Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I have tried to contact Equifax on the issue of the violation of which needs to be resolved. 
I did not give my written consent to have the following items reporting on my consumer report, and No consent is Identity Theft. 

XXXX XXXX XXXX XXXX Ithink XXXX XXXX XXXX Under 15 U.S.Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I would like to have proof providing that I gave written consent for these items to report on my consumer report.
Complaint sub-issue: Old information reappears or never goes away

My name is XXXX XXXX, a federally protected consumer. I am filing this complaint against Equifax for reporting a collection account without reference to the creditor name, address, or phone number. Please see attachment labeled Equifax Exhibit A.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is related to charge from XXXX on XX/XX/2021. 

It is the second time, in a row, I order food from XXXX that arrives different from I ordered. 
I complained both times, this second time I was not replied to. 

This second time, they put a different sauce than I ordered - not sure if it was a plain mistake, or a replacement. I was never informed my pasta would come with a different sauce. 

It was appropriate to dispute the charge, not just to make it right but so they really investigate this and learn they need to pay more attention. 

First of all, Citibank started asking questions as if food is a merchandise. Food is not a merchandise that can be simply returned. It is unsanitary, food should not be thrown away just because sauce is different ( I don't do that - would you? ), and you can't really expect that after waiting for it, you can just take it back XXXX so they throw away? ) and then wait longer for another dish. 

I answered all questions and then when I answered NO to if I had successfully returned the merchandise (! XXXX, Citi prevented me from opening the dispute. Then, now it blocks me from opening the dispute if I try again. 
Just absurd. 
Very customer unfriendly policy. 
It feels like I'm bothering Citi by opening a dispute, as a cardmember. 

The restaurant made the mistake twice and was not responsive to my complaint ( never reached back to me ). It is appropriate they receive a dispute. 
I have photo of the food if that is necessary. 

Important notice for you, Citibank representative, reading this complaint : I only have one Citibank credit card and only use it when there is an offer like the current dining cashback, because I know how poor Citibank service is. I would never consider paying annual fee to Citi, this bank ( just like this restaurant now ) is not worth a penny from my wallet. It looks like I will keep having just one annual fee-free card and not expanding relationship with Citi. You keep showing me how invaluable customers are to you. Nothing beats XXXX XXXX customer service, that is why I spend thousands in my XXXX card every month, and I'd like to suggest you to use XXXX XXXX even as a Citibank employee. You will receive proper service when needed.
Complaint sub-issue: Account status

I find myself fighting monthly with XXXX OF NORTH CAROLINA to remove their negative report from my credit report. I paid them in full in 2013. They promised to remove the negative report after the payment was received in full. I 've submitted the proper documentation to XXXX OF NORTH CAROLINA and the XXXX credit bureaus with no luck. I am in the process of rebuilding my credit and XXXX OF NORTH CAROLINA 's negative report is not helping my credit history. I was in a credit rebuilding program with XXXX XXXX for the last six months. XXXX XXXX was able to delete the negative reporting from XXXX OF NORTH CAROLINA for a couple of months. Now that I am out of the program I see XXXX OF NORTH CAROLINA reporting this month. I need for XXXX OF NORTH CAROLINA to remove their negative reporting from the XXXX major credit bureaus!
Complaint sub-issue: No notice of investigation status/result

Hello, I asked Equifax to provide documentary proof of the negative claim being made on my credit history and they have failed to do so. I have asked them repeatedly to update my credit report by removing the claim on it since they were unable to provide me with the documents I requested and they refuse to do so. I also spoke with a customer service representative which told me they have no way of provide me with such documents as they receive the claim from the creditors and as per their " records '' the claim was valid. I asked for such " records '' and they told me they had no way of providing them to me. That to me was unacceptable.
Complaint sub-issue: Debt was paid

