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

In accordance with the Fair Credit Reporting Act has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A, states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 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 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
Complaint sub-issue: Other problem getting your report or credit score

Equifax is DENYING the requested information. 

Equifax is playing games in this matter. ALL IS NEEDED IS FOR THEM TO GO INTO THEIR ARCHIVES, LOOK AT WHAT MY CREDIT SCORE WAS ON THE DATE OF XX/XX/2020!!!!!!!!!!!! Instead of compying with my request, they have sent me my current credit score, and repeated letters asking for my identification.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, I informed XXXX, XXXX and Equifax that the ( XXXX XXXX XXXX ) XXXX was reporting different across all three credit bureaus. 

XXXX and Equifax said they verified this information as correct. 
XXXX  never responded to my letter I sent. 

I want to remind you its the Credit bureaus responsibility to report 100 percent accurate on the consumer report, Please see the variables below Date Opened : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Equifax ; XX/XX/XXXX High Credit : XXXX : {$500.00} XXXX {$0.00} Equifax ; {$300.00} Last Reported : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Equifax ; XX/XX/XXXX Comments XXXX : Charged off as bad debt Purchased by another lender XXXX Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX XXXX Equifax ; Account transferred or sold Charged off account Date Last Active : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Equifax ; XX/XX/XXXX Date of Last Payment XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Equifax ; XX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The Home Depot has cash my official bank check of {$500.00} has haven't acknowledged that they cash my check. I wrote to the customer service with proof and fax to the Resolution Expeditor Executive Team this bank is playing games with my money. I don't understand Citibank this has been a nightmare for this senior. 


account # XXXX Citi : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Pa XXXX
Complaint sub-issue: Debt is not yours

on XX/XX/2020 I get an alert from XXXX  that this collection agency is trying to collect {$1400.00} from me. I have no idea what is about, I haven't received any letters etc.
Complaint sub-issue: Debt was paid

My dept is now in collections to another agency which means it was paid in exchanged. I no longer have obligation to pay this dept once it is paid off. Now I just have a agency harassing me to pay them instead when I did not sign a contract with them.
Complaint sub-issue: Information belongs to someone else

I have been in Payment Agreement with XXXX XXXX XXXX a who purchased debt originally owned by XXXX/XXXX Since XX/XX/XXXX. I have made onetime monthly payments to them for outstanding amount reported on my XXXX   Credit report. However two conditions are not being meet under FCRA, # 1 the payments being applied are not being reflected in my credit file therefore changing the status as " current '' AND # 2 The amount due as reported online is not going down based upon timely payments.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying for 10 + years to fix I had a account with XXXX XXXX in XXXX and I got hurt at work, i am permanat XXXX should have been paid off they sold or transfer at least 8 times every time new one called I told them never hear from that one and then it was sold to someone else well on XXXX it was sold to XXXX XXXX and on credit they did says new open in XXXX and when I desuted it saying it tis from another nothing Equifax does dispute in my file shows open XXXX from XXXX same account the below says XXXX XXXX XXXX XXXX they bought this in XXXX from XXXX even says on report sold charged off and they being XXXX keeps trying to say no it open in XXXX this account is over 10 years old and they just ran my credit again this year This is the only account all my others when I got hurt did what I bought XXXX insurance never thinking I would ever use it and still they keep screwing me I have talk with my credit union about this in the collections department and they say they cant do that the account is from XXXX not new in XXXX I have copies of the results they just did and it shows it clearly How many years do I have to pay for getting hurt 10 + 20+?
I need the corrected and I do n't know what else but fight it over10 years old. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Please see attachment. This is the response that I received when I requested the Method of Verification for the fraudulent Discover Financial Services account. XXXX  is refusing to validate this debt. They are also updating the XXXX date each month which is also a direct violation of my FCRA consumer rights. I am hereby requesting for this fraudulent account to be removed from my account due to XXXX XXXX inability to validate the account.
Complaint sub-issue: Reinserted previously deleted info

There is an account from  XXXX   XXXX   XXXX  appearing on my credit report and it should not be there. This was previously disputed and removed and it has now reappeared.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I disputed an unauthorized charge made to my personal Citibank Preferred credit card from a merchant called Vivid Seats LTD on XX/XX/2020 in the amount of {$8600.00}. 
However, on XX/XX/XXXX I logged into my Citi account and became aware that Citibank resolved the dispute against me despite the evidence I presented showing the charge was unauthorized. When I last filed a complaint on CFPB, the status of the Citi dispute was CLOSED. However it has now been REOPENED and new information has come to light. 

