Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This card is issued by XXXX XXXX XXXX pursuant to a license by XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX.XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Application Number XXXXXXXX, WY XXXXWe’ve helped protect your identity.Dear XXXX XXXX:We’re XXXX XXXX XXXX and we handle everything related to the XXXX XXXX XXXX credit card.We received the correspondence you sent to the Consumer Financial Protection Bureau(Ref. No. XXXX). You indicate an application was submitted for a XXXX XXXX XXXX XXXX XXXX credit card using your personal information. You did not authorize anyone to viewyour credit file and state it is a violation of the FCRA. You request documentation validating yourauthorization or the inquiry deleted from your credit file immediately.No account was opened in your name. We requested the credit reporting agencies remove theinquiry from your credit report. It may take up to 45 days for the credit reporting agencies to updateyour credit report.We suggest you take the following steps to help protect your identity: Place a fraud alert on your credit reports. A fraud alert tells creditors to contact youbefore opening a new account or changing an existing account. You can do this bycontacting any one of the consumer reporting companies mentioned below. The one youcontact will notify the others to also place an alert on their files.XXXX XXXX Equifax (CBI) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX0XXXX www.equifax.com XXXX File a report with your local police or the police department where the crime tookplace. Many police departments have a special Identity Theft Report that we recommendyou obtain to protect your rights. Visit the Federal Trade Commission’s website (www.ftc.gov/XXXX). It providesadditional information and helpful resources for dealing with identify theft.Please accept our apologies. We’re sorry for any frustration or inconvenience this matter mayhave caused you.If you have any questions, please contact our Account Protection (Fraud) Team at XXXX XXXX Sincerely,XXXX XXXXCompliance Dept. – Consumer Responsescc: Consumer Financial Protection Bureau
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is a complaint against XXXX  XXXX  XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Complaint sub-issue: Problem with balance transfer

I requested 2 balance transfers to my new Citi card, one to pay off XXXX and XXXXne to pay off XXXX XXXX, the transfer was approved and debited to my account on XX/XX/XXXX. On XX/XX/XXXX, Citi once again debited the same amounts to XXXX and XXXX. I checked my account online and noted a very large minimum due. It was then that I noticed the Error. This was on XX/XX/XXXX. I called CITI and spoke to Customer service, they stated that they were aware of an issue and it would be fixed with in 24 hours. I called back next day and got a run around and told it would be fixed in 5-7 days. I also mentioned to them that this now impacted my credit score as it went down XXXX pts overnight. Again, I was told they were aware and wound fix the issue. It has been 7 days, no one can tell me when it will be taken care of and when they will fix the issue. They also cant tell me when they will correct the report to the credit bureau. I ask to speak with a supervisor and they hang up on me. Its incredibly frustrating. On XX/XX/XXXX I had excellent credit with a score around XXXX, its now XXXX. I was in the process of making home repairs and getting an loan which I am no longer able to recieve do to this.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Reporting company used your report improperly

To Equifax Equifax Information Services, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumers rights privacy and confidentiality under XXXX XXXX Account name XXXX, account number XXXX Privacy and confidentially under XXXX XXXX XXXX XXXX XXXX XXXX XXXX .States I have the right to privacy XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) 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 more than XXXX XXXX XXXX XXXX XXXXXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if they if the person knows or has reasonable cause to believe that the information in inaccurate Additionally, I need Equifax to disclose the complete account number and send me a letter with the full account number, That Equifax denied as per my phone call Thank you XXXX XXXX Delete this account ASAP
Complaint sub-issue: Public record information inaccurate

The County Recorder of Bankruptcy courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder U.S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public records entries on my credit report, neither will they ever be by them, They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are report by third party sources  unawares to the consumer, and in most cases, incorrectly. Considering the information currently showing under my social security number to be PERMANEMTLY DELETED from my credit report immediately.
Complaint sub-issue: Investigation took more than 30 days

