Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX   XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX i HAVE SEVERAL NUMBERS THAT ARE NOT MINE ON MY FILES PLEASE DELETE/REMOVE THE FOLLOWING : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Old information reappears or never goes away

This complaint is against Equifax. They keep putting fraudulent, illegal remarks on the following accounts. 

1. XXXX/XXXX  2. XXXX/XXXX  3. XXXX/XXXX  4. XXXX 5. XXXX XXXX  On each of these accounts they keep putting a derogatory remark that says CUSTOMER DISAGREES, OR CUSTOMER DISPUTES or REINVESTIGATION IN PROGRESS or INVESTIGATION COMPLETE. ( I am attaching screen shots from my latest credit pull to show proof ) The only statement that should be on each of these is " ACCOUNT CLOSED AT CONSUMERS REQUEST '' All other remarks need to be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/20 - notified by XXXX XXXX that a XXXX  card had been opened in my name. Verified that it was fraudulent XX/XX/20 - notified all three credit companies via phone and mail, filed FTC complaint, froze credit accounts XX/XX/20 - got credit report from Equifax. Noted fraudulent address, phone number, and XXXX  card. Called Equifax. Submitted dispute via phone and mail. 

XX/XX/20 - XXXX  card was removed from my account. My XXXX XXXX was also removed which I did not ask for. 

XX/XX/20 - Equifax sent a hard copy of my credit report to the fraudulent address. 

XX/XX/20 - Logged in to Equifax website to check status of dispute, discovered that Equifax was sending information and updates to the fraudulent address. Spent 3 hours calling Equifax, only to be transferred and/or hung up on. Finally talked to a representative who said that I had to resubmit documents. Offered to put a statement in my file that noted the fraudulent address and asking not to send any information to that address. 

XX/XX/20 - Resent dispute information to Equifax via mail noting fraudulent address and phone number. 

XX/XX/20 -Equifax sent a dispute notification to the fraudulent address. 

XX/XX/20 - Equifax has changed their website. I can no longer tell who they are sending my credit information to and it says that I have no active credit cards, which is not true.
Complaint sub-issue: Application denied

CITIBANK TREATS ME HORRIBLE THEY HANG UP THE PHONE ON ME THEIR APPLICATIONS DEPARTMENT IS RUDE AND XXXX  AND SUPERVISORS EVERYONE THIS COMPANY HAS TO BE RESEARCHED AND INVESTIGATED THEY TREAT ME HORRIBLE THEIR XXXX OFFICE DOESNT CARE ABOUT MY CASE THEY THINK ITS RESOLVED WHEN THEY DID NOTHING FOR ME THEY HAVE A LADY XXXX XXXX SHE REFUSES TO RETURN MY CALLS OR ANSWER OR CALL ME BACK I WAS DECLINED FOR A CREDIT CARD ITS NOT FAIR I NEVER FILED BANKRUPTCY WITH THEM BEFORE OR WAS CHARGED OFF OR LATE AND THEY SEND ME A LETTER SAYING MY CREDIT PRIVILIGES ARE RESTRICTED ITS NOT FAIR I WAS DECLINED FOR MY XXXX ONLY FOR THIS REASON BUT IF I APPLY FOR ANOTHER XXXX XXXX  I AM NOT GIVEN THIS REASON ONLY THIS CARD ITS NOT FAIR IM A MEMBER OF XXXX AND ALLOWED TO HAVE THEIR CREDIT CARD HORRIBLE EXPERIENCE
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my most recent XXXX XXXX report dated XX/XX/XXXX, and on the report Equifax reported the following incorrect information to XXXX  XXXX  : : Credit card usage - 24 % Debit - {$29000.00} Credit limit - {$110000.00} The correct information is as follows : Credit card usage - 22 % Debit - {$29000.00} Credit limit - {$130000.00} Equifax under reported my credit limit by {$12000.00} and a 2 % increase in my debit usage which has a direct impact on my credit rating. 

I have now spent 3 days and over 4 hrs ( XX/XX/XXXX - XXXX ) on the phone with Equifax XXXX XX/XX/XXXX most recent ) trying to get this issue corrected. All I get from Equifax is that this is not their problem as they have now verified with me no less than 5 times that the amounts they have on record matche what I have on mine. So, in their opinion, it is a XXXX XXXX problem and they can not and will not help me with it. 

According to XXXX XXXX, the information they show on their report, is exactly what the credit bureaus report. Nothing more and nothing less.. 

