Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with statement of dispute

On XX/XX/XXXX, I disputed XXXX adverse accounts on my credit report. I listed in my dispute that I wanted to dispute the date of first delinquency. When I received the final resolution of my dispute, there was no change in information reported on my credit report with the exception of the date reported. When I called Equifax , I spoke to a XXXX XXXX that explained to me that there is no way to distinguish between the date of first delinquency or the date of last delinquency in the information that is sent over to the creditor. I was advised that the creditor has the option to choose which XXXX they will send. I then advised XXXX XXXX that my dispute was not handled properly because the date of first delinquency was not verified and this update in the date of reporting had negatively impacted my credit score. I wanted the information on my credit report to be accurate. These accounts had not been reporting since XXXX, but now since they updated Equifax , with the same information as before, the date of last report had changed to XX/XX/XXXX. So now, this account will not be deleted from my report for an additional 10 years from the new date of last reported ( based on the results of the dispute ). So I added XXXX additional years of reporting onto my report and the information that I added XXXX additional years of reporting onto my report and the information that I asked to be disputed had not been verified. This change in reporting date negatively impacted my credit score by XXXX points. I went from XXXX to XXXX. This may not seem like much to some, but it changes my status from poor to fair which is huge for a consumer. 
The dispute process was put into place to assist consumers with having accurate information on their credit report, if there was a risk to my score I should have been notified before hand and if I should have been made aware that there was no way to distinguish between date of first and date of last delinquency in my dispute so that I could have made an educated decision.
Complaint sub-issue: Their investigation did not fix an error on your report

It is with grave sadness I am writing this complaint against Credit Bureau, Equifax. Everybody knows how important credit report is. Well, I disputed bankruptcy items on my Consumer Report with Equifax on XX/XX/21 and again on XX/XX/21 and Equifax kept on being deceptive and failed to honor the state and Federal law concerning their responsibility regarding Consumer 's Right to privacy, etc. on one 's credit file. On 12/11/21, Equifax sent me another reply to my dispute saying they verified the report as correct. 

Equifax lied! They had no way of verifying my information as correct because I had placed a Security Freeze on my file since XX/XX/21 and the freeze is still in effect. Equifax has essentially violated my rights as a consumer, violated the FCRA rules, and violated the CFPB rules. I am asking this office to have Equifax delete such negative record permanently. I did not give my consent for any of the parties involved to access, share, sell or manipulate my personal consumer information, under the law. If you have further questions or concerns, please contact me by email or by telephone as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

did not remove these fraudulent inquiries : XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXXXXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank
Complaint sub-issue: Information belongs to someone else

I have a lot of unauthorized inquiries on my credit reports. I have been constantly asking for them to be removed from my report and they are still on there. 

Inquiries on my XXXX Report : XXXX XXXX XXXX  ( XX/XX/2021 ) XXXX  XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XX/XX/2021 ) XXXX XXXX XXXX XXXX  ( XX/XX/2021 ) XXXX XXXX XXXX XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries on My Equifax Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that the Credit Bureaus are not blocking records when they are sent with a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove these Fraudulent information from my Credit report : XXXX XXXX Balance Owed : {$6100.00} ; ACCT XXXX CRP XXXX Balance XXXX : {$650.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXX XXXXL XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX BANK XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; and XXXX XXXX AV XXXX XXXXXXXX XXXX  XXXX XXXX
Complaint sub-issue: Personal information incorrect

XXXX was paid in full. They hired XXXX XXXX  to report to the three major credit bureaus tthat my account is overdue in payments. The history is inaccurate.. This account is paid. XXXX is reporting to XXXX  Equifax and XXXX inaccurate history and status. This account is old and was resolved years ago so now this fraudulent reporting must end. The account is paid and it should say that. It's been years since I paid this .XXXX  The status is inaccurate. Iam attempting to resolve this before taking legal action. This practice is infair and staines my future financially.
Complaint sub-issue: Investigation took more than 30 days

i was a victom of fraud and there is a bankruptcy listed on my equifax credit report that is not mine
Complaint sub-issue: Account information incorrect

I pulled my Equifax credit report today XX/XX/19 at XXXX XXXX XXXX   and my mortgage account information is not up to date. It reflects the last payment as of XX/XX/2019. Equifax has consistently reported inaccurate mortgage information. Plus there is still another investigation that still has not been resolved from XX/XX/2019
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 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: Didn't receive terms that were advertised

XX/XX/2018 I opened checking & savings accounts under a {$400.00} new account bonus offer and then transferred the required funds in ( see Bonus Screen attachment ) XX/XX/2018 I started an online chat with CitiBank to ask about the bonus and was told the bonus would be applied by " XX/XX/2018 '' ( see Chat attachment ) XX/XX/2018 I  called to ask about it and was told a " promotion dispute '' Reference # XXXX would be opened and I'd hear something within 10 days. 
XX/XX/2018 Still no bonus so I called again and asked for a supervisor. I was transferred to XXXX who said he would escalate the issue. 
XX/XX/2018 No updates from CitiBank or bonus paid so I called again and asked for a supervisor. XXXX picked up on the supervisor line, told me there was nothing saying when the bonus would be paid and that the bonus team did not answer when he tried to contact them. I told him I would be filing a CFPB complaint so asked if he would put a note in the file so they can prepare a response.
Complaint sub-issue: Old information reappears or never goes away

