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

As I write this I am in tears since being victimized by IDENTITY THEFT in XX/XX/XXXX and the credit reporting agencies failing over and over and over to remove fraudulent attempts to apply for credit because EQUIFAX breached my identity and they now have my : DOB SSN Current Address All three of the credit reporting agencies were sent VIA FIRST CLASS MAIL a request for 7 yr fraud alert along with copies of the XXXX Police Report filed after my identity was stolen. To date, none of them have put this 7 year fraud alert, and when the 90 day alerts expire, that is when the flood of fraudulent applications appear again as hard inquiries, which continue to plummet by FICO score and I have had to spend hours and hours with the creditors to tell them I did NOT apply for credit, or I have to cancel credit cards that have been used online fraudulently. I have gotten to the point where I have chosen to cancel credit cards because the banks that represent them have failed to secure my identity, and continue to let applications through even though their are security freezes and fraud alerts on all 3 credit reporting agencies.

I had an average credit score of over 800 prior to EQUIFAX ruining my score which has plummeted 25 points and higher because they REFUSE to remove the hard inquiries.

I have screamed at EQUIFAX and they said that they are XXXX   inquiries, and you have to contact them,, over 120 days ago I did just that after being flooded with letters from creditors saying they turned down my credit because of too many inquiries and applications for credit that I DID NOT do.

prior to XXXX  being notified I was told I could put a security freeze, which I do have in place BUT they still have refused to remove the hard inquiries and now my FICO score has dropped 25-40 points since XX/XX/XXXX.

Now I am considering legal action by going to XXXX XXXX XXXX reporters to help me get them to do their jobs and when the Trump Administration 's XXXX, your new Director dropped the complaints and investigation with CFPB on Equifax data breach and I am livid about that.

I can't get any credit because after months the hard inquiries are still on my report. XXXX told me they would do an investigation and remove them! They've done nothing expect ruin my life since I have to field weekly calls, letters, and emails stating I am applying for credit and is this fraud?

that 8 hard inquiries were fraudulent and I provided a POLICE REPORT, I provided correspondence to make the 90 day fraud alert, permanent for 7 years
Complaint sub-issue: Fraudulent loan

I attended XXXX XXXX. A school that had branches in XXXX. I thought that I originally got accepted into a XXXX XXXX   university which I could graduate from, but I was mislead and it actually turned out to be a 200 question test you take online to get this so called " engineering degree '' which was complete bogus. I wasn't until after they put the loan in my name that I found this out. 

The loan now shows up on my credit report as I paid it down to the zero balance. It still has yet to be removed.
Complaint sub-issue: Problem getting report or credit score

Equifax sent me an email offering a reduced price for a 30 day subscription. When I tried to sign up for the subscription, the transaction was charged to my debit card, but Equifax sent me a message saying they could not complete the order. I called Equifax about the problem and the customer service representative informed me that I was trying to sign up for a 3 in 1 offer that was being offered by XXXX of the other credit bureaus. but that Equifax would not honor it any longer because I have a freeze on my account. I informed the representative that I never placed a freeze on my credit report and that the offer was from Equifax not a 3 in 1 deal with the other XXXX credit agencies. After about 5 minutes of a combative conversation with the representative I asked the rep if he would refund my money they charged. The representative informed me that Equifax had not charged my card and that he did n't know who had charged my account. 

I received an email confirming the order from Equifax and the charge on my card said Equifax along with their XXXX number. My worry is that Equifax is false advertising it 's products to consumers and not wanting to honor their specials. I asked the representative who I could talk to about the freeze on my credit report and he told me that he did n't know.
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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and also the creditors reported inaccurate financial information about me.
Complaint sub-issue: Debt resulted from identity theft

AMERICOLLECT INC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I call Equifax and ask to open an investigation on inquiries I see on my credit report they totally refuse to delete this information I call all the banks and the dealers and none of them have any information about me also I when to the police station they told me to ask Equifax to open an investigation first which they refuse to do on my behalf.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft for several months. Each month I get a credit report now to ensure that everything is correct and accurate. In XX/XX/2020 I received all three credit reports and there were several fraudulent information. I sent a package to all three credit agencies stating what information was fraudulent. In XX/XX/2020 I received a new copy of all three credit reports and some of the old information was still on the reports plus there was a new account. I sent all three credit agencies a new package listing all of the information that was being reported incorrectly and that was fraudulent. I have not received my XX/XX/2020 report as of yet but from what I can see on the agencies website the information is still on my report and nothing has been done to remove it. I have attached a copy of both packages I sent in XXXX and XXXX, a copy of my driver 's license for address verification, a copy of ssn card for identification, and a copy of my identity theft affidavit.The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have not obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Also, I have not authorized these transactions or authorized anyone to use my information to open these transactions. It is the result of identity theft. 

