Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Complaint sub-issue: Account information incorrect

For the last eight months I 've been trying to have false remarks from two XXXX XXXX XXXX credit card accounts removed from my credit report ; both accounts state that I participated in a financial counseling program, and this is false information. Equifax, XXXX, and XXXX list this information on my credit report. I only found out when I tried to re-apply for a XXXX  XXXX XXXX credit card at the beginning of the year, and my application was denied. I 've contacted XXXX XXXX XXXX, and the three reporting agencies, to correct this report numerous times, and have not been successful so far. I 've been in talked with several XXXX XXXXXXXX XXXX offices and channels, have submitted written and online disputes, and have been repeatedly transferred between departments. After speaking to several people with XXXX XXXXXXXX XXXX and the credit reporting agencies on XXXX XXXXXXXX XXXX confirmed on XXXX XXXX, XXXX that I did n't participate in a credit counseling program, that the information was false, and sent me documentation stating that they had informed the credit reporting agencies to update my report, and due to the error on their part were working to expedite the process of having the information removed. However, over the last two months the same false information kept populating on the report ; I subsequently continued to dispute each investigation. On XXXX XXXX, XXXX a XXXX XXXX XXXX representative told me that the remarks were n't on my accounts on XXXX XXXX XXXX 's end. However, when I tried to re-apply for a credit card with the bank I was automatically denied because the credit counseling program information was still on my credit report. This information needs to be removed, by XXXX XXXX XXXX and the credit reporting agencies as soon as possible.
Complaint sub-issue: Problem with personal statement of dispute

I filed a dispute with the credit bureau and all they did was to reach out to the lender to verify the payment history. Not sure what is the purpose of a dispute if I present my evidence and it doesnt get taken into consideration. Basically why did you ask me to provide support if your not even going to use it to figure out my case. 
I feel that this system is rigged from the beginning and the consumer doesnt have a chance to win anything that they are disputing.
Complaint sub-issue: Information belongs to someone else

On MXX/XX/2019, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On MXX/XX/2019, XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2019, MACYS/DSNB add a hard inquiriy on my credit report per XXXX.
Complaint sub-issue: Information belongs to someone else

On my reports there is a closed account with huge amount of missed payments. CITICARDS CBNA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CITICARDS CBNA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Didn't receive advertised or promotional terms

I opened my new Citi Checking and Saving account on XXXX with promotion offer ( Deposit {$15000.00} or more New-to-Citi funds and keep 60 days to receive {$300.00} new account bonus ). 

I finished all terms by XXXX but never receive my {$300.00} bonus until I submit inquiry to Citi on XXXX. Citi responded in letter that partial of my {$15000.00} deposit is from XXXX Credits are not considered a qualifying deposit. 
The explanations from Citi is totally not acceptable. First of all, their terms only states deposit {$15000.00} or more of New-To-Citi funds. My XXXX transfer is from XXXX XXXX, which is definitely a New-To-Citi Deposit funds. Secondly, their terms never mentioned to exclude the instant deposit like XXXX from New-To-Citi deposit activities. 

Citi should honor my bonus and deposit to my account right away.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit inquiries on your report that you don't recognize

These are fraudulent inquiries on my report. I did not authorize all of these inquiries. Below is a list of the inquiries on XXXX, XXXX and Equifax. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

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

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX ( Orig.Cred : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX ( XXXX, GA ) has been reporting an invalid debt on my credit reports for several years. They did not respond to my initial debt validation letter and have never responded to any of my information requests. There is no evidence from PDQ Services or the original creditor, XXXX XXXX XXXX ( XXXX, GA ), that the monies claimed to be owed are accurate. 

This debt is not valid.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has provided reports to my creditors stating that my credit file includes serious delinquency, judgment or collections activities. I ordered my file from them on XX/XX/XXXX and confirmed no such info was present. Thereafter I was advised by reports from XXXX and XXXX that reports received on XX/XX/XXXX and XX/XX/XXXX still reflect that negative reporting. I have called them and they referred me to contact those creditors to dispute. On XX/XX/XXXX I requested a copy of my Equifax score. It notes code 202 one or more major derogatory events on my file. Today I worked with a representative at Equifax for an hour and a half before he disconnected me. He continued to try and assert that the note must reflect credit utilization. I advised that it didn't because that is referenced in code 178. He found no negative information on my file and disconnected the call when I requested a supervisor.
Complaint sub-issue: Their investigation did not fix an error on your report

I have new information and a new police report for XXXX  XXXX with the account listed and the false amount owed. Also XXXX is still reporting XXXX XXXX XXXX which is removed and also they are reporting a account for lXXXX XXXX which is a collection account for XXXX XXXX which was removed in the past for id theft and also XXXX is still reporting XXXX XXXX XXXX which was removed already by XXXX but XXXX is still reporting and credit first as late but it has a XXXX balance and was credited the amount so therefore its no way it could be late credit first account was not updated to paid in full as the account was credited so it should not show as late
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

I submitted a complaint to the FDIC on XX/XX/2020 against Citibank. The FDIC issued me a letter stating they were referring the complaint to you. I called the CFPB on XX/XX/2020 since I had not received any correspondence in regards to my complaint, and the phone agent I spoke with told me you never received anything from the FDIC. I contacted the FDIC to inform them of this, and was told they submitted the complaint to you on XX/XX/2020. When I told the FDIC that you never received anything from them, they suggested I submit a new complaint directly with the CFPB, and attach their letter indicating they had forwarded the complaint to you. You may want to look into why this correspondence was never received by the CFPB. Here is the nature of my complaint : On XX/XX/2020, I wrote a check out of my XXXX XXXX Account XXXX account # XXXX XXXX for {$50.00}. The bank where the check was deposited issued the depositor a letter stating the check was returned unpaid. I received no correspondence from Citibank that this check was returned unpaid, nor the reason it was unpaid. I attempted three times to contact Citibank to find out why this occurred. Every time I called, the overseas phone agents kept me on hold for long periods of time, after which they said they needed to transfer my call somewhere else. After this, my call was disconnected each time. Since I was unable to obtain any information by phone, I wrote a letter to Citibank on XX/XX/2020 asking for an explanation. It has been nearly seven weeks since I sent this letter, and still have not received a response.
Complaint sub-issue: Information belongs to someone else

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021XX/XX/XXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

On XX/XX/XXXX, I called Hunter warfield to ask if they would settle with me so i can closed the account. The debt is from rental property where my father and I reside, unfortunately we had to leave a two months early because we were upset with the management. When the property manager renewed our lease in XX/XX/XXXX, she accidentally left my dad who was the main income off the lease. I just had a baby and was nit working. Well when we left early, the rest of lease contract went on my credit and only mine. I have an XX/XX/XXXX child who is XXXX and anotherXX/XX/XXXX who is XXXX. I am not working cause of covid and virtual learning with my oldest but unfortunately my car choose to die on me. So I called hunter war field and asked them if they would settle? The gentleman said {$1000.00} but when I told him my situation he was willing to take $ XXXX {$700.00}. But he first said, we should try to dispute this since this should nit be just your responsibility and he would call me that Tuesday to let me know if it went through. No call. I left Vm after Vm then finally a man calls me telling me the rental property is saying my dad did not live there which was a lie by the property and if I can get receipts of checks he paid rent and any other evidence, that will help my dispute. So XX/XX/XXXX I emailed them everything I had. XX/XX/XXXX I received a call from a hunter warfield debt collector stating it does not matter what evidence I provide, I was the only person on lease therefore its my responsibility. He was very pushy and rude. He said I need to pay half of the debt which was {$790.00}. Unfortunately with XXXX and unfortunate circumstances I couldnt even do anything. He said they are offering this once and he can split two payments but it must be paid by XX/XX/XXXX. There was no way I could and I needed to talk to my dad and fianc first to see if possible but when I ask the man fir an hour, he wanted my debit card and they would arranged two payments. I said I cant afford {$790.00}. He was very pushy and kept trying to make feel like I had no choice and this was it for any help from them. He would not allow me an hour to speak to husband and dad a d kept going on and on that this was it for offers and I need to take responsibility. They are trying to help me but I am the one who contacted them first to settle. I finally got aggravated because he made feel threaten, I told him that I need to speak to a lawyer to know my rights. Abd he said well now you brought up lawyers, we are done.
Complaint sub-issue: Attempted to collect wrong amount

