Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  for account number 1.Department of Education acct XXXX XXXX XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX. XXXX acct # XXXX Has violated my rights 15 USC 1681 section 602a states I have the rights to privacy 15 USC 1681 604a section 2 consumer reporting agency can not purchase account without my written instruction.
Complaint sub-issue: Their investigation did not fix an error on your report

Problem with Equifax report MY ACCOUNT WITH EQUIFAX IS IMPACTED. I AM REQUESTING UNDER THE UNDER THE FCRA ACT TO PLEASE IMMDIATELY REMOVED THESE ITEMS There are UNAUTHORIZED and REDUNDANT inquires in my credit report, impacting my credit negatively. 
I have not authorized these inquires and they must be immediately removed from my account. 

I am also attaching the pdf version for ease : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unathorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX UNAUTHORIZED FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX,
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX 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: Reporting company used your report improperly

In Accordance with Fair Credit Reporting Act XXXX account number XXXX XXXX XXXX XXXX violated my right. 
15 u.s.c 1681 602 section A states I have the right to privacy.

15 u.s.c 1681 604 section A states a consumer agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

Sent Letters to the CRA on these Dates : XXXX/XXXX/2020, XXXX/XXXX/2020, XX/XX/2020 Amount : {$3700.00} I am writing this due to non-compliance with the Credit Reporting Agency -Equifax They have failed to remove information that was affiliated with this account that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Public record information inaccurate

This company gave an potential employer wrong information. Said I was convicted of a XXXX in 2014. What the XXXX!!! Not true. That is not good at all. XXXX XXXX XXXX. On XX/XX/XXXX I received an email from this so called what ever company.
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed that EQUIFAX is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with EQUIFAX but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account. 

These are the inaccurate accounts that are in my credit report : XXXX. XXXX  CRD Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. DPT EDXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. DPT ED/XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX collection Account XXXX : XXXX XXXX. XXXX collection Account XXXX : XXXX XXXX. XXXX  collection Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX
Complaint sub-issue: Information belongs to someone else

I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. please let me know if you can assist me with getting these item removed from my credit report. 




Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Complete dept. stores Contact Information None provided XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit Reporting Agencies claimed the previously disputed accounts as verified and continued reporting the erroneous accounts on my Credit Report. I am submitting this CFPB complaint today in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question. FCRA Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ) in a timely manner. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/XXXX, I was charged a {$95.00} annual fee for my Citi / AAdvantage Platinum Select World Elite XXXX credit card. On XX/XX/XXXX, I called the card issuer, Citibank, to close the account and thus have the fee canceled ( within the 30 days allowed, following the date of the annual fee charge ). During my phone call, Citi offered me an incentive of a {$95.00} or {$100.00} statement credit to keep the account open. The credit would be applied to my account if I spent at least {$1000.00} in the next 90 days. I accepted the offer, did not close the account that day, and charged {$2600.00} to the card later that day ( XX/XX/XXXX ). On XX/XX/XXXX, I noticed that the statement credit had not been applied to my account and called Citibank to ask why. The representative with whom I spoke acknowledged the error and said the credit would be applied in 1-2 business days. Today ( XX/XX/XXXX ), I noticed that the credit had still not been applied to my account. I called Citibank to ask why. The representative said I had not fulfilled the requirements to receive the credit because I had not waited a day after receiving the offer to make my qualifying purchases of at least {$1000.00}. I don't believe I was told that the offer would not be in effect until a day after it was made. I told Citibank this on the phone today and requested that they apply the promised statement credit to my account. They refused, so I closed the account and told the representative that I would file a complaint with the CFPB. This is that complaint. I ask that the CFPB contact Citibank about this and have them make good on the promotional offer they made me on XX/XX/XXXX, the requirements of which I believe I fulfilled.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Hello, My ultimate problem with this company is unusual in that I HAVE the funds and WISH to pay, but because they are negligent, they have no other option than to pay back the loan with the debit card that I originally received the loan on, a card which was compromised on XX/XX/XXXX. 

I have needed to pay back the loan since XX/XX/XXXX but after repeated calls to customer service, I was informed that there was " nothing they can do '' to fix the system, such as allowing me to pay by XXXX, an alternate card, even mailing in a check. What gives? 

And because they don't know how to use the internet, I'm getting calls and harassing texts with NO OPT OUT option multiple times a day, including on XXXX XXXX  such as XXXX XXXX XXXX XXXX. I've even tried calling their debt collection line to work something out but I was left on hold for hours. Seriously!
Complaint sub-issue: Was not notified of investigation status or results

On the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of, over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over lawful time soon to be 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.My information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed with XXXX EQUIFAX AND XXXX SEVERAL TIME LETTING THEM KNOW I HAVE INQUIRIES LISTENED WITHOUT MY CONSENT, I did not give permission to inquire and I demand each one list be deleted immediately and pay {$1000.00} per fine per violation, they are listed belowXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Non-sufficient funds and associated fees

My Acount make my creit score very low I think I should have good Creit by now
Complaint sub-issue: Funds not received from closed account

Citibank has my checking account under review and is holding my funds preventing me from transferring money into my other Citibank account which is negative. It has been a week and I have made over 30 hours of phone calls with no resolution. I need my medication and groceries for my family and they will not give me access nor a reason to hold my wifes payroll direct deposit. It is unbelievable that they can do whatever they want and nobody governs their actions. My assumption is the company that the banks formed XXXX XXXX that causes this. To keep their fraudulent company alive they feed the banks inaccurate information causing red flags to go up everywhere and they are completely inaccurate and have no idea how to govern their technology or lack there of. Please assist the bank as you will side with them anyway.
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed my information to be leaked on the dark web in 2017 and I do not want that company to have access to my personal information any more. I have no way to stop them and no way to be compensated properly either.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX//2022 to update the suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX Balance : {$40000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$49000.00}
Complaint sub-issue: Old information reappears or never goes away

I applied for Credit on XX/XX/XXXX and I got a denial of credit. The reason is past credit not paid. Yet all the credit was included in Chapter XXXX BK and should not be affecting me as it was discharged 2 years ago. The credit reporting agencies also keep ageing the debts included in the BK.. 
2nd complaint I tried to remove a fraud allert on my credit files in writing. All 3 agencies returned a letter stating it isn't there but, I'm getting denials for it being there.
Complaint sub-issue: Old information reappears or never goes away

I disputed this XXXX XXXX XXXX  account from my credit report about 3 years ago that appeared as some joint account. To my surprise Equifax has reinserted it to my credit report with out no warning also they didn't give me a letter 5 days after reinsertion. which is in clear violation. I feel like this was an attack on me due to me first contacting the CFPB last month about another issue. Now they are targeting me and if this doesn't resolve it I will definitely file a lawsuit against them here in XXXX County because of this. 

In accordance with the requirements of the FCRA as stated below, *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action.
Complaint sub-issue: Information belongs to someone else

I have inaccurate information in my credit report.
Complaint sub-issue: Information belongs to someone else

I HAVE SOME ACCOUNTS THAT I DO NOT RECOGNIZE OF MY OWN AND WOULD LIKE THEM REMOVED IMMEDIATELY. I HAVE ATTACHED THE PROPER DOCUMENTATION DESIRED TO HAVE THESE ACCOUNTS REMOVED. PLEASE SEE TO IT THAT THESE COMPANIES RECEIVE THESE COMPLAINTS AND ACT ACCORDINGLY.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated 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
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed several incorrect issues on my credit reportwrong social security number and spelling of my name even after I submitted documents. I have filed a complaint with my states Attorney General and XXXX the Fair Trade Commission.
Complaint sub-issue: Debt is not yours

I have contacted Equifax so many times via phone online, and via first class mailings on many many occasions in regards to 4 accounts that were placed in my name that did not belong to me and i did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively. I am trying to build my credit up to obtain better things in life and it makes it difficult when they checking credit and i have negative accounts that do not belong to me reporting inaccurately.I have disputed and reached out to Equifax more then several times and they say the same thing over and over.The companies either need to send proof or validation or it needs to be removed.These account does not belong to me. I have done the FTC, I have called and they have told me that their handling it and they received proper paperwork and i should see an update and i never do.The last Rep talked to name was XXXX in the Customer Service, I have not had any luck with this. The following accounts that are reporting are : XXXX XXXX with a balance of {$210.00} and XXXX Collections with a balance {$200.00}, XXXX XXXX with a balance of {$160.00}, and XXXX XXXX XXXX XXXX with a balance of {$690.00}
Complaint sub-issue: Information belongs to someone else

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX   XXXX  :  XXXX  account  XXXX  Equifax To Whom It May Concern : I dispute the validity of  XXXX  account  XXXX . I request a investigation be opened for this account.   I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence?   Thank you Sincerely,
Complaint sub-issue: Right to dispute notice not received

Creditor never made contact, or attempted to give billing information so I could pay this debt. I never got a bill, was never told the account would go to collections, and the collection agency never provided information pretaining to the debt.
Complaint sub-issue: Banking errors

Multi-faceted bank errors. Recent audit of accounts and transactions found closed account balances transferred to wrong account and cents missing from one account to the other, charges a XXXX off as more money taken than the receipts, cashing wage checks having money deposited back to business account when should have been deposited in personal accounts, business revenue deposited in personal accounts by bank employees causing accounting and audit trail problems, bankers filling in account numbers and using the incorrect accounts, bankers performing transactions without authorization of the account holder or holders, processing checks or convoluting the transaction of the check cashing process, redacting information on deposit slips and just too many similar items to list.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX {$650.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX, XXXX XXXX XXXX {$19000.00} XXXX XXXX, XXXX XXXX  {$9500.00} XXXX XXXX, XXXX XXXX XXXX {$5800.00} XXXX XXXX, XXXX XXXX XXXX {$950.00} XXXX XXXX, XXXX XXXX XXXX {$400.00} XXXX XXXX, XXXXXXXX XXXX {$220000.00} XXXX XXXX, XXXXXXXX XXXX XXXXXXXX {$220000.00} XXXX XXXX, XXXX XXXX {$220.00} XXXX XXXX, XXXX XXXX  {$400.00} XXXX XXXX XXXX I have reached out to each individual creditor listed above about these accounts letting them know I have never opened none of these accounts or applied for any of these accounts.I have filed an ftc report and they have refuse to remove them.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I submitted a written letter to XXXX XXXX XXXX   asking them to investigate an unauthorized hard credit inquiry that is on my personal credit file. On my credit file, it has 'XXXX XXXX XXXX   ' listed as a hard inquiry made on XX/XX/XXXX on my XXXX   and XXXX Reports. In my letter to XXXX XXXX XXXX, I vehemently stated that this inquiry was unauthorized and they did not have my permission to access my credit profile. At that time, I asked them to investigate and submit to me any documentation they may have displaying my authorization, or contact both credit bureaus to remove this inquiry.

On XX/XX/XXXX I received a letter via mail from XXXX XXXX denying my request to investigate this matter.
Complaint sub-issue: Account status incorrect

XXXX XXXX account there are two XXXX  XXXX accounts showing on my credit report when there is only suppose to be one account not a duplicate account Date open XXXX-13 Amount XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent a letted to verify the accounts on the credit report and was never provided proof of verification. More than 30 days have past. This has hurt my ability to obtain credit. There may have been defamation of character. I was taken advantage of due of to malpractice while several laws where being broken under the FCRA by your company this has caused me financial injury.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN EIGHT TTIMES. I WAS APPROVED THROUGH CXXXX XXXX BUT THREE LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIME WITHOUT MY CONSENT. THIS HAS DAMAGED MU CREDIT SCORE SOME MORE.