Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with customer service

: My Macys XXXX XXXX card credit limit was drastically decreased. The reason for the decrease was based on false information. My limit went from {$1600.00} to {$300.00}. This decrease was strangely after ( paying off ) the account. According to Macys XXXX XXXX, the reason they decreased my limit was because of negative information on my XXXX  credit report & high balance versus credit limits ( all lies & false claims ) after receiving the letter from Macys that was based off lies, I pulled a fresh copy of my XXXX  credit report from annual credit report.com and there was not XXXX  single negative account. No derogatory account, all my accounts are in excellent standing and not XXXX account is close to the credit limit. There is not XXXX single late payment. For being a good customer and paying off my Macys Credit card, they reward me by decreasing my credit limit. Based on the lies and the deciding factors I was giving by Macys XXXX XXXX, the only reason they decreased my credit limit is because of my race. Thats it because not XXXX single reason they gave was accurate. In addition to that, Macys claim they reviewed my credit report, but when I checked my credit there was not XXXX single hard or soft credit check by Macys XXXX XXXX. Also there customer service number is never available. Nobody is ever available to pick up.
Complaint sub-issue: Their investigation did not fix an error on your report

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 Equifax and XXXX 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 account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

Theres credit cards in my name thats on my credit reports I want removed due to being open in my name, XXXX credit card, XXXX credit card, XXXX XXXX account Im being sent information about it might not reflect yet on my credit reports but Im being sent information about it please block this information, XXXX credit card, please delete this information in all three credit bureaus, my information is being used to open accounts in my name that Im unaware about, do not put any fraud alert on my credit reports I do not want that, and XXXX XXXX credit card
Complaint sub-issue: Problem getting your free annual credit report

LexisNexis Consumer Center XXXX XXXX. XXXX XXXX XXXX, GA XXXX Customer # XXXX Case Number # XXXX Requested my credit report and they sent me a link and " pin number ''. The pin number does not work and I tried ten times, even used lower caps. This same thing happen four years ago with LexisNexis, stonewall the consume. I called the customer service person she was unable to help and seemed befuddled. The letter was dated XX/XX/2021 and stated the pin was only good for thirty days. That was not the truth, same thing happened four years ago. I found out that they incorrectly stated I had three outstanding auto loans to XXXX and that I was a credit risk. So until I was able to get them to correct their lies, I paid a higher insurance rate.
Complaint sub-issue: Information belongs to someone else

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XX/XX/2022.
Complaint sub-issue: Information belongs to someone else

All those student loans accounts were result of identity theft, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX that I did not authorize see the attachment.
Complaint sub-issue: Was not notified of investigation status or results

Good afternoon, I need the below accounts reviewed immediately as they have been paid on time and the XXXX account does not belong to me. Please adjust my credit profile immediately as its causing me harm. 

XXXX XXXX XXXX XXXX NEVER PAID LATE- PLEASE ADJUST XXXX XXXX XXXX NEVER PAID LATE- PLEASE ADJUST XXXX USA- XXXX NEVER PAID LATE- PLEASE ADJUST SANTANDER CONSUMER USA- XXXX UNVERIFIED ACCOUNT-FRAUDLENT -NOT MINE Kind Regards XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

It appears that several items were not update & false information still is reporting via Credit Report Bureaus. I've reported that Late payments listed on Accounts are inaccurate, due to being a certified victim of ID/Credit theft & Tax fraud XX/XX/2022 onward. Unfortunately, several items remain erroneously reporting and adverse penalization is continuing to harm me as a consumer due to these misreportings. 

XXXX is still being charged to Remove Late payments on All Accounts from XX/XX/2022 - Mark No Data ( is acceptable ) instead of Late. As my personal information and privacy were breached during this breach & the information in those reporting is accurate. 

I've provided verification with IdentityTheft.gov reports, Police Department Report and am seeking necessary steps to ensure the bureaus are held accountable to honor what the experts with Fraud Departments at IRS, Police Department, Attorney General, XXXX XXXX XXXX XXXX and other Fraud Agencies are too. 


