Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting your free annual credit report

I tried to get my annual credit report from Equifax on XX/XX/XXXX. After asking several questions all of which the answer was " none of the above '' the website said " We are not able to deliver your free Equifax Annual Credit Report online. ". 

I then tried to use my.equifax.com service which was provided as the breach settlement. Attempts to login gave " We are temporarily unable to complete this request. ". 

I tried both of these again on XX/XX/XXXX with the same result. That inability does not appear temporary. 

Also because of the login failure I am unable to freeze or unfreeze my credit. 

I believe they are in violation of several rules by denying these online features.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair reporting act the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions 15 USC 1681 C A section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Complaint sub-issue: Account information incorrect

I would like the credit bureau to correct my XXXX XXXX XXXX XXXX balance. My correct balance is XXXX
Complaint sub-issue: Problem with fees

I submitted a prior complaint against XXXX 's # XXXX. XXXX 's response was fraud and misrepresentation and nothing more. However, the CFPB did nothing to investigate issues I raised. It is clear from XXXX XXXX response they tried to put this back on me which was specifically designed to " cover their XXXX ''. It is clear XXXX XXXX moved my payment and tried to pull it from a closed account. Their website does not support the direction they relate about designating account and they state in their response. THE REASON FOR THIS SECOND COMPLAINT IS THAT XXXX 'S IS CHARGING " RETURNED CHECK FEE '' WHEN CHECKS ARE NOT INVOLVED IN THE TRANSACTIONS! THE PAYMENT IS TAKEN FROM MY CHECKING ACCOUNT AS AN ARCH PAYMENT, NOT AN ELECTRONIC CHECK. IT IS UNCLEAR WHAT LEGAL AUTHORITY XXXX 'S IS BASING THEIR RIGHT TO ASSESS THIS CHARGE ON THIS TYPE OF TRANSACTION. I SUSPECT THEIR ARE MANY OTHERS THAT HAVE HAD THESE RIDICULOUS CHARGES ASSESSED, BUT MAY BE IN A POSITION NOT TO KNOW THEY CAN QUESTION IT. THIS COMPLAINT IS TO DETERMINE HOW XXXX 'S IS JUSTIFYING THIS " RETURNED CHECK FEE ''.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi Priority Account Package on line on XX/XX/2018 during Citibank had a promotional opening bonus between XXXX. ( see attachment 1 ) Citibank sent me a message states my application of Citi Priority Account Package with Regular Checking and Citi Savings is being processed. ( see attachment 2 ) Per their promotion requirement, I deposited {$50000.00} bank fund into my City Priority account around XX/XX/18 and maintained the same balance until XX/XX/18. 

Since I have not received {$600.00} cash bonus, I questioned Citibank and ask for the promotion on XX/XX/2018. 

XX/XX/18, Citibank denied my request and provided a reason that I did not opened a saving account during their promotion period. ( See attachment # 3 ) Here is my complaint : 1. I opened Citi Priority Account Package with Regular checking and SAVINGS at same time. Citi 's application confirmation shows so. 

2. If I am NOT eligible to open the Savings account, should Citi send me any notice on this issue once their process is done? Why I have nerve receive any notification from Citibank since I applied to open a Citi Savings?? 

Perhaps Citibank had a mistake on their process and not open a savings account for me. Then they have to honor this promotion bonus to me. If they continually blame customer do not meet their requirement, that could be a cheating and misleading!
Complaint sub-issue: Information is missing that should be on the report

equifax for years have provided incorrect information on my credit report. This is my second time going with to the cfpb. 
THey still refuse to do the right thing. I have contacted them by phone over 20 times. 


They refuse to add my XXXX  Credit Card That was opened XX/XX/2020 They refuse to report XXXX XXXX XXXX that was opened XXXX, XXXX 2020 They refuse to report my XXXX XXXX  credit Card that was opened XX/XX/2020 They said my XXXX XXXX XXXX auto loan acct was closed but it is still opened and I am making ontime payment. 