I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact
Complaint sub-issue: Information belongs to someone else

This is my 4th 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, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several disputes to Equifax regarding XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. All these accounts are closed on my credit file and are reporting negatively. Equifax is constantly stating the accounts were VERFIED/BELONGS TO ME, and the creditors have not provided any VALIDATION OF THESE ACCOUNTS. Also Equifax has not provided me with any VALIDATION OF THESE ACCOUNTS. Equifax constantly sends me an updated credit report that these accounts BELONGS TO ME. I requested from Equifax what did the company VALIDATE with them, and I have repeatedly been ignored. Since Equifax and the listed companies above have refused to provide a VALIDATION WITH A CONTRACT SIGNED BY MYSELF.
I received two notifications from Fingerhut and Capital One Bank to remove from my credit file. Please see attached.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a notification that my account was 45 days past due. I have had this account since XX/XX/1995 with no late payments ever. So I sought to understand how this transpired.

1. I received a new card with changed terms and Citibank disabled my auto pay.

2. I went on line to re-establish the autopay set up. I also made payments of {$500.00} for the month of XXXX and XXXX. 
3. Citibank processed two payments for the month of XXXX for {$500.00} and autopay for whatever reason was not set. 
4. Consequently, the payment for XXXX was not processed. 
5. When the XXXX Payment went past due, I did not receive a phone call.

6. I was added to the do not call list without my authorization and is the reason why I did not receive a phone call that my account was  past due and therefore could not take corrective action. 
7. It appears an old number ( XXXX ) XXXX was called on one of my other citicards-not the account in question. Citibank authorized a do not call without my speaking to me. They never called me on the correct number that was tied to the account in question. It seems protocols were not followed. 8. So here I am with a 30 day past due on my credit report due to no fault of my own as Citibank disabled my autopay, processed
payments incorrectly and authorized a do not call without my permission. I would like to have this corrected on my credit report.

9. We are in the middle of a pandemic and I understand the banks are overwhelmed and many people are in financial distress. So, things may have slipped through the cracks. However, I should not be penalized for attempting to pay my account on time as I always have.
Complaint sub-issue: Frequent or repeated calls

Allied Interstate calls 5-12 calls each and every day. I have asked they not call my number every 5 minutes. They wont comply. This is harassment. Calling people every hour, sometimes not waiting an hour, does not make them want to work with you.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX I refreshed my 3 credit scores and it came back with no score for Equifax stating XXXXNo Indicator on file '' and all of my history was gone! no accounts listed or anything just a blank report like I didn't exist or anything. I attempted to Call Equifax customer care team and they do not know what I'm trying to explain. I don't have access to my current score as it has since disappeared into thin air. I then attempted to get my Equifax report/score through different credit apps like XXXX and XXXX and I still did not receive a credit score or report back from Equifax. Either my credit file has some glitch or it has been mixed/split up. I can't get anyone at Equifax to help me with this issue and its been a huge stress to my life. Please recover my score and report!!
Complaint sub-issue: Threatened to sue on too old debt

Alliance One has sent me a statement with the threat of a lawsuit on a parking ticket dated XXXX/XXXX/2009. the collection agency also is threatening to execute on a judgment on a matter which has not been litigated ( falsely insinuating that a suit has been instituted ). Alliance One also is displaying on their correspondence that I am employed, falsely insinuating that a income excution and garnishment will be issued. the outstanding debt refers to parking tickets, however, the collection agency has placed a negative item on my credit reports, therefore creating irreparable damage to my credit rating.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXX Account 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 an account without my written instructions.
Complaint sub-issue: Problem getting your free annual credit report

I am dealing with a XXXX. diagnosis and I am not able to get thu on the phone recording because it is automatic and it keeps saying the same thing over and over so I can not get a report, or know if I am doing this right.
Complaint sub-issue: Company closed your account

I called to report non-consented activity on my credit card. Company stated that it would issue me a new credit card number and card. Credit card never came. I never received a new credit card and then noticed a late payment fee on my account which makes no sense since I have autopay set up. I called PNC, they stated they closed my account at my request. I never requested the account closed. I have called PNC multiple times to try and get the situation sorted out. Every time they promise to escalate it, and no one calls me back. 

This has been going on for weeks.
Complaint sub-issue: Application denied

Citigroup denied me a Citi Double Cash card and mailed me a denial for the Citi custom cash card to further prove their incompetence. I tried for 15 years to get this card and now they are mocking me in a denial. What a disgrace of a company
Complaint sub-issue: Their investigation did not fix an error on your report

I provided these documents to Equifax twice in my dispute
Complaint sub-issue: Received bad information about your loan

I have requested forgiveness under the Public Service Loan Forgiveness waiver. For six years I worked for the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I provided my XXXX form that verifies my employment for those years and it has been denied as evidence of my work as a civilian. This is the official form the Department of Defense uses to document federal service. 

