Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with customer service

I closed my Citi card account sometime in XXXX XXXX. On XXXX XXXX, they notified me that I had a balance of $ XXXX. I called in to ask what could be done, and they offered to wire the funds to my new bank account. I gave the rep my routing and account numbers, and then did n't see the money for about a week. I called in to ask what had happened, and they said the money had been successfully transferred. Several higher-level reps have agreed that what must 've happened was that the first rep typo 'd my account number but not my routing number, so someone else ( not me ) at XXXX has my {$150.00}. XXXX told me I needed to get the trace number from Citi so they could open an investigation. I 've gotten all the way to the " office of the president '' with Citi, and nobody has been able to get me the trace number. My first contact with them was XXXX XXXX ( that 's when I gave the rep my routing/acc # s ) - it 's XXXX XXXX and I still do n't have the money or the trace number. I keep calling them and keep being told " we 'll call you back Monday, expect the money by Wednesday '' or similar, only to not be called back and not receive my money. 

Call timestamps ( CST ) : XXXX XXXX - Time unknown ( already pruned from my phone 's recents list ) XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I 've been promised callbacks no fewer than 6 times and never received one. It 's been a month and a half and I still do n't have my money. 

( The reason I 've been calling so many times since the XXXX is because I was given a direct number to the executive office on the XXXX, and every time I call it I get voicemail. )
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft. There are fraudulent inquires on my credit report that I noticed. I attached my Identity theft report with my State ID
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax removed an inaccurate credit reporting in XX/XX/XXXX and then put it back on my credit XX/XX/XXXX. This has resulted in XXXX missed payments on my score. This was a lease agreement, not a creditor. They have falsely reported the account as a line of credit and Equifax knows this and yet they allowed missed payments to ruin my credit. In addition the claim was proven inaccurate and removed over a year ago and now they have put it on again. 

The original complaint was against a property management company, XXXX XXXX XXXX. The item was found to be incorrect and removed and then put back on without merit. The item was a collection for a lease agreement. It has instead been reported as a line of credit with missed payments. The original claim was fraudulent and deceptive to begin with and removed by Equifax ( I have attached two dispute numbers, I do not remember which it was and Equifax has since deleted the disputes and resolutions however they looked it up when I called and admitted they put it back on in error. 

Putting this false reporting back on to my credit over a year after the initial removal has severely damaged my Equifax credit score. When I disputed this the investigation was closed four hours after I filed it ( I attached the screen shot of the date dispute was started and completed. Both are on XX/XX/XXXX. ) .Equifax did not even investigate properly. 

I have called to resolve and they admitted it was an error on their part however they have yet to fix it. 

I am so distraught that Equifax would do this to me. They do not pay attention to what they are doing and they do not care what the repercussions are for consumers.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX  DATE OPEN XX/XX/XXXX Charged off XX/XX/XXXX Balance XXXX Original balance XXXX Terms 82 months Responsibility - individual In accordance with the fair credit reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Personal information

The address on my credit report in incorrect I never resided at XXXX XXXX XXXX XXXX LA XXXX
Complaint sub-issue: Debt was result of identity theft

XX/XX/XXXX XXXXXXXX XXXX  XXXX {$3200.00} XX/XX/2015 XXXX XXXX XXXXXXXX XXXX {$1900.00} - $ XXXX {$500.00} I SENT POLICE REPORT AND CALLED COMPANIES WITH LAWYER SEVERAL TIMES
Complaint sub-issue: Didn't receive enough information to verify debt

First Reported XX/XX/2013 Original Creditor XXXX XXXX XXXX XXXX " MULTIPLE '' negative entries on my credit!!! I do not owe this. I want these multiple entries removed from my credit report!! I also want XXXX XXXX XXXX  reported to the XXXX XXXX XXXX  for this! Unethical business practice XXXX!! 

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

On XX/XX/2022 I submitted a complaint to the CFPB about Equifax manipulating my credit score and causing my score to drop XXXX points. What caused my score to drop XXXX points was Equifax falsifying information on an account that is included in a bankruptcy showing it with 4 late payments and being delinquent, all violating the automatic stay. On XX/XX/2022 Equifax responded with an Erroneous, False and Misleading response, all evidenced by my attachments. Count 1. I never disputed a bankruptcy. Count 2. Equifax claims to be disputing my complaint, their own records show there is no open dispute. Count 3. Equifax is preventing me from further disputing the account in question. Count 4. The account in question is showing 4 late payments and other false information on an account included in a bankruptcy. EQUIFAX IS IN VIOLATION OF THE FCRA 15 USC1681 AND 623 ( a ) ( 1 ) ( A ) AND 623 ( a ) ( 1 ) ( A ). NOW IS NOT THE TIME TO UPDATE THIS ACCOUNT, I DEMAND THE FOLLOWING ACCOUNT BE REMOVED : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00}.
Complaint sub-issue: Was not notified of investigation status or results

