Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Hello again, and to whom it may concern, I'm still having difficulties with Equifax regarding inaccuracies on my credit report. I've sent out multiple letters asking for the details of the investigation regarding how they " verified '' an account that clearly isn't mine and its been past 30 days and I'm not receiving anything through the mail, email, phone call nothing. I know they received my letters by now and it's almost XXXX and I sent these disputes out the XXXX week of XXXX. Please help me because they are not taking my situation seriously and their ineffectiveness to report 100 % accuracy on my credit report is not only hurting my credit but its causing me to have to pay higher interest, I can't get approved for home or car loans, can't obtain new credit etc. I'm ready to file a complaint with the XXXX XXXX XXXX if this keeps up.
Complaint sub-issue: Public record information inaccurate

I recently obtained copies of consumer report from both Lexis Nexis and XXXX XXXX. They're reporting multiple discrepancies on my credit report that is defaming my character. Under the FCRA, I have the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. 
Request that Lexis Nexis and XXXX furnish notification of the deletion of all disputed information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I got no notice that my credit limit decreased by over XXXX XXXX I only used 37 % of my limit. No late fees. I pay early. And pay more than the minimum. Out of nowhere now my card is maxed out with no warning or reason. I called the company. They said the credit bureau XXXX had the reason. To call them. I did that. XXXX said theres no problem with my report, its in excellent standing, and that its the company, citi, doing it. I call the company back. They have no answer for me. I had a XXXX limit. And they brought it down to where Im maxed out. I have a Citi XXXX and never will again. Ive been working so hard to keep my credit good and bring it back up to excellent standing. And now its going to go down for literally NO reason.
Complaint sub-issue: Debt is not yours

There is a collection account for XXXX XXXX  on my reports, and 2 separate collection firms have marked onto credit reports. 

They are I.q. data international for 2 amounts totaling {$10000.00} Also XXXX XXXX XXXX  is marking for same debt at {$11000.00} Neither firm has submitted proof of the debt owing, nor have they responded to requests showing an itemized list or pictures. And none of the credit bureau have removed collection as required by the FDCPA. 

I am appealing to you to have this removed immediately. 

XXXX XXXX XXXX
Complaint sub-issue: Can't close your account

Citibank Business has held money in my act for six months without access and charging me monthly XXXX fee and at least XXXX. Further I was frauded and I've got zero information from citibank to file police report about what was found. I want this account closed and my fees taken returned and my census money returned which is mine. The delay is ridiculous, I filed previous complaint and Citibank falsely claims that all funds were not mine which is not true as funds went into account after they said they were closing it that were mine. I worked for the XXXX XXXX and two of my checks went into the account in error and they refused to sent to me this amount. I sent proof attached o worked at XXXX. 

Recently XX/XX/XXXX my check of {$600.00} us giovernment pandemic relief check went in the aaccount. 

I'm fed up its been since XX/XX/XXXX they said they would close amd refund me. 
And every month of XXXX  they have taken XXXX fees out. I want fees taken after XX/XX/XXXX refunded amd I want my XXXX check and my census money checks refunded now. They are not part of the reason the account closed and the money is mine. 

The bank is incompetent!!!! Doesn't investigate correctly
Complaint sub-issue: Company closed your account

In XX/XX/XXXX, I opened a XXXXXXXX XXXX Store Card. I'm unsure of the issuing bank, I believe it may have been Citi. 

I had never been late on a payment and used this card periodically. Well, my account was recently closed due to inactivity. I called the customer service line and spoke with a supervisor on XX/XX/XXXX. The Customer Service Supervisor said that it was closed because I hadn't used the card since XXXX. 

I understand if the issuing bank has certain terms for closing the card, however I was never notified prior to them closing my account. Apparently, this was in their terms and conditions that they may close an account due to inactivity without prior notice. Well, at least according to the person I spoke to. 

As a consumer, I feel like this is an unfair practice because my credit score has decreased a bit as a result. You see, this was one of my oldest accounts ( over 7 1/2 years ) and by closing this account it affected my " average age of open accounts. '' Yes, this isn't a high impact factor, but nevertheless it is still a factor in which I feel is not fair to the consumer. I shouldn't have a card closed just because I have not used it in a few years. I kept it open to establish a better credit history.
Complaint sub-issue: Trouble with how payments are handled

I have set up auto debit 3 times now with correct and accurate information, and it has been rejected leaving me with late payments and automatic enrollment in forbearance. I was told the forbearance can not be reversed. I do not need a forbearance nor have a asked for one I am able and willing to pay my monthly balance.
Complaint sub-issue: Information belongs to someone else