Fraudulent information : Installment Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX  XXXX
Complaint sub-issue: Company closed your account

Discover closed my account on XX/XX/2018 due to doing a random credit pull that I did not authorize. This situation is disappointing to me because I was in good standing with this bank. Whats even more disappointing was they didnt even provide me with prior notice that they were closing my account.
Complaint sub-issue: Company closed your account

The company close the account without any letter. The account was in good standing and paid on time.
Complaint sub-issue: Account information incorrect

I sent XXXXXX/XX/XXXX an validation letter so they sent me a copy of my contract. From the contract XX/XX/XXXX, Equifax and XX/XX/XXXX has been reporting the wrong information on my credit report. I been disputing this account for about 5-6 months and they continue to report incorrect information. I've sent the contracts first primer has sent to me and they still reporting it. They also all are reporting different things on my credit report.
Complaint sub-issue: Information belongs to someone else

EQUIFAX continuing to report inaccurate, fraud accounts onto my credit file maintained by your company. I have disputed these items with you more than once yet you still to disregard and send frivolous notice that these accounts are verified accurate. Please inform me what has XXXX provided to you legally verifying these accounts bearing my signature. The systematic procedure with codes that you use are not proof. XXXX has no documents bearing my legal signature or a valid driver license proving that these accounts that were obtained through identity theft and maybe on the account of all the past breaches does not belong to me. In have informed you over and over again that the said accounts, are results of identity theft and does not belong to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply
Complaint sub-issue: Personal information incorrect

My first name & last 2 numbers on my SSN have been wrongly entered in Equifax system. Two other credit bureaus ( XXXX & XXXX ) DO NOT show this wrong information. Ive been trying to get them to fix it for the past four months since XX/XX/2019 but every time I called, someone says the same thing, we need documentations. The proof of his name & SSN were sent multiple times. But no action were taken by Equifax. Every staff seems to not know what is going on as there are no note taken & they dont know what previous staff do. Im unable to obtain a mortgage loan bc of this information. It is unfair for me that they have the incorrect information but not willing to fix it.
Complaint sub-issue: Didn't receive terms that were advertised

i opened a brokerage account with Citi. I was told by XXXX XXXX ( XXXXXXXXXXXX ) that I would get {$100.00} sign-up bonus by opening a brokeage account by XXXX/XXXX/XXXX and transferred $ XXXX assets within 2 months. The sign-up bonus would be credited to me by XXXX/XXXX/XXXX. 

I applied the account with XXXX XXXX ( XXXXXXXXXXXX ) on XXXX/XXXX/XXXX and submitted request to XXXX on XXXX/XXXX/XXXX. $ XXXX assets was successfully transferred on XXXX/XXXX/XXXX. 

I confirmed that {$100.00} bonus with XXXX. So far, I have n't seen the bonus yet. I emailed XXXX a few times regarding to this. He said he was working on it, and I should see the credit soon. It 's a year now. and I still have n't seen the sign-up bonus.
Complaint sub-issue: Was not notified of investigation status or results

It's unfortunate it has come to reporting these companies that are supposed to be reporting our credit fairly and supporting us. That said it has been well over XXXX months, just this month I spent {$80.00} in certified mail disputing. I have been providing clear and legal documents which I'll include. I have been getting the letters notarized by the state of Pennsylvania, making it a legal affidavit. I have been including more personal information they even need to identify me. All included in the files I attached, this is holding my life back and my family. I am so XXXX  please help and hold these companies responsible for their complete lack of responsibility to uphold the law. I want this fraudulent information off my credit report immediately.
Complaint sub-issue: Problem with fees

Citi Cards switched my account to a new credit card without my implicit consent. Charges made with prior card were billed on new card. I began receiving late notices. When I contacted Citi they told me I had only one account & to ignore the calls. A few months later I learned my credit score dropped significantly. When I called Citi the situation was straightened out, but they only remove one late charge and kept interest charges caused by their mistake. I called Citi and they refused to take additional action to remove late fees/interest charges caused by their mistake.
Complaint sub-issue: Public record

I submitted a letter to Equifax stating the information they have on file is incorrect. Asked for them to send me verification with my signature on XX/XX/XXXX, 2nd letter went out XX/XX/XXXX asking for the informaton again. XX/XX/XXXX sent letter again asking for information along with letter from U S Bankruptcy Court in Texas. No comments on Report except NO tax liens or judgments. On. XX/XX/2016 sent one more letter before I file suit for not receiving written verification with my signature
Complaint sub-issue: Investigation took too long

A formal complaint was sent to Equifax via USPS certified mail on XXXX XXXX, 2015 and was received by its agents on XXXX XXXX, 2015. The following account has been under investigation well beyond the XXXX45 days allotted by the FDCPA. XXXX is the account in question and I request that the erroneous account be removed from my credit profile. ( See : Attachments ) All documentation supporting my claim has already been received by Equifax.
Complaint sub-issue: Attempted to collect wrong amount