I ordered merchandise on the web but never received anything. No notification of status and I was never billed!! 
The company said it was delivered but could not produce any proof. 
The first I heard about this was a call from a collection co. I told them what happened as instructed I faxed a letter to them. 
Equifax got involved and said they would investigate. My credit score dropped 100 points. I offered to pay the amount in this dispute just to get my credit score raised. This was refused by both the collection co and the merchant. 
What do I have to do to rectify this?
Complaint sub-issue: Information belongs to someone else

Attached document shows various information of fraud that has happen for quite some time on credit report. I have all documentation attached to this email as necessary.
Complaint sub-issue: Problem with statement of dispute

During my duties as a XXXX of XXXX, XXXX, a XXXX company on XXXX XXXX, XXXX of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of XXXX. In many occasions I requested to XXXX XXXX XXXX to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to XXXX XXXX XXXX to remove any negative information on my credit report.
Complaint sub-issue: Debt was paid

In response to CFPB complaint XXXX XXXX  XXXX XXXX  a debt buyer, has again resorted to false and deceptive practices in connection with collecting an alleged debt purchased from CITI Bank N. A. which is a direct violation of 15 U.S.C 1692e specifically 807 ( 2 ) ( A ). XXXX XXXX XXXX has been contacted by certified mail and have not once provided the information proving I am contracted to pay them an alleged debt of {$840.00}. AGAIN pursuant 15 U.S.C. 1692 ( c ) ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except : 1. to advise the consumer that the debt collectors further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. XXXX XXXX XXXX has complied with none of this statute. The attached correspondence sent with their CFPB response from CITI Bank was a document from the original creditor that was sent to an address that does not/has never belonged to me stating that the debt was sold to XXXX XXXX XXXX. AGAIN, under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with CITI BANK N.A. CITI BANK N.A. gained a loan under my name and borrowed against my open end credit plan using my SS card. Once again I do not owe any alleged debt to XX/XX/XXXXor CITI BANK N.A. XXXX XXXX XXXX was NOT given consent to collect, sell or transfer any of this information or alleged debt by me the consumer. XXXX XXXX XXXX continues to knowingly and willfully violate my rights as a federally protected consumer. Once again XXXX XXXX XXXX debt claims are refuted.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am XXXX days past due on the XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing the complaint as XXXX, XXXX  and XXXX has refused to remove and account that has been clearly cancelled by the debt cancellation XXXX XXXX  received from DISCOVER FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was given a XXXX from discover and submitted in a dispute to XXXX to cancel the debt and have it removed from my credit report per fair credit reporting act. This can not be income and a debt at the same time. I have filed the XXXX on my income tax return which has officially made the previous debt now income. For some reason XXXX keeps reporting it as a charge off instead of honoring the fair credit reporting act and removing the debt from my credit report. I have tried to resolve this several time with no resolution from XXXX What is the point of a debt being cancelled if it is not removed from credit report.
Complaint sub-issue: Account terms

Default judgement signed on XXXX/XXXX/2016. First payment to be made assuming in XX/XX/2016. Employer received wage with holding order sometime in XXXX ( did not come registererd mail for accurate date ). Order dated XXXX/XXXX/2016. Funds were collected from XX/XX/XXXX-XX/XX/2016 pay period. The information placed on my credit bureaus are inaccurate as well as different depending on which bureau. Contacted the attorney general of TX to discuss. They insisted local office would have information pertaining to resolutions of this matter. Local offices suggest the Texas AG main office and have not provided anything further than what I received from the main state office. This should not be in my bureau and accurate data and time of payments due should have been correct prior to reporting this to all bureaus. I never received notification until I pulled my bureaus this was being reported. I have attached bureaus, wage with holding order received by employer, email documentation asking for resolution and clarifications, etc.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I obtained a personal loan from security finance in XX/XX/2018 with all intent to pay. I paid on my account twice and contacted them to let them know I lost my then job. The guy had an attitude so I decided not to go back. He then did 11 hard inquiries on my credit. I contacted him to let him know that his actions was illegal and it needs to stop.he stated that he didnt know a better way to reach me. He didnt call me once before I contacted him. He has since charged the account off and left a derogatory remark on my report
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested in previous letters to Equifax, to have Public Records Information re-investigated pursuant to the Fair Credit Reporting Act. In their response they claim that this information was in fact confirmed as mine with a third-party Data Furnisher called XXXX in XXXX of 2019.I have informed them and provided proof that they could not have verified these items with XXXX as I have a letter from them stating that there has been a Security Freeze on it since XXXX of 2019. It is impossible for them to have verified any information with this Data Furnisher and my Consumer Rights have been Violated by their inaction to correct this matter by deleting this inaccurate information from my credit file.
Complaint sub-issue: Reporting company used your report improperly

Greetings, I am unsure why the cases are still opened but the investigations have been completed on my end. However they were dismissed and investigated how they should have been by law. My rights have been violated. Please see attachment for more details or these violations and account numbers. Please allow a human to read the attached letter to receive a resolution. 