Communication from XXXX XXXX XXXX began a few weeks ago. I had received a few calls and a couple of voice mails from this company and when I called back a person named XXXX XXXX answered stating his name. I mentioned that I had received a couple of calls and wondered what it was about. The individual did not reference that they were a collection agency or that it was an attempt to collect a debt. They would only ask for my information and for me to confirm who I am. When I would not comply and asked what it was about he would not respond but continued to ask for my information. I then hung up the phone. He called back and hung up on me. When I called back he threatened legal action. A week later we received a letter from XXXX XXXX XXXX stating that I had an outstanding debt with US Bank. I know that this debt is erroneous as it was paid off a few years ago. When I searched XXXX XXXX XXXX it came up that XXXX XXXX is a representative of that company and that he had harassed other individuals in the same way he had harassed me.
Complaint sub-issue: Old information reappears or never goes away

Ive reached out countless times about this and STILL you have incorrect names, addresses, etc. after Ive provided you with my drivers license, SSN card and a letter for the police department advising I had been a victim of identity theft! Ive provided you with that information so that you could update your records/accounts accordingly and STILL you have failed to do that instead in my previous complaint, you left a generic response about talking directly to me when you have made it impossible for me to even contact you about my own account!!!!!! 

When you receive a complaint from the CFPB you are speaking directly to me! I cant speak to you, but youve managed to place a fraud block and freeze on my account that I HAVE NOT requested. Ive previously asked that you lift any blocks and freezes from my account and not add anything I have NOT asked you for ... instead you do exactly what I said NOT to do! 

Because Ive documented this issue many times over and have given you ample opportunity to correct this and you have failed to do so, please respond with the information for your resident agent in my state, as I will be moving forward with a lawsuit against you for your incorrect credit reporting and inability to make corrections in a timely manner. I will be seeking damages for your incorrect credit reporting and your refusal to correct this and the negative impact it has had on me and my credit as a result. 

Again, please respond to this complaint with information for your resident agent in the state of Virginia so that they can be properly served for any forthcoming court proceedings.
Complaint sub-issue: Personal information incorrect

EQUIFAX IS REPORTING WRONG DATE OF BIRTH IN MY CREDIT FILE. 
THE CREDIT BUREAU FAILED TO INVESTIGATE OR PROVE 100 % ACCURACY OF ALLEGED CREDIT COLLECTION ACCOUNTS LISTED BELOW. 

DATE OF BIRTH LISTED IN MY CREDIT FILE XX/XX/XXXX( INACCUATE ) ACCOUNT # XXXX ( COMPLETELY INACCURATE ) ACCOUNT # XXXX ( COMPLETELY INACCURATE ) XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

From XXXX of 2021, I filed a dispute with XXXX, Equifax and XXXX about the inaccuracy being reported on my credit report of the accounts XXXX XXXX -- XXXX and XXXX XXXX. There are two different high balances being reported, {$960.00} on XXXX and Equifax but {$0.00} on XXXX for the XXXX XXXX, and different dates of last activity for the XXXX charge off.. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. Thank you
Complaint sub-issue: Information belongs to someone else

I noticed updated on my credit report that a bogus collection account has been added to my file. The account is listed as XXXX XXXX XXXX XXXX and it is not my account.
Complaint sub-issue: Account status incorrect

I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment
Complaint sub-issue: Account status incorrect

There are several accounts that are incorrect and not coherent with the other credit bureaus. Some accounts do n't even have my name spelled right and do n't belong to me.There are accounts that are out of date and also closed that should be automatically removed but have n't been. I have tried to submit a dispute but I have n't gotten any feedback. This is hurting my credit score more than the correct debts owed.
Complaint sub-issue: Debt is not yours

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I was advised to consolidate student loans and PLUS loans, which I am now told do not qualify for any of the income-driven repayment plans. The only option is a calculation based on the outstanding balance, regardless of my income or expenses. 

The only reason I consolidated and switched to this servicing company was to participate in the income-based repayment, which they told me I was doing. Only today did they advise that I am not eligible because a portion of the consolidated loans is PLUS. 

During the first year, they apparently miscalculated or had me in the program they now tell me I can not participate in : my payment, based on my income, was $ XXXX. The new payment, based on the new program/formula, is $ XXXX XXXX impossible to pay ). 