This is complain is regarding CITIBANK credit card provided by Best Buy. I made a purchase of about {$1100.00} which was fully paid by XX/XX/2019 although the offer was up to XX/XX/2019 b ut I made sure I pay the amount own time more than the minimum amount per month. It happened twice that company website was down and I was unable to make the payment and company charge me {$27.00} of late payment fee on my account. I requested them to remove those charge because it was fault on their side and they didn't and added that unto my total balance and I contacted them multiple times to remove that balance even though I fully paid my amount. They were rude and didn't help me resolve issues. I have 12 credit card account and my score has always been 750 plus and I have managed my accounts very well but this company is trying to ruing my credit and make false charges and made my balance up to {$280.00} and trying to constantly call me and threaten me to pay by debt. I called them multiple times to resolve this issue. they didn't respond and are not helpful. I request consumer finance to take a look into this matter and help me because this is going to hurt my credit and my score.
Complaint sub-issue: Account status incorrect

Discovered that Nelnet does not report late payment greater than 30 days and that they only report greater than 90 days. On XX/XX/XXXX, according to agent XXXX XXXX with agent number of XXXX, he stated that my loans went out of deferment and the first loan payment was due XX/XX/XXXX, over 6 months later. Credit reporting agencies show that the loan was reported as " ok '' from XX/XX/XXXX thru XX/XX/XXXX. According to their records, they did not start reporting late until XX/XX/XXXX. I was not notified of loan coming out of deferrement status and in turn the loan has late payments from XX/XX/XXXX thru XX/XX/XXXX due to the false reporting of Nelnet. They reported my loan as " ok '' from XX/XX/XXXX thru XX/XX/XXXX, when it was in reality in default. The loan has since been sold to XXXX  and they are refusing to edit their false reporting of payments to all three credit bureaus. I have also included a deferment approval letter stating that my loan payments were never due. Nelnet never communicated with me to notify me of loan payments being due.
Complaint sub-issue: Account information incorrect

As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by Homebridge Fin. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer. 
Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted Homebridge and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( XXXX XXXX, XXXX  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.
Complaint sub-issue: Problem accessing account

I have several accounts with Citibank for many years. I have single accounts and accounts that was joint with my ex-husband. About a week ago I logged in my online banking and noticed that my ex-husband name is coming up on my online banking login. Then I receive email stating about changes made to my account. I seen a person first in the branch and they show me that everything was somehow crossed with my ex-husband. All my personal accounts now had his name and social security number and my date of birth. My debit card once they enter in the computer it comes up with my ex-husband name instead of mines and my name is listed on the card. I called in 2 times to have the problem resolved. the first person I spoke to was XXXX and he involved his supervisor who told him she was going to fix it and all she has to do is just issue me a new debit card. I told him I that not to be true because I am no longer listed on my own account he is listed as the signer. I then called back and ask to speak to a supervisor which the lady immediately put me on with XXXX the supervisor ( I just want to say just how nasty this lady was she didn't even try to help me ). I explained the situation and all she kept saying was go into a branch I can't do anything for you. I asked was she even going to try and assist me that when she asked me for my debit card number, but she still kept telling me to go to the branch. I asked to speak to her manager she told there is no one above and her manager is maybe in a meeting. I hung up. My privacy is more than violated because now my ex-husband has access to all my information and they made changes to my account without my authorization. All now my issue wasn't resolved I need help all my direct deposit goes into this account.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXXXXXX XXXX  XXXX ) I have sent 4 challenge letters to XXXX  XXXX XXXX  XXXX and equifax  XXXX Each time they say that the account has been verified ... How can they verify that this account is reporting 100 % accurate if they are all reporting different information? they have not conducted full and proper investigations is the answer ... .I am attaching a copy of my report so that you can see all of the inaccuracies in the reporting ... first off the account # includes the letter L which in reading is a metro 2 violation. equifax is not reporting terms and the other 2 are. account status are different, high credit is different, the comments are way different ... 2 of the bureaus do not even have the comment that it is in dispute which is a clear violation. date of last active are all different, date of last payment are all different and the 2 year payment history is totally different ... equifax is reporting ok, XXXX  is reporting a new charge off every month which is killing my score and XXXX  is reporting nothing
Complaint sub-issue: Was not notified of investigation status or results

I disputed multiple items. The account dispute center shows outcome PDF. Some of the dispute PDF are accessible and will open, but the other half show document not viewable. 

I called Equifax 8 times on different days and times. Only once have I spoken to someone who could attempted to help and she said there was nothing she could do to help. 
7 of the times I spoke to a rep but told to call back. 

I would like to view the outcome of the dispute. 

I also called to add a personal statement to the disputed items, but told they couldnt help.
Complaint sub-issue: Information belongs to someone else

The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act
Complaint sub-issue: Problem with fees

I paid my full balance on my Citibank card on XX/XX/XXXX {$1700.00}. I was contacted by then that I still incurred a late fee. So I paid this on XX/XX/XXXX. My account was closed and I was assured by them that it would close my account. I no longer had access to online banking. Much to my dismay I kept incurring late fees. Up to {$67.00}. The only way I knew about this was they sent a text message. I received no mail notification. They refused to reverse any of these fees. I paid the full balance again today but they could not reassure me that I still would not incur late fees. I am going through a Mortgage selling and purchasing and they would not report me for late payments to the credit bureaus. I spoke to XXXX people including the escallation team. None would help me.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I just checked my credit report and there is a new collection from " Enhanced Recovery System '' this is an item that I have no knowledge about. I have sent debt validation letter.