XXXX & XXXX XXXX both touch on the responsibilities of Credit Reporting Bureaus/Agencies and their fiduciary - Duties to uphold pertaining to the rights of consumers having accurate information on file for them.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Company ( s ) : Best Buy Credit Card through Citibank.

I opened up a credit line with Best Buy/Citibank 2 years ago in XX/XX/XXXX. I purchased a tv with this credit line and was told I would not pay any interest for 2 years, however, I was not informed that interest would come back after the 2 years. I had explicitly asked the employee who assisted me with the opening of this credit line if any changes would occur after the 2 years end, and I was assured this would turn into a regular credit card with interest. I was lead to believe this credit card would be like a normal credit card with interest, but not that the interest from the initial purchase would accumulate over time and that if i did not pay the full amount within the 2 years that interest would come back. I would have not opened this credit line if this were the case.

Last month, XX/XX/XXXX, I had a balance of {$500.00}. Now this month, XX/XX/XXXX, I receive a statement with a balance of {$1200.00}. There was an interest charge of {$710.00}. This is insane. I was under the impression that the interest charge after the 2 years would be for the remaining balance, which is {$500.00}. I was okay with this, not the ridiculous accumulated interest charge fee of {$710.00}.
Complaint sub-issue: Contacted employer after asked not to

An employee at my workplace transferred the call to me since they were asking for me using my maiden name, I changed my name 7 years ago, stating they were a process server and they wanted my address. When I talked to this so-called XXXX, she provided me with another number to call ( XXXX ) and a case number XXXX. I asked XXXX for her number and she said she could not disclose it since they get death threats all the time and their number is always blocked. Our phones at work have caller ID, and I pointed out to her that the number showed as ( XXXX ) and she was amazed that it was not blocked and confirmed that was her number. They continued to harass me at my place of work, calling the receptionist and demanded to speak to my supervisor. I then tried calling them back, most of the time they would not respond. When they did respond I told them to stop calling me at work. The last time they answered I was threatened and told they would be sending a wage garnishment to my payroll department at work.
Complaint sub-issue: Account status

I ran my credit report in XXXX and saw that XXXX was reporting that I had XXXX late payments even though I had settled the account and was paying XXXX a monthly payment and was never late. I contacted XXXX and they said they had made an error and would correct it. My bank told me to wait XXXX months knowing I had XXXX until I had to move, so that the credit report would update. When he re ran it today the late payments were still on there. When I contacted XXXX, after being shifted to XXXX different departments and back to the Debit collector I was basically told that even though I was paying the people that bought my account on time XXXX continues to report it as late payments. I explained that I would be homeless and was told tough luck
Complaint sub-issue: Information is not mine

I checked my XXXX today on XXXX XXXX 2016 and found that I have an unauthorized hard inquiry from XXXX XXXX on XXXX XXXX 2016 on my equifax credit report. This was not done by me I do n't know if there is something opened in my name because as of now it only show the inquiry. I do n't want to get stuck with something that I did n't do. This is fraud if XXXX have anything open in my name.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX, my wife tried reaching out to Equifax to remove a freeze we placed on her credit from when they mishandled our information and they were hacked in XXXX. 

When we called the consumer line, the auto verification process wont allow her to get through. We tried 5 times ... each taking many minutes, and getting the we cant immediately verify your information. Please complete this request online. 

Great ... so we go online and go to set up an online account. It states weve created an account previously and to recover it. 

Then when we try recovering, it states There is not account matching this information - please call in To get an agent on the phone it is required that you pass their auto verification check. 

So I go through the process with my information. I finally get through to an agent. I tell him the issues were having. 
His XXXX is absolutely terrible and I have to explain my issue many different ways. 

He responds thats a common issue were seeing with the online accounts. Im going to transfer you. 

He doesnt transfer me. He puts us back in the queue. We have to go through it again and start over. 

This time when I try to auto verify my information, it says that we cant process the request and would need to complete it via mail or fax. 

When I go to the equifax site, there is no place to complete the process that way or find any forms. It simply tries to get us to register for an account, putting me back in the same loop. 