This is 25 % of my take home pay, before any expenses are paid.
Complaint sub-issue: Reporting company used your report improperly

I am filing a complaint in regards to the recent Equifax security breach -- according to the Equifax impact inquiry site ( XXXX XXXX XXXX ), checking my information indicates a strong likelihood that I was impacted and that my information was compromised. 

Equifax did NOT contact me about their security breach, and took no measures to alert me about my information being compromised, despite having it on their record and having access to my contact information. Issuing a national press release is not an acceptable substitution.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you 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 items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem with personal statement of dispute

On XXXX I received an update from XXXX  stating that my past due history increased for Discover from 96 % on time to 100 % on time history. I reached out to Discover and asked that since this had been updated for XXXX, to please update to the other bureaus. The first response I received regarding this new request was around XX/XX/XXXX and it stated that in XXXX I had already requested to have the payment history updated and the information remained the same. They also deleted the current payment history from XXXX. I sent another request to the executive office and was advised by them that their decision to update my past due history to current has not changed based on the investigation in XXXX, this apparently did not address my concerns. Did they not see the inquiry from XX/XX/XXXX? 

Discover has been the best card and I now feel like Ive been mistreated and discriminated against. Ive explained in the past that the payment was a simple mistake and my husband was in the hospital back in XXXX and I spent many days in the hospital and just forgot to make the payment on time. Neither agent investigated the fact that one of the bureaus is reporting XX/XX/XXXX as current as of XX/XX/XXXX. I only asked Discover to update it based on that and as a goodwill. However, they deleted the current information from XXXX, how distasteful. No proper investigation has been done because if it did I would have a new response regarding why XXXX  is  reporting all past due history as current and the others not. Instead Im given generic responses and investigation has been done. My consumer rights have been violated and Im sure it will fit under a UDAAP regulation and Fair Lending.
Complaint sub-issue: Didn't receive notice of right to dispute

I have a collection on credit with XXXX XXXX that I have been trying to settle and satisfy. Through my research, XXXX XXXX does do settlements with their customers. In speaking to XXXX XXXX, they have a 3rd party, NAR or North American Recovery handling their collection of this account. When calling NAR, they state that they do not own this debt and are collecting on behalf of XXXX XXXX. I tried to settle this account out with them and they are stating that they do not do settlement agreements. I find this to be against XXXX XXXX 's practices and as a violation of the FCRA collection rules. How can XXXX XXXX allow a company to collect or act on their behalf but have horrible business practices? 
Also, I never signed any disclosures stating that XXXX XXXX  could transfer my personal information to a 3rd party. This company NAR is contacting and attempting to collect a debt from me illegally.
Complaint sub-issue: Information belongs to someone else

XXXX money Grubbing fancy title people Lying stopping bank. Four months of fighting you Remove this incorrect false account and stop your lying cheap sales talk. Nothing in your letter is true. I can open false accounts on your person? Feels good?
Complaint sub-issue: Can't close your account

On XX/XX/2019 I filed a dispute with Moneylion bank about unauthorized transactions Ive sent them police reports & etc. I reported my card stolen & just received it XX/XX/2019. Now that Im calling checking on the update of my dispute theyve locked my account. I have funds in my account that I cant use that they are holding hostage! They keep telling me that I cant close my account or they cant send me my money because they are protecting it which is ridiculous! Ive been trying to close this account for 2 days now & theyre still telling me no they cant close it. What type of company holds your money hostage because they are incompetent!
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2018, XXXX contacted Equifax to perform a credit check on me. This was an unauthorized check and was fraudulent. My identity was stolen to open a new XXXX account. I reported this issue to BOTH XXXX and Equifax. Neither company did anything to stop the new account to be opened in my name. I then received a collection notice for the fraudulent account. XXXX finally submitted a notice to Equifax informing them that the credit check was fraudulent and should be removed from my account. To date Equifax has failed/refused to remove the XX/XX/2018 credit check. Equifax has failed to do anything to rectify this issue with my account.
Complaint sub-issue: Debt is not yours

I received a call from phone number XXXX on XX/XX/XXXX at XXXX CST. I did not answer. The person calling left me a voicemail stating his name was XXXX XXXX with XXXX XXXX XXXXXXXX and that he was calling about a pending judgment against me that was going to be filed with my county court clerk. 

I called back at XXXX and XXXX immediately answered. He tried to verify me by both my married name and my maiden name. I have not gone by my married name since XXXX. I asked him what this was concerning and he proceeded to tell me that there was a judgment against me for a credit card. I told him that I have never had a credit card with the company he mentioned. 

He proceeded to tell me that I did have a credit card with that company. I told him I did not and that I wanted proof that I owed this debt. He said he didn't have to prove anything to me and that all they had to do was prove it to the courts. I told him ( again ) that I wanted him to provide me with proof that I owed this debt and he said he would provide it to my lawyer. He then asked me if I had a lawyer. I told him no I did not have a lawyer because I believed XXXX was making false and bogus claims. He told me that he hoped I was right because I was going to get sued. I asked him when the card was supposedly opened and he said he didn't know. He again said that the county court clerk was going to get the judgment today ( XX/XX/XXXX ). I told him I would call the credit card company directly to find out what the debt was about to which he responded " good luck '' and hung up. 

I do not owe this debt. I have never had a card with the company he was referencing. When I asked for proof, I was denied. I looked up XXXX XXXX  XXXX. They have a website : https : /XXXX/ On the website there is no address for them. No description of who they are. 

I HAVE NEVER HAD A CREDIT CARD WITH THE COMPANY MENTIONED AND I DO NOT KNOW WHY I WAS THREATENED IN THE MANNER THAT XXXX XXXX WITH XXXX XXXX XXXX THREATENED ME. I WAS TRYING TO BE FAIR AND HONEST BY ASKING FOR MORE INFORMATION ABOUT THIS DEBT. I WAS REFUSED ANY TYPE OF INFORMATION, WRITTEN OR VERBALLY. HE DID NOT HAVE ANY INFORMATION TO PROVIDE ME. HE COULD NOT TELL ME WHEN THIS CARD WAS SUPPOSEDLY OPENED. AND HE WOULD NOT PROVIDE WRITTEN PROOF. HE THREATENED ME. ALSO, DEBT COLLECTORS ALWAYS STATE IN THEIR PHONE CALL " This is an attempt to collect a debt, and any information obtained will be used for that purpose. '' MINI-MIRANDA. THIS WAS NEVER STATED IN OUR COMMUNICATION.
Complaint sub-issue: Problem with personal statement of dispute

On  XXXX   XXXX   2017 ,  Checkr reported to  XXXX  about my background check. This included  XXXX  violations which was dismissed by a Judge last  year in  XXXX  NC. I sent emails to Checkr and  XXXX  explaining the incomplete report but in vain. NC state uses point system to convict offenders and I have  XXXX  points on my driver license. Please help to fix this confusion because I 'm a  XXXX   XXXX  and driving  XXXX  helps to support my family financial needs. Thanks
Complaint sub-issue: Reporting company used your report improperly

I learned that Equifax had a security breach and went to their website at https : //www.equifaxsecurity2017.com/ to determine if my information was compromised. I learned that based on the information I entered my personal information was compromised. I immediately called Equifax at XXXX and placed a 90 day fraud alert on my credit. I ca n't believe that the very company that is designed to safeguard my credit information and help me NOT get comprised is got compromised. I will continue monitoring my credit information and immediately dispute any changes to my report. I WILL NOT sign up for any service monitoring my credit with Equifax due to their negligence with my personal information and my lack of trust with them.
Complaint sub-issue: Information is not mine

I have been the victim of ongoing ID theft and have numerous fraud inquires as well as XXXX fraud accounts begin reported with Equifax. Both XXXX and XXXX have removed these fraud accounts but Equifax refuses to do anything!! I have been fighting with Equifax for quite awhile trying to resolve this matter and they will not do XXXX!!! Even with a valid police report as well as other supporting documents. I am a XXXX veteran and Equifax is treating me worse than a criminal. I would like for them to remove and or block the fraud items I have listed in the attached letter and stop ignoring my request to correct this.