Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I have called and mailed all three agencies to remove tax liens from my credit report and a judgement that was paid and ex husbands liability and was resolved over 2 years ago. 
Please have XXXX, XXXX and Equifax remove this from my credit report and rescore my credit. 
Thank you! 
The Consumer Financial Protection Bureau said the federal regulator had received roughly XXXX credit-reporting between XX/XX/XXXX and the end of XX/XX/XXXX. A CFPB report issued early this month said many consumers complain that nothing changes when they dispute items in their credit reports, even though federal law requires the credit-reporting companies to conduct a reasonable reinvestigation and update the data to show necessary changes or delete the item.
Complaint sub-issue: Problem using a debit or ATM card

I am a retired man living on a fixed income. On XX/XX/2021 at XXXX ( EST ) my entire savings, totaling {$34000.00}, was stolen through a series of online banking transactions in a matter of minutes. Someone hacked my account. 

I had {$7300.00} in my Citibank checking account and {$30000.00} in my Citibank savings account. Someone hacked into my checking account and made a XXXX transaction for {$2500.00}. The individual then immediately transferred it into my savings account. Then the individual used a wire transfer of the entire {$34000.00} savings account balance to another bank. 

I have attempted to have Citibank reverse the transactions including this {$34000.00} fraudulent wire transfer for several months now with no success to speak of yet.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Credit card companies do a ton of marketing via internet, television, direct mail, etc. The recipients of this advertising is targeted to individuals that are peak consumers of durable goods and services. Those in the life-cycle of early to mid XXXX  ... those that need everything from vacuum cleaners to microwave ovens. To my knowledge, there has never been an ad that warns consumers of the dangers of debt and encourages the responsible use of credit. It is my proposal that credit card entities allocate 20 % of their ad budgets to serve 'warnings of excessive debt ', responsible use of credit, maybe testimonials from those individuals that lives have been destroyed by borrowing/or buying-in to the slick ads that promise : enhanced lifestyles, expedited processing of credit lines, care-free living, etc. There is a huge need for this reality check. Young adults are strapped with student loans and are bombarded with credit offers that result in nothing short of a train wreck lifestyle. BIG Lenders use BIG budget ads for new business with no moral compass for the fallout and that needs to be recognized and addressed-quickly.
Complaint sub-issue: Problem getting my free annual report

Neither equifax nor experien have a process that works. Online they collect the information then say they ca n't do it, when you call they route you to a dead phone. 
Just a run around. 
Both should be fined heavily for proliferating incorrect information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX - XXXX XXXX  XXXX 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 instruction
s. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX 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 instruction
s.
Complaint sub-issue: Reporting company used your report improperly

Credit report with PII leaked due to breach.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2018, I discovered that my ex husband opened a joint credit card account without my knowledge, which I was alerted to when it impacted my credit score negatively. I filed an Identity Theft Report with the FTC, the 3 credit reporting bureaus and XXXX card ( the issuing creditor ) on XX/XX/18. XXXX claimed to " investigate '' the matter but did so without contacting me at all. Their determination was that the account was opened online without my signature but with my correct personal information, had been open for 4 years so they claim it is a valid joint account, the credit card information went back on my credit report and is again affecting my credit score negatively. 

I NEVER gave permission or consent to be a joint member on this account. I have never used this credit card account, not one single purchase. I never saw one credit card statement that came to the house. This account didn't exist to my knowledge prior to XX/XX/2018. It was opened over the internet, not in person ; there is nothing to indicate I am a willing member of this joint account. My ex husband had my personal information because we were once a couple, pure and simple ; he then used that information fraudulently. I want XXXX to recognize this is legitimate fraud, to remove my liability from this debt and remove it from my credit report.
Complaint sub-issue: Can't use card to make purchases