I request you use the my XXXX report as a refrence. 



Again I am looking to buy a house and Equifax continues not to report the positive stuff on my credit report. 


All finace companies I am complaining about report to all 3 credit agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

I have incorrect accounts showing on my credit report for all 3 credit bureaus and I have individually disputed online and in physical letters to all 3 multiple times asking for them to verify proof of the various debts and they have not ever sent me back any verification. I have requested multiple times based on the laws and each time they just say its accurate with no proof given to me and leave the accounts on. I should not have these accounts still listed on my credit reports.
Complaint sub-issue: Reporting company used your report improperly

I listed the items below that violated my consumer rights ; under the Fair Credit Reporting Act, I have the right to dispute all the incomplete and inaccurate information in my credit account. 
It has no account name and only reports to Equifax. XXXX, XXXX, XXXX, XXXX, ( Original Creditor : ) XXXX, XXXX. 
According to Fair Credit Reporting Act 15 U.S.C 1681i, Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. Section 623 ( a ) ( 2 ) : Duty of furnishers to correct and update information
Complaint sub-issue: Trouble getting a working replacement card

I lost my card so I cancelled it so no one could use it. I then realised the address on my card was not my updated address so therefore I changed my address on the app. And when I called card.com to see where my card was they told me that I needed to verify my address change, I said ok no problem. I sent over at least 10 emails to the email provided with everything that was asked such as pay stubs ID with by the way the same address that I'm currently residing because thats my address, you can probably see how horrible this is. Each time I sent my documents next day I got an email saying they cant verify a very clear photo of my documentations. This is very poor customer service as I have 70 dollars on my account that I can not use because they decided be terrible anyways this has been going on for about 3 weeks now They need to be held accountable for this. Again this is card.com.
Complaint sub-issue: Public record information inaccurate

I have previously disputed this bankruptcy that is appearing on my credit report at XXXX and Lexis Nexis and they are continually saying its been verified by the US Bankruptcy court in XXXX XXXX yet Nexis Lexis nor XXXX has provided me with any documentation verifying or validating this account. I am not in bankruptcy nor have I ever been. either way, the reporting requirements do not comply with FCRA 611 ( 15U>S>C 1681 and the information must be deleted immediately from both Lexis Nexis and XXXX. I currently have my XXXX dispute filed with XXXX as well as my second dispute filed with your office. CFPB I am asking you to file this report with Lexis Nexis Corporation, and XXXX XXXX on my behalf, please.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/19 I went to Macy 's at the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX ) to purchase a coat. There was a promotion going on where you if you signed up for the Macy 's Credit Card you would get 20 % off. The coat was listed at {$340.00} and had a sale going on but I was happy to get an additional discount on a large purchase and I have a high ( over 800 ) credit score with a good income so I have never been denied for a credit card. The sales associate ran my information, pinged my credit ( I was informed of this by my credit card and credit monitoring services ), and told me I was denied and would receive a letter in the mail telling me why. I spend {$140.00} on the coat ( after the sales discount but with no 20 % for the new credit card ) and had to place it on my personal credit card. I got a letter in the mail dated XX/XX/19 from Macy 's at XXXX XXXX  XXXX, XXXX, OH XXXX indicating that I was approved for a credit card and needed to call to finish the process. When I called today XX/XX/19 to inquire about why I was denied I was told that I wasn't denied despite what I had been told in store and despite not getting the 20 % off my purchase. I asked that my application be canceled and to speak to a manager to ensure that the application was canceled and to lodge a complaint against them for pinging my credit to deny then approve me with no compensation. I was placed on hold then a CS rep came back to tell me that the hold would be indefinite as there were no managers available. I still am not sure if the credit card application has been canceled and I am very concerned about stores handling credit card applications this way. If I am denied tell me why, if I am approved give me the discount. Don't ping my credit the tell me I'm both denied and approved but refuse to give me the discount.
Complaint sub-issue: Sent card you never applied for

At a recent visit to Best Buy, store employees fraudulently tried to sign me up for Best Buy 's private-label credit card. I expressly told them that I did NOT want to apply for the credit card, but they repeatedly ignored me and attempted to sign me up for a credit card. 