I sent an identity theft affidavit to XXXX, XXXX, AND XXXX and they have failed me as a federal consumer. According to 15 USC 1681 C-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 ; PLEASE REMOVE ALL ACCOUNTS LISTED ON LETTERS
Complaint sub-issue: Reporting company used your report improperly

I recieved an alert notification from my XX/XX/XXXXXX/XX/XXXX account indicating that I had a new account reported under my ss #. 
I checked my account to my surprised discovered that a citi bank credit card showed reporting under my name and social security number. I know I never sign up for a credit card by citi bank. I am aware that my husband added me as an authorized user on his account but not a responsible party for any financial lost. My husband never gave Citi bank my social security number only my name and date of birth. My husband Clearly made sure Citi bank will not report this as my credit and being responsible for any of the debts while using my husbands citi credit card. He added me as an authorized user on XX/XX/XXXX shortly after we got married. 
Citi bank reported me to the 3 major credit bureaus i e XXXXXXXX XXXX and XXXX. 
My husband contacted Citi bank and explained to them that I was only to be added as an authorized user and nothing more. He also asked them how did they locate my personal information to report me to the credit bureaus. They said it came from XX/XX/XXXX, a warehouse store that requires a membership to shop and paying an annual fee. However XX/XX/XXXX does not required anyone 's social security number to obtain a club card unless that individual decided to applied for a credit card. My husban open a Citi credit card I believe on or aroundXX/XX/XXXX of XX/XX/XXXXHe opened a XX/XX/XXXX XX/XX/XXXX card onXX/XX/XXXX. 
Citi bank reported me the credit bureaus XX/XX/XXXX. 
The call was made to removed me from the reporting and to closed the citi bank credit card. 
I feel this practice is not legal and it is adversely effecting my personal credit negatively and Citi Bank needs to be addressed and inform regarding to this practice.
Complaint sub-issue: Didn't receive services that were advertised

On XX/XX/17 I placed a security freeze on my Equifax credit report in response to their massive data breach. In the past year I have tried twice to remove the freeze temporarily so that I could open new credit sources. The first time after hours on the phone with multiple customer service agents I finally determined that Equifax had changed the email account of record on my account without my knowledge or permission. This past weekend, I again tried to temporarily lift the freeze using the new email address but was locked out of the verification process. I again spoke with multiple agents to no avail. Finally one of them suggested I speak with a US based supervisor when they became available on Monday morning ( all weekend customer service is provided by foreign nationals who are clearly just following a script and have no discretionary authority ). I began at XXXX and spoke with XXXX, who transferred me to XXXX in the US.She listened to my story, acknowledged that she could not help me either, and put me on hold for a supervisor. After being on hold for 2 hours I gave up and filed this complaint. This is straight out of XXXX. Equifax mishandled my data and compromised my identity. I reacted by trying to protect myself and now they are punishing me by denying me access to new credit. Who's paying the price for their breach?
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

Jefferson Capital Systems , LLC I have asked them not to contact me and this account went from XXXX to XXXX it was XXXX that went to XXXX XXXX and now Jefferson Capital Systems they said it was back in XX/XX/2019 It's like every time I say stop contacting me they continue to sell the debt to someone else it seems like they are trying to find some loop hole
Complaint sub-issue: Account status

There are a couple items which are unknown and no verification exist and they appear to be outdated also. I disputed and requested validation and nothing was provided. Please help resolve this matter. 
XXXX XXXX # XXXX XXXX account and unknownCredit Protection XXXX Unknown and outdated
Complaint sub-issue: Their investigation did not fix an error on your report

The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. My loans have been transferred to the Department of Education. Isn't it true legislation passed during the pandemic requires Nelnet to remove all late payments from my credit report?
Complaint sub-issue: Company closed your account

Citibank blocked my account around XXXX of XXXX without contacting me or sending any emails about my account been blocked. 

After serval call with their Fraud Department, they said my account is still under review, and I will need to visit their branch in order to remove the block on my account. As a matter of the fact that I am living in Alabama, there is no branch in my state, and the nearest branch will take me 8 hours plus to get there. I have well informed their agent, but they keep ignoring the fact about this unreasonable request and insist me to visit their branch to verify my identity. 