I signed up for this service and was unsatisfied with it. Within the contract it clearly stated that I had 30 days to keep the service or cancel and return the box and remote. After one week of service, I was not satisfied with it and returned to my previous television provider and had a box sent to me to return the equipment. I have made several attempts to resolve this, however, the company is charging me for service that I did not have for more than a week.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. I have a loan with XXXX. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XXXX of 2017, two charges of {$100.00} were charged on my Costo Citi Credit Card for XXXX which I did NOT authorize. I reached out to Citibank who provided back up information that the user was in XXXX and used a XXXX name and address and had no CVV code! I 've never been to XXXX or XXXX and vehemently dispute these fraudulent charges. I have now spent over 5 hours on the phone with various Citibank employees only to be told it was my responsibility to pay. THIS IS FRAUD and THEFT. Please help.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX  ( CREDIT CARD ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX per XXXX Bank letter they requested credit bureaus to remove fraudulent inquiries from my credit report, I waited 45 days and those fraudulent credit inquiries still reported on my credit reports. 
XXXX Credit Card application number XXXX, XXXX, XXXX, XXXX and XXXXXX/XX/XXXX Credit Card application number XXXX XXXX Credit Card application number XXXX XX/XX/XXXX XXXX Credit Card application number XXXX XXXX XXXX XXXX Credit Card application number XXXX, XXXX, XXXX and XXXX XXXX Credit Card application number XXXX XXXX XXXX Credit Card application number XXXX XXXX Credit Card application number XXXX XXXX XXXX XXXX Credit Card application number XXXX XXXX XXXX XXXX Credit Card application number XXXX XXXX Credit Card application numbers XXXX and XXXX XX/XX/XXXX XX/XX/XXXX I am demanding those fraudulent credit inquiries to get removed from my credit bureaus right away since I already waited more than 45 days, and I need confirmation that those fraudulent credit inquiries have been removed from my credit bureau.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$590.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 3 unauthorized inquiries on my XXXX Report. They are for XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX on XX/XX/XXXX. I contacted the credit bureau to dispute it but the unauthorized inquiries remain on my credit report.
Complaint sub-issue: Information belongs to someone else

I recently reached out to the Federal Trade commission regarding fraudulent activity on my credit report. This information must be investigated and removed immediately as it is directly effecting my credit.
Complaint sub-issue: Problem getting report or credit score

Equifax Credit Reporting Agency denies releasing my credit report to banks when I apply for credit or sends a response back to them stating that my information does not match the records leading to denial of credit multiple times. I have contacted Equifax through physical mail multiple times to understand the issue but I get no response. I have checked my free credit report and there are no errors or issues reflected in that personally retrieved report. The only issue is that since I moved to the US after XX/XX/2011, the legally issued SSN to me is from a randomized pool chosesn by Social Security Administration and Equifax fails to recognize it as a legally issued SSN. Despite having a perfect credit history with never having missed a payment, I get denied for credit with the reason being that either Equifax did not release my credit file to the lender or issued a statement that my responses to a security quiz are false ( which they are not ). I seek CFPB help to ask Equifax to fix the credit reporting system it has and not raise false security alerts leading to multiple denials of credit to me as a consumer.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, Jefferson Capital System added a derogatory remark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. When contacting Jefferson Capital System, I was informed that they no longer had the debt and it was sent to XXXX XXXX. I called XXXX XXXX and was informed they couldn't find the reference number associated with any account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debit at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Jefferson Capital System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Complaint sub-issue: Problem getting my free annual report

I was told by Equifax consumer affairs that I placed a credit freeze on my credit account that is preventing me from accessing my credit report and score. I did not place this credit freeze and disputed it with no resolution.
Complaint sub-issue: Reporting company used your report improperly

To whom this may find, on XX/XX/22 I pulled a copy of my consumer report and discovered that In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I did not give anyone my consent to reporting these accounts, these items are disturbing my livelihood, attempts to secure employment, housing and puts me in danger of predatory lending and high interest rates.