Thank you, XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

This is a complaint against XXXX XXXX. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened without my authorizacion is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Complaint sub-issue: Account information incorrect

I asked XXXX and Equifax to remove this information on my report as it is incorrect. 
They never did!
Complaint sub-issue: Reporting company used your report improperly

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. I sent XXXX XXXX, Equifax and XXXX all my FTC report back on XX/XX/XXXX and havent received any response Under the FRCA they had to block information from my CONSUMER report and FAILED TO DO SO within the 4 days of receiving my letter. I have over 30 INQUIRIES WHICH I DID NOT Commit nor gave my authorization so they are unauthorize!
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I reached out to I C System INC. in regards to a collection they have placed on my credit report for a XXXX XXXX debt. That debt was settled with the previous collection agency ( XXXX XXXX ) whom owned that debt at the time.I spoke with XXXX XXXX w/ I C System INC. and explained that in XX/XX/XXXX that debt was settled and considered paid in full and was to be removed from my credit report in which it was and this needs to be removed from my credit report and closed. He stated that I needed to take this matter up with XXXX XXXX   because if I settled with them it would not have been placed for collection now so I must have defaulted on my agreement. I explained I did not and this needs to be removed but he stated there was nothing he could do.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Several complaints I made for : Factual Data Corp. To remove the unauthorized inquiry from all three credit bureaus and to provide any documentation on this CFPB platform that display me consenting to a credit inquiry .... Factual Data Corp has fail to provide this documentation on all complaints. 
File # XXXX File # XXXX Factual Date Corp keeps insisting a letter was sent to me via mail ... that I never received. I am asking for those documents to be presented for review on this CFPB platform. 

Please upload files : Or delete inquiry.
Complaint sub-issue: Debt is not yours

Puget Sounds Collect has been reporting 2 collections on my credit file that they do not belong to me. I requested via certified mail validations of the debt with a specific requirements which they did not meet and in response all they send was a letter with a bill in a positive balance and a copy of what it seems to be a bill with a positive balance from a medical facility which is clearly a violation of the HIPPA Law, I also send them a letter certified mail to stop harassing me or cease and desist and they continue to report the 2 collections accounts on my credit file, I noticed they are violating federal laws 15usc1692b ( 5 ) and 1692f ( 8 ) by sending me mail with their company logos and balances stating they attempting to collect a debt which is another federal violation 15usc1692b ( 2 ). they are currently sharing my information illegally by reporting it to the CRA 's because, I never gave consent for any of my personal information to be shared nor this ALLGED debt belongs to me. The amount of the alleged debts are {$740.00} and {$140.00}
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX have violated my rights according to 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 : 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. Because XXXX and Equifax show totally different information and the dates, amounts and reporting information is inaccurate. The following shows the inaccuracies. This needs to be removed immediately. 

Date Opened XX/XX/XXXX XX/XX/XXXX Balance : {$43000.00} {$43000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$38000.00} {$38000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$6000.00} {$5300.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Variable rate Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

on XX/XX/2022 I mailed a letter to the UNITED STATES BANKRUPTCY XXXX XXXX XXXX XXXX XXXX, asking do they report bankruptcies to the credit bureaus OR any Consumer reporting agencies and the COURT sent me a letter back stating that " They do not report any information to the Credit bureaus and they are not responsible for verifying or validating Information from consumers credit files. So how did XXXX XXXX verify this allege bankruptcy as a 100 % ACCURATE. 


XXXX XXXX violated my Federal given rights under 15 USC 1681.

According to the FCRA : 15 U.S.C 1681 section 602 A. States I the Consumer have the right to privacy. 

According to the FCRA : 15 U.S.C 1681 section 604 Section 2 : it states a consumer reporting agency CAN NOT furnish a CONSUMER REPORT without written instructions OF THE CONSUMER TO WHOM IT RELATES.

According to the FCRA : 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. 

So now since XXXX XXXX Can not provide with the Permissible purposes document that shows that I the consumer give them written instruction to furnish, Publish or sale my consumer report to anyone. they have just committed AGGRAVATED IDENTITY THEFT. 

According to : 18 U.S.C 1028 - AGGRAVATED IDENTITY THEFT ( A ) ; Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

I also contacted PACER and they told me that the information may not be a 100 % ACCURATE therefor they can not PROPERLY VERIFY This account as ACCURATE. and they do not give out XXXX on Bankruptcies.
Complaint sub-issue: Reporting company used your report improperly

This debt does not belong to me. I have no dealings with Enhanced Recovery and have no business with them. I have never been notified regarding this debt. I found out about this unauthorized debt when I checked my credit report. These debt collectors are not following the laws. They are just buying debt to damage a person 's credit report without properly verifying the debt and the accuracy.
Complaint sub-issue: Their investigation did not fix an error on your report

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Innovis has been reporting unverifiable and inaccurate information on my credit from XXXX which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine.