Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

Citi restricted and then closed my checking account. will not refund or give me my money back. Citi will not communicate or respond. they sent me a letter from there fraud prevention dept. with a contact number, stating that my call to that number would clear up the matter. when calling said number, they say someone will contact me within 24 to 48 hours. Iv made five such calls and no response. when I call that number now Citi says they closed the account and its under investigation. and if I can prove the money is mine I may get my money back. Citi removed my money from my account 2 weeks ago and still have not contacted me for what ever info they feel they need from me to clear up the situation. other than a letter asking me to contact them. which I have now tried five times with only a response from Citi saying someone will be in contact with me in 24 to 48 hours but they never do,
Complaint sub-issue: Reporting company used your report improperly

My account information was compromised and I 've been enrolled in their identity theft protection program without my consent. They also took over a month to make me aware that my information had been compromised. Meanwhile, their executives have been selling off stock in the company before making their announcement. This is in regards to Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

I was robbed of my purse and now I have these inquires where someone is trying to get credit and different things in my name. I did not do this & have no idea who this thief is.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX called XXXX XXXX  and asked why they are reporting an incorrect balance. They agreed with me and told me they would fix it. XXXX and Equifax keep sending me back as of XXXX that the balance on the mortgage balance history is correct but it is still reading {$250000.00} instead of {>= $1,000,000} that I provided proof of and the bank confirmed with me.
Complaint sub-issue: Company closed your account

I have had my discover credit card since XXXX of 2015. I used the card a lot and carried a balance most of the time. Last year I received a bonus at work, and paid off the credit card in XXXX to increase my utilization ratio, that will be good for my credit score. And low and behold, my credit score got higher by quite a lot. I have not used the card since I paid it off. I traveled to my home country ( XXXX XXXX ) as a family member got very sick with covid and I left on short notice. Ive been away for 4 months. I get back, and without any notice - I receive an email from Discover bank 2 days ago close to midnight, that my account has been closed due to inactivity. Ive been a member for nearly 7 years and never had one late payment. I called them and they were so unhelpful. Even the supervisor. Rude in-fact and just wouldnt even try to help. This will hurt my credit report tremendously as this will decrease my overall credit utilization ratio.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I sent my first letter requesting verification of inaccurate accounts on my credit profie to XXXX, XXXX, EQUIFAX. 

I then sent a following up later on XX/XX/2022 requesting an investion into these items. To date i have not recieved a response. I also informed all 3 parties that I will be filing a complaint regarding these matters. Based on not recving the results on the investigation requested each bureau is failing to comply with the with the regulations regarding my request
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Complaint sub-issue: Other problem

I signed up to receive my security deposit back by direct deposit on my discover credit card. The money was processed to be sent back on XX/XX/21 I was told by multiple agents I would receive it within 3 business days at most. Then after the 3 business days they told me it would be sent by check and they didnt know why and that it would take 7 business maximum. It has now been over 7 business days and I reached out and they are now giving me the run around and have given me no concrete answers.
Complaint sub-issue: Debt is not yours

In response to the collection placed against my credit profile. The information documented on behalf of this collection is incorrect, inaccurate and insufficient. I have no recollection of this debt owed and has been placed on my credit file and in my name. 

I understand that collection companies are generally not excited about deleting a collection account. However, I have been informed that according to FCRA ( Federal Credit Reporting Act ) no creditor is required ever to report a debt, nor are they required to continue to report it for any set amount of time, reporting to the bureaus is purely elective on the creditors part. I would simply like for Collection Company to have this one account removed immediately from my credit reports ASAP to ensure my credit profile will reflect accurate and correct information. 

I understand you all are extremely busy so I appreciate your assistance in this urgent matter. 


Respectfully, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

MY IDENTITY WAS STOLEN and I submitted several complaints to the CFPB on behalf of Equifax. I mailed in my FTC reports that included fraudulent accounts. Equifax is still reporting the fraudulent accounts and I need them removed immediately because it is hurting my chances on getting a home and this is all because of accounts that do not belong to me. I never had any contracts with the Department of Education. I submitted the FTC reports to Equifax several times and they are failing to comply and remove the fraudulent accounts. I submitted two FTC reports and they only processed one report. I called in and was told to send in the other report by a representative. I mailed the documents in and the tracking number is XXXX via certified mail with the XXXX. The document arrived on XX/XX/2022 and Equifax has 4 days to block and remove the fraudulent accounts and they haven't yet. Please remove these accounts immediately
Complaint sub-issue: Old information reappears or never goes away

A collection account under the name  XXXX   XXXX   XXXX  was listed on my credit report in the amount of {$640.00}. I had no knowledge of this account and it was disputed to   XXXX   and Equifax on    XXXX   XXXX    It was removed by both  XXXX  and Equifax. It reappeared under another collection agency name  XXXX  in   XXXX   XXXX    . I was never notified by either  XXXX  or Equifax in writing this was being placed back in my credit report. I redisputed the items again with both companies and it was removed for a  XXXX  time on  XXXX   XXXX . I looked at my credit report today and found that for the  XXXX  time on  XXXX   XXXX  this same collection account was added back to my report under the collector name  XXXX   XXXX . Once again I was never notified in writing after this was deleted that it was going to be added back into my credit file. I have no knowledge of this account and it is illegally being placed back into my file months after it was disputed and removed without my knowledge. As the consumer I should not have to keep filing disputes for this unknown account that was removed over a year and a half ago.
Complaint sub-issue: Investigation took more than 30 days