Just to add to this complaint. It should be noted that all of the information XXXX sent was correct.
Complaint sub-issue: Account status

Hi they will not up date my account with XXXX the account was paid in full no balance owed also they are putting fraudulent medical accounts on my credit I have full coverage medical insurance from XXXX Obama care no deductible or they are bringing old deleted accounts back as new and selling them to different companies please help me thank u
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute pertaining to the incorrect items on my credit report. It has been over XXXX days and I have not received any investigation results.
Complaint sub-issue: Didn't receive advertised or promotional terms

Bank of the West promised in their advertising the reward of {$200.00} for opening and using their credit card and after spending {$1000.00} during the first 90 days send {$200.00} to my checking account. I successfully completed the requirements of their offer. I have the email confirmation from their rewards department about completing the offer but I dont have this money. I called to their customer service dozen of times, and every reps and manager promised to resolve the problem but never gave this money simply steal money. Their representatives promised to escalate my case to upper level but till today XX/XX/2023, I didnt receive this money.
Complaint sub-issue: Account information incorrect

Equifax has violated my consumer rights. They will not remove or fix a XXXX XXXX XXXX  account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Complaint sub-issue: Reporting company used your report improperly

I keep complaining to the CFPB about equifax impartial discriminative acts and your guys aren't doing anything about it. I've made a couple complaints and stated the laws but you still let them violate my right as a consumer. According to CFPB consumer reporting in voluntary I never was asked to participate equifax assumed its role. They continue to report a XXXX XXXX, XXXX XXXX Bank XXXX and XXXX XXXX XXXX accounts on my report that says charge off. According to the IRS a charge-off is considered income. Its against the law to report income. Also they haven't verified anything with me asking me is that true, that is impartial and not fair. They also didn't conduct a proper investigative report because according to 15 usc 1681a ( e ) they should interview friends, neighbors and associates and they didn't. Also it says however such information shouldn't include factual information on a consumers credit record with such information obtained directly from a creditor. So if they're saying the information being reported in factual it shouldn't be on my report. This considered abuse and causing me paint and deceit. I'm not in a position to extend credit and its handicapping my life.
Complaint sub-issue: Debt was result of identity theft

In XX/XX/2020 I filed with XXXX  XXXX and reported XXXX XXXX and their collector Amerifinancial Solutions about the fraud collection of {$1300.00}. I am a veteran and was sent a letter of data breech along with another data breech from XXXX  some years ago. I have no idea what this debt is but I have sent a letter asking for it to be removed as this is fraudulent. They will not remove it. I also tried contacting the bureaus and they do nothing.
Complaint sub-issue: Information belongs to someone else

My Identity was stolen in two-three data breaches and has been used open credit cards. I signed up for credit monitoring that was offered because of the breaches. When reviewing my credit reports there were credit cards from CITI bank that were opened due to identity theft. I notified CITI. Made a police report. Added a fraud alert on my credit reports. I sent Citi bank documentation multiple times via certified mail which has been received and the signature card returned to me that validates I am a victim of Identity theft. 

Citi bank as of today XX/XX/2022 which is over a year I have been trying to correct this horrible act has not removed the accounts that were opened in my name with my social security number from my credit report. I have called CITI numerous times with no resolution and I am brushed off. I have requested documentation pertaining to the accounts listed on my credit report multiple times. Finally, I received documentation from CITI bank that also validates the accounts on my credit report that CITI is reporting as in default and charged off are not my accounts and CITI continues to report negative information to all three credit agencies. 


The paperwork that I received from CITI bank allowed the use of my identity that was stolen to open credit cards and commit this horrible act that is causing my credit and health to be abused because Citi bank continues to report negative information to all three credit bureaus. Attaching are documentation I received from CITI bank that verifies that my identity was stolen. The papers I received from Citi bank were two packets in one envelope one packet has a top # XXXX have multiple credit accounts attached. The next packet is labeled # XXXX. I have attached the police report that confirms that this has been reported to the police department. All the attached documents have been sent multiple times to CITI bank and they continue to disregard that I am a victim of identity theft.Citi Bank has tarnished my credit and this needs to be addressed now and corrected.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I wrote the credit bureau a letter about information on my credit report that is inaccurate and needs to be investigated and they did not respond to my dispute within 30 days which is a violation of the FCRA. The credit bureaus have failed to conduct a proper investigation and failed to correct or delete this inaccurate information off of my credit report. Their reporting of this inaccurate information has me in a serious financial bind and I need this addressed promptly
Complaint sub-issue: Attempted to collect wrong amount

I have disputed this information several times in the past because the bill had been paid. It keeps showing up on my credit report. Once I dispute the information it stays off for a year or so then it reappears with a different date. This causing me a lot of problems. It not only wrong but it is hurting my chances of obtaining a home. It is XXXX different companies that are doing the same thing. I have contacted the companies and with the same results nothing.
Complaint sub-issue: Public record information inaccurate

Under the new law effective XXXX XXXX, 2017 any public record data must include Name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports with Equifax, XXXX, and XXXX.
The Bankruptcy identification number is : XXXX US Bankruptcy Court XXXX, Georgia XXXX
Complaint sub-issue: Information belongs to someone else

Good evening, Upon checking my credit report i noticed a handful of fraudulent accounts and inquires on my credit report. II have never had any contact with theses banks on my credit report. Also, I noticed my date of birth is incorrect. I was born in XXXX. I was not born in XXXX. I do not know who these account belongs to but it does not belong to me.
Complaint sub-issue: Account information incorrect

I am on an income based payment plan and was informed that the interst would be separate form the principal balance, however my credit report is reflecting a higher amount and is adversely affecting me
Complaint sub-issue: Debt is not mine

My wife and I have had XXXX XXXX for over 2 years. Prior to us receiving services all equipment and balances ( not in collections ) had to be paid in order to get service. We have never missed or been late on a payment since we started our service. A collection agency contacted me and my credit report shows that I have {$100.00} from XXXX XXXX in collections. I have spoken to multiple representatives at XXXX XXXX since XXXX 2015 when it was first reported. Each time that I speak with someone, they tell us that they have no records of sending any information to the collection agency, and that we do not have any outstanding balances or monies owed. They have told us multiple times since XXXX that the collection agency will take it off our report and they are unsure how this happened. We still currently have services with XXXX XXXX, paying our bill on time every month and this has still not been resolved or taken off my credit. We have not been provided with any information that needs to be sent to the collection agency, they simply tell us that we have to pay the {$100.00}. XXXX XXXX has not offered any solutions, other than to say that " they have sent the message to the collection agency to take it off '' and nothing has changed.
Complaint sub-issue: Information belongs to someone else

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXX/XXXXDispute XXXX XXXX  XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX  XXXXXXXXDispute  XXXX  XXXXUnder Dispute XXXX XXXX XXXX  XXXXDispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute XXXX XXXXUnder Dispute XXXXXXXXUnder Dispute
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reportinXXXX XXXX XXXX XXXX Number : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, there are Addresses seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The following Addresses were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Banking errors

In the later part of 2019, Citi Bank advertised a promotional cash bonus of {$700.00} for any person to open a Citi Priority savings account with a Citi Priority checking account, with an initial cash deposit of {$50000.00} and maintaining that deposit for a period of 60 days. 
Based on this solicitation, we opened a Citi Priority checking account and a Citi Priority savings account on XX/XX/2019 with an initial funding of {$50000.00} and maintained that cash deposit continuously in our accounts through XX/XX/2019. 
To date, Citi Bank has not followed through with the cash bonus of {$700.00} as promised in their original solicitation. 
We contacted Citi Bank a number of times on this issue, to no avail.
Complaint sub-issue: Can't get other flexible options for repaying your loan

So back in 2018 I have a missed payment in XXXX that I was NOT able to pay due to being in XXXX XXXX in the emergency room. Since then I have made all payments on time and have not MISSED one payment since then which 23 months of consistent online payments on time. 

With covid going on credit is incredibly important and I would like this late payment removed. It is affecting my credit which could get me lower car payments and much more. 

Money is hard to come by during this horrible time in America and I feel like it would only be right to get this completely removed from my credit. Just the late payment that was made back in 2018 in XXXX. So I can get the best loans possible.
Complaint sub-issue: Their investigation did not fix an error on your report

In an attempt to clean my credit account with the XXXX major credit bureaus. I filed disputes with XXXX XXXX XXXX XXXX Equifax XXXX and XXXX XXXX XXXX. 

XXXX : was very helpful in removing a bankruptcy that was dismissed and had several inaccuracies. 

Equifax : unfortunately never properly investigated this matter and refused to remove it before the XXXX suggested period. 

XXXX  : unfortunately never properly investigated this matter and refused to remove it before the XXXX suggested period.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on XXXX XXXX, XXXX
Complaint sub-issue: Reporting company used your report improperly

I sent my letter to the credit bureau on ( XX/XX/2022 ). I told the credit bureau to investigate every piece of information on the accounts I have listed below. 

Account Name : 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  According to the FRCA THE TERM Investigation consumer report means a consumer report or portion thereof in which information on a consumers character. General reputation, Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such item of information.

They state my account was verified behind the possible, if they didnt do the proper investigation according to the law. Also I have a piece of information on these accounts are still not report on 100 % accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I also have the credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report fradugelent information on my credit report after I have provided with proof of a police report & identity theft report that these accounts do not belong to me. I have no knowledge of these account or give anyone permission to open these accounts in my name. The following accounts XXXX Servicing, XXXX ( listed two times ), XXXX, XXXX XXXX, XXXX   do not belong to me. They are also reporting names that I told them are incorrect. My name is XXXX XXXX that is how my name should be on my credit repport. I have never lived at XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX  XXXX XXXX XXXX These inquires that are being report I never gave anyone permission to access my credit or review it for the following companies 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: Old information reappears or never goes away

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX FAX : XXXX XXXX : XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX RE : REQUEST TO UPDATE CREDIT REPORT ; PLEASE XXXX XXXX PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX XXXXXXXX Once again this is not a request to investigate, but to update. So I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes Truly, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.