We have been dealing with Equifax for over a month now when we found out that our sons Social security number is tied to someone elses name through them. He can not get a school loan, job or credit card because if they do a identity check through any credit bureau it flags as fraud/comes up that he doesnt exist and that his name is tied to another person. I called the SS office and there is nothing wrong on their end. Our sons number is fine according to their records. Equifax told us that we needed to fax over documentation ( license, SS card, cover letter etc ) to prove his identity and we would hear back in 5-10 days that it was rectified. Weve done that on XX/XX/XXXX and again on XX/XX/XXXX and they claim they never got it and/or their fax machine is broken. So we mailed it on XX/XX/XXXX and they said they never got it. We finally sent it certified mail on XX/XX/XXXX and they received it on XX/XX/XXXX and have records from the post office that they signed for it. They are still saying they didnt get it and that we need to send it again. They claim they have no email or any other way to receive it which I find totally unacceptable as it is XXXX. We have spoken to 12 people ( all overseas at a call center ), 4 supervisors, 2 who have hung up on us and have spent countless hours trying to rectify this for our son. They claim that they deal with an overload of documents and have no idea where they couldve gone 4 times???!!!! We have done EVERYTHING they have asked us to do. He can not do anything and is at their mercy. We do not know what to do next besides reporting them to the XXXX XXXX XXXX attorney general and seeking legal action. No one there knows what is going on and they keep reading from a script are are clueless and unhelpful. We are beyond angry and frustrated and do not know where to go from here. My sons whole financial aspect of life is being held up and affected by Equifax and they are continually giving us the run around. It is totally unacceptable.
Complaint sub-issue: Other problem getting your report or credit score

Consumer Financial Protection Bureau - Equifax complaint XX/XX/2020 I have been unable to refinance a home mortgage because creditors can not access my Equifax credit report due to a security freeze. 

On XX/XX/2020 I unfroze my credit reports with XXXX and XXXX XXXX through their web interfaces, but when I tried to lift the freeze through MyEquifax.com the site said I was unable to do so and that I should call Equifax customer care at ( XXXX ) XXXX. 

When I called Equifax, I was given automated instructions to fax or mail documents verifying my identity. I faxed a copy of my California driver license along with other requested information that same day Wednesday, XX/XX/XXXX. 

On Friday, XX/XX/XXXX I called Equifax customer care again and this time I was able to speak to a representative. I asked if my fax had been received and when the credit freeze would be lifted. The representative said it takes up to five business days. 

On Monday, XX/XX/XXXX I called Equifax customer care again to get a physical address where I could mail the identity documents. That same day I sent via the US Postal Service a copy of the same identity documents that I had previously faxed. The letter was addressed to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. 

On Wednesday, XX/XX/XXXX I called Equifax customer care again and a representative told me he was unable to verify receipt of any of my documents. I faxed them once again to the number previously provided by Equifax, ( XXXX ) XXXX. Both times I sent the faxes I received verification from my fax service that the faxes were received. 

It had now been a week since I initially tried to lift the security freeze. The lender I was working with insisted they needed credit reports from all three bureaus. So I moved to a second lender, who ran my credit reports from XXXX and XXXX XXXX while waiting to run the Equifax report. So now I had two hard credit inquiries while still not being able to complete the transaction. 

Today, Thursday, XX/XX/XXXX, it has been over two weeks since my initial request to lift the Equifax freeze. I just tried to sign into MyEquifax.com and received the same message I received on XX/XX/XXXX : Please give us a call - We can't complete your request at this time. 
Please call the Customer Care team XXXX I have temporarily abandoned my attempt to refinance the mortgage and when I start the process again I expect to have lower credit scores with XXXX and XXXX XXXX as a result of the two earlier hard inquiries. There are also two faxes and one letter in some unknown location containing my most sensitive personal information. 

The lack of response and concern by Equifax in my opinion is unlawful and appalling.
Complaint sub-issue: Problem with personal statement of dispute

Back on XX/XX/2022 I updated XXXX about a wrong address for a creditor that was listed on my credit report. The creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax had the same creditor listed with address XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX The Creditor was removed after the realization but the defamation to my character was already done and has caused me many hardships to my life and family. I was never updated about the removal or any update to my credit score from either credit reporting agency. This was a grave error and their responsibility to complete accurate investigations before reporting on me as a consumer.
Complaint sub-issue: Debt was paid

I had a letter from them when paid the debt many months ago.
Complaint sub-issue: Reporting company used your report improperly

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Complaint sub-issue: Their investigation did not fix an error on your report

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XXXX.18 by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 

The following is the fraudulent account with late payments/charge-offs status that I need removed by this company : 1.XXXX XXXX  XXXX , ACC # XXXX, Year XXXX, Make XXXX, Model XXXX XXXX, Serial XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX.18 and my small claims forms, in case they need to reference or review.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an 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. 

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 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: Information is incorrect

During my investigation LexisNexis states and reported that I lived at   XXXX   XXXX   XXXX     XXXX   XXXX   NY or is accurately associated with myself at time of claim in question dated  X/XX/13 . What I have found is there is no such address on   XXXX   XXXX   NY. The road does n't even exist.or address. This is completely false and inaccurate information. If said address even exist or road please provide said proof that   XXXX   XXXX   XXXX      XXXX   XXXX   NY. is factually as they claim. Given this false statement as they provided on four occasions as verified proof. They must remove the entire incident that occurred on  X/XX/13  as it is flawed with false statements also inaccuracies.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit report act XXXXXXXX XXXX  account number 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.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I purchased XXXX XXXX XXXX concert tickets from XXXX for a performance that was supposed to take place on XX/XX/XXXX. I purchased tickets for a specific date and time that worked for my family and I. This concert was cancelled for my purchased date due to the COVID-19 issues. 