It is absolutely astounding that such an incompetent agency is in charge of the credit for millions of us. 

They messed up with mishandling our information, and for some reason were unable to make any progress when reaching out to them.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, 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.
Complaint sub-issue: Problem making or receiving payments

Have had a checking account, debit card with Discover Bank since XX/XX/2018. Have submitted multiple IC3s, complaint forms, letters, etc., to all federal banking agencies in DC. You all should have big files on me by now, CFPB included. Closed checking account with Discover XX/XX/2018, as you can see only had this account for 6 months before the XXXX XXXX the fan. Spoke with an Agent XXXX, if, in fact, he is NOT a FRAUD, with regard to stolen checkbook, etc., still on going, woman of SUSPICION, XXXX, who cleans house where I reside, XXXX be a theft ring, XXXX. Today I noticed the number provided to me on my checks w/ this bank ( account number ) is 10 digits, looking very much like a phone number, decided to call that number and a woman answered, could be a coincidence or NOT. This needs to be investigated, you at the CFPB have to convince me this is a coincidence. Also confirm to me banking institutions can have as many or as few digits in their account numbers, not a consistent amount of numbers as instituted by the Federal Reserve Board. Another checking account I have has 12 digits for account numbers. With mega on going issues there seems to be a consistent pattern here with my banking. Please advise. Maybe a Set-Up, conspiracy, multiple questionable married into extended family members.
Complaint sub-issue: Reporting company used your report improperly

I have sent a debt validation letter to XXXX XXXX and each time the company has failed to validate my debt. Instead the send a list of my medical records, which i know is a direct violation of the HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete all this information from my credit profile and cease all collection activities immediately. 

Equifax- 2 accounts {$130.00} and {$950.00} XXXX- XXXX account {$950.00} XXXX- XXXX account {$950.00}
Complaint sub-issue: Other problem

Citibank refuses to accept refunds from my vendor on a closed credit card.
Complaint sub-issue: Other problem

I had an account with Cashapp for which I had lost the phone that was tied to that account. I currently have {$220.00} sitting in the account and while I provide all the correct information they need to verify my account they refuse to allow me access to it and refuse to help me further to get access to the account. They told me I pretty much s.o.l in regards to retrieving my money.
Complaint sub-issue: Debt is not mine

ERC is violating FCRA by willfully and negligently reporting inaccurate information to the credit bureaus despite communications to me promising itd be removed. After sending Enhanced Recovery Company ( ERC ) a request for debt validation, I received a letter back from ERC dated XXXX/XXXX/XXXX stating that they were no longer reporting this debt and that they had sent notice to all XXXX credit bureaus notifying them it should be removed. 30 days later, ERC validated this debt on XXXX/XXXX/XXXX to XXXX and XXXX so my credit report says my most recent late payment was 5 months ago. This appears to be a time-barred cell phone debt from XX/XX/XXXX, BUT the main problem is that ERC sent me a letter saying they were no longer reporting it to the bureaus, but continue to report it. This is negatively impacting my score and is affecting my ability to get HOUSING and an auto loan. I 've made MULTIPLE attempts to dispute.
Complaint sub-issue: Information belongs to someone else

this message is for equifax and XXXX  and XXXX. i want to let them know that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX are all being reported and the nc department of justice is now involved with those accounts and creditors. i received emails from some of the creditors and letters and i called some of them and most of them stated they will no longer contact me. i will add documentations so these accounts can be removed from my credit file for good. also XXXX XXXX XXXX  showing on my report should deleted. they are being investigated as well. as well as XXXX XXXX XXXX
Complaint sub-issue: Don't agree with fees charged

I called the Fed Loan Services to find out about Forbearance with parent plus loans. I was told to send in {$600.00} in order for someone to help me. 
This was after I gave all my personal information and received a run around from XXXX from XXXX different people there.
Complaint sub-issue: Reporting company used your report improperly

I never directly did business with Equifax and yet they have all of my personal information. 

They then did not take reasonable steps to protect that information from cyberattacks. 
When they learned of the problem, they hid it from investors while they let executives dump their stock. 

