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

The following information listed on my XXXX  and Equifax credit report is inaccurate, incorrect and not my information : Employer : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, I never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX, the following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX  XXXX/XXXX, XX/XX/XXXX
Complaint sub-issue: Debt is not yours

On XX/XX/2018 I discovered HUNTER WARFIELD INC # XXXX had been re-inserted onto my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately as you are in violation of FRCA regulation.
Complaint sub-issue: No notice of investigation status/result

On XXXX/XXXX/2015 I filed a proper dispute on an unknown medical account with Equifax. On XXXX/XXXX/2015 I received a response to my dispute stating that they have researched and verified the collection account with XXXX XXXX. I then contacted the XXXX XXXX with a dispute and request for validation on this unknown medical account as per instructions from Equifax, re-disputed to Equifax with a copy of my dispute/validation letter to the collection agency, along with proof of the agency 's receipt of the dispute, which they received on XXXX/XXXX/2015. On XXXX/XXXX/2015 Equifax responded with an improper/incomplete dispute verification and have not delivered any proof to me as requested. I have not received any validation from XXXX XXXX. Equifax 's refusal to properly investigate the dispute is a violation of the FCRA and FACTA. Equifax has also failed to denote this account as in dispute. Equifax is the only credit reporting agency that is erroneously reporting this unknown account on my reports.
Complaint sub-issue: Information is not mine

XXXX XXXX XXXX should not be allowed to be on my credit report. They have changed their story so many times and Equifax should know this because they purposely reported a false address and Equifax let them change it knowing full well I have told them the account is fradulent. I am also including the last statement XXXX XXXX XXXX sent me showing an account balance of {$0.00} and XXXX XXXX XXXX has also claimed that they filed a XXXX for the account meaning they have canceled the debt and illegally made me claim it as misc income. In the case XXXX XXXX held in Tennessee, a judge has said that if a company files a XXXX on someone then they are in fact giving up their rights to collect on the debt since a person is being charged taxes on the amount. XXXX XXXX XXXX is another thing that should not be showing on my credit report, not only did Equifax claim it was not on my report, this account is also fradulent. By XXXX own representative 's statement, XXXX was in control of the account the entire time and that is why their representative does not have a record of the settlement on file. The representative also claims that the settlement agreement was done with XXXX and per the settlement agreement, that I have sent Equifax multiple times, this debt can not be collected on, no matter if XXXX thinks it is mine or not. Lastly, XXXX XXXX is also a fradulent account. I do not have any bills or documentation but I will send a picture of my wedding ring, the only jewelry I own and send it to the bank and ask them if that is the jewelry, if not then they need to be removed from my report. With all this information I have presented you and sent Equifax a certified letter, if they keep backing the illegal activities of these banks then I will name Equifax in my lawsuit as soon as the 30 day window is up. Equifax is required by law to block any false information or fradulent accounts and they have refused to do so. I know I will have no issue wining and Equifax will be held accountable.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX  Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX {$5000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$1000.00} Amounts paid to XXXX XXXX ( XXXX XXXX ) for investing. XXXX claimed to be a broker trading on the stock market, trading stocks, commodities, currencies, and indices. They claimed to be based in XXXX. They are not, and were never registered brokers in XXXX or the U.S. where I reside. This is required to be able to provide this service. The platform used for " trading '' was nothing more than a video game not connected to the market in any way, shape, or form. I have submitted all documentation to Citi, but they have denied my dispute saying " they provided trading ''. They sent me a letter saying " this is the last we will say about this ''. They were not submitting my dispute to XXXX, because of other reasons that I am not disputing.
Complaint sub-issue: Account information incorrect

Equifax is reporting a charged off account ending in XXXX
Complaint sub-issue: Reporting company used your report improperly

upon checking report i noticed fraudulent account and also inquires. the account is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Account status incorrect

Nelnet falsely reporting negative or past due accounts to my credit. Lowering my credit score via multiple loans although one conglomerate
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

There is two separate yet similar issues I am having with a company. On XX/XX/ I finally received a email along with a " temporary credit '' regarding one of the disputes I had filed on XX/XX/. After waiting over the 45 days and I'm still waiting for the resolution I receive what they are calling a temporary credit however it states in the email that if the investigation takes more than 45 days the temporary credit becomes permanent even though the dates clearly show in the email it's long beyond the time allowed therefore this should have automatically been a permanent credit. Also I received a separate email stating that a transaction that I didn't even dispute was denied due to the merchant already refunded the money. I responded with that not being a transaction I disputed I received a generalized email that had the case number for reference that was for the disputed XXXX transaction in the amount of XXXX not the one they were claiming. I don't know how that could even happen but I reached out to the customer service and like always got absolutely no where. It's now going on 60 days and I still haven't received or heard anything about the XXXX XXXX transaction in the amount of XXXX  that the case number was/is XXXX. According to the terms and conditions of the company a provisional credit is to be given on the 10th business day if it was going to take up to the 45 days for a resolution and if it's past the 45 days it's no longer a temporary credit it is to be permanent. I haven't received anything concerning this case mentioned above and I have called and chatted numerous times and told there was no updates I need to continue to wait. I have financial obligations that has been supposed to be paid but I haven't been able to because the money I had was fraudulently taken from my account and I haven't received no credit for the above mentioned case and its going on 60 days now.
Complaint sub-issue: Account information incorrect

