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

The company i am speaking on today is Equifax. Below is a list of credit inquires that I have no clue about, i have reached out to customer service and they were no help at all. I have no idea how else to go about this issue. One of the other credit companies had an issue where inquires were gone then they came back. Not sure if this was the same issue or not. Below are the inquires.

Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX   Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXX   XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX
Complaint sub-issue: Overdrafts and overdraft fees

Money hungry bank. People affected by covid and they still hit people with fees. Made a deposit through my phone since we had a XXXX family in our home and couldnt get out. Made a check deposit to cover what was coming out and still charged me a fee. Covid is not even over and been told many times they arent helping covid families.
Complaint sub-issue: Investigation took more than 30 days

I recently reached out to this creditor with concern that the alleged debt was incorrect/ not mine. They have not responded within the 30 day period that is allotted by the Fair Credit Reporting Act with sufficient proof such as a signed application or a signed agreement proving that i am responsible for the alleged debt. As outlined within Section 623 of the Fair Credit Reporting Act, the duty of the furnisher is to promptly modify or delete the information, or block its reporting. Please remove the account Not only is the account inaccurate, the alleged debt is listed more than once, violating my rights.
Complaint sub-issue: Information is not mine

I received a copy of my credit report and notice that an account ( collection ) was added on my credit report causing my Equifax credit report to drop drastically. I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I 've researched this company and have never heard of them nor have I ever received any type of documentation from this company. I am furious at this point.
Complaint sub-issue: Problem with customer service

I have contacted FedLoan Services several times over the last 2 years regarding employment verification with no response of how many qualifying payments I have. With Payments restarting in XXXX and the announcement that loans will be transferred to other companies, and I have received no correspondence on any sort of update in this. I sit on hold for hours with not even being able to be connected to someone.
Complaint sub-issue: Fee problem

I discovered on XXXX.19 that my Citibank checking account had been closed. Not only had the account been closed, but Citibank had been applying a $ XXXX monthly maintenance fee for the last 9 MONTHS on my free checking account. I called Citi the same day & asked for a refund of these fees as it is a free checking account and identified as such on Citis website ( I have screenshots to prove this ). However, the Citibank rep was adamant it was not a free checking account and that a courtesy waiver had been previously applied and had expired, hence the last 9 months of fees. This account has been open for years, has never had monthly maintenance fees, and I was never provided notification of a courtesy waiver placement, the fact that it was temporary, or the fact that it had expired. To claim that an account is not a free checking account when Citis website explicitly calls it that is disingenuous and unacceptable. Citi claimed they notified me by mail, but the letter they referenced only states at some point your account was placed in another banking package and that fees may have been incorrectly charged and could be refunded, not that they would start applying fees!! To suggest that a letter informing me I may be entitled to remediation was instead supposed to serve as notification that Citi would start charging fees makes no sense and is unreasonable. Citi did not provide any documentation as evidence that I was notified of these fees, agreed to these fees, or that my free checking account would now be accruing monthly maintenance fees.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX 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  - 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 Account name : XXXX XXXX XXXX  - account number : XXXX Account name XXXX XXXX  - account number : XXXX XXXX accounts have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item for information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Public record information inaccurate

My state tax lien is being reported on my equifax & XXXX credit reports. The reporting does not abide by the XXXX lien reporting rules, there is an incomplete social security number and no date of birth.
Complaint sub-issue: Information is missing that should be on the report

To Whom It May Concern, I have 2 accounts I am an authorized user on because I am helping a family member get there grocery 's and and stuff due to what's going on in the world. For some reason It has not be updated but I will send you a screen shot of my family member 's cards that I am on both. I have spoken to both credit card companies which have admitted they sent to XXXX, equifax and XXXX. For whatever reason they are not coming up on my credit report and i need this all updated as soon as possible as there customer service reps at XXXX and XXXX XXXX told me. Under the fair credit reporting act I believe I am within my rights and I just want my information all accurate. Thank you for understanding.
Complaint sub-issue: Can't close your account

President - i opened a citibank checking and savings accounts they closed both. i still get account alerts to email address XXXX. they said they cant stop them. by law. pta do this now. signed president of the usa XXXX XXXX XX/XX/2022 XXXX est.
Complaint sub-issue: Was not notified of investigation status or results

I sent a dispute with the reporting agencies in regards to inaccurate and unverifiable information reporting on my credit reports. I never received any notifications regarding to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The original response was sent on XX/XX/XXXX and the 30 day Letter To Comply was sent on XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter disputing 2 accounts as erroneous on XXXX and mailed them certified, return receipt requested. I received notice the dispute letter was received on XXXX. It is now XXXX and I have not received a response from Equifax or receive anything that I requested to verify these accounts. If they can not verify the information within the 30 day time period they must block and remove the items in dispute.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 a account without my written instructions
Complaint sub-issue: Account terms

Equifax is erroneously reporting inaccurate information regarding my real estate loan with CitiMortgage. My account is open, with a balance, and is in good standing. However, Equifax reports that it has a zero balance, inaccurate payment history and is not in good standing. XXXX and I have repeatedly sent Equifax documentation ( attached ) to provide them with correct information but they continue to report incorrectly. Equifax continues to report erroneous information on my account regarding this account. 

Attached : Equifax reinvestigation confirmation XXXX dated XXXX XXXX, XXXX ; My letter to Equifax dated XXXX XXXX, XXXX, XXXX of the letters that XXXX sent Equifax dated XXXX XXXX, XXXX.
Complaint sub-issue: Problem using a debit or ATM card

I will try to be as brief as possible. We had a debit card issued through Square Banking. Our information was stolen ( we believe ) by a staff member at a restaurant and a fraudulent card was created and used to drain and overdraw our account. We did not lose the debit card. We have been working with Square since XX/XX/XXXX to resolve the issue and it seems they are not doing anything to assist in getting all of our money back. We have received a portion ; however, there is still approximately $ XXXX {$2000.00} outstanding. The feedback we receive is blaming the merchant ( XXXX XXXX ) on not resolving it. We are very frustrated and need help with this please.I have spoken to many representatives with Square since XX/XX/XXXX and I am always told the same thing... they will escalate to their claims department. We filed a police report ; however, the criminals have not been caught. Any help would be appreciated. 
Thank you,
Complaint sub-issue: Information belongs to someone else

I'm XXXX XXXX, and I'm sending you today this CFPB complaint to let you and the credit reporting agencies know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The following is a list of the accounts and objects that do not belong to me or that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$92.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2020 I tried to transfer my funds from PNC bank to my new XXXX XXXX  account. XXXX uses XXXX to link bank accounts, but PNC blocked the transfer, even after multiple attempts.
Complaint sub-issue: Information belongs to someone else

This is becoming VERY annoying at this point. I have issued fraud alerts, filed police reports, called ove r 25 tim es ( check the records ) and yet and still someone is not only using my information but applying for the same things over and over. Im at work as I type and received an alert from a credit protection company that I was just denied a loan that I clearly did n't apply for. Ive asked ov er 20 tim es for these inquiries to be removed. I did not authorize any of them and im ready to take legal action at this point. Please remove the following accounts with month and dates :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    .    I will not continue to send letters and call and talk to the RUDE reps who are of no help. My next step will be legal action.
Complaint sub-issue: Their investigation did not fix an error on your report

Citibank CBNA is reporting an incorrect balance on an account that they report as : XX/XX/2014 Charged off as bad debt Canceled by credit grantor I believe that this was a Citibank XXXX credit card account. 

The reporting lists an amount past due of {$14000.00} on XX/XX/2014, but lists a balance of {$18000.00}. They report the credit limit as {$17000.00} in the same report. 

I believe that the balance due is incorrect in the subsequent monthly reporting since XX/XX/2014. 

Additionally, in XX/XX/2014 Citibank CBNA was notified by XXXX XXXX XXXX XXXX XXXX that they were representing me. I continue to receive harassing phone calls regarding this account.
Complaint sub-issue: Can't use card to make purchases

For the past 2 weeks I have been unable to use my Citibank Double rewards credit card. They only have 1 verification method and sadly other creditors have 3 or more ways achieveing verification. I have spoken 2 3 XXXX customer service reps including their fraud department. They have taken my account and blocked access for a 2week or longer investigation.

The dumb part is i can access the account via my mobile phone and citi app. However theres nothing that their customer service or fraud department " claims to be doing ''. It is gwtting to a point that im going to cut the card in half and need a credit card with american speaking customer reps that can tell a difference between fraud and a person purchasing breakfast and the prior charges in the account are from the same retailer..Ive been kind but if this doesnt resolve soon. I will rescind further payments and see if i can sue for the account mistakes. I was repeatedly asked by citibank reps if i had a checkings account with them and i dont, and never did. I only had a credit card and dont understand citibanks major malfunction ...
Complaint sub-issue: Trouble with how payments are handled