This is related to my previous CFPB complaint XXXX, however this complaint is regarding the UNREASONABLE LENGTH OF TIME THIS COMPLAINT HAS BEEN OPEN DUE TO CITI 'S MISHANDLING OF THE INVESTIGATION. 

On XX/XX/2020, I requested the evidence that the merchant sent to Citi that resulted in their resolving the dispute against me in a phone call ( spoke to XXXX XXXX, and the rep at Citibank put in a request, stating I would receive a reply within XXXX business days. I never received said evidence. 

After I followed up AGAIN via email demanding the evidence the merchant sent, Citibank reopened the investigation and on XX/XX/2020 emailed me to inform me they had sent along my dispute to the merchant and that the merchant would have until XX/XX/2020 to reply. This is not acceptable. I opened my dispute on XX/XX/2020. Citibank did not perform even a basic investigation. They never reached out to the merchant prior to CLOSING the dispute. Only until I continued to press the issue did they EVER reach out to the merchant - FOUR months after my initial dispute date. They did not perform their basic duties to protect me, the card holder, or follow basic protocol and procedures for dispute investigations. 

It has now been 4.5 months since I opened my dispute with Citibank and to this day my dispute is still in limbo. Given Citibank 's severe mishandling of my dispute, I am requesting that Citi close the dispute in my favor immediately and return the funds to me.
Complaint sub-issue: Can't close your account

I have 2 credit cards issued by Citibank, a Sears card and a Universal XXXX card that was originally issued by XXXX XXXX XXXX. I contacted Citibank 3 times on each card, attempting to close these account, both of which have a XXXX balance. They have yet to close these accounts, in fact I just received a " new '' card on the Sears account in the mail. It has become very frustrating trying to deal with this company - they intentionally hide links to close accounts and send consumers on a wild goose chase telling them they have to call a different number. I just got off the phone and this time they told me that the " new '' card I received today ( XXXX XXXX ) was sent to me on XXXX XXXX - 2 months in transit - I just can not swallow that. Citibank needs to be held accountable and when a consumer wishes to close an account, it should be easy to do so and completed in one call.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX XXXX XXXX with no successful resolution. Equifax and XXXX  only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.
Complaint sub-issue: Trouble with how payments are being handled

I have an open complaint against XXXX XXXX, reference # XXXX. 

However, I now have a new issue. Please see the relevant portion of the copied and pasted conversation I had with XXXX XXXX 's chat service today : " XXXX : I 'm writing to confirm that XXXX XXXX has recalculated my income correctly, and to ask what the monthly payment will be moving forward. 
XXXX : I am currently working on your request, sorry for the delay. 
XXXX : OK XXXX : Right now, your account is currently past due by 3 days for {$39.00}. We also report the status of your loans to the consumer reporting agencies each month. 
Your request for the Pay-As-You-Earn Repayment plan was approved. Your first monthly payment of {$39.00} on the new plan is due on XXXX XXXX, XXXX. The approval letter was sent to you on XXXX XXXX, XXXX, which can be found in your Paperless Inbox. 



To remain on this plan, you must recertify each year. A reminder will be sent to you a few months before your current annual period ends. 



XXXX : Yeah no ... I called over a month ago and was informed that that payment was incorrect. I submitted additional documentation of my income and was told that my monthly payments would increase to around {$350.00}. But in the meantime I needed to pay the {$39.00} payment in XXXX which I did, and that payment would count toward the Public Service Loan Forgiveness program. 
XXXX : I am currently working on your request, sorry for the delay. 
XXXX : I see no open tasks in relation to your current payment amount. If you would like us to review the amount you may submit for a Recalculation of your Income-Driven Repayment Plan. 
XXXX : Of course. ''
Complaint sub-issue: Threatened or suggested your credit would be damaged

They offered me a pay to delete. It was removed from XXXX but XXXX XXXX is still showing it and theyre saying it still shows when they pull up my report. I called XXXX and they said they couldnt see the debt at all. After providing some more information they saw it was deleted by IQ data. They didnt report it as pod of anything. Upon further research Ive found that pay to delete is a unethical method used by collection agencies that I was a victim too. Luckily I do have receipts of this to prove.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting an unverified incorrect erroneous bankruptcy on my credit report i have disputed the bankruptcy and they claimed to have verified it with LexisNexis why are you supplying your client in accurate unverified information i would like you to fix that since my report has no bankruptcy being reported on there
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax supplied an answer to a complaint to the CFPB on XX/XX/2020 stating that they removed 2 credit inquiries on my credit report. One for XXXX and one for XXXX XXXX. to today 's date and after several phone calls to Equifax after they said these were removed they continue to post these inquiries that do not belong to me. 

