Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Complaint sub-issue: Problem getting your free annual credit report

Equifax is not allowing me to view my free annual consumer report.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Equifax and XXXX Credit bureaus are currently reporting a duplicate time barred account with inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened inaccurate, Last reported date is inaccurate, Date of Last Activity is inaccurate, missing data and a Collection/Charge-off reporting a balance. XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been a homeowner for over 20  years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate 3. Please remove all previous employers and add my current employer XXXX XXXX, XXXX, FL
Complaint sub-issue: Can't close your account

I called First XXXX XXXX on XX/XX/XXXX to close my credit card account after paying my balance off. I was told it would be completed within 3-5 days. I called back on XX/XX/XXXX to check the status as the account was still open. I was once again told it would be completed in 3-5 days again. I have since called a few more times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX and the issue still hasn't been resolved and charges and fees have continued to be added. Nothing is being done and no one seems to know why.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a letter in the mail today from Citi Bank regarding an application for a Citi Customer Cash Mastercard account, which I did not apply for. The letter is dated XX/XX/2022. I have never done business with this company nor did I request to have an account with them. I'm unsure of how they obtained my information and would like proof from them that I applied for this credit card. The letter was sent to a previous address that I have not lived at in a year.
Complaint sub-issue: Personal information incorrect

I have an open account with XXXX XXXX XXXX XXXX, and the account has the wrong address associated with the loan. 

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

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.
Complaint sub-issue: Information is not mine

XXXX, Equifax , and XXXX continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a certified letter to Equifax, XXXX at XXXX XXXX XXXX, XXXX, GA XXXX on XXXX XXXX. 

It was accepted and signed by XXXX XXXX. 

I complain to Equifax that they were report dual late for same account. I had a XXXX Credit Card that was late on XX/XX/XXXX which was transfer to a XXXX Credit Card. I noticed on my Equifax report its showing both accounts with same late. 

Neither XXXX  or XXXX, XXXX are showing this obvious error.
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my reportXXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$33000.00}
Complaint sub-issue: Can't stop withdrawals from your account

XX/XX/2021 - I was the victim of a scam via Cashapp ( three {$200.00} transactions ). I immediately ( within 30 minutes ) reported the fraud and cancelled the card. Cashapp was made aware of the problem but did not take action nor did they refund my account. They simply sat on the issue until the XXXX and refused to refund the account because " the transaction was already completed. ''
Complaint sub-issue: Investigation took too long

Equifax Credit XXXX is reporting XXXX dismissed judgements on my credit report. I have disputed XXXX judgements and Equifax is responding to my disputes with the same response, " The judgement has been verified as correct and is being reported correctly. '' The Creditor/Lender agreed that once the judgement had been satisfied ; the satisfied debt would be removed. Equifax will not remove this from my credit report even though these judgements are not showing on my XXXX credit report.
Complaint sub-issue: Information belongs to someone else

My identity was stolen back in 2002 as well as my kids I'm still working to remove XXXX accounts in my XXXX old son name. Someone filed 2 tax returns in my name. Also applied for so many credit cards it's been hard to keep up. It's been a stressful journey. Equifax hasn't been making anything easier. There a difficult credit Bureau to get fraudulent items removed. All they keep doing is " verifying '' the information. Even after you've sent them everything possible. Also reaching out to the companies that are reporting the fraud. They are even saying they reach out to get the item deleted but Equifax still doesn't delete the fraudulent items. I currently have a fraudulent XXXX XXXX account that says closed charge off and they have me owing {$2100.00} that account should have been removed years ago as well as a us dept of Education Fraudulent account showing i owe XXXX. XXXX ohio
Complaint sub-issue: Information belongs to someone else

After i disputed information that was on my credit report, The credit bureaus h ave verified information on my credit report that by law only i can verify. I do not not verify any accounts that i have disputed with the credit bureaus. They are in violation of the FCRA.
Complaint sub-issue: Account status incorrect

I never received a bill or notification of a past due balance. Collections account appeared on credit report
Complaint sub-issue: Information is missing that should be on the report

My complaint is the way all three credit reporting companies ( Equifax, XXXX and XXXX ) use selective data to determine an individual 's credit worthiness. My credit score was over 800 just 3 months ago and now it is XXXX with XXXX and XXXX with Equifax.The reason it fell so drasticly is because we bought some furniture and decided to take advantage of an offer for a credit card that had 0 % interest for six months. In addition, applying for this card lowered our total purchase price on all the furniture by over {$500.00}. The card company established a " credit limit '' on the card for exactly the amount of furniture we bought which meant that when the credit reporting companies got the information, the " furniture company '' credit card was " maxed out '' at 100 % of available credit. This in turn made our total credit usage on two cards at 50 %. What the credit reporting agenciies don't look at are the consumers bank accounts ( we have about {$750000.00} in three separate savings accounts ) mortgage free property ( we own two homes debt free that are worth {$500000.00} ) and money ( {$300000.00} ) in a money market account with a stock brokerage firm. I have NEVER been delinquent on a payment. I pay my credit card ( other than the furniture card ) balance in full monthly. The credit reporting companies say the " age of my credit '' is one year. I am XXXX years old and have had stellar credit my entire life with many accounts over the years that were paid in full and then closed. 
My credit score is very important to me and I just need to have someone explain to me how I am now only a " fair '' credit risk. It seems to me the credit companies should expand their information base about an individual in my circumstances to take all the above factors into account. 
Please let me know what my options are. 
Thank you, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status positive and update the late from reporting on this account. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Application denied

This bank has been against me and refuses to process any of my store credit cards applications they immediately decline me with no reason not fair they hate me my XXXX XXXX XXXX XXXX XXXX this is not nice
Complaint sub-issue: Debt is not mine

I placed an order with XXXX also know as pacific credit group and was promised a XXXX5 day shipping. This did not happen and I called them a week after the order was placed to cancel and was told it was. They then proceeded to ship the item against my wishes and I called before the delivery to tell them to return to sender as I would not be in he state and nobody would be home. The package was delivered to the wrong address with ups has handled the claim and was to handle it directly through emporium/pacific credit group. They are calling non stop daily and at very unreasonable times some at XXXX and some at XXXX at night. I have mailed them a letter to stop this and they were to have escalated this to multiple supervisors multiple times and nothing is being done about this.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2018, at the suggestion of the agent for XXXX, a XXXX of XXXX XXXX, I sent via email ( address given by him ) a detailed letter and revised 'RIE ' form, attached here. 

After some weeks, I got a call from XXXX XXXX of that firm which I returned the next day. 

He was belligerent and interrupted me when I told him that the figure his QC 'people ' had arrived at was neither reasonable or affordable ; he refused to give me anything in writing at which point I terminated the call. 

He has violated their own Manual, attached ; furthermore, XXXX XXXX own materials speak of 'monthly payments as low as {$5.00} .... ', a category that suits my disclosed income and expenses. As importantly, when I pointed out that no one had requested me to document each item -- which I then and now am prepared to do -- he demurred, simply repeating that his 'supervisor would tell me the same thing ' -- i.e., that I had to pay $ XXXX  monthly vs. the {$99.00} he had previously quoted on a then current RIE form.
Complaint sub-issue: Information belongs to someone else

XXXX is reporting that I have a account with XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX # XXXX. I have contacted these debt collection companies, requested proof of the debt, and they have not and were not able to provide any proof that these debts belongs to me ( because they do n't ). XXXX has also not provided any proof that these debts belongs to me. I have no contract with XXXX XXXX or XXXX XXXX XXXX, and unless someone can show where I have signed any contract with them or the company they are collecting for, these accounts needs to be removed.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I have never had any type of credit cards with Discover Bank. I am requesting for Discover Bank to remove and delete this fraudulent account from my XXXX and XXXX credit report immediately or legal actions will be taken. 

1. Discover Bank Account # : XXXX I have attached correspondence from your company stating for the credit bureaus to delete and remove this fraudulent account from its system. Why is Discover, XXXX and XXXX violating my rights? 

I have attached a copy of my police report, Discover letter as well as a copy of FTC report for Discover Financial Services to remove and delete this fraudulent account from its system as well as my XXXX  and XXXX credit report.
Complaint sub-issue: Account terms

I HAVE ATTACHED BOTH EQUIFAX AND XXXX REPORTS IN REGARDS TO INCORRECT LIMIT AMOUNT AS WELL NO CREDIT REPORTING. 
XXXX XXXX XXXX : XXXX : LIMIT IS {$1000.00} BALANCE IS $ XXXX : **************** LIMIT IS {$500.00} BALANCE IS $ XXXX LIMIT IS {$450.00} BALANCE IS $ XXXXPLEASE UPDATE AND FORWARD ME A REVISE CREDIT REPORT COPY. 
THANK YOUXXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

MY IDENTITY WAS USED TO OBTAIN GOODS WITHOUT MY CONSENT OR KNOWLEDGE I DID NOT AT ANYTIME APPROVE OR WAS AWARE OF ANY SERVICES THAT THE PERSON WHO USE MY IDENTITYNTHE ACCOUNT WERE OPEN FRAUDGENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX   and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Information belongs to someone else

Once again I am writing you because of Equifax and their online dispute keeps telling me that The information provided does not match their work now I just sent a complaint over about this same matter and once they responded I was able to log in with the same information I was providing prior but I wasnt until I sent a complaint to the CFPB that I was able to log in. So once I logged into my account and got past the security questions it timed out. I typed in the same information and it wouldnt let me get pass the personal information like name, bday, address now I just logged in 10 mins prior With the same information that I tried again and now all of a sudden he say the information provided does not match. Then the second set of security questions are not accurate I provide the answer to the questions and it say it doesnt match now all of a sudden. I would like this issue resolved Due to inaccurate information on my credit report thats damaging my credit. I should be able to submit my dispute online. This is the second time.
Complaint sub-issue: Information belongs to someone else

Equifax : Remove wrong the details from my Credit report. 

Please review the attached letter from XXXX.
Complaint sub-issue: Other problem getting your report or credit score

Equifax is blocking my credit report, I tried to do business with XXXX, XXXX, XXXX and they report that they can receive any information from Equifax, also my credit monitoring agency, privacy asset ca n't retrieve information from Equifax since twoyears ago. I called, wrote and try to solve the problem and always tell me that there is no problem, and unhelpful answers like I have no lock or freeze or sending me credit report when I just ask them, with all the documentation to give me a solution to the problem.
Complaint sub-issue: Attempted to collect wrong amount

I have disputed a duplicate and expired daycare bill with National Recovery Agency and the Credit Bureaus multiple times. They have sent correspondence to me regarding XXXX XXXX  XXXX XXXX. The Date of last activity for the service I had there was XX/XX/2014. They are also reporting this in duplicate on my credit. Same dollar amount listed as owed but two different account numbers. There was only one account with XXXX XXXX  XXXX. The location has closed years ago and I have not been able to get in touch with anyone from there regarding this. The service and payment breakdown that XXXX XXXX sent me clearly states that the date of last activity/payment was on XX/XX/2014, yet the front of their letter states that the last service date was XX/XX/2014. The dates on my credit report also do not reflect a proper date of last activity. 

National Recovery Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX
Complaint sub-issue: Attempted to collect wrong amount

A debt collection company that I send payments to is claiming that they did n't receive a payment that I sent in XXXX 2016. However I 've made payments in XXXX and XXXX which have applied to my account correctly. I 've tried to rectify this matter and two months later and still has n't been resolved. It is very difficult to speak with someone about my account, because staff are rarely available. At this time I still have n't been informed about the company 's status in tracking the payment.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I. Used a atm on XXXX XXXX mo on XX/XX/2020. I was charged for the amount of XXXX dollars. My money was put back in the machine and my debit card locked in machine. I did. Not get the money. but it came out of my account I have tried calling my debit card to dispute the charge yo the dispute department I finally went ahead and. Cancel the card and was issued a new on today.
Complaint sub-issue: Old information reappears or never goes away

Checkr is a background check agency that reports driving records on behalf of the state bmv office and has altered report for unbiased reasons even when there isn't a reason they fraudulently made one to put an applicant partner on hold to potentialy loose a contract with a company. I have provided an example below of their business practices that may cause me to lose a contract with a partner. They need to be held accountable for their actions and be removed from their partner systems for falsifying background reports.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, has violated my rights. 

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
Complaint sub-issue: Their investigation did not fix an error on your report

This is a final complaint in regards to the multiple prior complaints on record which I filed with CFPB and numerous complaints of disputes via direct mail USPS for dates XXXX Present which remain entirely unresolved. 
Let this be seen by CFPB as a consistent trend by Equifax to ignore their legal obligation to consumers. I have retained the Legal Counsel XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida. 
Notice of intent to sue for not adhering to FCRA rules and regulations as a Credit Reporting agency.
Complaint sub-issue: Information belongs to someone else

equifax, XXXX and XXXX are incorrectly reporting an account that is not mine, I have reached out the past 3 months to the bureaus with no response as of yet. I am currently in the process of filing a law suit with ( XXXX XXXX XXXX XXXX located in XXXX Pennsylvania against the bureaus for negligence.My lawsuit includes will include the following names : XXXX- XXXX XXXX NCAC Operation supervisor XXXX XXXX Vice President and associate General Counsel Equifax-XXXX XXXX Senior vice president enterprise fraud ID theft XXXX XXXX Vice president and group counsel XXXX XXXX XXXX XXXX Corporate Vice president Chief Legal officer XXXX-XXXX XXXX Executive Vice president XXXX XXXX Director fraud and identity management All the following will be named in lawsuit if the following are not removed, This situation has ruined my credit worthiness and prevented me from getting a home. The house my family and I was under contract to buy was sold due to the fact that we could not get this account removed from my credit report.in time before closing. I am extremely upset and will stop at nothing to get this account removed immediately.. If this account is not removed immediately i will continue with my law suit as followed.. The bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Keep in mind that i have already opted out of arbitration. So my grounds to sue are valid. please assist me in removing this account immediately XXXX/XXXX XXXX $ XX/XX/XXXX closed account this account is reporting on all 3 bureaus also address that I dont recognize XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Inquires that were unauthorized XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX members XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Debt is not mine

XXXX XXXX from XXXX called my office line stating I need to call him and discuss about my Cash Call account. I actually got a call from some other person about two weeks ago. When I ask for more information, they ask for my social and birth date for verification. I do not have any loans with Cash Call, so I pulled my credit report to see if someone stole my identity. I did not see any Cash Call loan on my credit also. When I told them that I do n't have any account with Cash Call, they started harassing me that they already verify my social and birth date with my employer. They also started to raise their voice and became very confrontational. I told them to stop calling my work but they keep calling back.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX, the consumer, have contacted DISCOVER BANK on XX/XX/2022, by certified mail which they received XX/XX/2022. DISCOVER BANK, did not disclose to me as required by law that I had the right to opt out of my nonpublic personal information being disclosed to nonaffiliated third parties. DISCOVER BANK has continued to report to the credit reporting agencies after my notice and demand to stop sharing personal financial information with unaffiliated third parties. DISCOVER BANK is in violation of the Gramm-Leach Bliley Act and the Fair Credit Reporting Act these violations are listed : 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), 15 U.S.C. 1681a ( 2 ) ( B )