Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I canceled my  XXXX  cellular service in  XXXX   XXXX .  XXXX  in  XXXX   XXXX  sent me a bill that was not correct for my last month of service. I did not ignore the bill. I contacted  XXXX  and they confirmed that the bill was not correct. I have the online chat transcript from  XXXX  confirming their bill is incorrect, which I will attach to this complaint. Instead of correcting the bill  XXXX  sent it to bill collection company called  XXXX   XXXX   XXXX   XXXX . I became aware of this in  XXXX  of  XXXX . I initiated a dispute with all  XXXX  credit reporting companies and they deleted it from my report, including Equifax. I have attached the  XXXX   XXXX  dispute response from Equifax.  XXXX  then sent the bill to another collection agency  XXXX ,  XXXX  who placed it on at least  XXXX  credit reporting companies  XXXX   &  Equifax. I became aware of this in  XXXX  of  XXXX  and again disputed the action and  XXXX  deleted it from my credit file. However, Equifax has taken the position that the bill is accurate. They have done this based solely on the fact the  XXXX ,  XXXX  has reported back to them that they believe the bill is correct because the vendor  XXXX  now claims the bill is accurate. I have attached the correspondence from Equifax on the latest dispute. Equifax has done this even though I have provided them evidence from  XXXX  that the bill is not correct. I no longer know how to defend myself against Equifax and  XXXX ,  XXXX  who insist to ignore the evidence provided directly from the vendor  XXXX  that a incorrect bill is correct. This has been a tremendous amount of work. It has had a negative impact on my credit rating of  XXXX  points and is causing problems with my business activities. I respectfully request that you assist me in getting Equifax to properly report my credit.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I received a Citi Double Cash credit card with a {$1700.00} limit in XX/XX/XXXX. 

I kept it at that limit, but never missed a payment nor was never late with a payment. In XX/XX/XXXX, I made a {$500.00} payment and had a plan of action using the XXXX XXXX method to have the credit card paid off by years end with the goal being to pay off my debt and, in turn, bring up my credit score. 

Immediately after this {$500.00} payment, Citi Bank reduced my credit limit to {$1300.00}, compromising any potential gain in my credit score. When I called and asked to have the original credit limit reinstated on XX/XX/XXXX, both XXXX and XXXX of the Credit Line Management Department told me I signed off on this when I took the card, but I can submit a request to have the original credit limit reinstated. Reinstatement was denied. 

If I had been late with a payment or missed a payment or been a bad consumer in any way, I would let this go. However, I have been caring for two parents with XXXX, the second one recently dying. Im just now getting on my feet to pay off all debt from this juncture in life. I do the right thing in life on every front and a bank is the one that shoots me in the leg? 

Bottom line, I respectfully requested Citi Bank to reinstate my original credit limit, allowing my APPROPRIATE consumer action of paying off the debt and never being late with a payment or missing a payment to be correctly reflected on my credit score. 

However, after explaining the situation and requesting a reinstatement to help repair my credit score ( only low due to XXXX caregiving debt, no late payments ), Citi Bank replied with a no. 

I am now left with a reduced credit score instead of an increased credit score, simply because I tried to do the right thing.
Complaint sub-issue: Information belongs to someone else

XXXX did a hard pull on my credit without my authorization or knowledge on XX/XX/17.
Complaint sub-issue: Old information reappears or never goes away

I bought this truck in Florida in XXXX. I stopped making payments but the truck was never repossessed, i even left it at my old employers office for 2 years completely available to be picked up. I am still in possession of the truck but I do not use it. This is a XXXXXXXX XXXX it still shows that i owe {$25000.00}. i sent a dispute letter to Equifax asking them to remove it from my records per : California law, code of civil procedure 337. ( I moved back to California in XXXX. I don't care for the truck and don't find it to be worth what is owed. i got an email from Equifax saying the account was " updated '' email said nothing else.
Complaint sub-issue: Debt is not yours

I never had XXXX XXXX at the house I was living in I couldn't even get service for XXXX XXXX in the town I was living in during XXXX or XXXX. I dont know where this debt came from or who it belongs to its very damaging to my credit and I need it removed immediately. The derogatory remark on my credit report is stating that the account got sent to the collectors. I have never been notified about this bill and did not even have access to get XXXX XXXX in the town I was living in during the date issued on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

A account was opened using my info fraudulent and the creditor refuse to remove the account from my credit file I provided a police report and ftc report
Complaint sub-issue: Investigation took more than 30 days

I have an incorrect account reporting to my XXXX  and Equifax credit report. I have tried to resolve this with both XXXX  and Equifax with no response from either companies within 30 days. I have provided proof of delivery below.
Complaint sub-issue: Not disclosed as an attempt to collect

It was on XX/XX/2009 I take a student loan to go back to school the school closed by the board education .this my responsible to pay the loan. In my request as many times explain to Depted Nelnet to help me resolved his situation. And keep going up in credit reporting. 
Please wanted help.
Complaint sub-issue: Attempted to collect wrong amount

In XX/XX/2017, I purchased a vehicle from FLAGSHIP CREDIT ACCEPTANCE, I was being XXXX a month later so I returned the Vehicle to dealership two weeks after purchasing. My deposit of {$3000.00} was never reimbursed and the car was sold to another consumer for {$19000.00}. They reported the account as charged off for the amount of {$4800.00}, but they are still the account holder for the past four years. All my communications and disputes has bore no result. This has been hurting my credit for the past three years and they refuse from removing it.
Complaint sub-issue: Old information reappears or never goes away

I had some hard inquiries on my credit. Some of them were not warranted and I disputed to equifax to remove them. After that happened around XXXX XXXX, I checked and saw my XXXX report only showed 1 credit inquiry instead of 4. Previously before the dispute I had 4 on each report. Because of this, I though everything was cleared up. Then I checked my Equifax recently and noticed that there were still 4 inquiries on my report for Equifax but XXXX is still cleared up with just one.

I'm confused as to why it would clear up my XXXX report but not my Equifax report when Equifax  was the one I disputed with anyways?
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Investigation took more than 30 days

I accidently gave out personal information to some 1 in XXXX and PNC had to close my account 4 fraud. I tried closing my account back on XX/XX/2020 and they wouldn't let me. I've gone into PNC a few more times since and now they are telling me that i have to wait 90 days for me filing disputes.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different  companies, including those I have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.
Complaint sub-issue: Can't close your account

XX/XX/2019 - An account fraudulently opened by someone who used my identity with Bank of the West. 
XXXX - XXXX - Several communications between me and the bank of the west branch as well as customer support center to clarify that I did not open an account. 
- Bank of the West team telling me they are unable to close this account. 
- Now I am getting repeated notification from the back indicating they are deducting charges for maintenance and paper statement of the account from the balance that was fraudulently used to create the account.
Complaint sub-issue: Account status incorrect

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account 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 an account without my written instructions.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Public record information inaccurate

When applying for automobile insurance my insurance company requested a report from Lexis Nexis Risk Solutions. The report indicates that I had an at fault automobile accident on XXXX XXXX. I was involve in a rear end accident but was the first car at a stop light when a third vehicle struck the vehicle behind me. The police report, which I downloaded, correctly has the other vehicle clearly coded as " at fault ''. 

Lexis Nexis ' erroneous report has affected my insurance rating. I have made several attempts to contact them with no response.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( DISCOVERBANK XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

There are items on my report that are not mine. I have disputed this information with the companys and the credit bureau and the information still remains. I would like it removed immediately.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/ I opened a Citibank checking+savings accounts thanks to the promotion Citi was running at that time. Specifically, {$700.00} bonus for opening an Account Package andmaintaining $ XXXX balance for 60days. I'm attaching the terms of the offer I enrolled in below. Shortly after I met all the requirements of this offer andwas waiting forthe {$700.00} bonus to post, Citibank closed my accounts without any explanation, citing only " business reasons ''. I was very confusedbecause except for the initial deposit of {$50000.00} there was no activity on my accounts at all. My multiple attempts to resolve the issue with Citibank customer service were unsuccessful.I understand that Citibank can refuse to do business with anyone, but in my case the bank obviously benefited from holding my deposit of $ XXXX without paying interest and then refusing to pay the promotional bonus as was advertised. I believeclosing accounts right after all the requirements of an offer are met and refusing to pay is an unfair and deceptive practice.
Complaint sub-issue: Not given enough info to verify debt

I do n't believe it 's my debt
Complaint sub-issue: Account information incorrect

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accurate to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2019, I ordered my annual credit report by phone. This was after one year since my last year Equifax credit report was received, which was also not sent upon request through the annual credit report request process.

Equifax has now for years refused to send my annual credit report and the only reason I have received any of them from Equifax is because of my ongoing annual complaints filed with the CFPB.

I am once again this year requesting the CFPB to assist me in receiving my free annual credit report from Equifax.
Complaint sub-issue: Didn't receive enough information to verify debt

I have written several disputes to XXXXhe Bureaus Inc, and have received no response at all. The yare reporting to my credit. This is a violation of the FCRA, they are not allowed to report to the credit bureaus without first letting me know. They have also not responded to any letters I've sent them, another violation of the FDCPA. They have failed miserably in their duty and must remove this erroneous account immediately!
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXXXXXX XXXX Balance Owed : {$15000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX  XXXX Balance Owed : {$460.00}
Complaint sub-issue: Account status incorrect

I have paid in full the amount owed to XXXX but they report the account charged off closed also they have an limit of {$3500.00} it was never more than {$39.00} dollars I paid it and they responded by saying they got the payment but contact the person they sold it too
Complaint sub-issue: Attempted to collect wrong amount

Contacted I.Q. Data International , INC in response to a letter I received in the mail on XX/XX/XXXX, spoke with a rep named XXXX and asked for a detailed statement of account. 
She stated that I owed XXXX and that I moved XX/XX/XXXX which is completely incorrect I moved XX/XX/XXXX and I only owed 1 month and thats XX/XX/XXXX. I would like to have this matter settled immediately. Please assist me
Complaint sub-issue: Information is not mine