I pulled my credit report and noticed an account that should not be there as it is information that is supposed to be excluded in a credit report, pursuant to 15 USC 1681a ( 2 ) ( B ) which states : ( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device So XXXX XXXX of XXXX has violated this law as they did not disclose this information to me and US Bank ( the lien holder ) is equally culpable for participating in this experience so I demand the deletion of this account from all consumer reporting agencies.
Complaint sub-issue: Information belongs to someone else

I have been disputing the following unauthorized inquiries to be removed from my credit report for the last 3 months and the bureaus have not responded to any of my letters. Listed are the inquiries that was unauthorized and needs to be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Banking errors

Citi advertised an offer to open a new savings account and received a {$450.00} bonus for depositing {$50000.00} in new funds. I opened an account using the advertised link on XX/XX/XXXX, deposited {$50000.00}, and waited for the amount of time specified in the promotion terms. My account should have been credited the {$450.00} bonus in XX/XX/XXXX, but was not. 

I called Citi support and the representative agreed that I had met the terms of the agreement, and should have received the bonus. They opened a case for me and said that the {$450.00} bonus would be credited to my account within 5 days ( Citi ref number XXXX ). That was more than 2 weeks ago, and I have not heard from Citi nor have I received the promotional bonus. 

Timeline Account opened : XX/XX/XXXX ( acct number : XXXX ) Account balance on XX/XX/XXXX ( XXXX day after opening ) : {$50000.00} Account balance on XX/XX/XXXX ( 60 days later ) : {$50000.00} Account balance today, XX/XX/XXXX : {$50000.00} These actions met all terms of the promotion, and should have resulted in a {$450.00} bonus credited to my account within 30 days - by XX/XX/XXXX. This has not happened, and I have contacted Citi to resolve this issue without success ( Citi ref number XXXX ). 

Below is a copy of the email I received confirming my enrollment in the offer, and a copy of all offer terms : https : XXXX? XXXX https : XXXX
Complaint sub-issue: Debt was paid

I previously leased merchandise through Why Not Lease It via our local XXXX store. When the store announced they were permanently closing, I went into the store and paid off the remainder of my lease in XXXX. It wasnt until XXXX when I discovered there was a balance owed placed in my credit report. I reached out to the original creditor, Tempo 09 LLC to no resolve. They told me I needed to send them receipts as proof. Why would I still have receipts years later?! This account was then sold to XXXX XXXX XXXX. Ive previously reached out to them as well with no resolve. I have disputed this charge multiple times yet it is still showing as bad debt on XXXX and XXXX  ( was removed from XXXX in XXXX ). Ive paid this debt already!
Complaint sub-issue: Information belongs to someone else

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name Please delete those accounts, its fraud
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2016 There Was A Bankruptcy Filed And The Credit Bureaus Accumulated This Information Shortly After. I Have Had This Bankruptcy On My Credit Profile For 6 Years And Since Then I Have Been Denied For Almost Everything I Have Applied For Since Then. My Living Situation Has Changed Drastically Because Of This Bankruptcy On My Credit, And It Is Prohibiting Me From Moving Forward In Life Successfully. This Is Fraudulent And The Credit Bureaus Have Committed Several Violations According To The Fair Credit Reporting Act. I Myself Called The Bankruptcy Court And They Stated They Do Not Report Bankruptcy Information To The Credit Bureaus. I Have Never Given The Credit Bureaus My Written Consent To Furnish Any Of My Information Including Personal Or Credit Information On The Credit Profile That Has Been Created For Me. 
In Accordance With The Fair Credit Reporting Act, The List Below Has Violated My Protected Consumer Rights To Privacy And Confidentiality Under 15 USC 1681.

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 1681 ( a ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Complaint sub-issue: Account information incorrect

I've been making regular payments to XXXX XXXX for quite some time, yet they continue to report my account as delinquent. They keep reporting me late, even though I am not.
Complaint sub-issue: Information belongs to someone else

These are not my accounts nor are the addresses on file listed are mine Please remove them.
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXXand XX/XX/XXXX but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXX dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I advise the representative that my account was discharged in bankruptcy back in XXXX and the balance shouldve never been assigned to them. XXXX XXXX  was discharged in my BK. The balance was from XXXX. I disputed the information on 3 bureaus, they refused to remove the information. I advised again this balance was included in my bankruptcy. The representative dismissed my request for them to contact my attorney.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

1 : On XXXX XX/XX/XXXX I signed a contract with XXXX XXXX through The Home Depot to replace my Air Conditioner for {$4700.00} with 2 years no interest. 
But on XX/XX/XXXX the home depot consumer credit card charged me all at once instead of spreading on 24 months. [ Refer to A-4 ] Then my bank account bounced costing me :  Several hundreds of dollars in NSF charges, cashiers check and lost wedge from work. [ Table part 2, attachment B ] Then I filed complaint to XXXX on XX/XX/XXXX ; The Home Depot must refund me the money I lost and take responsibility for any future financial charges associated with this case. 
And case closed without any agreement on XX/XX/XXXX. [ Downloaded complaint ] The Home Depot refer the problem to Citibank and the Citibank answered the auto pay system caused it. So, they blame me ( their victim instead ) not to have fixed the problem. Despite my contact with their customer services at least twice to address my concern and sought help. 
As I investigated later ; I found out the same thing happened in XXXX promotional purchase of a refrigerator for {$1300.00}. 
I was continuously charged deferred interest for more than 3 months after full payment. [ C-1 to 6 ] 2 : The agreement with XXXX XXXX through The Home Depot and the letter from The Citibank specifies no interest if paid within 24 months. 
But why should I have to pay, the so called deferred interest? [ Table, B1, C1 ] I found this a lie and deception. 
Why didnt The Home Depot Credit Card personnel mention earlier or help me, as I contacted them at least twice to express my concerns ; after I saw the posted balance notice [ A-1 ; onXX/XX/XXXX & XX/XX/XXXX ; A-4 to 6 ]. 
What they later said the autopayment has caused that, and blaming me? 
3 : My checking account bounced costing me money, time and daily life routine disruption.

4 : The Home Depot and Its consumer credit card handler The Citibank of South Dakota. 
5 : Customer Service PersonneXXXX ; XXXX in XXXX KS store, XXXX XXXX XXXX from XXXX XXXX XXXX.
Complaint sub-issue: Problem with rewards from credit card

I had a Citibank Credit card that they allowed multiple fraud transactions to go through in another state ranging from 40-70 each. Citibank failed to notify me and I only learned of their lack of security when I was declined. I called Citibank and was only them informed by them about fraud purchases. I went over with the rep most recent purchases and I disputed all fraud purchases all in another state that Citibank allowed while they declined me. I was told disputes would be started and they would close account and that a new card would be issued. Before I received and even activated the second card Citibank allowed more transactions on new cc. When I asked how this was possible I was told the new cc number was probably a recycled number more like inside job and lack of security. I still wasnt refunded my money and Citibank was giving me problems. I spent over and hour on the phone with multiple reps disputing the fraud charges repeatedly. Ive made 20-30 calls just to get through often times being hung up on, talked over, transferred to close departments or just flat out lied to. Citibank preys on their phone customers not having access to local branches by giving them the run around. After Citibank allowed purchases on a card I had yet to activate I told them I didnt want them to send me a third card, they lacked security and its too difficult to get a resolution or a knowledgeable person on the phone. After some time and more calls My credit account showed fraud charges were reversed but my total balance due never went down. How is that possible? Citibank manipulates the online posts to account. You can go in one day and it shows total different from the next, I have screen shots to prove this.

Also Citibank did not honor the credit card agreement and give me my rewards due based on my spending which usually equals at least a 50 statement credit. 
They also negatively impacted my credit report since all these problems began. Now my credit card has the highest interest rate possible and an amount that was never adjusted. I also successfully contacted the CEO XXXX XXXX via email regarding my credit card and checking account and received an email response from the Executive office saying someone would contact me but like Citibanks response to CFPB that was a lie.not only did I not get a response but when I called no one would help me and told one one person could help me and they werent available and would contact me, another lie. I only received phone calls after complaint to other agencies. It was 3 consecutive phone calls one day with no voicemail. Then they knocking send letters that include lies.
Complaint sub-issue: Trouble with how payments are being handled

Ive been paying on my school loan for a year now of XXXX $ a month a company called XXXX XXXX saying they transfer federal loans to there company an set up a auto payments so I did an I looked at my credit report today it says everything is outstanding with payments but no money is getting deducted so I callled the name an number at the bottom of the school loan report on credit karma an it was MOHELA and they said they have my information but I havent payed anything so now I feel like Ive being paying all these XXXX of dollars to a scam company.. I have screenshots of my credit report too
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i got a copy of my credit report and there are inquiries i do not recognize, XXXX and XXXX XXXX on XX/XX/2020 credit plus on XX/XX/2020 and XXXX XXXX XXXX on XX/XX/2020