Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

Equifax has placed my account with their Consumer Affairs Dept. which have declined me the ability to view their credit file on me in real-time via any and all credit monitoring service, including their own website.This has proven detrimental to my ability to damper or eliminate any fraudulent use or activity with my credit file.I am only able to view a copy of my file with them when I'm able to phone the Consumer Affairs Dept directly and this usually requires being directed to several depts. going thru a redundant amount of security questions again and again which averages 20mins or more each call. Once I can speak to someone they are very restricted to what they can tell me and always say that I will have to wait until they mail me out a copy of my file.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 I submitted a written letter to the following XXXX XXXX XXXX XXXX asking them to stop reporting the Bankruptcy listed on my credit report. 
I received a letter from XXXX XXXX XXXX that stated they do not release any information related to my bankruptcy. 
I then requested that XXXX, Equifax, and XXXX reframe from listing the information on my credit report. No response and they failed to remove it. 
On XX/XX/2022 I submitted a CFPB complaint requesting that this be removed and no response please remove the listed the bankruptcy on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a negative reporting against my account by XXXX. All three credit bureaus placed a statement that the amount is disputed by the consumer by have not removed it from my credit report. XXXX will not discuss the inaccurate information claiming that the account is with an outside agency, XXXX. XXXX now states that are no longer handling the account. The credit bureau investigation is really not unfair. The bureaus simply ask the creditor if the information is correct then continue to report the information. A consumer who faces so much financial hardship due to damaged credit should not have to go through hoops to correct an error on her credit report. It is unfair.
Complaint sub-issue: Reporting company used your report improperly

Creditors/ Accounts : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX OF XXXX ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER : XXXX in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Complaint sub-issue: Can't close your account

I applied for a Citicard, they denied it because I refused to give them certain further information and now they are sending me credit are statements and wont let me close the account even though I have tried 5 times.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX This account has never been late ...

grave errorsfalse claims and reportingI want the late payments on this account removed immediately or litigatio

n may follow Please validate this information and provide me with copies of any documentation and names of verifiers associated with this account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX   or any means of automated verification.
Complaint sub-issue: Account information incorrect

I had been making payments for over a year using the same bank account. I logged in one day to find my bank account had been taken off right before a payment was due and I could not make the payment. I was in the hospital with XXXX XXXX issues with this to add to my XXXX I could not readd the bank account to pay. Emails went unanswered. is 2022 and my emails still haven't Here it is now 2022 and my emails still hasn't been answered. I now have a late payment on my account and credit report.
Complaint sub-issue: Problem during payment process

We received a letter from a collection agency saying we could settle our credit card balance for a lesser amount. I received the notice on XX/XX/2020. It said they had to receive payment by XX/XX/2020 or the offer was void. I tried to call but was put on hold for over an hour and had to leave. I mailed a check on XX/XX/2020. It went through our account a few weeks later. Then, I received another bill from the credit card company showing the amount we paid as just a payment. I wrote on the bill what had happened and asked them to fix it. We never heard from either company but kept receiving bills. I called the credit card company. They said I had to fix it with the collection agency. I called them and was told they received the payment too late. This is unfair because their letter making the offer was dated on XX/XX/2020 with a deadline to receive payment by XX/XX/2020. Accounting for mail, it should have been longer. Also, we did attempt to pay by phone first without luck and then mailed the payment before the deadline. We don't control the mail service or when it would have been received.
Complaint sub-issue: Reporting company used your report improperly

XXXX. XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts are on my credit report and they need to be removed.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you that 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 https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted off my consumer report. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer ; XXXX XXXX Enhanced Recovery Co L, XXXX. XXXX, XXXX, XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Debt is not yours

I visited a XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX FL two years ago. As a result, I had XXXX XXXX  XXXX to be exact so I paid out of pocket which means you have to pay upfront. debit card To be exact! long story short I received 4 XXXX XXXX that was not done correctly which ended up needing a XXXX XXXX XXXX on one of them due to the XXXX not being properly XXXX. as a result, it was a horrible story I contacted the XXXX a week later telling them about the pain I was experiencing even after them telling me lies stating the filling just need to be filed down or given a few weeks which turned into months. I wasted over 200 dollars dealing with XXXX XXXX XXXX. So after telling them of my dissatisfaction and to refund me for the terrible service they decides to not refund me or credit me and years later place the balance on my account as unpaid with some credit debt collection called XXXX XXXX XXXX on XX/XX/XXXX and it appeared on my credit report on XX/XX/XXXX to all 3 credit bureaus because I decided to dispute the transaction off of my debit card years before now all of a sudden I owe them wow so fraudulent. If i wanted to be evil I could've filed a lawsuit against XXXX XXXX for providing me with unprofessional XXXX work causing me XXXX   and pain. This XXXX place is a fraud. It has terrible reviews, they're doing terrible work and not resolving the issue and placing the fraudulent bill on people credit. I have contacted them before and I will contact them again and let them know of this issue.
Complaint sub-issue: Debt was result of identity theft

