Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I was surprised to see that there are accounts being reported on my Credit Report that are completely unknown to me. I took the liberty to investigate and concluded that these accounts are fraudulent. I am now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$2000.00} DP OF EDUC XXXX Balance Owed : {$6400.00} DP OF EDUC XXXX Balance Owed : {$5800.00} DP OF EDUC XXXX Balance Owed : {$2500.00} DP OF EDUC XXXX Balance Owed : {$3300.00} DP OF EDUC XXXX Balance Owed : {$6000.00} DP OF EDUC XXXX Balance Owed : {$9300.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$1400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance Owed : {$15000.00}. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: No notice of investigation status/result

Equifax refused to do a proper investigation regarding XXXX item in my account. Since 2016 I 've been contacting Equafax regarding this matter but the last ignored to conduct a proper investigation to verify the account. In my letter I specifically mentioned the statuary law that would make them investigate but every time they would say we did investigation and the account belongs to you and no details were provided.
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 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
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 right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX 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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX and XXXX  Account Number : XXXX have violated my rights. 

15 U.S.C 1681 section 602 States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instruction.
Complaint sub-issue: Problem getting your free annual credit report

Several times I have tried both online and via phone call to get my FREE credit report from Equifax. Today, XX/XX/2018, I tried again with no success. 

When I called Equifax 's number, XXXX, I was told I needed to get my report through XXXX XXXX ( NOT Equifax ). I was unsuccessful setting up a XXXX XXXX online account due to problems with their website, so no report was sent. 

When I tried to get an online copy from Equifax, www.equifax.com/fcra, I was denied ( no reason given ) and was given instruction to contact Equifax. Contacting Equifax just puts me back to creating a XXXX XXXX account. It 's a loop to no where.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Tried contacting, no luck. No help with customer service. Need this taken off credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 GFS II LLC  XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was seeking a pre qualification with lenders as I am looking to buy come XXXX. 

XXXX XXXX knew I was not going to getting a house anytime soon and knew that I did not have a down payment ready. 

She did not read any disclosures or anything indicating she would be doing a hard pull on my credit. 

I got an email from XXXX XXXX that I have 14 days to keep shopping now that a hard pull has been done. 

As I did not consent to this hard credit pull, my file has been obtained illegally and this is considered my intent to seek legal action against XXXX XXXX / XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$3300.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX 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
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$390.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$0.00}.
Complaint sub-issue: Didn't receive advertised or promotional terms

Hello, On XX/XX/XXXX I applied for the Citi XXXX Credit Card under a promotion stating that I would receive XXXX " Bonus Thank You Points '' in exchange for spending {$4000.00} within three months. 

I was approved for the card however did not receive the card until the week of XX/XX/XXXX. 

Due to Citi 's delay in mailing me my card I was given less then two months two complete what per their advertised terms needed to be completed within the first three months of account opening. 

On XX/XX/XXXX I reached out to Citi via chat XXXX attached ) and expressed my concern and asked for an extension. I was told to simply meet the spending requirement and they would see what could be done. Had I been told there was no flexibility I could have had the opportunity to meet the time frame they required. 

I met the spending requirement well within the three months of receiving the card but shortly after the three months of account opening. I followed up with Citi and they declined my request for issuing of Points based on their terms of spending needing to happened with the three months of account opening. 

Whether purposeful or accidental, Citi 's delaying my receipt of the card did not allow me a reasonable or fair opportunity to meet the promotional terms that they set forth. Furthermore, follow up with Citi produced disingenuous directions to continue spending without any clear indication of a fruitful outcome. 

I ask that Citi issue me the points promised based on the delay of card delivery at no fault of my own and the spending requirement met. I'll be upfront in saying if not settled through this process my next step of resolution would be a Small Claims case since the Points worth is significant. 

Thank you, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I sent an email to the courthouse asking do they report bankruptcy to any credit agenices and I received an email back stating that they do not report any bankrupcy to any credit bureau. If that the case how did the credit agencies verify my bankrudtcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C. 1681 SECTION 603 ( 3 ) ( E ) states The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They have violates my rights numerous of times.

15 U.S.C. 1681 1681 SECTION 602A states I have the right to privacy.

15U.S.C. 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an accounnt without my written instruction. 
15 U.S.C.1681s-2 ( A ) ( 1 ) states Reporting information with actual knowledge of errors 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: Didn't receive advertised or promotional terms

I submitted an application for a Citibank XXXX XXXX Master Card In XX/XX/2019. I received immediate notification that I qualified and was sent a card in 7 days. The promotion stated that if you spent {$2500.00} in 3 months you would receive XXXX miles. I spent around {$4000.00} but did not receive the promotion. When I called, I was told since I had a personal card within 48 months ( not the previous 24 months which had been the rules prior ) I would not qualify. I received no notification by mail or email that I didn't quality. I am now told i ( n the very fine print at the bottom ) it states the 48 months disclaimer. But I still can't find it anywhere. Perhaps in the original application which I don't have access to. I feel if they change the requirements they should notify the consumer that they do not quality for the promotion. But they failed to do this and feel they encouraged me to sign up for a card, spend the money and they tell you they have changed the requirements after you have spent the money. Totally unfair to the consumer. I have called Citibank and was told about the 48 month period which they acknowledge is a change in the program but refused to give me the promotional points.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my ID and SS for proof of address and Identity.
Complaint sub-issue: Information belongs to someone else