Acima continues to furnish information on credit file. Company fail to comply to FCRA Guidelines. Account paid, company stated entire tradeline will be remove once satisfied. Company continues furnish information.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX 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 items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX 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 XXXXXX/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: Their investigation did not fix an error on your report

XXXX, Equifax, and XXXX are reporting late payments for account XXXX XXXX XXXX XXXX. I was never late on this account, and the information is inconsistent between the 3 credit bureaus. They were notified twice to validate that this account is reporting accurately on my credit report, but they have failed to do so. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. I have tried to have this information corrected for over 2 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. My credit report also has a statement confirming that they've opened the dispute, but I have received nothing to validate this late payment in which I know I was never late. Saying that it was verified by the creditor is unacceptable. This is my credit ; my livelihood and I have the right to see sufficient documentation proving this to be accurate. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account.
Complaint sub-issue: Account information incorrect

I have requested for nel net and dept of education to change the balances on the loans I have a XXXX discharge. The company promise to remove the balances to XXXX. The lender are not requesting for the loans that I have that are transferred/closed account. 
They are still sitting on my credit report appearing as double loans. They have the same account numbers, I really would like for the lenders to remove the closed loan accounts.
Complaint sub-issue: Report improperly shared by CRC

The Credit Bureaus were reporting a bankruptcy, but the courts do not verify a bankruptcy, the courts told me they do not verify that information. Therefore, that information was pulled out from a third-party reporting agency, therefore I demanded it must be all deleted because the court say they do not verify. And I would appreciate once its deleted I want proof that 's it 's been deleted. Thank you and god bless.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXXBalance $ XXXX Opened : XX/XX/2019 2019
Complaint sub-issue: Didn't receive enough information to verify debt

Open up claim XXXX Apparently Rodenburg still has failed to provide all communications between me and XXXX XXXX XXXX. and has selectively selected a few correspondences of which I did not see enclosed to them only. I have repeatedly requested information and questions to be answered from XXXX XXXX XXXX who failed to response to those and failed to forward over to Rodenbury of which I have requested all communications and identification of legal entity due to risk of fraud. Please forward copies of those communications which explains the situation. XXXX XXXX XXXX needs to take ownership of their billing tactics in rejecting patients or harassing them upon entrance upon appointments.
Complaint sub-issue: Problem with customer service

I have an AES loan. It was on hold w the pandemic. I have reached out ove rthe last year to see when I would need to start repaying and I can not get an answer. I am abroad, their website is blocked here. When I email the company, they email me back through the website and I can't access their response. I have tried to call but the wait times are so long I literally have run out of {$50.00} credit on just wait times about four times. I filed with the XXXX  but they couldnt help me. I need the company to actually talk to me and let me know when I need to make payments and how to adjust them based on my income. This is crazy how difficult they make this.
Complaint sub-issue: Old information reappears or never goes away

On  XX/XX/2017    I contacted  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , AND  XXXX   XXXX    XXXX    XXXX  in order to remove hard inquiries that was placed on my credit report by these companies and no one could help me as they do not know what the process is in order to remove them. I disputed them online through Equifax and was told that I needed to contact the creditors directly but they was of no help at all. I need these  XXXX  hard inquiries removed from my credit report. Equifax told me that they could not personally remove these inquiries and each of the creditors told me that they could not remove these inquiries and that Equifax has to do it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX, has violate my rights. 
15 USC 1681 section602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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: Reporting company used your report improperly

In accordance with the Fair Credit Act XXXX  XXXX XXXX  Acct # 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: Attempted to collect wrong amount

I received a credit monitoring alert on XX/XX/XXXX saying a new collections account from XXXX XXXX XXXX with a balance of {$2600.00} was added to my credit report. I had no knowledge of who they were and never received any notices, so contacted them immediately by email through their company website demanding verification of the debt, and disputed the reporting with TransUnion. The next day I received an email with a letter saying an old debt from XXXX had been assigned to Lake City Credit, an affiliate of theirs, showing they charged me interest in the amount of {$1100.00} with a computer print out of a debt from XXXX allegedly received from XXXX. I continued to demand a copy of the actual contract but never received it in spite of repeated requests ( see attached copies of email exchanges XXXX. TransUnion removed the account after the 2nd dispute but they continue to misrepresent their reporting to Equifax, and have doubled the amount they allege I owe to {$3000.00} as of XX/XX/XXXX. Ive done everything I can to get them to stop to no avail, and they refuse to provide me with a copy of the original contract or other proof allowing them to charge such ridiculous interest on the debt they claim I owe. They continue to illegally charge interest retroactively from XXXX years ago on a debt from they didnt acquire until XX/XX/XXXX, thereby increasing the reported amount to more than double what they claim I owe! They also failed to accurately report the original date of the debt, as well as their third-party debt buyer status, although they continue to report an interest increase in the balance each month. THIS COMPANY IS ILLEGALLY AFFECTING CONSUMER CREDIT REPORTS BY INTENTIONALLY REPORTING INCORRECT AMOUNTS & INFORMATION! THEY SHOULD BE SUED AS THEIR ACTIONS HAVE NEGATIVELY IMPACTED MY CREDIT REPORTS FOR ALMOST 2 YEARS!!!
Complaint sub-issue: Was not notified of investigation status or results