They also continue to report bankruptcy which should be removed as the others have and even XXXX has removed it from their database. 

Also once again they have a suffix at the end of my name and I have no suffix. I have no issues with any other credit reporting agency except equifax. 

DOES ANYONE HOLD THESE INCOMPETENT IDIOTS ACCOUNTABLE FOR XXXX  WITH PEOPLES LIVES????? THEY NEED THE XXXX SUED!!!
Complaint sub-issue: Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am trying to protect my credit file and update the correct information address and status. 
the following address are not mine and/or incorrect. Please delete/remove the following addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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, OH XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove/delete them : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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: Other problem getting your report or credit score

Unable to obtain my credit score for Equifax, nor file. I contacted XXXX XXXX to inform them of the issue and this issue hadnt been resolved. Its been about a couple months or close to year where Im not able to see any information which I do have credit.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on what I owe however, I have still not been provided with any itemization and/or any documentation as to what the additional {$5400.00} is for. This false reporting is harming my credit score.
Complaint sub-issue: Account terms

Please cross reference CFPB Case number : XXXX. The account with XXXX XXXX XXXX loan number XXXX was completely ignored in the previous CFPB case. This account should have been removed at the same time as the other accounts in the previous complaint. Equifax provided no response at all to this trade line in their response. All of the accounts in Case number : XXXX should have been removed as they all became past due at the same time. 
( Also, Equifax did not remove XXXX account XXXX as they said in their response to the last complaint. I had to call on XXXX/XXXX/15 and have it removed after talking to a customer service rep named XXXX. Confirmation number XXXX. )
Complaint sub-issue: Account status incorrect

Aut9mated accounts original creditors name 05 XXXX XXXX XXXX XX/XX/XXXX Amount : {$1700.00} Actions taken attempted to contact business multiple times for resolution this business has re located from original place of business and contact is not unavailable to reach. 
over 5years and 11 months this company still reports to my credit with no way to contact this company, for the request of removal from my credit report. 

XXXX  ( unsecured loan ) 15 month term Dates : XX/XX/XXXX- XX/XX/XXXX as shown on my credit report. Last payment was XX/XX/XXXX. as shown. This company states my balance was XXXX shown 30-59 days late. 
Then another balance also shown high balance {$1500.00}. 
This company states opened account XX/XX/XXXX ( 7 months ) In the account details it states shown times late 30/60/90 days shown 0 days. 
This account is being resolved through debt consolidation company representing me before any late dates accrued. I also have documentation proving this account had direct with drawl from my bank account to prevent late payments accruing, XXXX XXXX Open XX/XX/XXXX Amount is {$1100.00} with high balance shown as $ XXXX monthly payments {$110.00} this company is stating 60-89 days late. 
This is also involved with a debt consolidation company representing me before any negative activity was done with this company as well as payments and balance owed. 
This company is reporting to my credit as late when they are negotiating a settlement with the debt consolidation company. 
I have not defaulted to make payments prior before the consolidation was set in place this is incorrect info reported and is affecting my credit poorly as a resolution is in place.
Complaint sub-issue: Personal information incorrect

THE DATE OF BIRTH OF MY EQUIFAX CREDIT REPORT IS WRONG I HAVE ATTACHED MY I.D . SHOW THE RIGHT INFORMATION
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/27 I noticed a pending charge for XXXX that I did not authorize for {$110.00}. 
I contacted XXXX and they confirm that this was not a valid charge on my account but to contact PNC ( my bank ) to start a dispute. 

I contacted PNC on XXXX after the amount was posted on the account to dispute the charge. The reason was that I did not make this transaction and this was a fraud purchase. 

I spoke to several reps that informed me although this transaction was unauthorized, that they can not refund the amount charged. 

I am contacting the CFPB in order to step in as under good faith I decided to bank with PNC under their fraud protection. Yet when I need it at the moment, they can not provide the feature they are advertising.
Complaint sub-issue: Was not notified of investigation status or results

Hello I submitted multiple letters on some unauthorized inquiries on my report. I did my due diligence on everything and contacted the companies. Please find attached a FTC report I submitted for these unknown inquiries.
Complaint sub-issue: Problem with customer service

Firstmark, the servicer of my student loan, is showing my balance about {$5000.00} over what it should be. I have contacted them numerous times both via email and telephone regarding this. On the telephone I keep getting told that this will be corrected. Over email I keep being told they need 5 business days. The have arbitrarily and erroneously decided to add money to my balance and refuse to fix it. This is also a zero interest payment so when they do decide to stop breaking the law, they need to make sure that my payments have been applied properly. My credit score went down because of this added debt. This is absolutely ludicrous and I need this fixed.