The account I C SYSTEM XXXX with Balance {$190.00} is reporting fraudulently on my Credit Report. I was a victim of Identity Theft and I never received any benefits resulting from the theft of my identity. I believe this account is the result of such crime since I never remember signing any documentation that ties me with company. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. I need this account to stop theri fraudulent reporting.
Complaint sub-issue: Card was charged for something you did not purchase with the card

A company by the name of XXXX charged my card {$96.00} on XX/XX/XXXX. I notified cashapp about the charge went back and forth for about a month. So.I changed cards, I notified them to let them know that I could see each where this company is still trying to take money from the new card. They told me don't worry. On XX/XX/XXXX the same company took {$65.00} off my card.Now, I don't normally keep money on this card, but somehow this company keeps trying my card. I tried to look the company up, and Ive gotten no information.
Complaint sub-issue: Debt was paid

I paid this debt years ago. XXXX XXXX  has spent the last year trying to collect it again. Ive sent them the debt release as proof multiple times and they refuse it. They have now marked me as no contact and filed a lawsuit.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX, who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on XXXX  XXXX XXXX  XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX  )
Complaint sub-issue: Debt is not mine

My contract with XXXX was completed and I did not want to renew my service with them because of the rate increase. I sent the equipment back. Later I was charge {$250.00}. because I did not renew with them, I spoke with this company on numerous occasions to have this error corrected, but was not able to get this resolved. I filed a complaint with FTC about this issue and the numerous different collection agencies that keep reporting it to the credit reporting agencies. It will be removed when I file the compliant then another debt collection agency will file in the credit system. This is an on going cycle and I am requesting to have debt error removed permanently from my credit. As a responsible consumer I feel this a bulling tactic from this organization ( XXXX XXXX XXXX ) when they can not get their way.
Complaint sub-issue: Other problem

In Regards to XX/XX/2021 Response to Complaint # XXXX XXXX XXXX from Executive Office of Customer Advocacy is a fabricator. Recognize that he dodged the parts I mentioned about how all phone calls are monitored and recorded. He did not address that and would not provide the CFPB or me with all the phone calls that took place starting the Tuesday before XXXX up until a month ago. That is because it would work against everything XXXX XXXX stated. Not sure where he's getting the initial amounts of {$1600.00} and {$2300.00}. There were two ACH payment requests put into the system on XX/XX/XXXX and XXXX -- one for {$680.00} and the other for {$610.00}. The agent on the XXXX requested the second amount in addition to the first because the agent from the XXXX requested the wrong amount. And instead of having two ACH payment requests, she cancelled out the first and just put in one request for {$1300.00}. The two amounts of over {$300.00} that I later received in the form of checks had nothing to do with that amount. They were for other credits that had been applied to my account after the fact. His response to your agency will be used in my supporting documentation in my lawsuit against them. The judge will order them to present all the phone calls, which will prove and confirm XXXX XXXX is a liar ... 

Again -- No need for Company to respond.
Complaint sub-issue: Information is not mine

Please be advised that XXXX of the negative accounts listed with all of the credit reporting companies does not belong to me. I am requesting to remove the incorrect negative account from all XXXX credit reporting companies. Thank you. 
Creditor Name : XXXX
Complaint sub-issue: Account information incorrect

I have called the company and made disputes and the information remains unchanged. My credit is set at over 101 % on my credit report and the information is false. My balance in up to date and has been. They reported the balance on XX/XX/2021 and the balance is incorrect. I have been disputing for a month and calling the company and I have received no help.
Complaint sub-issue: Debt was paid

They have been calling me for over a year using threatening language to take legal action on a debt from XX/XX/XXXX- which exceeds the statue of limitation for collection in the state of Ohio . I also have proof that this was settled in XX/XX/XXXX and sent it over twice to their office. They will not stop calling.
Complaint sub-issue: Problem getting report or credit score

Equifax has blocked my credit score and are not reporting it to third party despite the fact that I have given them authorization. This is causing me to pay an additional 0.25 % on my mortgage. When I called them they were unable to explain why there was freeze on my score and said they need bunch of documents and 48 hours to lift the freeze. All this is going to cost me a lot in terms of APR on my mortgage.
Complaint sub-issue: Information belongs to someone else