On the second week, I reached out to their supervisor in the " ATO '' department, that supervisor told me that I could mail my Identity document to their corporate office in order to remove the block on my account. 

On XX/XX/2019, I mailed my document out to Citibank, and the mail was delivered on XX/XX/2019. On the next few days, I tried to reach out to their agent in the " ATO '' department. They declined the fact that I was giving this option to remove the block and insist that me to visit their branch. Beyond that, they refuse to disclose any information about my account. As I asked to be transferred to a supervisor, they declined my request and kept repeating that I need to visit their branch. 

As I keep trying to contact their supervisor, some agent starts to give me faulty information, like their supervisor is not on duty, in a meeting, my account is not handled by their department. Blah blah blah ... 

During those calls, I requested my account to be close out so that I can have my money back. They declined my request and said I need to visit a branch to close my account. 

This request is absurd, they only operate in a few states across the U.S, and they expect their customer to visit their branch to solve any banking issues. 

By now, they are still " reviewing '' my account. They refuse to provide and information regarding this account block and a specific timeframe for this " reviewing '' process. It's almost two months since Citibank has blocked my account. This negligence of Citibank cause me tons of troubles, and I'm paying high-interest rate for my credit card since I can't use access fund to pay off my credit card.
Complaint sub-issue: Reporting company used your report improperly

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Complaint sub-issue: Transaction was not authorized

I have been a customer of Citibank since 1997 when I became an attorney. I have a client trust account and a business account with a debit card. 
On or about XXXX XXXX, I was charged {$2300.00} by XXXX  for a mens jacket which was not placed by me and I never received it. 
After hours of staying on hold with XXXX, informing them this was fraudulent, XXXX finally agreed and intercepted the delivery, only later to then allow the fraudster to pick up the package from a XXXX. Since then I have spent over 40 hours on hold with Citibank ; made three visits to the bank and was told a case was opened. 
Last week I visited the bank again and was told nothing has happened to my case. 
Again I called the bank and after many transfers to various departments, was hung up on. 
I will attach the letter I received from Citi as well as my response and attachments to my response. We have also tried escalating with XXXX for 20+ hours and have been told Citi will handle it.
Complaint sub-issue: Reporting company used your report improperly

I was specifically looking for a prequalification, which only requires a soft pull. However, XXXX XXXX, XXXX XXXX, XXXX # XXXX did a hard pull on my credit without asking for my authorization.
Complaint sub-issue: Billing dispute for services

On XX/XX/XXXX, I opened a loan account with Nelnet , Inc., a Federal student loan administrator whom I was directed to by my college XXXX XXXX XXXX University - XXXX, NY Campus. I borrowed the amount that would suffice the difference between total tuition cost and my partial scholarship, which was {$6500.00} or thereabouts. On XX/XX/XXXX, I borrowed a like amount from the same administrator for the same reason as the first loan from XXXX. In the XXXX instance, I had to acquire two loans that made up the amount needed ; a larger loan of {$4000.00} and a smaller one of {$2000.00}. At this time, the balance of all three loans totals {$13000.00}, including interest. 

In XX/XX/XXXX, as shown by the provided images of the reporting of XXXX , XXXX, ascertained by an online credit monitoring service, the lender began to report missed payments in excess of 90 days. I myself, as the borrower, was not properly notified of payments becoming due and eventually delinquent at the time of these reports. I was not contacted directly by Nelnet , Inc. until XX/XX/XXXX, when I was granted forbearance of payment for financial hardship. I was notified by the representative who assisted me with the forbearance procedure that efforts had been made to contact my mother, whom I did not live with and did not have regular contact with, in regards to the delinquency of the loans. As the sole borrower of the loan, whose accurate contact information was provided with the application for the loan and online management portal, I believe it is not just that this administrator made no effort to contact me as the borrower in pursuance of payment or procedure in regards to the loan until several months after the account had become delinquent. 

