Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a call from a someone claiming to be XXXX XXXX who used an old phone number I do not use to convince me they were XXXX XXXX and that they wanted to give me an additional line of credit or loan, by the time I realized these people were not XXXX XXXX it was too late. 

I called XXXX XXXX and confirmed that XXXX did not perform a hard inquiry nor did they offer me a new line of credit or loan, their fraud and security division told me to notify the police and the credit bureaus. I was told that when contacted XXXX would confirm that they did not call me or make a hard inquiry on my credit file. 

I reported what occurred to in the town the incident occurred in XXXX XXXX, CT police department case # XXXX I also opened a dispute on Equifax
Complaint sub-issue: Information belongs to someone else

The vehicle loan was traded in to a car dealership and it still appeared under my credit report after XX/XX/2017. The derogatory comments should be removed from my credit because the title was transferred in XX/XX/2017.
Complaint sub-issue: Reporting company used your report improperly

In according with the Federal 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 belongs to someone else

I am writing this today insisting to delete the following unauthorized information on my file. With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. These inquiries and collections are fraudulent. I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report. No consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 ) -THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA CXXXX : CFPB 1700 G st NW, Washington , DC 20552 FTC XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX Attn General XXXX Floor, XXXX XXXX, XXXX, pa XXXX
Complaint sub-issue: Problem with personal statement of dispute

On about   XXXX   XXXX   i had my home depot account switched to my business checking for auto pay and  XXXX  dollars over the min payment and then I get notified on the   XXXX   XXXX   XXXX   that im 2 months behind they have record of me switching it but evidently messed up and put auto pay for   XXXX   XXXX   then told me they could not do any thing to reverse what had  XXXX  reported to credit agency so this has ruined my 8 years of  XXXX  percent payment history and dropped my score now my other credit cards have lowered my limit by thousands inaffect raising credit utilization lowering score more and raising interest and payment I have worked really hard at having  XXXX  percent history and never make min payment for 8 years for this to happen over home depot mistake is not rite and for other cards to lower limit raising utilization is even worst I hope someone can help me thanks  XXXX
Complaint sub-issue: Information belongs to someone else

LET IT BE KNOWN THAT THIS IS MY SECOND ATTEMPT TO HAVE THIS UNVERIFIED INFORMATION REMOVED FROM MY CREDIT REPORT. IF YOU CONTINUE TO IGNORE MY REQUEST TO VERIFY THESE ACCOUNTS ( I.E. : AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) I WILL BE FORCED TO SEEK REFUGE IN COURT SEEING AS YOURE VIOLATING MY LEGAL RIGHTS AND ABUSING YOURE AUTHORITY. ITS BEEN 30 PLUS DAYS SINCE MY LAST REQUEST, PLEASE SEND ME PROPER VERIFICATION ON THE FOLLOWING INQUIRY ACCOUNTS OR DELETE THEM.
Complaint sub-issue: Information belongs to someone else

Fraudulently opened in my name I have provided this company my FTC report and police report and still no results.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : XXXXXXXX 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

I Can see Activity In My XXXX XXXX  That I Applied For The XXXX  XXXX XXXX  XXXX Credit Card. But I Did Not Applied for Any Card I only Have Two Cards with XXXX  XXXX XXXX  No Other Card. And It's a Hard Inquiry. May be someone use My Identity. Because I called XXXX XXXX XXXX  and they said they can not see any new account open. please Check what is going on. Because I am worried. My credit Score is very good right I do not loose my score because I am planning to buy a house.
Complaint sub-issue: Account information incorrect

First of all, the option should be on here the way Credit Bureaus are factoring our scores. I see this is not one of your options, so here is my complaint. I paid my Mortgage off and all three Credit Bureaus decreased mine and my Husbands score by 40 or more points therefore leading to some of my credit cards decreasing my limits due to my falling credit score making it even worse. There will probably be more to decrease my limits. I would like to know why in this country are you penalized for using credit then your penalized for paying that credit off? This makes absolutely no sense what so ever. The factors should be changed.
Complaint sub-issue: Account status incorrect

XXXX keeps touching my credit about every 2 weeks and causing my score to continuously drop. Drop allot. They are adding remarks, then removing them. I call and they have no knowledge of this or do not know how to handle it. Or they don't see a record of my calls etc. They are ruining things for me and should not be adding remarks every 2 weeks. Also stating I am in a natural disaster and then calling me, emailing me for payment and have no record of this natural disaster, was never asked about it or to enroll in it. They do as they please with my loans and credit score. I get nowhere calling. They keep losing record of calls and info.
Complaint sub-issue: Can't use card to make purchases

CITIBANK on numerous occasions have unethical banking practices and has misappropriated funds. Citibank has discriminated against me as a customer and consumer, Citibank is recorded retaliating against me and violated my banking rights. Citibank in multiple instances have not properly adjudicated claims according to the law, have charged fees that were not owed. When I raised complaints with Customer Service Management, Corporate Office ( Citibank Executive Response Unit ) and Citibank Legal, regarding being harassed by a Citibank associate, my Privacy rights being violated and being antagonized and hung up on by Associates and ultimately disrespected. My phone calls are being evaded, I am prevented from speaking with and opening complaints with the Executive Unit and not being allowed to inquire on my accounts. I have been prevented access from my own funds and not allowed to view my transactions. I was charged banking fees to my Checking account erroneously and most recently a claim for {$230.00} was not adjudicated according to California State guidelines. In addition, My secured credit card was closed due to retaliation due to my advising I will seek legal advice. My funds have not been returned and open claims have not been legally resolved. My Citibank Visa was not graduated to a revolving account as advised and after consistent on time payments in which I called and made numerous complaints with no response nor solution from Citibank. 
Citibank has blatantly misrepresented and attacked my character and made false claims as a means to cover up their unethical bank practices, conduct and illegal activities. I have been unable to view, access and perform transactions on my account. I have been prevented from escalating to the department that investigates disputes. My Consumer rights have been grossly violated and Citibank has performed in a criminal capacity as well. There is legally recorded evidence as well as written. 
Past incident dates include but are not limited to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

At approximately XXXX on XX/XX/2022 i received an email from Citi Bank saying they have received my application for a credit card which I did not apply for. I have reported it to their fraud dept.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late and also reporting a collection/chargeoff I the amount of {$5200.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a XXXX dollar balance. This false reporting of not only lates but a collection/chargeoff on an account with no outstanding balance, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Account status incorrect

CFPB + Equifax, On my XX/XX/XXXX credit report it shows I have a 30 day late payment on my car loan - this is inaccurate as I paid on time - and would like this fixed. 

Attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - my XX/XX/XXXX credit report showing it currently says it was 30 days late on XX/XX/XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

This debt is from over XXXX ago
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I run a small social service company and for about two years I have been told I qualified for XXXX towards my student loans. This year I was told I did n't qualify because we are not Non-profit. We service the states XXXX department, and local tribes and families that have children with XXXX and severe XXXX XXXX. I do n't understand why all of a sudden we do n't qualify. The description says non-profit or social service. 
This is also bothersome because my workers that have student loans start to think about leaving because their loans do n't qualify as well and leaves a small agency like mines struggling for qualified workers. I have contacted XXXX numerous times and they are of no help.
Complaint sub-issue: Reporting company used your report improperly

The Equifax credit breach is well known. Equifax is located in XXXX, GA, and I have confirmed that our personal ( extensive ) information was involved in the hack that stole this information. I refused to participate in their protection program after the fact, since it required us to give up court action as a remedy. 

As a result, I have signed up for a mid-level XXXX monitoring program, at a cost of {$43.00} per month. My wife and I are both XXXX, and her family has a history of living into their late XX/XX/XXXX. Therefore, 20 years of this credit monitoring will cost {$10000.00} -- without providing for any price increases over the period. This is a substantial, unbudgeted expense for our fixed incomes. It was necessary to protect the modest assets we own. 

I want {$10000.00} from Equifax to cover this expense. I do not want to participate in a class action suit in which the attorneys walk away with millions and I get a check for {$5.00}. I want {$10000.00}.
Complaint sub-issue: Can't close your account

My account was hacked and Ive been trying to call and chat with them but their phone numbers dont work and they keep passing me around from agent to agent and now I cant get ahold of anyone. I just want them to help me with my hacked bank account and they wont.
Complaint sub-issue: Information belongs to someone else

This account with XXXX XXXX is not mine. I have several emails from XXXX claiming that they are deleting this item. I am attaching a letter from XXXX XXXX indicating that they are removing this item from my credit report
Complaint sub-issue: Reporting company used your report improperly

XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX The companies listed above are reporting inaccurate/unverified information.The companies are reporting a paid, closed, or satisfied account as open with a balance. 
I recently check my credit report and see that UNVERIFIED/FRAUDULENT information is being reported to my account. 
Thursday, XX/XX/2018, I called XXXX XXXX Company. I spoke with a XXXX XXXX which I have a voice recording for proof. The representative stated that Alleged Debt Of {$550.00} was sold meaning the debt was satisfied. The Alleged debt is being reported as a late/open account which is closed and needs to be removed. The alleged debt was sold to who XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX for {$550.00}. With whom I have no contact with, I did not grant permission or authorize the use of my information to be reported in any way. This is identity theft I do not know who XXXX XXXX XXXX is and I demand this information be removed immediately. I have requested that this Alleged that has been satisfied removed from my report. 

XXXX XXXX XXXX XXXX UNVERIFIED XXXX XXXX UNVERFIED
Complaint sub-issue: Public record information inaccurate

eqifax claim i have a tax lien, court house do not report to credit bureau they claim they got information from third party from XXXX XXXX, XXXX XXXX dont show no report of tax lien i been fighting this since XXXX of XXXX as now they refuse to removed the tax lien unfair practice.
Complaint sub-issue: Account status incorrect

XXXX, Equifax, XXXX, XXXX XXXX and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from XXXX XXXX and XXXX XXXX and refusing to allow me to dispute it. I contacted both XXXX XXXX and XXXX XXXX, regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX in full and by making a payment amount on XXXX XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly 75 points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. 

If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 ( 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX Balance : {$240.00}.
Complaint sub-issue: Other problem getting your report or credit score

I have been trying to get a credit card open with Citibank and I was denied, cause of a credit score. After calling Citibank I was told something was in collections and to call XXXX. After calling XXXX multiple times I was unable actually get a hold of someone to tell me what is in collections. XXXX even gave me the option on the automated message for the hearing impaired and I hit that button and XXXX hung up on me saying " we are unable to help you, goodbye ''. Then I am calling Citibank to try to get an actual phone number for this credit company and they refused to help me saying I have to call this credit companies there is nothing else they can do to help me. I even have it on my record of me calling them three times to try to get a different phone number or get somewhere where I can find out where my collection is that I have no idea about. No one has been able to answer any of my questions and the credit company is refusing to help me as well and just hangs up the phone on me because there is no one even able to speak to. And now Citibank refuses to reveal what is in collections and will not give me my credit report that I am lawfully owed for free.
Complaint sub-issue: Account information incorrect

Fed loan service is reporting a loan twice on my XXXX credit report. 
There are a total of six loans reporting when there should only be five. 
The amount is more than what it should be please remove the sixth ( duplicate {$3100.00} ) account immediately! 
This is my eighth complaint and no one here is taking responsibility.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : XXXX
Complaint sub-issue: Non-sufficient funds and associated fees

So my account was negative by around 100 dollars and my account was closed without notice onXX/XX/XXXX. I was planning on having my tax refund deposited in it so I wasnt depositing any other money in it but my tax refund was delayed due to some errors on my end.

I went to commerce on XX/XX/XXXX and paid my balance but they refused to reopen my account.

On top of that, my account being closed now shows up on my credit report and I am unable to open another bank account despite resolving the issue. I called the reporting agency and they said I have to pay {$300.00} to have the flag removed. It wouldnt be a major issue but I am starting employment with the XXXX XXXX XXXX XXXX next week and the XXXX requires I am paid via direct deposit. I believe they also run a credit report for employment and Im worried that will terminate my employment. Im being held XXXX  by a credit reporting agency. My complaint covers two categories but it all stems from commerce bank.
Complaint sub-issue: Was not notified of investigation status or results

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Complaint sub-issue: Account information incorrect

ALL 3 MAJOR CREDIT REPORTING AGENCIES ( EQUIFAX, XXXX, XXXX ) are mistakenly reporting a balance on an account on my credit. The name of the account is " XXXX XXXX ''. Due to this inaccuracy and my multiple attempts of trying to get this rectified, it is unlawful to continue reporting such account. please delete.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I just got an updated copy of my credit report and there are some hard inquiries that I dont recognize. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX