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

I have some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! 
I have listed all details below XXXX XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! 
XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me XXXX ) XXXX XXXX  # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX XXXX # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX  XXXX  # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 s-2 ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 



( XXXX ) DUTY TO PROVIDE NOTICE OF STATUS AS MEDICAL INFORMATION FURNISHER A person whose primary business is providing XXXX XXXX, products, or devices, or the persons agent or assignee, who furnishes information to a consumer reporting agency on a consumer shall be considered a medical information furnisher for purposes of this subchapter, and shall notify the agency of such status. 



( b ) DUTIES OF FURNISHERS OF INFORMATION UPON NOTICE OF DISPUTE ( 1 ) IN GENERAL After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall conduct an investigation with respect to the disputed information ; review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; report the results of the investigation to the consumer reporting agency ; if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

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

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

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

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

I am writing to remove the following information in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please remove these as soon as possible. 
I XXXX XXXX am making this complaint. This is not a third party, you guys tried this before.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

Upon reviewing my credit report on XXXX  's website I notice that there was a charge of XXXX posted by EOS CCA collection referencing XXXX internet company - XXXX, az XXXX. I called XXXX and talked to several representatives concerning this charge and each time they stated that not only do they not have a record of this charge but they also have no record of me anywhere in their databases. I open up several disputes with XXXX stating that this entry is not correct and needs to be removed immediately. Each time XXXX responded with entry being valid and nothing else. The last disputed response from XXXX was the following : EOS CCA Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation Information 1. there is no details, no explanation.

2. No entry as to how the entry was certified.

3. The account and the account number mention on this account is not recognized by XXXX. 
4. XXXX stated that if I had any type of account/business with them from the past then I would be found somewhere in their database - Nothing was found.

5. XXXX  only allows one dispute entry.

This is a false entry on my credit report that needs to be remove immediately and yet, XXXX refuses to do so.
Complaint sub-issue: Their investigation did not fix an error on your report

I 've sent several letters certified mail to all three credit bureaus asking them to contact creditors that I have been unable to reach to verify that the accounts that are reporting negatively on my credit reports belong to me. I 've been a victim of fraud and I have been working tirelessly to clean up my credit and establish positive accounts to outweigh the bad due to this unfortunate circumstance. The last letter that was sent to the credit bureaus was received by them on XXXX XXXX, 2017 according to USPS tracking confirmation. The accounts that I have been asking for verification to prove that they belong to me are from creditors XXXX XXXX XXXX {$4800.00} XXXX, XXXX XXXX XXXX {$300.00} # XXXX, XXXX XXXX {$6600.00} # XXXX, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX {$290.00} # XXXX. As a consumer I have rights under the FCRA & Federal Law that mandates creditors have 30 days to respond to disputes. I have yet to receive any response from any of these creditors or proof from the credit bureaus that these are validated as they say. Before I begin to take legal action I 'd prefer that this be settled by this third party platform.
Complaint sub-issue: Information belongs to someone else

this information does not belongs to me I have never done any business with these companies these accounts is fraud
Complaint sub-issue: Trouble with how payments are handled

Payoff payment was incorrectly applied to multiple loans rather than being applied to a single loan for payoff. I contacted AES about the incorrect payment application and they responded that it would take 7-10 days to correct the misapplied payment. After 10 days the payment was still not correctly applied and the loan, which should have been closed at this point, was still open with a balance and continued reflecting on my cosigner 's credit report and my credit report. This was after multiple phone calls during the 10 day period in which they assured me the payment would be properly applied. On my most recent call the original representative would not transfer me to a supervisor. After being transferred to another representative and waiting, I was finally transferred to a supervisor. The supervisor informed me that it was not possible for them to immediately apply the payment. AES was not able to correct the misapplied payment and the loan is still showing as outstanding, affecting both mine and my cosigner 's credit report and score.
Complaint sub-issue: Problem getting report or credit score

everytime i try to get my report it asks me a bunch of quistions about loans i have never had then kicks me off when i say none on the quistion. im afraid there is charges that are not mine on there where it will not let me in called and they want me to go threw a bunch of stuff. i want my report where i was denied credit and should not have to suscribe to there web site to get it like i was told i could pay XXXX and get it. under the fair credit act im intitled to know what is on there
Complaint sub-issue: Other problem

his complain is about Citi 's Online Banking System. So Citi 's online system is a disgrace for such bank. I opened a checking account some time ago. Before that by few years, I opened a few credit cards with Citi. Two of them as still active as of today ( Citi Costco and Citi Diamond Preferred ). Few days ago I requested that the checking account be closed. Now after it has been closed I am trying to UNLINK the checking account from my user id. I tried doing so online. It told me that this should take 2 - 3 business days. So I waited. 

After some time, I discovered that my Citi Costco and Citi Diamond Preferred Cards have been both UNLINKED from my user id. WHAT??? WHY??? So I tried to link them again, it didn't work at the beginning, but after few trials it was successful. Today, XX/XX/XXXX, I checking my online banking, I don't see my credit card accounts anymore. AGAIN!!! They have been UNLINKED by some unknown force. So I tried, AGAIN, to link them. I was successful in linking the Citi Costco card, but unsuccessful in linking the Citi Diamond Preferred Card. What's going on??? Should one leave his own responsibilities and life and focus on why the Online Banking of Citi is just messed up and doing stuff on its own. As usual, customer service is useless and they gave me some explanation that the Checking Account is a default account so after it has been closed and in order to UNLINK it, then we need to re-create a new user id and add both credit cards to it. Why should I even bother about this? Why this system is just a failure for such big bank? Need a solution as soon as possible.
Complaint sub-issue: Seized or attempted to seize your property

I was notified via letter on XX/XX/20 that XXXX XXXX XXXX would be garnishing my wages by 25 % beginning XX/XX/20. I called them immediately on the XXXX, I got an approval to settle the debt in whole for {$1600.00}. I went to the bank immediately, procured a cashier 's check, & XXXX overnighted the check. The check was received on XXXX PST on XX/XX/20. Today, my check from work was garnished anyway. When I requested assistance from the company for seizing my assets after they settled my debt, they told me they had done their job and would not assist me in recouping my money.
Complaint sub-issue: Problem accessing account

After fail to log on my checking account, the bank 's system locked my account. The website did not allow me to reset password. Following instructions I called the web customer service and the rep said nothing she can do due to the account was fairly new and I must go to a branch. Sadly the nearest branch was one hour away. All I wanted is to let them unlock the account then I can reset password myself. I really can not go to a branch one hour away to handle this issue.
Complaint sub-issue: Information belongs to someone else

I am challenging the incorrect information with XXXX on my credit report. Where XXXX and XXXX clearly violated the law. XXXX and XXXX put on my credit report an account number that is not my and the balance is false. The XXXX month terms payment of an account that is completely close. Furthermore, XXXXXXXX XXXX is Fraud. The account is false, the date and the amount. I am a victim of identity theft. XXXXXXXX XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im challenging this account with XXXX and XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Provides me with strict proof section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts immediately.
Complaint sub-issue: Investigation took more than 30 days

Hello. I am submitting this complaint due to no communication regarding a status on a investigation from Equifax. I wrote Equifax on XX/XX/2021 about 4 inaccurate items on my credit report. I provided everything they needed for a investigation and again I am supplying it her in this complaint. In the beginning of XXXX I was told after going through the verification over the phone that my disputes have been received but could not tell me whats going on expect its in progress so I sent another letter on XX/XX/2021 to see if I can get a response in writing. It is now XX/XX/2021 45 days since my first complaint and still nothing. It's been 45 days since my first request and this company keeps reporting inaccurate information in my credit report.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. Equifax Information Services, LLC has violated my rights by furnishing these inaccurate and fraudulent accounts below. 

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 XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A. section 2. it also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681 B. Permissible Purpose. The user must disclose to the consumer that an investigative consumer report may be obtained. This must be done in a written disclosure that is mailed, or otherwise delivered, to the consumer at some time before or not later than three days after the date on which the report was first requested. The disclosure must include a statement informing the consumer of his or her right to request additional disclosures of the nature and scope of the investigation as described below, and the summary of consumer rights required by Section 609 of the FCRA. ( The summary of consumer rights will be provided by the CRA that conducts the investigation. ) The user must certify to the CRA that the disclosures set forth above have been made and that the user will make the disclosure described below. 
Upon the written request of a consumer made within a reasonable period of time after the disclosures required above, the user must make a complete disclosure of the nature and scope of the investigation. This must be made in a written statement that is mailed or otherwise delivered, to the consumer no later than five days after the date on which the request was received from the consumer or the report was first requested, whichever is later in time.
Complaint sub-issue: Account information incorrect

XXXX XXXX  reported my balance on XX/XX/XXXX to Equifax and XXXX as {$1400.00} when that is incorrect. The company acknowledged that they sold my debt. The debt company sent me a letter offering me a settlement of {$980.00} as paid in full. I paid the settlement amount of {$980.00} upon receipt of the letter. They wont update my balance to XXXX  although I have shown documentation of the settlement letter. There is also a recorded call with XXXX XXXX of their representative showing the account was settled and paid in full. XXXX XXXX  keeps adding comments to drop my score when Ive paid this debt in full.
Complaint sub-issue: Information belongs to someone else

I filed a complaint with CFPB regarding a fraudulent car company listed on all three credit bureaus, credit acceptance. within a week, transunion was able to remove the given creditor however experian and equifax refuse to due so. I am requesting that the given creditor be removed immediately due to being fraudulent.
Complaint sub-issue: Didn't receive terms that were advertised

Dear CFPB, I opened a new Citibank Accelerate Savings Account on XX/XX/XXXX, under a promotional offer called the " Level Bonus Offer '', that came through the Citibank mobile application. The promotional offer was for {$450.00} for funding a Citibank Accelerate Savings Account with {$50000.00} or more. 

The promotion had a requirement to have the account funded by the XXXX day after account opening, and keep the funds in the account for 60 calendar days afterwards. Then the bonus was promised to be paid 30 days after completing the funding activities. After signing up through my mobile app - I received an Email confirmation of the promotion from Citi on XXXX XXXX, XXXX. 

It has now been more than 150 days since I open and funded the accounts as required, and more than 40 days have passed since the bonus was supposed to have been granted to me. 

I have called and messaged Citibank 4 or 5 times, each time, the Citibank Customer Service Representative says I qualify for the bonus- they are just slow in issuing the promotion - and to call back in 5 business days. Each time I call back - there is no progress on my dispute. 

A case was raised on XXXX XXXX, XXXX - and on XXXX XXXX, XXXX a response was given as follows : " Unfortunately, XXXX XXXX XXXX was not offered in conjunction with the above account. While Citi does offer cash promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I called back Citi on XXXX XXXX, XXXX- who assured me that I qualify, that this was a mistake, and a new case was opened by Citi and I was assured it would receive escalated attention in 5 business days. I called back on XXXX, XXXX, XXXX - and still no progress on my promotion. 

I have now spent 4-5 hours on the phone or chat with Citibank with no progress - even after escalating to supervisors ( XXXX and XXXX ) XXXX 

I hope to get the bonus and help others going through the same bonus- to be aware of Citi 's issues in honoring their advertised promotions.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX put late payments on my account. In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S Code & 1681a - Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term '' consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Complaint sub-issue: Their investigation did not fix an error on your report

I've filed this same complaint multiple times. It does belong to them. 


This company promised me that if I paid off a debt that my score would increase by at least XXXX points it did not when I paid off this debt a debt which was not mine a debt which no one could prove to me was mine legitimately no 1 could send me paperwork no 1 could do anything to prove that this was my get yet I paid it off because I was promised an increase in my score by at least XXXX points I watched a man get XXXX XXXX XXXX XXXX XXXX XXXX I'm trying to get out of this neighborhood I'm trying to buy a house that is why I paid off the debt so I could get the increase of the XXXX points They have not done what they said they were going to do I want them held accountable Only positive things have occurred on my credit report in the last 5 years and my score only goes down my Income to debt ratio is 7 % there are no collections there are no new hard inquiries almost everyone 's about to fall off my installment loan is up-to-date this is insane I am being targeted I want being targeted I want them to do what they said they were going to do. I You've talked to text so sorry you might need to decipher some of this because this is like the 5th year that I've been doing this with you guys so I'm tired of checking for typos for you