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

In accordance with the Fair Credit Reporting act, XXXX XXXX # 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

Bankruptcy A-Discharged CH-XXXX XX/XX/XXXX I have disputed this several times. XXXX XXXX deleted this permanently. This needs to be taken off my report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Have them to send me the original contract with my signature agreeing to do business with them. They will not find it. Have them to remove it from my account.
Complaint sub-issue: Problem getting your free annual credit report

For over ten years now, Equifax has denied me direct access to my credit file with the except when I am attempting to apply for credit through a third party. I.e a credit card company, etc. 

Information continuously being reported by Equifax reflecting my both my employer and phone are incorrect. 

There should be no other employer on record order than XXXX XXXX   XXXX & XXXX, XXXX. And my phone number is : XXXX. 

Equifax must lift the fraud alert on my credit file immediately. I did not request it. 

Thank you!
Complaint sub-issue: Their investigation did not fix an error on your report

This is in regards to XXXX XXXX  unlawfully resubmitting a closed account under a new account number in which they themselves closed and reopened. The action I want taken is it completely scrubbed from my credit history the fraudulent information. The account started in XX/XX/XXXX and closed on XXXX of XXXX by credit records. When it was opened the amount was {$44000.00} and when it closed it was at {$6000.00}. XXXX closed the account as of XX/XX/XXXX zeroed out the remaining balance reporting that I was no longer under obligation for this account. Then they reopened the account under another account number and resubmitted it to all credit bureaus. I reported to the credit bureau a dispute of the fraudulent activity and an investigation has begun. The investigation by XXXX XXXX was XX/XX/XXXX and by Equifax XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

I ACQUIRED MY CREDIT REPORT AND ASKED THE CREDIT BUREAUS TO CHECK AND MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681i I WAITED 30DAYS AND I HAVENT RECEIVED NOTHING BACK MY TRACKING NUMBER IS XXXX AND ONE MORE THING, THEY DIDNT EVEN RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION. 
XXXX, AND XXXX AND EQUIFAX IS HOLDING ME BACK FROM BUYING. NEW HOME AND CAR DURING THIS HARD TIME IN THE WORLD. I AM STRUGGLING AND TIRED OF PAYING HIGH RENT. 
THE CREDIT Bureau IS NOT DOING THEIR JOB ACCORDING TO THE LAW
Complaint sub-issue: Information belongs to someone else

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I disputed the fraudulent information on XXXX XXXX XXXX XXXX from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts 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/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$550.00} XXXX XXXX 474438200006****Balance : {$760.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX*Balance : {$10000.00} XXXX XXXXBalance : {$310.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several hard inquiries on my credit report I do not recognize, I did not authorize. hard inquiries such as XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX are all unauthorized hard inquiries. 
Fraud alert has been placed on my report twice. One time in XXXX and XXXX. All hard inquiries should be taken off my credit report. Ive sent letters and letters of the law have been sent to all three bureaus. Please remove inquiries from Equifax.
Complaint sub-issue: Can't use card to make purchases

On or around XX/XX/XXXX2023, I attempted to make a purchase with my existing Citibank credit card and my purchase was declined. Per Citibank my {$21000.00} line of credit was reduced to XXXX, with a existing balance of {$9700.00}, leaving a line of credit of {$270.00}. I had this Citibank account since XXXX, never missed a payment, credit score close to 700, credit card balances under 50 %. Per Citibank we reduced your available line of unused credit to prevent fraudulent purchases over the holiday period. I would like to file a formal complaint against Citibank for this discriminatory practice of targeting minority accounts and lowering existing lines of credits without notification or disclosure based on perceived notion someone would attempt to utilize unused lines of credit during the holiday therefore, Citibank must block the consumer from making any purchases during the holiday period by reducing the lines of credit to nothing. I am asking for investigation into this practice that targeted minorities and block purchasing power during the holiday without any legal justification or based on actual credit sconce. I also would like to file a formal complaint as act of retaliation I believe Citibank intentionally lowered my line of credit by {$10000.00}, as act of retaliation for the many complaints I filed with CFPB against Citibank and asking that CFPB conduct an investigation into how many consumers more specifically minorities were affected by Citibank deceptive business practice of lowering consumer credit scores to prevent fraudulent activities and disclose what federal and state laws gave Citibank the right to conduct business in this manner. I also requesting CFPB to enact of enforce laws that prevents this type of abusive practice targeting minorities consumer and fine Citibank and provide financial relief to all partied affected by Citibank deceptive lending practices.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX days and I haven't received any investigation results.
Complaint sub-issue: Information belongs to someone else

XXXX Account Number XXXX Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Balance : {$1300.00} This debt continues to remain on my credit reports after working with the credit bureaus to get it resolved. There is no phone number or proper information letting me know anything about this collection. I am not even familiar with this debt, it needs to be removed. This is negatively affecting my credit score. It should no longer show on my Equifax and XXXX credit reports.
Complaint sub-issue: Investigation took more than 30 days

This account was purchased by another lender now its reporting twice on my two of my reports
Complaint sub-issue: Their investigation did not fix an error on your report

I check my credit today and I discovered my XXXX and my exqifax had drop my XXXX severely so I look to see what the problem was 1 there's a charge that has been on my credit since XXXX and it's listed several times on my credit 2nd they stated my credit drop because of my credit card use and said it was under XXXX left on it, this confused me because my credit card just sent a text message to my phone of available credit over XXXX, and my payments made on time in a pandemic not working I make my payments on time and my score was drop over 65 points on exifax and XXXX  31 points this has been a constant problem then I'm offered these extremely high interest rates in anything I purchase, I make my payments on time my copay for medical is XXXX iv filed multiple complaints this has made me ineligible for decent credit for over 3 years I can not but a home because my credit score constantly drops because I'm paying my credit on time, this has become depressive and there is nothing that is done, I believe it is racial recrimination in credit reporting companies and minorities are left to higher interest rate no homes and a credit system that is allowed to continue, I check this with XXXX XXXX to day and I'm just XXXX and angered
Complaint sub-issue: Problem during payment process

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is my 1st CFPB complaint I have had to make about the lack of response. However, I have filed disputes submitted directly to XXXX, XXXX  and Equifax. While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my first dispute on XX/XX/2020. This is not a delay ; this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by anyone to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Equifax and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Complaint sub-issue: Unexpected increase in interest rate

Hello there, I am XXXX XXXX I had the credit card with company with a payment charge {$26.00} on my credit on XX/XX/XXXX. However I did not receive any notice and continued billed the late fee and interest on this amount. Here is the situations. 1 ) Mail communication. The company claimed they sent mail to me and returned back to tham. I check my profile online. It has my old address there. However, the company changed web site last year. Everytime I changed my address under profile. It went through smoothly. Nothing is wrong or warning there. But when I checked it out the next day. I still had my old address under profile. I found this out on XX/XX/XXXX after i found I was charged so much money on my credit card. In other words, the company has one unfunctional web site to update customer address. I also bak account and retirement account with the same company. I can not understand why the company find the address information from there. So far, my address is still old address under profile. 2 ) Phone communication I have two phone number there XXXX and XXXX. Nobody called me if you they had mail returned. If one communication way was blocked. They just charged the money on credit card and kept it. 3 ) email communication I have email address on file. I still received bak statement every month. I never receive any email from credit card department about my bill or mail return notification. The second communication is never used. In short, their company new web site from XX/XX/XXXX does not function at all. I can not change my mailing address online. Three ways for the communication become one way communication with month by month charge on my credit. I do not know if the company did that on purpose. I require the company to change my address to the correct address and refund the money back. I paid $ XXXX $ XXXX {$94.00} for the actual charge {$26.00} I require the refund the difference {$67.00} and make your company web site workable. My wife online account was also locked for almost one year and for the credit card web site, the company offer two different website from XX/XX/XXXX. It is ridiculous. It is a totally mess for the online credit card management. Please also correct the credit report for me. 
Regards, XXXX XXXX
Complaint sub-issue: Account status

On my account through credit karma I have negative remarks due to late payments. I believe this incorrect.
Complaint sub-issue: Their investigation did not fix an error on your report

the following accounts have been disputed on these dates for these reasons : XXXX-19,XXXX-19,XXXX-19,XXXX-19, Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX XXXX XXXX # 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 XXXX # XXXX XXXX XXXX # XXXX
Complaint sub-issue: Debt is not mine

I have no knowledge of this debt. I attempt to request for contract or any legal documents showing proof. No documentation has been provided.
Complaint sub-issue: Information belongs to someone else

someone use my ssn to apply and open several fraudulent accounts that I did not do they stole my personal information and used it I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE BEEN DEALING WITH THIS DEBT THAT ISNT MINE FOR YEARS!

