Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXX Potentially negative Date XXXX XX/XX/2014 Balance - XXXX XXXX. 

FCRA violations : not my name XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX # XXXX XXXX, TX XXXX
Complaint sub-issue: Sued w/o proper notification of suit

I have a debt with citibank for an old XXXX card, my debt was sold to a company called XXXX. In XXXX of XXXX I recieved a letter informaining legal actions will be taken to receive money for the debt, however i could stop this if i call there legal office and set up an arrangement, which i did on XXXX/XXXX/XXXX and the first payment of XXXX dollars was made on XXXX/XXXX/XXXX and after that until XXXX/XXXX/XXXX monthly payments of XXXX dollars was made on the account. Now when i set up the arrangement last XXXX i informed the rep to leave notes that I would be laid off on XXXX/XXXX/XXXX, i was informed to contact the company when it close to that day and I did on XXXX/XXXX/XXXX. The manager who took the recored calla and I asked him to leave notes on my acct said he will have the last payment come out on XXXX/XXXX/XXXX and he stop all other automatic payments and he would send me new paper work and that i had to return with my termination letter. Now as of yesterday XXXX/XXXX/XXXX I received a credit monitoring notice information me i had a judgement on my record and it was found it was placed by XXXX with the county of XXXX in Virginia on XXXX XXXX XXXX ( while payment were being made on the acct ). I called the company and asked why this had taken place they said because I stop making payments and that I didnt return the paper wrk that was sent to me ( this is the paper work i have been waiting on ). It was later discovered that they sent said paper work to an old address of XXXX XXXX va and not the address that all my payment reciepts have been coming to of XXXX XXXX XXXX XXXX va.
Complaint sub-issue: Funds not received from closed account

I opened a Citibank Citigold checking account on XX/XX/XXXX and deposited XXXX in the account, all via XXXX in the following dates : XX/XX/XXXX, XXXX transferred from my XXXX XXXX XXXXXXXX checking account XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX A letter from Citibank dated XX/XX/XXXX, that the account is restricted from all activities and will be closed within 60 days. We tried to call and find out whats this about, was told fund was transferred from an account I do not own, which is not true. I offered to provide proof where I do own the accounts funds were transferred from, was told I can stop by a branch to submit that. We live in XXXX, the closest Citibank is close to XXXX miles away. we did later reach out to a branch in XXXX, offered to submit proof there when my wife would be there for a business trip, was told they do not take these documents and when the back office closes an account, there is no need to submit anything In short, we tried to call, requested supervisor callback multiple times, no call back, emailed a branch representative, was told issue was escalated, the account balance is XXXX, but no info on where our XXXX is or whats their plan returning it. 

Can we please get some help?
Complaint sub-issue: Their investigation did not fix an error on your report

I recently was disputing a collection on my Equifax credit report. When my credit report was updated to say an investigation was in progress, the date of the account was changed and my credit score immediately dropped 46 POINTS!! Why am I being penalized for trying to lawfully dispute something in my credit report? > In addition, the statute of limitations for reporting this collection on my credit report will expire in the next few months.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX Unknown : XXXX Unknown : XXXX Unknown : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I filed a previous dispute because all of my student loans with XXXX XXXX are paid off. They removed all but XXXX of the student loans. I have notified them and also the credit reporting agencies and XXXX XXXX still won't remove the balance and report the loan as paid.
Complaint sub-issue: Their investigation did not fix an error on your report

Lexis Nexis is reporting this bankruptcy on my credit report, and they have put in the Data Furnisher as being the US Bankruptcy Court Southern District of Florida which is false. I have a attached a letter from the US Bankruptcy Court Southern District of Florida verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring services nor do they verify and validate any information concerning bankruptcy. Lexis Nexis is falsely stating this information on my credit report and have yet to remove this from my credit report.
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 identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within XXXX business days of receipt.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have maintained excellent payment history and in good standing on all of my accounts. My credit scores across XXXX, XXXX and Equifax were in the XXXXXXXX XXXX when I applied for a new credit card in XX/XX/XXXX. I experienced a small drop in my score of XXXX points but my score quickly bounce back with regular payments. In XX/XX/XXXX, I suddenly experienced a XXXX drop in my Equifax credit score from XXXX to XXXX. I did not experience any such changes with XXXX or XXXX. I pulled my Equifax online credit report XX/XX/XXXX and there was no incorrect information to explain the change. I thought maybe the information might be delayed in reporting and I reran my credit report on XX/XX/XXXX. While my credit score did go up to XXXX, there was nothing on my credit report to dispute that would have caused the critical XXXX point drop. I reached out to Equifax by phone on XX/XX/XXXX to inquire as to why I had such a significant drop and they also could not explain the change. I was told that it is how their credit scoring worked and there was no way to dispute it unless I found incorrect data on my actual credit report. This is a critical issue because I dropped from a rating that is consider " very good '' to " poor. '' and this impacts my ability to obtain a loan with a good interest rate or even able to get a loan at all. Their answer for me to " continue with making my payments on time and monitor for any erroneous information '' does not explain what happened and there is no repercussions for erroneous reporting by Equifax. I did request to speak to a manager but they were not available. I also filed a formal complaint with Equifax to investigate but they were not able to give me a reference # for my complaint. I was simply told that it had been documented and they would send me a report of it. I am outrage that I am being held hostage to Equifax and they have no responsibility to the Consumer. Specifically that I learned back in XX/XX/XXXX, the company reported a " coding glitch '' that impacted the Consumer 's credit scores and there appears to have been no steps taken to correct this.
Complaint sub-issue: Account information incorrect

I recently sent at dispute letter to Equifax on XX/XX/XXXX in regards to a line of credit with a credit union. Upon reviewing my credit report, I realized that Equifax was reporting an incorrect " Last Activity '' date and not reporting a closed date for the account ( although showing that the account was closed ). In actuality, the account was paid off in XX/XX/XXXX. If the account was truly verified, as they've mentioned that they did previously, then an updated date of Last Activity would've been updated to reflect the true last activity date and a closed date. Equifax, instead of completing a requested investigation, only sent out a false dispute result.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I love my Citi Prestige card and always use it when traveling. My wife and I had a 2 week trip to Italy in XXXX, and we had huge security problems while staying at 1 specific hotel. I had originally booked 2 nights, but had to leave in the early morning after the first night. Security deposit box wasn't working, door wouldn't close ( physically close ) so we had to take turns sleeping and watching the door. It was an ordeal. This was reported several times to reception, but was never addressed and we had to leave asap next morning and find ( and pay at higher rates since it was at the last moment ) for another hotel. I submitted a dispute through Citi Bank for partial credit ( 1 night out of 2 ), since Hotel refused to refund us. Citi had our backs ( thank you Citi! ) and resolved the dispute in our favor. Again, for partial credit, not the whole amount since I'm not trying to scam anybody. However, I received a very confusing letter a few days ago asking for signature and to provide proof. I'm not sure what I'm supposed to sign or provide, if I had already provided my statement when I submitted my dispute and Citi already resolved the dispute in my favor permanently ( not temporarily ) and sent me a letter stating the matter was closed.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting an incorrect balance, and an incorrect past due balance on XXXX partial account number XXXX. This is a Fair Credit Reporting Act ( F.C.R.A. ) violation because it has not been updated since 2013 and F.C.R.A. mandates it be updated every 6 months. ( Please see page 13 of my credit report attached. ) In addition, we have filed dispute letters to Equifax and they have never corrected it. This account should be balance owed {$0.00}, past due {$0.00} and the status coded as XXXX instead of XXXX with a comment of paid or closed, XXXX balance.
Complaint sub-issue: Old information reappears or never goes away

To Whom it May Concern, I am writing to file a complaint against Equifax credit reporting agency for violating the Fair Credit Reporting Act ( FCRA ) by reporting outdated addresses on my credit report. The following XXXX addresses, as old as 18 years ago, are still being reported on my credit report in violation of the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to the FCRA, credit reporting agencies ( CRAs ) must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates '' ( 15 U.S.C. 1681e ( b ) ). This means that CRAs must have procedures in place to verify the accuracy of the information they receive from their sources and must investigate and correct any errors that are reported to them by consumers. Additionally, the FCRA requires that CRAs must " maintain strict procedures designed to prevent the reappearance in [ a consumer 's ] file of obsolete information which is blocked '' ( 15 U.S.C. 1681c ( a ) ( 5 ) ). After seven years, the information must be removed from the consumer 's credit report.

Furthermore, 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) of the FCRA specifically pertains to the responsibilities of CRAs in the event of a disputed credit report. If a consumer disputes the accuracy of the information in their credit report, the CRA must investigate the dispute within a reasonable period of time and if the investigation finds that the information is inaccurate, the CRA must promptly delete or correct the information.

I, therefore, request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Equifax for its violations of the FCRA. I respectfully request the CFPB to require an update of my report to reflect the accurate and verifiable address and request the deletion of any information relating to any outdated addresses being reported. I further request Equifax to facilitate a copy of any changes to my report pertaining to this complaint. 

Note : I have attached copies of both my old and new driver 's licenses to facilitate this complaint. 

Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account number XXXX Has violating my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file 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 ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were 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, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX  XXXX BALANCE : {$1100.00} ; XXXX  XXXX BALANCE : {$0.00} ; XXXX  XXXX BALANCE : {$0.00} ; XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$790.00} XXXX XXXX XXXX BALANCE : {$0.00} ; XXXX XXXX BALANCE : {$0.00} ; XXXX XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX BALANCE : {$320.00} ; XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX BALANCE : {$3700.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information is not mine

Asked to have inquires removed stated as fraud. Investigation performed stated I would need to call each company & deal with them directly.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time.
Complaint sub-issue: Attempted to collect wrong amount

I just caught this a minute ago, I would like to know exactly what this means : " The lender 's contract with this borrower obligates the borrower to pay the lender 's attorneys fees. Those fees continue to increase. '' This looks as if you are saying the attorney fees are increasing. How is that possible? Are you going to try to charge me for writing several responses for {$400.00} per hour or for two sentences? 

I'm not sure how this attorney could say " those fees continue to increase. '' I'm not understanding that. 

Please verify EXACTLY what you mean by this statement.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

i am a regular consumer with several regular credit cards, a postal address, etc. I purchased a prepaid mastercard from XXXX 's ( XXXX ) in XXXX. I put {$200.00} on the card. I wanted to make a discreet online purchase, so I wanted to pay using the prepaid card so that it wouldn't show up on my bank account for other family members to see. 

Only once I open the card packaging, it informs me that I have to register the card online ( at XXXX  ). fine! that's okay, as long as they don't send me anything to my address. I put the 16-digit number into the webpage and it says there's a problem. I try again. I try again. I call the customer number. I wait 30 minutes on hold. the customer services representative informs me that the number has been used in a fraud and the ONLY possible way they can remedy the situation is to SEND a physical card to my address. Obviously, that's not an okay solution for me. To be clear, I don't mind giving my address to the website, but I absolutely don't want anything sent to my physical address. I discuss options with the customer services person. I speak to a supervisor. Nothing. it's as if they have had this conversation a hundred times before. 

I give up. I fume for a few days at my lost {$200.00}. Then I go and buy another card ( this time for {$150.00}, I found a cheaper online test ). I purchase from a different XXXX store, and use XXXX rather than XXXX. guess what? SAME THING HAPPENS. 

I'm now {$350.00} out of pocket ( plus purchase fees ) with the feeling that the gift card company knows exactly what's happening and loves taking my money and not giving it back.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with DEPTEDNELNET. 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 XXXX, XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX, XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Old information reappears or never goes away

Incorrect information is showing on this account and continues to be reported to the credit bureau. This was a joint account that was resolved and should be removed/not reported anymore. Information being reported is different for each agency which is causing inaccurate information to be shown on my file. Please remove this inaccurate information as it is fraudulently being reported to the credit reporting agencies.
Complaint sub-issue: Account status incorrect

XXXX XXXX and XXXX XXXX, on Behalf of Themselves and All Others Similarly Situated, Plaintiffs, v. GREAT LAKES EDUCATIONAL LOAN SERVICES , INC., EQUIFAX INFORMATION SERVICES , LLC, TRANS UNION, LLC, EXPERIAN INFORMATION SOLUTIONS , INC. and VANTAGESCORE SOLUTIONS, LLC, Defendants. Case No. CLASS ACTION COMPLAINT ( I ) Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( II ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.14 ( b ) ( III ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.25 ( a ) ( IV ) Violations of the California Unfair Competition Law, Cal. Bus. & Prof. Code ************* ( The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by CRA XXXX use of an XXXX  credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President Donald Trump on XX/XX/2020. I will be a member of the class action above.
Complaint sub-issue: Was not notified of investigation status or results

Equifax is reporting an account on my credit report with no creditor listed. I've been sending letter after letter about this issue. How can I verify an account if I don't know who this account belongs to or where it came from. I have been sending letters since XXXX of last year to no avail.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a collection account XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with the credit reporting agency. The collection agency was unable to properly verify and validate this particular said debt. Even after requesting a re investigation as well as proof of how the credit reporting agency determined this debt to be verified, I was informed that there was no formal investigation and that they only required for the collection agency to enter a code elctronically to verify that this debt that I had no prior knowledge of was accurate. The collection was even removed from my credit file in XX/XX/XXXX and then re inserted without providing me the proper 5 day notice prior to. After calling the credit reporting agency, I was informed that the collection agency may have removed and re inserted the collection in error and that they were unable to remove the debt unless I provided them with a police report. As a result of this misinformation, it has caused me higher rates on my insurance, vehicle purchases, and is also making it hard for me to obtain a mortgage for me and my family.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.