There is no way to undo this damage. Once your information is stolen, you can never recover it. It will mean that I will need to pay for credit monitor and identity theft protection for the rest of my life. 

I will also be the target of other scams and potential blackmail because of a company that I had no direct business relationship with whatsoever.
Complaint sub-issue: Not given enough info to verify debt

Americollect is not sending the information that I 'm requesting to Validate the debt they are not sending me a copy of my signature with the provider of service to release my medical information to them. That 's means the debt can not be validated.
Complaint sub-issue: Threatened arrest/jail if do not pay

On XX/XX/2016, at or about XXXX hrs CST, I received a call from an unidentified male claiming to be employed by XXXX, the number called from is XXXX. The caller said he was calling " in relation to a breach of contract in the amount of {$1700.00} with cash call USA. '' He said if I did not pay immediately, XXXX would take me to court, get a judgment against me, and then have me " jailed '' if I did not pay. It was then he asked for me by name, the only information I would confirm. Most of his information on me is VERY outdated. When I insisted upon them mailing me proof of this debt, the male caller began insulting me, using foul language, resorting to name calling, and actually at one point threatened me with physical harm if I did not pay him. 

I explained to the caller that I am XXXX, low income, that my income is derived from XXXX benefits, and that my state laws do not allow a judgment to be paid from that. He threatened agin to have me jailed if I do n't pay, and claimed to " know many ways of getting around the law to get what is owed. '' I explained that I would be documenting and reporting the call. This apparently upset him even more, though I doubt I would be allowed to post here what exactly he said. I told him to please not call me again without sending by mail proof of the alleged debt. He said he will be calling me every day " if for no other reason than to make my [ stream of foul language ], miserable '' until I paid. 

I wished him good luck with that, said goodbye, and terminated the call. An immediate internet search lists many pages about this company ( IRP ), with many reporting this is likely a scam. 

The alleged debt holder " CashcallUSA '' is an internet " payday loan '' business known to me. They alleged several years ago that I borrowed money from them in such a way, on a date and time, from a location, and in such a manner that makes this impossible. That business has already been furnished with evidence to that effect ( employer documentation, Driver 's Daily Log book entries to that effect, and various statements from those proving I could not have been the one they claimed borrowed money from them. I have also informed them of who might have stolen my personal information to take out such a loan who was in fact in the location on the date and time they claimed. That individual is a suspect in another identity theft issue involving the IRS and law enforcement ( reports filed ).
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I submitted a dispute letter to the credit bureau agencies ( XXXX, XXXX, Equifax ) explaining that the accounts below on my report are stating inaccurate payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX never late PRIMARY RESIDENTIAL MO - payment never late I have not received a response from any other the credit agencies.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first timed I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$110.00}
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX 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 If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several disputes regarding this loan for {$12000.00}. They havent taken any action deleting this account when it doesnt exist with the other 2 bureaus. It is harming me for obtaining credit, I have never lived in XXXX  so where is the information coming from? Who was on this joint account? This information is violating the fcra.
Complaint sub-issue: Trouble getting, activating, or registering a card

I have been receiving child support payments since XXXX of XXXX. ReliaCard from US bank has been refusing to assist me. I called several times over the year of XXXX trying to figure out where the child support payments have been going with no help from customer service reliacard. Every time they said I didnt have an account but I do, I just found out today that I do have another account and the rep told me that I had a balance but then put me on hold and cane back saying her supervisor said she can not help me any further. After giving me the wrong number, I feel there may be inequities with the ReliaCard system because Ive been on hold now for nearly 2 hours and money held for going on a year. That is highly highly unacceptable.
Complaint sub-issue: Problem getting report or credit score

My wife and first attempted to receive our free annual credit report via the Internet with not success. We then submitted the required request form provided by XXXX, by mail. Our request was denied for : Proof of current mailing address. We then provided a new request form with proof of current mailing address and again denied. We after words applied for credit to purchase a vehicle and was denied for credit reasons. The incident occurred with all XXXX credit bureaus.