There is another person with the same name and birthday in another state, her info has been showing up on my credit report for over ten years. Well I had fraudulent charges on a citi bank credit card, and filed a report with them, closed the account. From what citi bank tells me, they sent out a new card with a new account number but it ended up at her home. In IL, I live in CT. Because I can not confirm my own info since her info is now on the account, they wont dispute it. Ive tried over and over online, I have also called them, alert all threw credit reports and Ive gotten nowhere. Ive learned this woman has the same name and birthday and possible a similar Ssn.
Complaint sub-issue: Debt is not yours

I am interested in deleting all inaccuracies on my credit report with Equifax.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I am cosigned on a loan with my son- he is making a {$75.00} a week payment/ {$300.00} a month - this loan should be paid ahead of the payment is only {$230.00} a month leaving a surplus of {$65.00} per month. 

XXXX they called and stated that they haven't received payment since XX/XX/XXXX- I got on my sons account and there is consistent {$75.00} weekly being sent. This was a lie. 

XXXX called the number on my way to work was connected with a XXXX   person that was not very cooperative- she stated that they are receiving payments I tried to get her to explain to me how this could be behind if the payment monthly is {$230.00} and there is a weekly payment of {$75.00} which is {$300.00} per month this loan should be paid ahead since XX/XX/XXXX of this year- she tried to push me off the call I waited to speak to a Team Lead and asked the same questions- since there is obviously research and misapplied payments that need to happen on XXXX XXXX side of the house I asked for to have my number removed and not called. She stated they can remove from dialer but will still manually call- I have been really sick this year with 2 XXXX and not doing well- there is obviously some misappropriation of funds and this needs to be escalated.
Complaint sub-issue: Information belongs to someone else

Back in XXXX I sent letters to all 3 credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of {$2000.00} showing on my credit report ( that does not belong to me ) or to remove within 30 days. I received notifications and updated credit reports from all 3 bureaus showing they had deleted the account in the amount of {$2000.00} being reported by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all 3 of my credit report 's but this time it 's with a New Collection agency called XXXX XXXX. I never received any notification 5 days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of {$2000.00} from all 3 bureaus XXXX, XXXX and Equifax as they are violating the law by not notifying me within 5 days.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Bankruptcy : Dismissed XXXX Reference number : XXXX Amount : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Fees charged for closing account

I closed my Citi XXXX checking account some time in XXXX XXXX, and received an email confirmation on XX/XX/XXXX. I had been trying to close the account all week, but there was no option to do so online, and I had spent hours on hold during several occasions trying to reach a representative to do so. When I finally spoke with an agent to request the account closure, I was concerned I'd get hit for the {$100.00} fee for having a balance below the minimum. When I explained that to the agent, she assured me that the fee would be waived if it did hit the account because she understood my intent had been to close the account prior to having the fee assessed. 

I then began receiving overdraft messages stating that I owed the {$100.00}. I tried calling several times and finally reached an agent today ( XX/XX/XXXX at XXXX ). She explained there was an error in the way they closed my account that caused the fee to hit my account. She suggested she would fix it by mailing me a check for the {$100.00} so I could come to a branch and pay off the overdraft. I explained it was ridiculous to send me a check for money that doesn't belong to me just so I can go to a branch and pay it back. She saw my point and agreed to get a XXXX on the phone. I waited on hold for 45 minutes to speak with a XXXX, who then explained that my account had not been closed when I called because the call ended without their reading me disclosures. I don't remember the call ending abruptly, and do believe they read disclosures. The XXXX went on to explain the 1st fee did get waived, but the fee that caused the overdraft was for the following month because my account had not been closed. Again, she provided a solution of sending me a check that I could bring to a branch and payoff my overdraft. After once again explaining how ridiculous of a solution that was and that I planned to submit a complaint to the CFPB, she finally offered to send an email to backoffice to reverse the fee instead. 

I don't believe she will actually do it, so I am submitting this complaint to insure my credit bureau score is not impacted negatively by this. I also don't believe that my account had not been closed after my request because they didn't read disclosures. If that had been true, the account would not have gotten closed the following month either. Seems obvious that someone discovered that the account had not been properly closed when it should have been and fixed that, but forgot to also fix the fact that fees were hitting a " what should have been closed account. ". This is a ridiculous amount of incompetence for a major bank.
Complaint sub-issue: Their investigation did not fix an error on your report

Details Account : XXXX XXXX XXXX Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX XXXX, and this is an error and you must remove it, this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..