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

I have unsuccessfully attempted to contact Equifax directly in reference to a negative public mark on my report, even with confirmations of inaccuracies. This bankruptcy item was paid prior to judgement and never had a balance. This case was filled in error in 2013, and was dissolved within days of the filing. 

This same information was conveyed, acknowledge, and removed by the other 2 credit bureaus [ XXXX  & XXXX  ]. However, Equifax did not remove the item and could not be reached other than electronic disputes that merely implemented conflicting rulings. 

I have continuously been subjected to multiple report breeches currently and in the past, which have always made my credit report vulnerable to identity theft and online predators. To my knowledge, Equifax uses XXXX XXXX XXXX as a facilitator and buffer to justify their ambiguous results. I'm open to any suggestions because I feel that I'm being treated unfairly and my credit is very sacred to me. I have exceptional credit and I work very hard to maintain it on a continuous basis. Thank you for listening.
Complaint sub-issue: Account information incorrect

Dear CFPB, I'm writing out of desperation. 

I'm a XXXX XXXX XXXXXXXX customer, and have been using their credit card to pay off a balance transfer. I had set up automatic payment so that {$800.00} gets deducted every month. However, for whatever reason, this feature was turned off without my knowledge, and as a result my credit card balance went unpaid for one payment cycle. I didn't sign-in to my bank account because I assumed it was on auto pilot. 

It's weird that XXXX XXXX  XXXX didn't notify immediately but instead waited 1.5 so that they can charge me late fees. It wasn't until a week ago that I received a notice from them about the outstanding balance. I immediately called XXXX and they re-set up automatic billing ( which still doesn't show up when I log into my online account ). However, the damage has been done as my credit score went from a 727 to a 620. If they had notified me immediately after the first payment was missed, this would never have happened. It is irresponsible of them to wait until late fees have been added and the late payment has been reported to the credit bureau to contact me, especially given that I have never in my 20 years of being a banking customer missed a payment. 

I've always had excellent credit, have NEVER missed a payment in my life, so this is truly a major blow for my financial situation as I'm about to look for an apartment in the XXXX area but with a 620 score, I won't qualify for housing and am looking at the possibility of being XXXX I'm trying to rectify this situation and would appreciate your help. XXXX XXXX XXXX needs to be held accountable for what they did. 

I would like your help in removing the late payment from my credit report. 

From what I can see, they purposefully disabled my auto-pay, did not notify me that the payment didn't go through so that they can charge me late fees. In my 20 years of being a bank customer with many different banks including XXXX, XXXX, XXXX, etc. I have never encountered anything like this. However, I suspect XXXX is doing this to a lot of customers to generate additional revenue in fees. They need to be investigated and stopped. This is how regular, financially responsible people like myself can go from financially stable to destitute and XXXX. 

Thank you so much for taking the time to read this letter. I hope you can help me get this situation sorted out and hold XXXX XXXX  XXXX accountable. 

XXXX
Complaint sub-issue: Information belongs to someone else

Hello. I am submitting this complaint because the credit bureaus have not wanted to help me. I am a victim of Identity Theft and someone has my information, and they are applying for credit accounts without my knowledge. I placed a fraud alert on my report and spoke to the credit bureaus. 

Equifax : Information Research I - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I have spoken to the bureaus on multiple different occasions and they have not been able to help me out in any way. I have even spoken to a supervisor and they will not help me. I am not sure why but i have done everything in my power to get this issue resolved. I am unable to apply for any loan or any credit because i am too scared of someone using my identity.
Complaint sub-issue: Account status incorrect

From : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX AR, XXXX To Equifax Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

1. " DELETE XXXX XXXX  XXXX '' because it is reporting a different Balance Updated date for XXXX  on ( XX/XX/2019 ). However they are reporting ( XX/XX/2019 ) in the Balance Updated section on XXXX. These dates are inconsistent. Dont you get your information from the same company? Delete This Violation Immediately! 
2.DELETE XXXX XXXX  XXXX XXXX because it is reporting a different Balance Updated date on XXXX ( XX/XX/2019 ). However they are reporting ( XX/XX/2019 ) in the Balance Updated section on XXXX. These dates are inconsistent. Dont you get your information from the same company? Delete This Violation Immediately! 

Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Included is My Equifax Letter with screen shot of inaccuracies and a copy of my State Id, Social Security Card, Utility Bill, and Least Agreement. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR , XXXX
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX and XXXX are reporting correct account but EQUIFAX HAVE FAILED TO DO SO I am requesting for my account be added onto my credit report i am sending report from XXXX and XXXX of the account that is not reporting to equifax
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 A 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.
Complaint sub-issue: Was not notified of investigation status or results

Hey on XX/XX/21 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 52 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 52 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Complaint sub-issue: Credit denial

I applied for an auto lease/financing through Tesla at their dealership in XXXX, MD. 
Days later, I learned that the loan was denied. 
When asked for reason for denial, I was given limited information, specifically that I had an insufficient credit history. 
However, I have impeccable credit ; an XXXX credit score. I have paid off 7 car loans in the past 8 years, paid a $ XXXX house off in 2019, and currently own a home which is mortgaged. In addition I have multiple credit cards with limits ranging from {$2000.00} - {$20000.00}, all of which have a low balance, as they are paid in full prior to the end of each month. 
I sent multiple emails requesting more information as to why I was denied. I was never given a response, nor a written explanation as to why. 
After voicing my concern on multiple occasions, I was told they would approve my loan. The terms presented were outrageous. They requested a $ XXXX down-payment on a 36 month lease. 
I have never been requested to make a down-payment on a lease due to my exceptional credit. Their out-ofpocket requirement nearly covered the entire lease obligation. 
I decided to request a loan elsewhere. I was approved immediately, with the lowest interest rate they offer. 
This proves Tesla 's denial for financing, and outrageous leasing terms to be unjust.
Complaint sub-issue: Information belongs to someone else

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXXXX. XXXX, 2020
Complaint sub-issue: Their investigation did not fix an error on your report

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : US DEPT ED XXXX Balance : {$2100.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX  XXXX Balance : {$6600.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX Balance : {$7400.00} US DEPT ED XXXX XXXX : {$5600.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$2200.00} XX/XX/XXXX XXXX XXXX Balance : {$5900.00} US DEPT ED XXXX Balance : {$4600.00} US DEPT ED XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on ENHANCED RECOVERY COMPAN ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a Complaint last XX/XX/2022 requesting that you need to make an investigation regarding to the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Card was charged for something you did not purchase with the card

Discover bank has falsely held me liable for two ATM cash advance transactions that were done using my Discover credit card pin number. The first transaction occurred on Sunday, XX/XX/XXXX, at XXXX ET ( XXXX PT ) for {$500.00} at XXXX XXXX , XXXX XXXX , California. The second transaction took place Monday, XX/XX/XXXX, at XXXX, ET ( XXXX PT ) at XXXX XXXX , XXXX XXXX , California for {$480.00}. The total amount of fraudulent transactions is {$980.00} plus interest that has been accumulating since the transactions. 

I took action the day after I received a call from Discover warning me about the fraudulent charges. Mistakingly, I had misunderstood the Discover representative at the time of the initial call and thought the transactions he was talking about were cash advances I had recently made in XXXX, Oregon a few days before and in XX/XX/XXXX while in XXXX, XXXX. The next day I called Discover to let them know that I did NOT perform the recent transactions. Since this call, Discover has relentlessly tried to find me guilty and liable for these charges by manipulating any information I have tried to give them over the phone. I followed through with a police report as requested by Discover. Unfortunately, the police did not want to look into the situation. The banks where these cash advances occurred also could not provide me with video footage unless the police had requested it themselves. After complying with Discover 's wishes, Thursday, XX/XX/XXXX, Discover called to tell me I was being held liable. I then proved to Discover that I was not in XXXX XXXX, California, or XXXX XXXX, California at the time of the transaction. I called XXXX XXXX and they provided me confirmation of my flight on the XX/XX/XXXX, from XXXX, Oregon to XXXX, California which I faxed to Discover on Friday, XX/XX/XXXX. My university has signed documentation that I was in class on XX/XX/XXXX, and I provided that documentation to Discover on Friday, XX/XX/XXXX, as well. Both of these documents have shown that I could not have been in the area where these charges occurred. 

Monday, XX/XX/XXXX, I reached out to Discover after I received yet another letter addressed XX/XX/XXXX, that they were still holding me liable for the charges after reviewing the documentation that I provided them. After talking to the Discover representative, the reason they are holding me liable is that they believe I could have given my Discover credit card pin number to someone. The representative also said I could have written my pin number down and someone could have seen it. Any person could have been looking over my shoulder when I may have used my pin number. Any person could have been watching video footage of me inputting my pin number. It CAN NOT be disproven that my pin was not compromised when I last used it. There is no way Discover can legally hold me liable for fraudulent charges after I told them many times that the charges were not done by me or under my authority.
Complaint sub-issue: Threatened to take legal action

Last week I received a call from Remex Revenue Management of XXXX XXXX XXXX XXXX N.J. XXXX. Stating that they was hired by XXXX to collect a Debt. of XXXX at that in formed that I had payed some of that. Then I. was inform they going to report this to my credit report. Then I got letter from them dated XXXX 2016 with the same. so I just payed the entire bill due to my illnesses.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

When I submitted dispute to Equifax they requested that I fax in a number of documents. The fax number they provide on their forms is incorrect and has been this way for over a year. I have attached the form. Call the fax number yourself ... it's disconnected Clearly - they haven't corrected it to make the process more difficult for consumers.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

The fact that the law gives me protection as a consumer against false information being simply reported on my credit report has been disregarded by the credit bureaus. I would like to make one last request for analysis before I meet with my own legal counsel so that I may understand how to handle erroneous and unverified materials that are now being regarded as true. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit bureaux to confirm these accounts ( A ). It is prohibited to reject these reporting accounts as unreliable information within the legally allowed time frame without providing any rationale. The following accounts are shown on my credit report as needing enquiry and adjustment because of erroneous reporting : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Don't want a card provided by your employer or the government

I received in US Mail a USBank Reliacard Debit card. I did not know what it was ; I did not sign up for it. I called US Bank Customer Service in XXXX, FL ; agent said it is for unemployment benefits. I am XXXX ; I am not employed. Agent cancelled the card and said she would notify her manager. She advised me that someone has opened a claim for unemployment using my name and SSN. She said to file a complaint with CFB, file complaint with FTC, call the Ohio Attorney General 's Office to report, and notify Ohio Unemployment Services. I have now done all of these. I am in the process of checking my credit with all 3 credit- reporting companies. 
Thank you.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I received an email from Checkr regarding a background check XXXX requires ran before you can obtain employment with them and It had 3 charges belonging to a XXXX XXXX XXXX which is not me and it reflects very poorly... Possibly even make a difference in opinion with wat the charges are and I can not afford that right now
Complaint sub-issue: Report improperly shared by CRC

Someone in Georgia stole my identity, opened fraudulent accounts, and started a Credit Karma account using my old name and social security number etc after my wallet had been stolen. I have finally gotten all three credit bureaus to report only correct information with the help of a lawyer. I contacted Credit Karma to take over the fraudulent account and had to send in proof of my identity. Now Credit Karma refuses to remove erroneous information even after I have paper copies of all XXXX credit reports and none of the false information is listed there. I want Credit Karma to close my account permanently. They allowed a scammer to open up an account in my name and now refuse to correct my information even after I sent them my documents, which is protected under the Fair Credit Reporting Act. I want them to close my account permanently so that nobody else can do this to me. They are perpetuating a crime against me.
Complaint sub-issue: Debt is not mine

When I got a new home phone number the call started.they are looking for the former owner of the phone number.I explained this to them a number of times, but it has not stopped.in fact they have increased.
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 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.

Account Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I contacted progressive insurance about the balance owed in the amount of {$310.00}, and they agreed to waive the debt, stop reporting to the collections XXXX XXXX, and delete the negative trade line.
Complaint sub-issue: Information belongs to someone else

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$24000.00} XXXX XXXX $
Complaint sub-issue: Company closed your account

Closed my account For no reason, Im not even know.
Complaint sub-issue: Problem accessing account

So opened a New Bank Account In XX/XX/2022 in Citibank XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX  NY XXXX Because my dad had past way in XX/XX/2022. He had XXXX Bank Accounts a saving and checking in Citibank. In the XXXX he put me As a beneficiary. So I open a new account under my name. I presented the Documentation that the bank ask me for like XXXX XXXX, his iDs, and my ID and my birth Certificate, and my Dads bank statements.. before I opened the account the Rep of Citibank had verified with their legal team before they handed over my dad funds. Which their legal team said I enough to prove to withdraw the funds which I did.and open the accounts Checking and savings account. When the funds got cleared I started withdrawing money from my account to pay funeral expenses, hotels, Documentation and travel expenses. My XXXX XXXX XXXX XXXXXXXX XXXX Around 20 days later Im having trouble taking out money from my account. I found out my that Citibank restricted my accounts checking and savings and their are closing my accounts within 60 days of the letter.. whatever funds that I had in account they will be mailed to me, but if I wanted my funds sooner I should call or go branch.. I called and went to branch.. they I had wait XXXX and XXXX hours that was XXXX weeks ago.. as well the letter said that fraud activity and need to get verified, I did that. They ask me how I did get the funds to fund account. I told I am XXXX on my XXXX savings account.. they told go back to branch that i open my account to speak with them. I went over there and they did speak with representative that open my accounts. Spoken to few Citibanks Representatives try to help me, tried escalate the matter, written XXXX emails and no response from person that is handling my case. Im getting the run around. Telling they cant do nothin only send email.. this is why I decided to file complaint to see if you get answers .. this adding to much on plate with my XXXX XXXX XXXX XXXX XXXX XXXX. It to much stress.. need to pay XXXX expenses and other things he left unpaid So please help me if need proof paper work, pictures or video, I would gladly send them to you.. I reported to FDIC but they told your institution supervised Citibank