I applied for a mortgage several weeks ago to find Equifax blocked my consumer file from lenders deleting my student loan and refusal to report credit items being reported by newly opened accounts through XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 



I submitted a dispute regarding the deletion of my student loan in the amount of {$1900.00} from my Equifax file XX/XX/XXXX. Contacted Equifax they stated I must submit request to Creditor. XXXX was contacted via phone and in writing. Result of XXXX investigation showed account was deleted by Equifax and to contact them in writing along with letter provided with results of their findings. Equifax claim creditor can not contact them to have account re-opened without my authorization. 

I've made several request to Equifax requesting XXXXt account to be reinstated over the last 12 months upon notice. Equifax denies all my request to reinstate account rather over the phone or in writing requesting that I send in my identification, social security card, and proof of residency over and over again. 

As of today XX/XX/XXXX Equifax state their is nothing they can do to report my student loan opened XXXX.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Date : XX/XX/2018 Open : XX/XX/2018 Amount : {$13000.00} XXXX XXXX  put us in collection with XXXX XXXX XXXX XXXX trying to claim that I and my spouse own them {$13000.00} which we're not because we move out before the eviction date which was the 3 days notice they told us on the paper and stick it on our door but we didn't go to court and and court already said that its dismissed but they still want to claim us which we believe its a lie saying XXXX now when we went to the apartment to make sure now they told us to pay XXXX something now as you can see the property trying to tell two different story here and trying to collect the past rent but with the law for Washington state saying that on XXXX also saying if you move out before the expiration date they gave you they should not lay hand on your money no matter if you own them past due rent ... so now my lawyer is trying to see because he told me he don't see any eviction for XXXX XXXX in XXXX WA so now its getting cold and we live in our car because of this.. So please disputed this from all of the three credit from mind and also my spouse credit thanks and may god bless us all thanks for reading this.. 
if you want me to email the paper court please send me your best email and a phone number so i can send you all the document you need. 
and your name thanks
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2020 and XX/XX/2020, I have sent in information to Equifax to update my account information due to a whole name change ( legal  document to prove it ) and provided my social security card, drivers license, birth certificate, and legal name change decree with Equifax via fax to get my personal information updated. They unknowingly placed a block on my account and now I have no access to my credit score and they keep saying they have not received any faxed info from me for the personal information updates. I only found out about the block when I was trying to buy a car over a week ago. My XXXX and experience accounts are working just fine. Equifax continues to not help get my personal information updated.
Complaint sub-issue: Information belongs to someone else

I was recently made aware of fraudulent information being reported on my credit report. After receiving a copy of my credit report i regretfully discovered that my information has been exposed in several recent data breaches that occurred over the last year, and my information is being used to fraudulently obtain accounts and services.
Complaint sub-issue: Account status incorrect

The accounts COUNTY OF XXXX XXXX, XXXX XXXX  XXXX, were not a past due, I am paying it faithfully..I take care of my bills and pay these creditors on time.. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the late payments from my report immediately
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries listed below are fraudulent and I did not authorize them also attached is identity theft report. 

Equifax Fraudulent Inquiry XXXX XXXX XX/XX/2020
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX Date of Inquiry XX/XX/
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and I saw that my credit score is very low. I have no idea about these accounts I believe someone used my personal information. Im shocked because you put this negative information on my account.
Complaint sub-issue: Debt was result of identity theft

after checking my credit report i am a victim of XXXX and XXXX  XXXX data breach someone applied for credit in my name using my ssn and dob. in doing so they were able to obtain unauthorized accounts in my name. here are a list of the fraudulent accounts : XXXX XXXX XXXX : XXXX - XXXX : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX : XXXX -XXXX : XXXX - XXXX XXXX : XXXX XXXX - XXXX -XXXX  XXXX XXXX XXXX -addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX, il XXXX - XXXX XXXX XXXX XXXX XXXX XXXX il XXXX - XXXX XXXX XXXX XXXX XXXX, il XXXX
Complaint sub-issue: Problem getting your free annual credit report

I request a credit report from a different bureau every 4 months. I was unable to receive one from Equifax. On XX/XX/2021 I sent a letter to XXXX XXXX at the address listed on your " contact us '' web page explaining this issue. This letter was returned as undeliverable. The Post Office confirmed to me in person that this address does not exist. Please view attached documents for detail.