Equifax continues to ignore fraudulent accounts that do n't belong to me. They refuse to properly investigate and continue to ignore information that was provided to them in terms of fraud affidavit and police report. Also Equifax has inserted positive accounts that do n't belong to me.
Complaint sub-issue: Reinserted previously deleted info

Medical collections that was removed by company has been re-inserted as a collection on my credit report
Complaint sub-issue: Account status incorrect

I am requesting a line by line investigation of the account listed below, In Accordance With the Fair Credit Reporting Act. This account has violated my federally protected consumer rights : XXXX XXXX XXXX Account # XXXX. 15 U.S. Code 1692b Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ; ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of 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. Any communication effected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt and 15 U.S. Code 1692c Communication in connection with debt collection, ( a ) 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.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 


I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine, I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Complaint sub-issue: Information is not mine

Several items are not mine. Also their are several hepa violations. I never lived at some of the addresses and I 've never worked for a XXXX I 'm assuming it 's supposed to say XXXX .... which I 've also never worked at .... what a joke
Complaint sub-issue: Credit inquiries on your report that you don't recognize

the errors of inquires on my credit report are fraud I didn't apply for loans it was my XXXX XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX   XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use
Complaint sub-issue: Debt is not yours

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so, they didn't follow the proper five validation procedure which makes this an unfair practice. This needs to be looked into immediately.
Complaint sub-issue: Public record

EQUIFAX insist on reporting Public Record on credit files. FAIR CREDIT REPORTING AGENCY STATED THAT THIS PUBLIC RECORD WAS TO BE REMOVED IN XX/XX/2016. CONTINUED TO DISPUTE HARD INQUIRIES. LETTERS SENT TO CREDITOR STATING I DID NOT AUTHORIZE CREDITORS TO INQUIRE INTO MY CREDIT.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom it may concern, I do NOT accept the fact that I am continually given the run around regarding my credit report! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized Equifax Mortgage Services to run my credit! Equifax mortgage services has distributed my report with out my knowledge & consent on these dates! XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission! I do not accept the previous response sent by the company on XX/XX/XXXX! I want these inquiries off!
Complaint sub-issue: You told them to stop contacting you, but they keep trying

i am getting constant harassing phone calls and repeated threats from this company!
Complaint sub-issue: Account information incorrect

I have a collection on my file from XXXX XXXX XXXX ( Account number XXXX ) I disputed this account with the bureaus. They left it on the file. I contacted XXXX XXXX XXXX XXXX to resolve the issue. They told me they sold this account to another company last year. 

The bureaus violated my federal rights by leaving a collection on my file that the company who reported NO LONGER OWNED.
Complaint sub-issue: Funds not received from closed account

Ive been a Citibank customer for over 2 years and keep a personal checking account and multiple business accounts with Citibank. I visit the XXXX XXXX XXXX branch on a weekly basis and everyone there knows me on a first name basis. Ive had millions in deposits and withdrawals over this time period. On XX/XX/2022. Citibank blocked and closed my Checking Account Number : XXXX and sent me the following letter : Dear XXXX XXXX, We periodically review customer accounts to assess the suitability of their banking relationship with Citibank. Pursuant to a recent review, it has been determined that we can no longer service your account ending XXXX. 

Based on this decision, we have taken steps to terminate your banking relationship ( s ) with Citibank, pursuant to the terms of the Citibank XXXX XXXX XXXX Accounts. Your account ( s ) are not restricted from any debits and certain credits ( including debit card purchases ) and will be closed within XXXX days from the date of this letter. 

There is a balance of XXXX in the account. 

I was originally told 15 days in branch and by the representative when I called the customer service hotline that day. Its now been more then 15 days since XX/XX/2022. I can not wait 60 days for the return of my funds and would like Citibank to immediately close my account down and issue me the cashiers check and formally file a complaint about this. 

Why is Citibank holding my money for 60 days?? The original timeline of 15 Days was annoying but acceptable. 60 Days is absolutely unacceptable and criminal. Im probably not the only person this is happening to and Citibank is probably making tens of millions of dollars holding the funds from blocked accounts set for closure for 60 days. 

I implore the OCC to please reach out to Citibank on my behalf and help resolve this issue to get Citibank to immediately close down my account and allow me to pick up my funds in a cashiers check in branch or have the check mailed to my address without any further delays. 

All the best, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

on XX/XX/21 I sent out a letter disputing the inaccuracies reporting on my credit report in hopes of having the issue resolved within the 30 days or 45. it has been well over 60 ays and there has not been any sustainable proof of the items being reported on my consumer report to be verifiable. this is causing me a great deal of interest each year. as to my understanding the bureaus are violating my consumer rights under the FCRA and TILA. please help me resolve this issue as soon as possible
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..I disputed the accounts with the credit bureaus for months but they did not take any steps to remove the accounts..CFPB Please step up and delete the accounts UNKNOWN XXXX, XXXX XXXX, XXXX XXXX XXXX