Tried to use my CITI Costco Business card on XXXX/XXXX/2017 at a restaurant. It was declined twice. Called up the Customer Service number and was told that the Citi Executive Response Unit has made the decision to cancel the account and they can not give me a reason. I am supposed to mail a letter to Executive Response Unit, XXXX XXXX XXXX, XXXX XXXX, SD XXXX and wait to hear from them. That is the only way I will get an answer. There is no telephone number to contact them. Meanwhile ; I am left with no Business Credit Card for reasons unknown to me and Customer Service at CITIBANK will not answer any questions
Complaint sub-issue: Reporting company used your report improperly

Hi, I 'd like to file a complaint against Equifax and their handling of the hack that occurred the last few months between XX/XX/XXXX - XX/XX/XXXX. Equifax did not immediately contact customers letting them know their personal information is subject to the hack. I find this unethical. Equifax should provide free credit monitoring and provide a free security freeze to victims of the attack. They have n't been transparent about this and I believe the company should get shut down due to their unethical behaviors and handling of the XX/XX/XXXXhack that breached 150+ million " customers. '' I do n't appreciate that a third party company has my social security number, address, phone number, etc. I do n't elect to give them this information. There should be a better way to verify identities when creating credit cards in the US. I hope this hack creates different legislation going forward in the US. I have contacted my Senator in  California and will continue to voice my opinion on the handling of the Equifax hack. The company deserves what it has coming to them.
Complaint sub-issue: Information belongs to someone else

id theft victim this account is not mine XXXX Opened XX/XX/2019 {$350.00} Original creditor : XXXX XXXX XXXX i have free cable through my moms work
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX {$1700.00} is reporting inaccurate information. This debt was settled out and paid in full. There is NO BALANCE! Account opening date is INCORRECT AS WELL! PLEASE DELETE! 

XXXX XXXX XXXX {$17000.00} is reporting inaccurate information. The debt is completely WRONG! I even sent proof of my lease, to this XXXX XXXX XXXX and was told this would be removed. Which is STILL on my report! XXXX XXXX XXXX is committing fraud! Even tried to get a rental assistance funding in my name as well. For not wanting to renew my lease another year, which i got a lawyer involved in. PLEASE DELETE FROM MY CREDIT REPORT! 

XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The Payment status is incorrect! PLEASE UPDATE TO PAID ON TIME!! 

XXXX XXXX as of XX/XX/22 is reporting inaccurate information. This account was NOT A CHARGE OFF!! THIS WAS PAID IN FULL! REMOVE THE NEGATIVE REMARKS AND UPDATE!! 

XXXX as of XX/XX/22 this account was paid in full. PLEASE REMOVE FROM CREDIT REPORT!! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The amount past due is incorrect and the remark! This was NOT A CHARGE OFF! PLEASE DELETE FROM REPORT! XXXX as of XX/XX/22 is reporting inaccurate information! The account status, payment status and amount past due is INCORRECT! PLEASE DELETE FROM REPORT! 

XXXX XXXX XXXX  as of XX/XX/22 is reporting inaccurate information! The remarks are incorrect and this was PAID IN FULL! NO CHARGE OFF! PLEASE DELETE FROM REPORT!!
Complaint sub-issue: Investigation took more than 30 days

FILED A DISPUTE ON XX/XX/XXXX CREDIT AGENCY STILL HAS NOT FINISHED THEIR INVESTIGATION WHICH PER THE FAIR CREDIT REPORTING ACT, SECTION 611 ( A ) ( 5 ) IF YOU CAN NOT VERIFY THE INFORMATION WITHIN THE 30 DAY TIME FRAME YOU MUST DELETE ALL THE DISPUTED AND UNVERIFIED ACCOUNTS.
Complaint sub-issue: Debt was result of identity theft

I contacted Mobiloans after finding a loan on my credit report. I contacted the company and asked for all of the information regarding the debt including the paperwork and I never received any information. The company continues to call me and my family members NUMEROUS times and will not remove the information from my credit report. I 've sent numerous letters via priority mail with receipt requested asking for debt validation and the company does not respond, however, they continue to report negatively.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit Bureau is not correcting my payment history on my old XXXX XXXX account. This car loan has been paid off in full and is closed. That part is correct, the loan has been paid off and is correct. The incorrect information is the fact that it states i was late 3 times on XXXX, XXXX and XX/XX/2014. That is incorrect. I was never late these dates. I contacted XXXX XXXX and they agreed, but said I wuld need to contact the Credit reporting agencies. I've tried that several times and each time they immediately turn around and say the information is verified, but they have not verified the information, because those lates would come off. 