The Fed Loan Servicing said they require the PSLF form to be signed. The XXXX XXXX XXXX XXXXXXXX XXXX who should sign this verification does not have a way for former XXXX civilians to contact them ( your account is discontinued when you separate from civil service and there is no phone number or email to contact ). 

The human resources at the office I worked for provided a letter to verify employment but FedLoan Servicing will not accept that. They did say they would accept signature from my former direct supervisor but he is dead. 

The other thing they said they would accept is W2s, but I am missing my W2 for 2009 and the IRS will not provide a tax transcript for that long ago. 

In addition, the rejection of my application sited the wrong reason for rejection. If I had not called and asked, I would have provided the wrong information and not addressed the actual reason for the rejection of my application. 

In addition the FedLoan Servicing said they requested that my loans be transferred from my current loan servicer, XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX claims they have not received the request and claims they have no way to verify. So the two servicers are providing contradictory information and will not talk to each other.
Complaint sub-issue: Transaction was not authorized

There were two withdrawals from my checking account on XX/XX/2022, one for {$8400.00} and one for XXXX. These transactions were not authorized by me. I was the victim of identity theft. I have talked with several people at this institution to no avail. I received an email from their escalation department on XX/XX/XXXX saying that they have tried numerous times to reach me at my phone number ; however, I have received no calls from them. They have given me 15 days to get back to them, but they do not return my calls. 

XX/XX/2022 XXXX XXXX XXXX XXXX {$8400.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX UPGRADE , INC . 
XX/XX/2022 XXXX XXXX XXXX XXXX {$3500.00} Please help me to get my money back. I have filed claims with my bank.
Complaint sub-issue: Problem with fees

XXXX XXXX, I called to cancel my citi credit card. I had a balance on my card. I have always made my payments by mail, with a personal check. On XX/XX/XXXX, I contacted CITI CARDS, and requested my final bill. They sent ma an Email, stating, that I should make the payment on line. I informed them that, I have always made my payments by mail with a personal check. They, CITI CARDS, has been sending me a bill in the mail ever since I opened the account. I made several phone calls, requesting my bill by mail, as usual. They ignored me. In XXXX, I started receiving E-mails, stating that, my bill is past due, and they are charging me late fees and interest, in the amount of {$31.00}. I have never made a late payment, and I always pay my bills in full, and on time. I think it's unjust, to deliberately delay my bills, and the charge me late fees.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2018, around XXXX we made 3 deposits to the BB & T bank ATM in the amounts of {$1800.00}, {$5000.00}, and {$5000.00}. When making the last deposit, the ATM shut down, did not return the money, nor post on the account. We made calls to BB & T and filed for fraud. The fraud report was denied because agent said that the bank ATM balance was correct and there was no discrepancy in overages. The agent refused to view surveillance footage of the ATM to confirm no internal theft took place. At the deposit, we were driving a XXXX XXXX XXXX XXXX note and made 3 separate deposits. The missing deposit was in {$100.00} bills in cash. The Bank refuses to investigate the situation further. Attempts to resolve through bank failed. Will not provide any footage of ATM audit or relevant facts. ATM is supposedly serviced by XXXX and they claimed that there was no surplus deposit in the ATM. 

In the fraud filing process the agent took down the incident wrong multiple times to the point that we had to go to the branch and file a new fraud claim. The bank refuses to do anything about the lost deposit and refuses to admit that internal theft is at play. They will not look at video or investigate the situation.
Complaint sub-issue: Reporting company used your report improperly

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. Equifax is in violation my federal rights as a Consumer by furnishing my information without my written consent which violates 15 usc 1681a ( 2 ). By doing so they have damaged my reputation and infringed upon my right to privacy as a Consumer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted XXXX  regarding these unauthorized inquiries on my report to be removed and they refused. 

I have submitted in writing by certified mail with a return receipt that these were fraudulent inquiries and request for them to be removed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my report.
Complaint sub-issue: Banking errors

XX/XX/XXXX I made a purchase from a store called XXXX XXXX to provide as a gift for a XXXX XXXXXXXX. After a month of no order update regarding shipping and not being able to contact the store via email or social media, I opted for a dispute with the bank i made the purchase through being Credit Karma Money XX/XX/XXXX where I received a provisional credit for the {$65.00} that was spent. I received an email XX/XX/XXXX regarding the dispute and saw {$65.00} pulled from my account. When I called to find out what happened, they claimed that the dispute failed because the items where delivered. I never received the item and the XXXX XXXX website has been down since XXXX. When I asked how did they came to that conclusion, they could not provide an answer and claimed to have escalated the case XX/XX/XXXX. I have yet to hear back a week later and when I called in I was told that it hasn't been looked at yet and still processing.