, I sow the denied email today after recovering my email account ).
Complaint sub-issue: Company closed your account

Commerce Bank ( XXXX XXXXXXXX ) credit card XXXX XXXX XXXX XXXX Card lowered my credit limit from {$2000.00} t0 XXXX $ overnight, after they received hectic payments lowering my credit balance. 

It appears that they deliberately lowered my score, when I was trying to pay up the balance lowering my credit balance. 

I spoke with their CSR for which she replied that they will be sending a letter soon. 

I think this is an outrageous maneuvre by some credit card companies either for their protection, but will affect a honest credit payers intention to improve his credit go to the ocean.
Complaint sub-issue: Account information incorrect

I have had a few issue with old or inaccurate information and unverified accounts on my credit report. There is an account from XXXX XXXX XXXX # XXXX, is in current status and was never late please remove the 90 days late not accurate?? I have an account that was resolved with the original creditor. I never done business with XXXX XXXX XXXX # XXXX please delete. I have a unverified account XXXX XXXX XXXX OHIO DOCKET # XXXX this account is not accurate please delete.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THE FOLLOWING INQUIRIES ARE INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES HAVE IMPACTED MY CREDIT SCORE AND IN THE PAST YEAR I HAVE WORKED VERY HARD TO GET MY SCORE WHERE IT IS AT. 

UNAUTHORIZED CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX ( I ALREADY HAVE A XXXX XXXX CARD ) - XXXX XX/XX/XXXX XXXX I APPLIED AND WAS APPROVED FOR XXXX ON XX/XX/XXXX BUT THERE ARE 2 INQUIRIES ONE FOR XX/XX/XXXX WHICH WAS AUTHORIZED AND ONE ON XX/XX/XXXX WHICH WAS NOT AUTHORIZED ) - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2021
Complaint sub-issue: Account status incorrect

On XX/XX/2019 I called CITI Best Buy card to inquire about my ongoing payments on an account I had with them. I have had the account over 2 years. I would use the account for no-interest purchases but I always had {$100.00} a month taken out as an autodraft. This was been done for 2 years. In fact, I know each month when it will be taken out and I can see it on my statement. 

We move from XXXX to XXXX in XX/XX/2019. XXXX XXXX has been my bank account for 10 years. There is not a XXXX XXXX  here, but I placed enough funds to run the rest of the bills through and then call to change accounts. When I called CITI-Best Buy I was told that my account was past due and that I was being reported on my credit. 

They said the XXXX payment was returned NSF and that I had not paid the XX/XX/XXXX payment because of this. I said I never knew it was returned and asked how they had contacted me over this. I showed on my account where it was paid and the account is now closed so I can not view it. 

When I questioned they said even though I get electronic messages, that none had been sent out in regards to this because their system doesn't allow that type of message. I asked about calls. He said he saw once in 60 days a call had been placed to my phone number but it showed " No Contact '' was made. I very much question the truthfulness of that. Then I asked how about mail? I have all of my mail forwarded from my XXXX XXXX XXXX . He said the system shows that it went into my account and " Updated '' my address with a new address that I did NOT authorize and it was INCORRECT. So their computer updated an incorrect address and I was not recieving any physical mail from them either. 

So they could not email me, due to their error not mail me, nor had to contacted me via the same phone number they have had on file for 2 years. But yet I am supposed to know the payment was returned and make a new one from my new bank account. This is absolutely the dumbest thing I have ever heard. 

I told him I wanted the account paid in full and closed on the spot. I told the rep I was reporting them to the CFPB and he chuckled. He said it was their decision to report or not and that the CFPB couldn't reverse anything. I am furious for this action on CITI Best Buy and I believe they should be held fully accountable. 

No consumer should use this company or be subjected to their ways. This is an example of taking total advantage of a customer, lowering their credit score and forcing them to pay higher than normal interest due to their maleficence.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These inquiries do not belong to me. Please remove them as I did not authorize them. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to stress you have given me.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed 2 secure prepaid cards and my credit score dropped 30 points for 1 of them.
Complaint sub-issue: Problem with product or service terms changing

Hello, I applied for a student loan back in XX/XX/XXXX-XX/XX/XXXX, My payments were supposed to start in XX/XX/XXXX. I was young and unaware of the importance of credit letting my payments get behind, before getting my payments deferred in order to go back to school. I was under the impression that the deferment would last as long as I was in school but XXXX courses do not qualify. A few more payments were missed due to confusion. I have now made payment arrangements with the Loan company getting my payments on tracks, was wondering if there was anything else I can do in order to get my on time Payment cleaned up. Thank you for your time!
Complaint sub-issue: Was not notified of investigation status or results

Hello I sent in a letter asking Equifax to verify 2 accounts that were on my credit report that I do not recall ever being mine! They never opened up an investigation all they did was add remarks to the XXXX  XXXX account but never emailed nor sent me a letter regarding my dispute. The remarks dropped my score by 57 points. I am under the impression that I never received a fair investigation. 

Please see all my supporting docs thanks XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has Violated my Rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
PLEASE REMOVE AT ONCE. 

XXXX XXXX XXXX Opened XXXX Closed XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX $ Status/ Account charged off. {$130.00} written off pass due as of XX/XX/XXXX XXXX XXXX XXXX Potentially Negative Date XXXX Balance XXXX Status/Paid, Closed XXXX Bank XXXX XXXXPotentially Negative Date Opened XX/XX/XXXX Balance {$2.00} Status/Account charged XXXX $ written off. {$2.00} past due as of XXXX XXXX XXXX XXXX XXXX  /Pontentially Negative Balance - Status Paid/Closed date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$650.00} Status/ Account charged off. {$450.00} written off. $ XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$910.00} Status/Collection Account. {$910.00} past due XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$370.00} Status/Account Charged off. {$250.00} XXXX {$370.00} pa XXXX XXXX XXXX XXXX {$100.00} Status /Closed
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XX/XX/2021 SSN : XXXX To whom it may concern, Im writing this letter to dispute the following accounts : XXXX XXXX XXXX This company is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity XXXX XXXX. ) Violations of 15 U.S.C 1692g
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 U.S.C 1681.

I had Four employer That had security Breach that Impact the Privacy of their employee XXXX, XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX & XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  Account Number XXXX  HAS VIOLATED MY RIGHTS XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX  Account Number XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXAS VIOLATED MY RIGHTS XXXX XXXX account Number XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C 1681 Section 602 A. States i have the Rights to Privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information Any other adverse items 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt was result of identity theft

I was in high school in Georgia I did not open this account. This account is fraudulent.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Due to the Equifax data breach, there's fraudulent inquiries reporting on my account. Please remove the following fraudulent unknown and unauthorized inquires on my credit file. 

1 ) XXXX XXXX ( XX/XX/XXXX) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX) 3 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX) 5 ) XXXX XXXX ( XX/XX/XXXX) 6 ) XXXX XXXX ( XX/XX/XXXX) 7 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX) 8 ) XXXX XXXX ( XX/XX/XXXX) 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XXXX ) 11 ) XXXX  ( XX/XX/XXXX)
Complaint sub-issue: Information belongs to someone else

Several accounts listed on my report that were not mine. Several dilequencies also reported that were not mine. Personal/private information has been compromised. Contacted Bureaus letting them know of fraudulent activity over 1 year ago when it was detected XX/XX/2016. Several accounts have still not been resolved. Still affecting my credit score/report.
Complaint sub-issue: Public record information inaccurate

I have disputed this fradulent public record numerous times with the credit bureaus. XXXX  and XXXX  refuse to remove this incorrect information from my credit report, XXXX  has done so already after properly investigating and proving it does not belong to me.