XXXX XXXX account : XXXX
Complaint sub-issue: Information belongs to someone else

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX  # XXXX -XXXX XXXX # XXXX -DISCOVER FINANCIAL SERVICES # XXXX XXXX XXXX XXXX # XXXX
Complaint sub-issue: Was not notified of investigation status or results

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Complaint sub-issue: Public record information inaccurate

A bankruptcy is inaccurately showing on my report. It should be removed. This goes back to 2013. Please remove this from my report.
Complaint sub-issue: Fraudulent loan

CarMax Auto Finance has never gave me a loan. CarMax keep sending me bills. 
CarMax never responded to my Affidavit. 
I request CarMax Auto Finance send me an audit trail accounting to Generally Accepted Accounting Principles ( GAAP ). 

I, the consumer participated in a consumer credit transaction. 
I'm the original creditor, lender, executor administrator and holder in due course. 

See Affidavit sent XX/XX/XXXX XXXX
Complaint sub-issue: Company closed your account

CFPB Write up n 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 XXXX XXXX XXXX. XXXX XXXX Account paid full charg off. 1 XXXX XXXX XXXX, mi XXXX
Complaint sub-issue: Investigation took more than 30 days

****** Company 's Response to # XXXX XXXX Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Please be specific by listing the account names, numbers, and nature of the dispute. Please provide the requested information to Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX. 

****** Feedback to # XXXX ****** Here is another example of how feckless the CFPB is, worthless Gov't that serves no real purpose. 

The CFPB allows the people it regulates to close it's own complaint, self regulation & justification of giving an address that was used to start the dispute process with the Credit Bureau ... If that was a functioning process, I would not be here with a CFPB complaint.. DUH?? 

How is " Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. '' how is that responsive to the consumer concerns? 

************************ To demonstrate how impotent this process is, I'm having to detail a 2nd complaint ... where the 1st was non-responsive. As shown in the original complaint ... I took the required step to dispute derogatory info on my report by hand written detail of the information show to XXXX XXXX as being on my report.. 

The dispute was not performed and thus, the Credit Bureau refuses to remove these items on day 31 ; as my rights under the Fair Credit Reporting Act demands..
Complaint sub-issue: Their investigation did not fix an error on your report

I've disputed this account because it is incorrectly reporting on my EQUIFAX credit report. 

I've attached the screenshot of my report I paid for today XX/XX/2020. You'll see that on XXXX it is " Exceptionally payment history ''. I've never missed a payment
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft. The inquires from this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.
Complaint sub-issue: Was not notified of investigation status or results

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Public record

I contacted Equifax in regards to a public record for a chapter XXXX bankruptcy list on my file. I disputed this public record mark and asked for verification and they said it was valid. I then contact the bankruptcy court to ask for three procedure in reporting to the credit bureau 's and they responded that they do not report any information to the credit bureau 's. Equifax must have pulled this information from a 3 rd party and the court verified it with me that they do not report to credit bureaus and therefore the public record reflecting this information must be deleted from my credit report.
Complaint sub-issue: Trouble with how payments are handled

I am a cosigner to my daughters loans and she is unable to pay at this time. I am unable to pay current payments because they are too high. I have tried talking to the Lender and they are unwilling to do anything to make repayment possible. They are unwilling to reduse interest or extend loan term. They say there is nothing they can do to help.
Complaint sub-issue: Received bad information about my loan

I received a credit score hit due to payment delinquency for a student loan XX/XX/XXXX. I reached out to citibank XX/XX/XXXX to request that they clear this issue given the circumstances at that time : 1 ) I never received the notification that XXXX XXXX was going to sell my loan to citi because I physically moved residences and therefore 2 ) I did not realize I had to re-establish an automated payment calendar with a separate entity which led to the 3 late payments before I took notice and paid. Given that I have a stellar history of making payments and had advance paid the entire amount in full, I requested that citibank take off the hit on my credit records. I started with calling the citi gold desk because I have multiple products with them ( e.g. checking, credit, mortgage, etc. ) and they indicated that i 'd have to reach out to the student loan department directly. Citi Student loan had no record of me, so I reached out to XXXX XXXX, who then routed me to XXXX, who then routed me back to Citi. 