On XXXX XXXX, 2017, or there about, I received a letter from Best Buy credit services informing me that my credit card application had been denied. I was shocked to learn that the Best Buy store employees had submitted an application in my name AFTER I stated that I did NOT want a credit card.
Complaint sub-issue: Their investigation did not fix an error on your report

Currently, I pay {$XXXX} bi weekly to the auto loan company but the company is continuing to report my payments as XXXX days late. My bi weekly payments are made on time but my credit report does not reflect these timely payments. If the company agrees to a payment arrangement then the credit report should reflect accordingly. Its a mis-representation of the agreement between myself and the auto company.
Complaint sub-issue: Their investigation did not fix an error on your report

During the month of XX/XX/2018 I have been working on my credit. One card reposted that I spent XXXX XXXX on my credit card and my credit report plummeted down by 20 pts then on XXXX  I have a decrease in my personal loan you guys have me set at a decrease 30 pts I dont how you are operating as I am trying to go up your are brining me down I think that way to low to bring some one down too can you please review the system and adjust my report accordingly
Complaint sub-issue: Was not notified of investigation status or results

I have been contacting Equifax since XXXX of this year 2020 to update my information. I have faxed, called 8 times, only to be told 8 different stories about why I cant personally see my account along with why my account has not been updated since XXXX of this year 2020. They tell me they will do an investigation and get back with me but no one has gotten back with me or fixed this issue.
Complaint sub-issue: Information belongs to someone else

I recently went to check out a. new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Noticed a hard inquiry for a company I never applied to XXXX XX/XX/20XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, the CFPB issued a warning to Equifax, a consumer reporting agency, as a result of its failure to properly investigate disputes I have made about incorrect information on my consumer report. The CFPB stated : " Accordingly, consumer reporting agencies and furnishers must reasonably investigate disputes received directly from consumers that are not frivolous or irrelevant and furnishers must reasonably investigate all indirect disputes received from consumer reporting agencies even if such disputes do not include the entitys preferred format, preferred intake forms, or preferred documentation or forms. '' Therefore, as a consumer, I demand that the following accounts/inquiries be blocked and deleted from my consumer reported : XXXX XXXX XXXX XXXX Bank, XXXX Main and XXXX XXXX XXXX I demand that the account for XXXX XXXX, XXXX be reported as " paid as agreed '' and the " charge-off account '' status removed. I also demand that the alleged account balance of {$19000.00} for the alleged XXXX XXXX, XXXX account be be changed to {$0.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries were not authorized by me. Have no knowledge of them. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my FURTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Was not notified of investigation status or results

I sent a debt validation to equifax and the company reporting this debt. The company sent me a letter which I sent as proof, and Ive also attached. The company basically admitted they dont own the debt! And that there was another company with similar name who isnt licensed to collect the debt. Im requesting removal of this account. Equifax, along with this company hasnt followed up with me
Complaint sub-issue: Debt is not yours

To : XXXX XXXX XXXX XXXX XXXX : You are claiming that I owe you {$260.00}. for the month of XX/XX/2020 for XXXX XXXX services. I do not owe you this money. Why do you keep saying that I owe this to the Credit Bureaus and to the collection agency " I. C. System? I do not have, and have not even had, XXXX XXXX XXXX XXXX XXXX services in over 7 years.
Complaint sub-issue: Information belongs to someone else

XXXX client, XXXX XXXX is a victim of identity theft. She was notified by THD/CBNA of a fraudulent application submitted with her information without her consent. An inquiry was made into her XXXX and XXXX   credit report XX/XX/XXXX related to that application. A formal dispute of this information was submitted to THD/CBNA XX/XX/XXXX. An XXXX credit report obtained XX/XX/XXXX shows this fraudulent related inquiry still being reported. Per FCRA guidelines, once an item is noted as fraudulent the item is to be either suppressed or removed from the credit report ( s ). This is a violation of the FCRA and my clients consumer rights.
Complaint sub-issue: Account information incorrect

There are 2 inquiries on my credit report XX/XX/18 and XX/XX/18 from CreditPlus on my XXXX credit report. I would like 1 removed as I only authorized 1 pull.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Problem with customer service

First Progress credit card company of XXXX XXXX, XXXX XXXX. Has denied my request for billing Statements for my secured credit card Acct. An any financial correspondence sent to my billing Address. That request was denied which leads up to my inability to dispute or to lodge legitimate disputes based on Written financial correspondence. My acct was Closed for over a year FIRST PROGRESS never notified me of Acct closure. Nor will they provide me with any letters that they sent notifying me of My ACCT CLOSURE. On or around the XXXX XX/XX/2022, I tried to close my acct which was already closed! So I could get my security deposit back.Customer service agent said it would be a few weeks before refund check would arrive.On XX/XX/2022 I received a FIRST PROGRESS CREDIT CARD in the mail. Called to find out why they sent me a card? They said I requested My Acct to be opened! But As I stated I asked them to CLOSE the acct. Now they refuse to provide me with any correspondence where I asked for them to open my Acct.. Furthermore they want provide no correspondence on any activity on my acct by me or FIRST PROGRESS.. They refuse to show me where I said open up my CLOSED ACCT. They Also deny not knowing what CUSTOMER SERVICE REP MADE CHANGES OR VIEWED MY ACCT ON or around THE XXXX XX/XX/2022. Someone opened up my Acct without my Approval. Now they wont EXPEDITE my refund after my acct has been closed for over a year without any correspondence from First Progress on said matter.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my FEDERALLY PROTECTED COCONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY under 15 USC 1681. 

ACCOUNTS_____ACOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX HAS VIOLATED MY CONSUMER RIGHTS 15 USC 1681- ( A ) - ( 4 ) : THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND A RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY.

15 USC 1681-SECTION 604-A : SUBJECT TO SECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 

15 USC 1681 SECTION 623 : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. ( 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR CONSCIOUSLY AVOIDS KNOWING THAT THE INFORMATION IS INACCURATE.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Clarity services placed an inquiry on credit file. Company continues to furnish data on credit file after documents for removal.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX  XXXX  # XXXX, account is reporting 30,60 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Complaint sub-issue: Frequent or repeated calls

they keep calling me at work, I have told them not to, they do not leave a message
Complaint sub-issue: Information belongs to someone else

Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.
Complaint sub-issue: Information is not mine

Hi, Ca n't reach any companies by these names.Do n't know if these accounts are mine. Accounts seem very old and odd : 1. XXXX XXXX XXXX Account # XXXX 2. XXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt was discharged in bankruptcy

At XXXX on XXXX/XXXX/XXXX I was contacted by phone with a XXXX from the Oxford law llc. She wanted to confirm my name, address and phone also the last XXXX digits of my ssn. After that she informed me that a law suit has been issued against me due to a debit owed to XXXX XXXX in the early XXXX. I once owed money to XXXX XXXX but it was paid off when I refinanced my house in XXXX. Anyhow this debit is past the statue of limitations and I 'm pretty sure this whole thing is a scam.
Complaint sub-issue: Account status incorrect

I have disputed the late payment status reported on XXXX XXXX XXXXaccount I have disputed the late payment status reported on the account with the credit bureaus for months to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Public record information inaccurate

Tax Lien still showing on my credit report. It 's been over XXXX years. The tax lien was showing a property in another county that I have never lived in.
Complaint sub-issue: Problem with personal statement of dispute

Reported that I was 90 days late on a payment, while in a current forbearance.

Credit score dropped 177 points due to this. And credit card limit was lowered due to this error in information.