I AM A VICTIM. THIS IS RIDICULOUS. I NEED A CAR AND CANT GET ONE BECAUSE OF THIS ACCOUNT ON ALL MY CREDIT REPORTS REPEATEDLY. I NEED HELP!
Complaint sub-issue: Their investigation did not fix an error on your report

The credit reporting agency failed in completing an investigation for incorrect accounts on my credit report. They failed to do nothing and according to the FCRA inaccurate reporting on a credit report needs to be removed because its violating the FCRA laws.

FCRA section 807 violation. Misleading false reporting. Remove accounts immediately. This account is reporting a past due amount. I don't know what this is. Remove immediately. Late payments are being reported after the account was charged off. This is a FCRA violation and you can be fined upto {$1000.00}. Remove immediately.

In accordance with the Fair Credit Reporting act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted various complaints regarding XXXX XXXX an erroneous item on my consumer report. I would like to point out a few violations that both XXXX  and EQUIFAX and XXXX  has violated. First after disputing the alleged debt documents was received that show that my personal identifying information was shared with third parties which is identity theft per 12 CFR 1022.3h as written consent was not given to none of the aforementioned Corporations. In addition as mentioned before the debt collector violation 15 USC 1692c ( a ) when they communicated with the consumer with consent. However to close this out and to point out the violations of Equifax and XXXX  they are as follows. 

Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from your credit report. 

Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is my written instructions to remove the erroneous XXXX  XXXX  account from the credit report and credit file.
Complaint sub-issue: Billing dispute for services

I HAVE REQUESTED EQUIFAX TO DO A CREDIT REPORT UPDATE OVER 2 WEEKS AGO WHEN A I MADE LARGE PAYMENT TO XXXX ACCOUNT. THE BANK HAS ALREADY UPDATED MY BALANCE WITH THE 2 OTHER BUREAUS, I CANT IMAGINE THAT THEY PICK AND CHOOSE WHICH BUREAU TO UPDATE. I AM VERY WELL AWARE THAT BANK REPORT EVERY 30 DAYS BUT I NEED THIS TO BE UPDATED SOONER, SINCE I AM IN A MIDDLE OF A MORTGAGE TRANSACTION. I NEED EQUIFAX TO UPDATE MY BALANCE WITH XXXX. THEY ALREADY HAVE THE WRITTEN PROOF FROM XXXX I HONESTLY THINK THEY ARE DOING THIS ON PURPOSE.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX I sent a letter to the 3 major bureaus outlining inaccurate and unverified accounts on my report. It is almost 60 days later and I have not received remedy. The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be deleted from my credit report. IC  systems is in violation of consumer rights and reporting false information on public consumer reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I received credit monitoring alerts that my credit score was impacted at XXXX, Equifax and XXXX due to remarks placed on my XXXX XXXX XXXX Loan accounts. I contacted all four parties involved and each are pointing the finger at the other party. My student loans are under a Nationwide Administrative Forbearance until XX/XX/2020 due to COVID-19. I called all four organization in XXXX and XXXX of 2020 and each month my credit score has dropped XXXX points. This is unfair and I would like my credit score to go back to what is was prior to the remarks on my student loan account. I also do not want to have to contact them every month about my credit file being impacted.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX, I received an email from this company stating I was in collections and owed them 670 dollarsXXXX  I did admittedly have this fall into collections due to bad management on my part, but it should be noted that this debt is not on my credit report. 

I asked them for a " written validation notice '' before I made any move to repay the debt, as is my right. By law, this must provide the amount of the debt, the name of the creditor I owe, and my rights under the FDCPA. In response, they simply gave me my account number and ordered me to contact them to repay the debt. I asked them for the notice again, making it clear what the notice should include, and they only provided me a copy of my loan agreement ( no mention of my rights under the FDCPA ) and again ordered me to contact them to repay the debt. In essence, they are refusing to give me the written validation notice which is illegal under the Fair Debt act. 

In addition, I have not been able to find evidence this company is licensed in MN, which is where I received the loan. If they are not licensed in this state, the debt is void.
Complaint sub-issue: Information belongs to someone else

VICTIM OF ID THEFT DUE TO EQUIFAX DATA BREACH.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent over affidavit explaining the violations on my credit profile and I havent heard anything back