Citi claimed that they do n't see the account being cleared, and said that they will leave an open dispute on my credit report. While i have paid the full amount of the loan, I still see a {$0.00} transaction log every month and neither XXXX XXXX, XXXX, or Citi is able to see or close/clear this account and are constantly re-directing me. 

My main ask is to take back the credit hit score since I have paid off the entire loan in full in advance and to close the account because I still see a {$0.00} ACH debit coming through even if the loan is paid in full. But no matter who I call, I get routed and no one is able to find my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed the attached enclosures to the three major credit reporting agencies disputing the negative report on my credit record. XXXX and XXXX received my mail and quickly deleted the debt from their record. 
Equifax failed to follow their footsteps. Without stating a reason only stated " We have verified that this item has been reported correctly '' ( See the enclosed Equifax response ). 
Not sure what they saw or read that the other two reporting companies missed. The only thing I can think of is that they never bothered to read my submission.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Discover card has not given a good reason why they allowed XXXX XXXX to steal money from my account. Also I have proven that the work from the merchant was incomplete and not done correctly and the quality of work was inferior. The balance on the Discover card for the amount in dispute will not be paid to Discover card. Discover need to follow the rules of Regulation E. Regulation E being the consumer protection rules from the Federal Reserve Bank. Discover card is not above the law and needs to comply with this law. I have sent all the proof and pictures and documents needed to correct this issue, but Discover Card does not want to comply. 

Again the credit card balance of the disputed amount will not be paid by me. 

XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I submitted two PSLF employee certification forms for my employer at the time, XXXX XXXX XXXX XXXX. I submitted these on XX/XX/XXXX. The first was for employment from XX/XX/XXXX - XX/XX/XXXX and the second was for employment from XX/XX/XXXX - XX/XX/XXXX. I received multiple communications from fedloan that were either incorrect or unhelpful. First, after 3 months, they said the certifying official from the school district didn't include her telephone number. That wasn't true and I resubmitted it showing the number was on there on XX/XX/XXXX. After that it was just communication saying they were working on it. I explained over and over that this was the same employer I had received PSLF credits for previously and there should be no difference. They couldn't explain why it was different this time. After what has been 8 months, they asked for w2's.I don't have w2 's going back that far and it will take forever to get them from the school district. Again, this is a public school district and the same one I received qualifying payment credit from fedloan previously. I'm attaching the two forms I sent fedloan. This is going to cause me to not be eligible for the expanded PSLF and is very upsetting.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/2019 I contacted Pro collect via chat to attempt to negotiate a settlement amount. I was advised that was not possible because their company does not provide settlements. I was told to pay the balance in full and given payment options ... I disconnected the chat ... I proceeded to go online and make a payment of {$180.00} plus the company charges a {$7.00} processing fee bringing the total to XXXX to be deducted out of my checking account.. I was called this morning XX/XX/2019 on my new telephone number that they shouldn't of had and advised that I had a balance of XXXX from an old apartment and that I've made {$660.00} worth of payments in XX/XX/2019 and XX/XX/2019 ... I was told that the payment of {$180.00} that I made online would not be processed because I have to pay the full balance of {$1300.00}. I told them I don't have the full balance.. The representative then proceeded to tell me in a very rude way that I needed to make that payment now or he would mark my account as refusal to pay. I made payments and attempted to make a payment yesterday and this morning I was advised my credit report would be marked as refusal to pay and that's not fair.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts Hard Inquiry- XXXX XXXXXXXX XXXX Hard Inquiry- XXXX XXXX XXXX XXXX XXXX XXXX