Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Their investigation did not fix an error on your report

Theres fraudulent accounts thats reporting to my Equifax and XXXX XXXX credit reports. Ive contacted these credit bureaus by mail and by phone letting them know about These accounts and went through the proper procedure. I did everything they asked me to do and they refused to remove these items off of my credit report. Ive mailed them every thing they asked me for.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency XXXX not furnish an account with my written instructions.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute over 30 days ago and I have not heard anything concerning my investigation results.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX XXXX canceled my flight ( XXXX ) to XXXX, on XXXX XXXX on XXXX 's Day weekend ( CONFIRMATION # : XXXX ). I booked a package with XXXX XXXX ( flight & hotel ) for 2 nights. XXXX refunded me my flight tickets and only 1 night hotel stay! I'm out {$370.00} due to canceled flight. And Citi is the siding with XXXX.
Complaint sub-issue: Information belongs to someone else

Credit report from XXXX through XXXX XXXX shows a hard inquiry on XX/XX/2018, which I never did nor did I authorize other person to do. Creditor 's name is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. 

My credit score went down by 11/12 points. Please help as it's hard to dispute things using credit bureau 's websites.
Complaint sub-issue: Didn't receive notice of right to dispute

LJ Ross and associates flagged my account for collections and didnt ever disclose any information to me, they didnt validify the debt, and didnt even disclose where the debt is from or who it is even from. The only reason I know their name, is because they attempted to take negative action against my credit without calling, contacting, or confirming the debt with me verbally, or by documentation. in the past I have had debt collection amounts verified as not being owed because of billing errors or being incorrectly charged, etc. on numerous occasions.so the fact that they didnt even contact me or inform me that I can dispute it, and then reporting it on my credit report in an attempt to hurt my credit, is not only distasteful and unprofessional, but completely against acting as a fair debt collection agency.
Complaint sub-issue: Their investigation did not fix an error on your report

Im a victim of identity theft someone got hold of my XXXX credit card and used it, when I first noticed it I called the company right away and they canceled my account and sent me a new card. And they still wants me to pay for something I didnt use
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, Account XXXX XXXX # XXXX, Account XXXX AND XXXX # XXXX Account US DEPT OF EDUCATION # 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: Information belongs to someone else

Back in XX/XX/XXXX and XX/XX/XXXX I noticed inaccurate information on my account due to identity theft. I have been fighting with the 3 credit bureaus XX/XX/XXXX and Equifax to remove these accounts but they have to respond.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX, Account number XXXX XXXX Account number XXXX XXXX Account number 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: Credit inquiries on your report that you don't recognize

Last year I only had 3 inquiries. Now this past week I had over 32 inquiries reported to my credit report with two accounts that were deleted from credit report more than 2 years ago.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a CitiCard which has been now been compromised for the 2nd time in 28 months. I received a call on Monday saying they denied a charge in the XXXX for {$45.00} and asked if I'd made a purchase. I said I had not. They said they had to cancel the card and reissue a new one. I said they needed just to block it as we did two+ years ago. I just received a new card at the end of XXXX due to the expiration date. Today I received another call regarding a charge yesterday, also in the XXXX and it's for {$32.00} and some cents. Again they said it had been declined ( card was blocked on Monday ) and that they need to close the account. I informed them that the last time I allowed that many, many years ago, it showed on my credit bureau report for years as just another account which hurts a credit score. They deny that but I know I'm correct. This person, today, then informed me there were FIVE charges in XXXX on XX/XX/XXXX, each for {$45.00} and that I can't dispute these charges because the account has to be closed for that to happen - they can't access a blocked account to dispute charges. Funny that the charges made in XXXX of 2016 have the same scenario and those charges were disputed. Obviously CitiBank is wanting me to open a new card for some reason. The only legitimate charges I've made on this card are " XXXX online '' and " XXXX XXXX  '' online. The pin changes when a new card is issued so it's one of these companies or the company that prepared the replacement card. The only reason I didn't cancel CitiCard years ago is because it hurts a credit rating. XXXX XXXX XXXX (? ) credit card was closed months ago because XXXX XXXX went bankrupt and closed all the stores. If I close this one, it will show up without the explanation. I need help or I need to file a suit against Citi Bank. In 2016 I opened a XXXX Visa account so I could abstain from using Citi. I began to use it to prevent them from closing the account. I'm quite proud of having a credit score of over 800. As a matter of fact, Citi provided this to customers and I believe the last one was XXXX.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole  responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX Consumer Complaint Against A Business/Company | State of California - Department of Justice - Office of the Attorney General To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX 2., EQUIFAX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX. All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 3. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Account status incorrect