In have a question : My student loan was purchsed by American Education Services recently. They sent me a statement showing XXXX due. I mailed a payment of {$100.00} which should have been applied to the principle, but they applied it to interest. When I called about it, they stated that payments go to interest first. That is fine, when there is a balance due, but there was no balance due when I mailed the payment. Please advise. 
XXXX : XXXX University XXXX XXXX, CA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX ran a credit check without my permission. On XX/XX/18 a sales rep named " XXXX '' approached me and offered me cable and internet through XXXX XXXX XXXX. I told him that I was interested as long as they were not going to check my credit. He assured me that they only needed my social security number to make sure that I didn't owe XXXX XXXX XXXX any money. I gave him my information and scbeduled an installation date. The next day I received an alert by email telling me that XXXX XXXX XXXX ran a hard inquire on my credit. I tried contacting XXXX XXXX XXXX and even Equifax, but no one wants to help me. I would like the inquire removed and to have my points back. I would also like you to know how they do their business. They go door to door offering cable and internet and give false information such as promising no credit check.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent a dispute to Equifax requesting a reinvestigation AND Method of Verification about the following account Fair Collection & Outsourcing dated ( Account Number XXXX ; Opened XXXX, XXXX ; Balance {$960.00} ). Equifax just sent me automated reply without providing proof of " Method of Verification ''. I have requested Equifax method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).
Complaint sub-issue: Didn't receive terms that were advertised

CK ( Credit Karma ) is adverting a sweepstakes ( ). According to the Sweepstakes Rules ( https : //www.creditkarma.com/lp/50ksweepstakesrules/ ) 1 ) you can not have an existing ( " CURRENT OR PREVIOUS CREDIT KARMA SAVINGS ACCOUNT HOLDERS ARE NOT ELIGIBLE. '' ) CK Savings Account and be eligible and you must 2 ) open it IN/USING CK Tax ( " ( iii ) using the Credit Karma Tax   product to open a Credit Karma Savings bank account '' ). I can not find any place IN CK tax to open a CK Savings Account. I have contacted CK 's XXXX Team, used the Chat feature in CK Tax and contracted CK support multiple times inquiring how to open a CK Savings Account USING CK Tax - they have only sent me information about CK Savings Account and instructions/links to instructions on how to open a CK Savings Account NOT USING CK Tax product ( via the general CK website/dashboard - not in the tax product ).

CK is advertising a sweepstakes to get people to open CK Savings Accounts. I do not see a way ( believe there is a way ) to open a CK Savings Account as per the written terms and conditions of the sweepstakes ( using the CK Tax product ). CK Support is unable or unwilling to state that the terms are incorrect ( e.g. that the account should be opened outside CK Tax ) - which is unacceptable for a financial services provider - OR provide instructions on how to meet the terms and conditions of the sweepstakes ( open a CK Savings Account USING CK Tax product ).
Complaint sub-issue: Was not notified of investigation status or results

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I did'nt pay and was marked late because this clearly a billing error. 

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). 

Damaging my character and Ive tried numerous of times to get the matters escalated and resolved with them directly. 
Im XXXX and XXXX after dealing with inaccurate information on my credit reports. This is defamation of my character and detrimental to my health. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( s ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report. 
Your corporations have caused me to be judged and lose out on opportunities which created actual damages to my life. I demand you to correct this to paid as agreed or risk being under litigation in federal court
Complaint sub-issue: Account information incorrect

As of XX/XX/2022, I no longer have any student loan accounts with FedLoan Servicing. The balance should be reporting as -0- on my credit report. Their information is as follows : FEDLOAN SERVICING XXXX XXXXXXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The total of all loans was {$140000.00} but should now be reporting -0-. They are reporting my loans incorrectly and this is hurting my credit score. Please investigate and remove from my credit report as soon as possible.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 XXXX. 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 transunion 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. XXXX XXXX. 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Their investigation did not fix an error on your report

I previously called and requested an investigation from MACYS due to a fraud transaction made in my account. I reported these fraudulent transactions and they are well aware that someone from another country was placing online orders and having stuff delivered to different addresses in different states. 

I called MACYS about this and requested an investigation. I know that while the transactions are being investigated due to fraud no late payment should be reporting in my account while this is being investigated. The problem is when the bill is generated MACYS still charges me on fraudulent transactions plus bank fees. I am not liable for these fraudulent transactions and so I will not be responsible for late-payments and interest charges. The worst-case scenario is that this is negatively affecting my credit score. The late payments  reported from XX/XX/2018, XX/XX/2018, and XX/XX/2018 should be removed from my credit report. 

Account I am disputing : DSNB MACYS - XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Personal information incorrect

Been trying to get them to change my last name from maiden to married and they have refused to change it all they did was put my legal name down as one I used and still reporting, calling me by maiden. I want to have my info be reported correct and addressed proper.