I continued with forbearance with no issue from the provider for more than one year after the initial delinquency and maintained good standing with Nelnet , Inc. and they reported as such to credit bureaus. However, in XXXX and XXXX of XXXX, they once again reported missed payments in excess of 90 days, also visible in the provided imagery, despite my forbearance status. Upon contacting the administrator again, they reinstated forbearance, but did not report good standing to credit bureaus until seven months later, in XX/XX/XXXX, also visible in provided images. More investigation of their reporting procedures indicate that numerous months of all three accounts being in good standing went unreported by Nelnet , Inc., which I believe is unjust. It is unjust not only for the initial failure to contact me as the sole borrower associated with the loan, but also for Nelnet , Inc. to continuously report the account delinquent in excess of 90 days and not reporting at appropriate intervals of 30, 60, and  eventually 90 days, as well as their failure to report positive standing for many months throughout the repayment period.
Complaint sub-issue: Problem with personal statement of dispute

Complaint XXXX XXXX  and XXXX, XXXX, XXXX XXXX   is refusing to report on the three credit bureaus that I was not late this has been investigated and they are trying to say this is company policy I did not have a bill did not show them a bill I paid my bill XX/XX/2019 and the day I paid it there representative told me I would not be charged a late fee. Well I was charged a late fee even though my bill was paid in full and for six months straight they continue to charge me a late fee each month without even having a balance I have no balance with them it was paid in full in XXXX but every month from XX/XX/2019 they were charging me a late fee and reporting me late each month to the credit bureau I spoke with XXXX and they did credit me all the late fees but I need them to stop reporting me all these months late on my credit report my credit score has gone down because of this and they also took my {$8000.00} credit limit and dropped it down to {$100.00} credit limit because of their representative not doing her job and waiving the late fee like she said she was
Complaint sub-issue: Having problems with customer service

ECMC is reporting a collection on my credit report for a student loan where there were no payments due while I was in school. When I got out of school and the payments came due the account was sold to XXXX XXXX XXXX and I started making payments. I started my payment plan with XXXX XXXX XXXX and have never missed a payment with them in approximately 3 years. XXXX XXXX XXXX is reporting the student loan on my credit report. How can they report something that the payment was not due and is a duplicate?
Complaint sub-issue: Transaction was not authorized

My account was fraudulently charged {$50.00} on XX/XX/XXXX, on that that day I spoke to a supervisor and was told that my money would be back in my account in three days. This did not happen. I called back on XX/XX/XXXX and spoke to a person by the name of XXXX who made no effort to resolve the problem. I would like my money back.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXXXXXX XXXX XXXX ACCT # XXXX, and XXXX XXXX XXXXXXXX ACCT # 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: Account status incorrect

I notified homedepot credit card department, run by citi cards, of fraudulent charges made in XXXX XXXX. I received an e-mail confirmation from homedepot for an online purchase that I did not make and called the company immediately. Several additional charges were made before the account was closed. The account was eventually closed and the balance was transferred to a new account. I confirmed my portion due and paid in full. I was under the impression the issue was taken care of by the end of XXXX. XXXX XXXX I ran a credit report and found late charges associated with the account with fraud. I was never notified of a remaining balance. Since XXXX XXXX, XXXX I have called 10 times to resolve the issue. I have requested to speak with a supervisor, I was told none were available but my request would be passed on and I would receive a call back. I never have been contacted. I am filing a complaint now for two issues : 1. Every time I call for an update on the issue I am provided different information. I am never allowed to speak with a supervisor or the investigator on my account and I never receive a call back. 
2. My credit report is reflecting a failure to pay, which is incorrect, thus affecting my ability to be approved for current credit requests. I am trying to move and the negative credit score is impacting application approvals. 


initial fraud charges : {XXXX XXXX/XXXX/XXXX {XXXX} XXXX/XXXX/XXXX {XXXX} on XXXX/XXXX/XXXX Since the credit report ran on XXXX XXXX XXXX, when I realized there was an issue, I have spoke with Homedepot on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX