Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2021 Citibank allowed an unauthorized user to access my checking account and withdraw {$16000.00} out of my account. When I contacted Citibank they investigated and said it was my fault for allowing this fraudulent transaction. I dont know what they based there decision on because Citibank allowed an unauthorized user to access my account without my consent or approval.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$55.00} US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}
Complaint sub-issue: Reporting company used your report improperly

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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 any purpose.
Complaint sub-issue: Public record

I have been fighting XXXX XXXX Equifax for over a year the other XXXX credit bureaus have corrected this issue of public recordit has even been removed from the other XXXX credit agencies Equifax is my opinion keeping this on my credit score so I can have higher interest rates when applying or obtaining loansI asked if you will investigate Equifax for wrongfulpractices and reporting on consumers credit reports or if you may refer me to a legal representative to file a lawsuit against Equifax I have uploaded documentation to your services before and nothing has happen please guide me in the right direction resolve this issue
Complaint sub-issue: Reporting company used your report improperly

This complaint is aimed at the credit reporting agency, Equifax, for failing to adequately secure my private and personal credit and financial information. 

Using their website designed to check for the notorious data breach I came to learn my information was compromised. This is the website they told us to use : https : //www.equifaxsecurity2017.com This is inexcusable in a world where credit rules and technology is king. Thus, I am submitting a complaint against Equifax for failing to properly secure my personal credit and identity information and exposing my identity and financial data to unknown sources, along with that of 143 million other individuals. 

Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX  XXXX inquries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX  inquries XX/XX/XXXX XX/XX/XXXX XXXX XXXX  inquiry XX/XX/XXXX XX/XX/XXXX have contacted company with no results
Complaint sub-issue: Debt is not yours

The debt attempted to be collected and affecting my credit is for a bill due to an ambulance service being used. At the time I was picked up by the ambulance I had and still have XXXX coverage. I attempted several times to contact the collection company and they refused to allow me to provide documentation proving XXXX coverage at the time of service provided or assist in getting it paid by my XXXX Were extremely rude and I felt they did not do anything but try to bully me into paying it. I've disputed multiple times and they refuse to remove from my credit. I should not be responsible for a bill/charges that were incorrectly billed by the hospital, when I had valid medicaid coverage that would have paid the bill at the time services were provided.
Complaint sub-issue: Problem with rewards from credit card

I received an offer in XXXX to spend $ XXXX on a card within 120 days and get XXXX points ( $ XXXX ). I spent over $ XXXX - this includes about $ XXXX in spending and $ XXXX in credits, since there were a couple incorrect large charges from vendors that had to be credited, but everything spent and credited on the account happened within the first 120 days. First statement after spending there was no bonus ( within the 120 days ), so I called up and the XXXX XXXX said sometimes it takes an extra statement, but he saw I spent the $ XXXX and would get it by then. Next statement closes, still no bonus. I email them, XXXX XXXX  who responds said it's because of the credit. I call up as I know I still spent the full $ XXXX even with credits, first XXXX XXXX repeats what the letter said, but then added all charges up himself and agrees I am correct and should have gotten the bonus. He speaks with a supervisor who says I'll get it within 7 days. A week later, I get a letter in the mail again stating that I did not spend the $ XXXX and thus am not eligible. I call up and the supervisor I ask to speak with first also says I did not spend the $ XXXX, but then does calculations and says I did, but he says he has no power to do anything except submit another request to a department that handles this, and they will send me a letter.I called up today ( XX/XX/20 ) and the supervisor now finally says that the reason I did not get it is because a charge was reversed but then put on an authorized user card instead of my main card. I called up multiple times when it was within the first 120 days and the customer service rep said everything was fine, I spent the {$10000.00}, and I would get the XXXX. Nowhere did they say that it had to be on the main users card and not an authorized user, or else I easily could have put the remaining spending on my card instead of my wife 's. I have never before had an account bonus where all spending had to be on the main user card in my 38 years, and the fact that XXXX customer service agents told me I was ok as well as a supervisor, and it was within 120 days when I still could have spent the money when I called and they told me it is ok, should be enough for US Bank to please make an exception if that is the issue and please issue the XXXX points. I've never had a bank act this way before, and the fact that the customer service agent made an error on this and I could still have spent the money, I would ask that US Bank please keep a business customer and make an exception to post the XXXX points.
Complaint sub-issue: Other problem getting your report or credit score

There was a major security breach at Equifax. I found out about this on XXXX today XXXX XXXX XXXX, XXXX ). Not from the company, not from any other bureau, but on XXXX XXXX thank you XXXX XXXX. I checked Equifax and it told me my information was likely compromised, but that I should contact them on XXXX XXXX, XXXX to take further action. At that point I decided to freeze my credit through Equifax, XXXX, and XXXX. Not only is this inconvenient for me, but I had to pay a total of {$20.00} to do this. So, in essence, I am having to fund the company that lost my information in order for them to agree not to further release my information. That is unacceptable. 

I also find the entire credit reporting racket to be unacceptable. We can not track our own credit scores without paying for a service. We can only get credit reports for free once a year. There are no posted guidelines on how to improve your score because each place has their own proprietary way of handling things. 

Identity theft is just going to get worse if we insist on having everything tied to a social security number. Giving these credit bureaus full control over all the buying power of Americans, without them having to say how to improve your standing is also terrible. This should be a wakeup call that this needs to change. It is only going to get worse if it does n't.
Complaint sub-issue: Information belongs to someone else

the following accounts that appear on my credit report are not mine, they were not authorized, please review Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act these accounts below have violated my rights. 

15 U.S.C 1681section 602A states I have the rights 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.. 


XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$80000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took too long

I disputed XXXX medical debts with Equifax the end of XXXX 2015 via the CFPB. I was told I would receive results from the investigation within 30 days. I have not received anything from them via mail or email. These debts are not mine and should be removed from my credit report. As of end of XXXX, XXXX debts continue to report on my credit report.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 credit bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX I mailed a certified dispute letter to AFNI inc and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Complaint sub-issue: Problem with fees

I submitted a payment that was due on XX/XX/XXXX, and was received by XXXX XXXX on XX/XX/XXXX, a whole seven days prior to my due date. However, I still received a late fee. I have had issue after issue with late fees with *only* this card and company. This is the only card that takes five+ days to credit my account when using XXXX XXXX XXXX bill pay, so now I have started paying early to attempt to avoid the continued fees, obviously now, to no avail. 

In the last complaint the company blamed XXXX XXXX and indicated that I needed to have XXXX XXXX message/contact them to correct the issue. XXXX XXXX said they released the money to XXXX XXXX after their 2 business day delivery window and that the extended amount of time for XXXX XXXX to post the payment was on XXXX XXXX and there was nothing they could do other than print out the release of funds statement, which I had already supplied to XXXX XXXX in numerous previous complaints about this issue. I am unsure what to do, other than assume I am paying interest and a $ XXXX monthly fee ( late or not ) at this point.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have called and written Equifax several times regarding the inquires on my credit profile which are : XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I have no open accounts with these companies and Equifax refuse to updated this inaccurate information on my credit profile.
Complaint sub-issue: Was not notified of investigation status or results

I received two confirmation # 's from Equifax pertaining to disputes I filed with them about incorrect information on my credit report. They notified me my Equifax dispute has been completed. Confirmation # 's XXXX & XXXX. I have been unable to get the results because their online system continually gives an error message when requesting a copy of the results. I have made repeated calls to Equifax customer service and the call center workers also report that they too get error messages when entering in the confirmation # 's. I have called in to Equifax customer service asking for a member of management and I have been repeatedly placed on hold for long periods of time and eventually been disconnected.
Complaint sub-issue: Was not notified of investigation status or results

I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have received several notifications about for a hard inquiries on my credit report which to the best of my knowledge was not initiated by me. I did however contact these companies to resolve this issue and also filed a report for investigation with the credit bureaus but this has gone unsolved. The hard inquiries are still on my credit profile and has made my score go down greatly and I still haven't been heard. Both XXXX  and XXXX  are reporting inquiries on my file differently.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2020 I was served eviction papers because I refused to comply with an illegal removal from my rental home. The case went to trial in NC XXXX XXXX XXXX on XX/XX/2020 and was dismissed with prejudice. In summary, I won the case.
Complaint sub-issue: Debt is not yours

I was a PAY AS YOU member at XXXX XXXX  XXXX  back in 2015. As per sign up when I didnt want to use the facility anymore I could leave with out any repercussions. XXXX  XXXX  XXXX  sent me to a collection Agency MG Credit court. when I seen this on my credit I disputed them. In the dispute I specifically asked for original contract signed with XXXX XXXX  XXXX. They have yet to produce the contract. I continually ask them to remove their company from my credit report. With no such luck. Now I am reporting to consumer Financial protection in attempt to have them prove the debt with original documents or remove from my credit.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I moved out XX/XX/2018 when they changed management, I called to inform them of the move and wasnt able to speak to the proper person. They keep sending notices when I dont owe them anything and now theyre trying to sell my information to other companies if this dont resolve the issue I will take further actions.
Complaint sub-issue: Information belongs to someone else

There's an obvious mix up within my credit report, I found errors and accounts that's not mines. I'm asking that the account XXXX XXXX XXXX  be removed / blocked from my report the account says it was opened XX/XX/XXXX, but the inquire saysXX/XX/XXXX, it doesn't match up nor is it mines. In addition there's an account XXXX XXXX opened dateXX/XX/XXXX, that says a joint account, I never cosigned or jointly associated with anyone. I'm asking that this account be blocked/ remove in accordance with the law of the FCRA . Lastly account named XXXX XXXX XX/XX/XXXX is not mines and I'm requesting physical documentation of this account or in accordance with the FCRA this account shall be removed.
Complaint sub-issue: Public record information inaccurate

SafeRent Solution XXXX has assumed a role as a credit reporting and screening company. Were uses be rental agencys submitted a report to XXXX XXXX XXXX suggesting my leasing application be denied based on the report generated by them. 

Data within their report is incomplete and displayed in a misleading way. It appears as if I have an open judgement from 2015 for eviction with a balance of {$4200.00}. This report omits disposition data. 

This is inaccurate and harmful reporting which has caused me harm as with ANY one considering leasing to me would certainly decline the application. Which is exactly what XXXX XXXX XXXX did at the recommendation of this third party company, SafeRent XXXX.
Complaint sub-issue: Problem with balance transfer

US Bank 's online account access site, in its Balance Transfer customer flow, states that a balance transfer can not be requested above the cardmember 's total available credit. This is factually false, as US Bank has a secret cap on Balance Transfer requests not disclosed in the CMA and not called out, or even alluded to in the online request screens. This secret cap is known only to customer service agents. When I called US Bank customer service on XX/XX/14, the representative knew about the secret cap but was unaware of how to calculate it. She had to confer with a supervisor for 10 minutes to be able to explain how it worked. She then stated that it would be easy for cardmember 's to figure it out, even though 1 ) it is disclosed nowhere and 2 ) phone agents themselves are unable to figure it out on their own. US Bank should be required to disclose their secret rules for the amount a balance transfer can be requested for. I had to try three times, getting rejected over and over, until someone finally was able to dig up the balance transfer authorization rules used by US Bank.
Complaint sub-issue: Information belongs to someone else

My personal information has been compromised due to the recent Equifax security breach.
Complaint sub-issue: Threatened or suggested your credit would be damaged

This account was placed on my credit profile by ENHANCED RECOVERY without my consent wich is in violation of FDCPA and FCRA rules and Reulations, this account was purchsed for profit and is Unverified and or Inaccurate.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to establish an account with Discover Bank. ( Acct ending XXXX ). A formal dispute of this account was sent certified mail with return receipt to Discover Bank at the listed XXXX XXXX NY address however as of this date nothing has been received to verify they have conducted an investigation into this issue ; as is their obligation under federal law to do.
Complaint sub-issue: Account status incorrect

I have on many occasions asked XXXX XXXX to verify or validate the account that they have on me. They have refused to supply me with any documentation which states I owe them other than a letter. I specifically asked for this last week. Customer service XXXX stated they couldn't provide me with it on one occasion during our conversation and that she would provide me with any paperwork that would state such. I have a recorded record that will prove this claim of my conversation with their agency rep XXXX refusing to provide me with such. She stated I was in a no contact status, however, they sent me paperwork 2 weeks ago while under such agreement but withheld any documents showing their ownership or my obligation to them. 
I have also asked all 3 CRA for copies of verification and validations. I have also asked the reporting agencies for proof of their specific methods used to verify the account. I have not received any response from the XXXX reporting agencies yet. While its not my intention to sue the firm, I will file with the FTC and provide the audio recording as proof.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Dear Sir or Madam, It is with great spirits for a prosperous 2023 that I hope this email finds you. For me it is very exciting to be a XXXX customer. Aside from a checking and savings account, I also opened a secured credit card. 

The XXXX app provides, as a courtesy, an update report on ones FICO score. As I closed a XXXX XXXX credit card recently, my score experienced an enormous drop last month. 

On a greater level, I opened these accounts to develop a stronger relationship with XXXX. The app identifies Equifax as being the source for the score. However, when reviewing my consumer file, with this agency, my XXXX credit card is not reporting. 

Credit reports sometimes contain information that is inaccurate. However, a scenario in which missing positive information has now presented itself. And it is to this agency that subsequent scoring models are used by XXXX in considering future offers. 

After reaching out to Equifax and spending quite some time on hold, and escalating this to a supervisor, they delegated this back to the lender ; in this case XXXX. 


The mission of XXXX has been to engage in good business practices that protect consumers, and their access to credit. Can you kindly look into this and please see to it that the account is properly reported, along with prior months, along with future ones as well, and provide an update? 

Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Complaint sub-issue: Public record information inaccurate

I submitted a complaint on XX/XX/XXXX, to XXXX and LexisNexis regarding false information reporting on my credit report. LexisNexis has responded to the case ; Complaint ID : XXXX. I attached the document from LexisNexis regarding the bankruptcy that has been removed from my report since XX/XX/XXXX. 

XXXX informed me in XX/XX/XXXX, they received verified information from LexisNexis and this is why they did not remove the bankruptcy reporting from my credit report. 

XXXX has not provided any response to my other complaint ; COMPLAINT ID : XXXX. 

I am officially requesting LexisNexis to provide XXXX with updated copies of my consumer report since XXXX is falsely accusing LexisNexis to verify such information that does not exist. 

Per LexisNexis " Although LexisNexis Risk Data Management ( LexisNexis Data Management ), a LexisNexis Company, sells public records in bulk to a variety of customers, including consumer reporting agencies such as XXXX, XXXX, and XXXX, LexisNexis Data Managements role is limited to providing its customers data it retrieves from courts, including updates to existing records. ''
Complaint sub-issue: Information belongs to someone else

I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have no obligation to pay this collection agency, never had an account with this company. Please delete immediately before further harm is done ... XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX A )