I called XXXX within the hour after the band announced the cancellation to obtain a refund. They were unwilling to give a refund saying that the concert will probably be postponed. To date a rescheduled performance has not been announced. You can verify this by going here : XXXX XXXX   XXXX Under " RESCHEDULED EVENTS - NEW DATE CONFIRMED '', XXXX + XXXX is listed but there is no date. Even if new dates are announced, I purchased tickets for a specific concert on a specific day. 

XXXX is the only company that has not refunded me for items impacted by COVID-19. I had a rental car setup for this trip and even though it was " non-refundable '' they were the first to refund me. The hotel I was going to be staying at also gave me no trouble with a refund. I had " non-refundable '' tickets for XXXX at the XXXX XXXX and they refunded me with a simple email. Same for my airport parking reservation. 

XXXX has misleading and deceitful policies. It is such an issue that they have just been hit with a {$5.00} XXXX class action lawsuit for failure to refund ticket holders during this pandemic. No company should be able to withhold a client 's money because their business model is flawed and they " might not survive this '' financially. You can very this here : XXXX : XXXX I opened a dispute with my credit card company, Citi. They investigated but sided with XXXX and reversed the conditional credit I was issued. I have been a Citi Card member since XXXX and am disappointed in the way they handled this case. Citi never asked for documentation about what happened. Citi never asked for my side of the story. Hold times to reach a representative is over an hour. I charge upwards of $ 5000/month on this card. Apparently my business and XXXX credit score means nothing to them. 

I am asking that Citi credit me for the purchase at XXXX. I use this credit card because of the supposed consumer protections I receive when doing so. Right now they are non-existent. I wish to remain a loyal Citi Card customer. Please do the right thing Citi.
Complaint sub-issue: Account status incorrect

On XX/XX/2018 Equifax has responded to my previous complaints, that they require me to send a copy of my drivers licence and social security card before they will make the needed correction to my file with them. I have provided them proof I owe nothing on this XXXX/XXXX collection item, more than 6 times. Now suddenly, they require ID to proceed any further. I have repeatedly proven amply who I am by all of the normal ways used by them and all other CRA 's. I question why Equifax is stalling me on removing this false collection claim from my record with them, as soon as I gave the XXXX balance in voice to the other CRA 's, they quickly deleted all record of the collection from my files with them.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

All 5 HARD INQUIRIES ARE FRAUD. THEY WERE PUT ON ACCOUNT WHEN IT WAS FROZEN AND WENT THROUGH ANYWAYS. 
1. XXXX XXXX  2XXXX XXXX 3.XXXX XXXX 
4. XXXX XXXX XXXX 5.XXXX All 5 hard inquiries are fraud and we're pushed through when file was frozen. 

They did not follow federal law with FCRA SECTION 609 AND 611. It is so sad they took company to XXXX we're they do nothing for your credit even if customer. They locked me out so I can't even look at account. It is shameful are credit is in place were they don't listen and don't follow American federal law. FRCA is nothing to them.
Complaint sub-issue: Public record information inaccurate

I contacted XXXX County/Superior Court by phone and requested them to run my name and social security number through their systems to see what information was associated with my personal information. I was told by someone working that there was not any information in the system. I was also emailed stating the same thing. I gave her the case ID number that was on my credit report and she pulled that file up in the system. The file she pulled up has someone else named on it and I do not know that individual. I was also emailed the information that was associated with the case ID number that I provided. This took place XX/XX/XXXX. I have a lien judgment for the amount of {$590.00}. <P/>I also have filed several disputes with all the credit bureaus along with my supporting documents that I were emailed from by XXXX County. My disputes were last filed XX/XX/XXXX and were closed XX/XX/XXXX.
Complaint sub-issue: Debt was result of identity theft

Ive tried numerous times to settle this debt which is due to identity theft and I also reach out to DISCOVER to inform them about this fraudulent account that was open up without my permission or consent by a friend of mines that were living with me at the time when this account was open BACK in XXXX so at this point Ive tried to reach a common ground with this company Nobody has taken this into consideration again this is not my account I never open an account with DISCOVER a and I had no knowledge of this account at all I will not keep repeating myself I will be taking other steps and at this point I WILL BE FILLING A LAWSUIT ON THIS COMPANY YOU WILL HEAR FROM MY LAWYER SOON
Complaint sub-issue: Was not notified of investigation status or results

I mailed US post letters to the Credit Bureaus of XXXX, XXXX, and Equifax XX/XX/2022 about responding to inaccuracies that is affecting my creditworthiness. I followed up 30 days later for update of letters, with no responses.
Complaint sub-issue: Information is not mine

someone applied for a lot of items in my name i contact Equifax Credit Bureau i sent them letters and they never respond back.