I had an eviction XX/XX/XXXX from my previous apartment. IRS garnishment prevented me to pay rent. I came into some money to pay off my debt, it was paid to XXXX XXXX and collection on XX/XX/XXXX for the amount of {$1400.00}. XXXX XXXX XXXX sent a paid off letter to all 3 credit bureaus. XXXX  and XXXX  has removed the debt from my report it no longer shows. However Equifax has stated that thy never received the request and as of today it still on this report as " unpaid ''. I sent Equifax a certified letter on XX/XX/XXXX and it was received on XX/XX/XXXX, but they said they never got it. Then as of XX/XX/XXXX I sent them a fax that contained, my ssn, dl 's, bank statement that confirms the payment to the collection agency, both copies of the letters the XXXX XXXX XXXX has sent to me, a written statement and the original copy of the certified receipt. I received a letter from them on XX/XX/XXXX stating that the dbt is unpaid and the current balance has went up. I need help
Complaint sub-issue: Information belongs to someone else

I have two accounts that are appearing on my credit report that are not mine I have been disputing this since XX/XX/2020 and I have not gotten anything back from the bureaus regarding this investigation. I have filed a FTC for this and mailed out multiple letters regarding this and I need it taken care of ASAP. 
Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX gave me a date of XX/XX/XXXX or XXXX of 2020 I believe. I was not aware of a credit card application that I didnt approve through BestBuy affiliation with CitiBank that opened up on my credit report on XXXX XXXX Im reporting a fraudulent issue, complaint, and would like it removed. I contacted BestBuy, Citibank and was told of no report through my full name & social that they did not see nor have one on file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following credit inquries listed below are fraudulent and as a result of identity theft. I have filled an identity theft report regarding these credit inquiries that I personally never initiated or approved. 
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 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: Information belongs to someone else

I AM INTRESTED IN DISPUTING ALL INCORRECT INFORMATION ON MY EQUIFAX CREDIT REPORT TO HELP CLEAR MY RECORDS.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted the creditors who placed these inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries. If once your investigation is complete you find my allegation to be true, please remove the unauthorized inquiries from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
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 USC 1681 Section 602 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 an 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: Their investigation did not fix an error on your report

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX
Complaint sub-issue: Account information incorrect

Hard inquiries done on the same day are showing up multiple times as hard inquiries and affecting my credit. 

There are XXXX  on XX/XX/2021 as they looked at car financing options. 
There are XXXX on XX/XX/2021 as they looked at car financing options. 

I was told that these should only be XXXX hard inquiry as they are XXXX days apart.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have disputed these items and submitted complaints over and over again for how many months already but Equifax Credit Bureau is not frightened to break Federal law thus they took to be slothful and abandoned my appeals. The accounts are not removed from my report. They have provided ZERO VERIFIABLE PROOF needed to justify the accounts but they are still reporting these items on my file which is causing so much emotional and physical stress on me. I'm still here shelling out money with no end in sight and no results to show. Also, I have talked to the furnishers and they agreed to delete the accounts from my file. PLEASE DELETE THEM NOW! 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Blessings to you. I am a victim of identity theft and this my 3rd time contacting you guys about fraudulent accounts being on my report that are not mine. This has been a struggle for me and my family because we are in the process of buying a home. My life has been turned upside down because of these accounts. This is an injustice for me as a consumer with your company. I need to be protected and safe. Instead I feel like you guys aren't taking care of the wrongs that these criminals have dealt me. I filed an FTC report in the beginning of the year and none of the accounts were removed that should have been. According to the FCRA 605B ( 15 USC1681 c-2 ) These accounts have to be removed within 4 days of receipt or it is a violation that can be brought to a jury for compensation. My information was stolen in a Data breach a coupe years back so that's how these criminals got my information in the first place. So the companies will try to validate them but they can't because my id was stolen. I now will need these accounts to be removed because the law is being violated. I am attaching proof of my identity, identity theft affidavit, FTC report, notarized letter.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to Equifax regarding a Public Record ( Bankruptcy ) on my credit report via certified mail on XX/XX/XXXX. The dispute is in reference to the following item : I am disputing the following item on my credit report. Specifically I asked Equifax to verify this information and show me how they had verified this information. 

Bankruptcy Date Filed : XX/XX/XXXX Case Number : XXXX Court Number/Name : Court Address : XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Liabilities : Individual/Joint : Individual Individual/Business : Individual Bankruptcy Disposition : K-DISMSD/CLSD CHXXXX Current Disposition Date : XX/XX/XXXX XXXX Amount : Equifax responded on XX/XX/XXXX claiming that they verified this item based on information from a 3rd party, XXXX. 

I contacted the court in question and they informed me that they do not respond to verification requests by credit bureaus or 3rd parties such as XXXX XXXX. Furthermore XXXX replied to be via mail on XX/XX/XXXX that they do not have any information related to me.
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 XXXX XXXX XXXXXXXX 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 is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX  XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX Bankruptcy chapter XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX : {$120.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX AV XXXX XXXX, VA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance XXXX {$14000.00} XXXX XXXXXX/XX/XXXX XXXX PLUS XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX3XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX F XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer XXXX the consumer identifies as information XXXX resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.