The collection files are third party accounts that are from Fraudulent creditors ( XXXX # XXXX & XXXX ). The account was removed for fraud in XX/XX/2014 I do n't know how the accounts was resubmitted to my report. The accounts should be deleted immediately.
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 a account without my written instructions XXXX XXXX XXXX, Amount : $ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX AMount : {$63.00} XXXXXXXX XXXX XXXX Amount : {$140.00} XXXXXXXX XXXX XXXXXXXX Amount : {$180.00} XXXXXXXX XXXX XXXXXXXX Amount : {$400.00} XXXXXXXX XXXX XXXXXXXX Amount : {$280.00} XXXXXXXX XXXX XXXXXXXX Amount : {$170.00} XXXX XXXX XXXXXXXX Amount : {$230.00} XXXXXXXX XXXX XXXXXXXX AMount : {$120.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$70.00} Date : XX/XX/2XXXX XXXX XXXXXXXX Amount : {$280.00} XXXX XXXX XXXXXXXX Amount : {$270.00} XX/XX/XXXX XXXX XXXX Amount : {$320.00} XX/XX/2022
Complaint sub-issue: Account status incorrect

Macys account opened XX/XX/XXXX closed unpaid with balance of {$1300.00} and charged off as of XX/XX/XXXX. One Late payment submitted XX/XX/XXXX. And additional late payments being reported there after starting from XX/XX/XXXX to current date. 3 credit disputes through credit bureau 's and through Macy 's directly. Account over statute of limitations to make payments and I 'm pressured to make voluntary payments for account to be accurate. How am I late on an account that has been charged off? XXXX XXXX card had been paid with XXXX balance since XX/XX/XXXX and i am being reported late since XX/XX/XXXX how am I late on an account that is closed and paid?
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

* XXXX was notified of maturing PNC heloc note on or about XX/XX/XXXX. I was unaware that the note was a 15 year vs 30 years. 
* I also received a Refi notice/option by mail from PNC a couple of days prior to the loan maturing email. 
* I contacted PNC Refi on XX/XX/XXXX, specifically noting the need to Refi the expiring loan. I provided the Refi CSR the maturing loan number that matured on XX/XX/XXXX. 
* Apparently no one from the Refi Dept alerted the Loan Dept of the ongoing application for refi, as I found that no payment was taken by auto draft on XX/XX/XXXX as expected. 
* I called the Loan Dept on XX/XX/XXXX and provided them with the information/CSRs involved in the refi, and requested how to handle the loan payments until the refi closed. 
* CSR noted I should make my " regular '' payment amount until the loan closed, and took my payment over the phone. 
* That was apparently not the exact protocol. These incorrect instruction provided by the CSR on XX/XX/XXXX have led to a complete fiasco ( as is my ongoing refi ), and subsequently caused PNC to report " late payments '', although all payment been made thru XX/XX/XXXX as instructed by a PNC representative. 
* Attached documents explain in detail
Complaint sub-issue: Was not notified of investigation status or results

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENT THAT IS NOT TRUE AND 2 ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.
Complaint sub-issue: Debt was paid

Audit systems inc contacted me claiming they were debt collectors and used the name of a medical company I actually get supplies from. They said they were the second collection agency to receive my account. They wanted my credit card number to pay the debt. However, I did not owe anyone anything. They called me on XX/XX/XXXX, and I finally answered after receiving many more phone calls. They were very rude. I did verify my name and provided my address. Then, I realized there was no way I owed any money to a debt collector, as I always pay bills on time. Once I refused to cooperate further, they were very rude.
Complaint sub-issue: Account opened as a result of fraud

Received a Square Business Debit Card ( Cash app ) issued by XXXX XXXX  in my name and sent to my home address. This was fraudulently opened as I did not apply for this card, nor do I have a business account with XXXX XXXX or Square ( Cash APP ) nor do I have a business for that matter. I opened the envelope on XX/XX/22. On XX/XX/22 I attempted to contact XXXXXXXX XXXX. I was unable to find a phone number that is answered by a live person, nor was there an option to be transferred to a live person unless I had an account with them. I was unable to find a working number for their XXXX Department. I was able to find a number for Square ( Cash App ) support. I called left a message and and was called back. Spoke with an individual at a call center who after several attempts to make him understand that I wanted to report a fraudulently opened account sent me an email with a series of questions regarding the account which I answered via email. He gave me a case number and said it would be referred to their XXXX Department. He refused to provide a number for their XXXX Department, tell me when the account was opened or what information they used to authenticate who ever opened the account. 
We requested that information in writing. In addition he refused let me speak with a XXXX. He had no idea when I would be contacted. 
Today is XX/XX/22 I have received no communication from XXXX XXXX/Sqaure ( Cash APP ) verifying that this card has in fact been cancelled and acknowledging that this was not opened by me.