Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

This company needs to be held accountable for putting this information back on my credit file. I do not owe anyone for a cell or cable bill. I disputed your inaccurate entry on my credit file back in XXXX and it was deleted. Now you have once again put the inaccurate entry back on my credit file. I contacted the company in XX/XX/XXXX and the file was removed. I was told by a female rep that I wasn't found in their system and they also needed the account number which is only listed on my file as XXXX. They don't even have a complete account number in their system. Also, so never received any type of notice from this place or phone call. I was told the account was for cable or cell but they couldn't tell me which one exactly but it was for XX/XX/XXXX. I have been XXXX since XX/XX/XXXX so I don't have a home to have cable. I have never had cable in my life when I did have a home. I don't owe any cell phone companies either. I want this company to stop putting this inaccurate info on my credit file. I want this entry removed and not placed back on my file. I want them to show me bills with the address listed where they were sending delinquent notices and creditor letters notifying me of the account. They have produced nothing.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/19 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late date from this account : XXXX XXXXXXXX
Complaint sub-issue: Company closed your account

Without notice my Citi XXXX  XXXX XXXX  credit card account was closed on XX/XX/2021. When I called to ask why I was told that I would receive a letter explaining the reason. I received a letter on XX/XX/XXXX with no explanation, just the requirement to send a letter via snail mail to get a reason in writing. I can find no reason why my account was closed. 

Additionally, their closing my account had a very undesirable impact on my credit score for no obvious reason.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with fair Credit Reporting act. The lists of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, STUDENT LOANS XXXX XXXX, AND XXXX/XXXX. Closed account XXXX opened XXXX we now in XXXX still on my credit report. XXXX also open XXXX still reporting negative activity 15 U. S. C. 1681 section 602 A. States a consumer reporting agency can not furnish a account without written instructions. 

15 U.S.C. section 604 A. no consumer reporting agency make any consumer report containing any of 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. 1681c ( a ) ( 5 ) Section States no consumer reporting agency make any consumers to any consumer reporting agency if the person knows or reasonable cause to believe that the information is accurate.
Complaint sub-issue: Company closed your account

I have been banking with Bank of the West for the past 4 years, never had an overdraft or any other negative activity on my account, I went to the bank provided them with 2 forms of ID changed my account type from starter to any-deposit which is their normal account type. They asked about my citizenship, inquiring which country I had a second citizenship with, while I have SS number and my real CA id presented to the Banker. The banker acted as if she was an ICE or IRS rep not a banker, I was shocked and offended but I answered questions and at the end I asked 3 time were all things in order bc I was sent a letter asking me to go into a branch an verify my Identity which I did 2 weeks ago, I was told all was ok and My bank account is in good standing. I asked my account wont be closed right and was assured it wouldnt be. Yesterday on XX/XX/2021 the bank in fact did close my account and did not inform me of their actions. I went grocery shopping and my card was declined, I was humiliated, I looked at their banking application and it showed my entire balance was debited without my knowledge without an indication of what had happened. I called and spent an hour on hold waiting for customer service to answer, was told a branch location in XXXX California, the original one which I had opened the account in, had closed my account and I needed to go to that branch and find out why, and try to get access to my {$3000.00}. I went today and was told very rudely that the bank doesnt have a manager that I could speak with! I was given a false main number to their bank back offices, I called and it was in fact the same rude teller who picked up and told me to call their 1800 number. I called that again today and their call center says I need to deal with the location branch! I asked if they could expedite my money to me faster and was denied that as well! They have send my money in regular mail, which takes 7-14 business days! I have rent due and other payments without access to my own paycheck which was automatically deposited as it always has been for the past 4 years! I do not see any other reason except for my race and my citizenship that this bank and its personal have taken such an action towards me! I believe deeply that the Bank of the West has discriminatory policies towards members like myself who are not natural born citizen because of the fact that they asked for proof of my citizenship!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My equifax does not allow me to dispute directly. Each time I get CFPB involve this company drops my score for things that it should not affect my score or there is not change at all. 
XX/XX/2022 I am an authorize user of XXXX XXXX XXXX XXXX account # XXXX which is in good standing and at a XXXX. Equifax negatively impacted my credit which is illegal for authorized users. They took XXXX total points for me being added to this good standing account bringing my credit rating down. 

XX/XX/2022 Equifax added {$120.00}, XXXX debt on my credit report for XXXX  XXXX servicing which is inaccurate. They decreased my score XXXX points for this error and has not replaced them for the inaccurate balance showing. 

I have lost a total of XXXX points for their error and an account that I am not the owner of because I filed a dispute with CFPB. 

They continue to give me my score back then close my dispute then turn around and take huge points away for no valid reason. I am starting to believe I am being discriminated against and should seek legal representation.
Complaint sub-issue: Account status

Equifax reported false information on my credit. My XXXX mortgage account was never late. They received information on the behalf of the military. They neglected to remove this information from my report. I need this removed from my report. They need to remove XXXX lateness from my report.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting my name incorrectly ( XXXX " XXXX '' XXXX ) in connection to two XXXX XXXX XXXX accounts on my consumer report. 

Attached you will find a copy of my USA issued passport ID as proof.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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.
Complaint sub-issue: Problem with customer service

Called on XX/XX/2022 to add my mom as an authorized user. She does not live in the US and does not have SSN, was told by the agent that another department would be able to override the requirement. Got transferred to an agent, verified codes. Got disconnected. Call again and found out that my account got blocked for further review. Spoke to a supervisor, and sweated all questions yet block was not lifted : I am leaving country in 6 days and need this card with me. This is just not right to have it blocked without any explanation.
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

Someone knocked on the door of my new address very late at night. One of my roommates opened the door and an unknown person asked for me. When I went to see who it was, they served me with a notice to appear at a pre-trial conference/mediation for an alleged case against me for debt from Citibank. This was the first time I was notified of this and right now, I am unemployed, so I can not make any payment arrangements with them. Furthermore, this debt is from Colorado but they are serving me in  XXXX   XXXX   XXXX , Florida. I want this to stop as I do n't have the mean financially or otherwise to deal with this right now.
Complaint sub-issue: Was not notified of investigation status or results

I thought I was supposed to receive a letter from you guys but I haven't received anything, I know that you received the letter I sent on XX/XX/2022 but you've ignored it. I'm seeking help to the CFPB about this matter so you will know this matter is of great importance.
Complaint sub-issue: Problem during payment process

I received my Home Depot statement dated XX/XX/XXXX. I noticed 8 unpaid invoices in total amount of {$230.00}. I also noticed 2 unapplied payments dated XX/XX/XXXX in total amount of {$300.00}. My account activity page shows {$130.00} past due for 60-89 days. I called customer service on XXXX, XX/XX/XXXX and XX/XX/XXXX to resolve issue. I was not even listened to. I was told that Home Depot did NOT know how to apply my payments, therefore I am late. This is unacceptable. I paid MORE than the total amount due. Received 2 late payment fees and was reported 60 and 90 days late to credit reporting bureaus. Standard accounting procedures dictate that the oldest invoice/charge be credited when payment is applied. Only Home Depot DOES NOT FOLLOW this procedure. I was told I need to sign a form allowing them to make this change for me. XXXX and XXXX DO NOT APPLY payments this way
Complaint sub-issue: Information is missing that should be on the report

Hard inquiries that are not mines on XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

XXXX  notified me via my membership of a NEW collection acct called SG and Associates - Amt XXXX There Address XXXX XXXX XXXX XXXX XXXX CA XXXX They List the original creditor is XXXX XXXX and then XXXX XXXX XXXX in XXXX TX They list this debt to be XXXX ** This is MAIL AND WIRE FRAUD * FRAUD BY DECEPTION - XXXX  and XXXX XXXX Refuse to enter this fraud debt on my reports, XXXX  is the only bureau to report=- Twice I have sent XXXX  an FTC AFFIDAVIT of ID THEFT. 

I ask The CFPB step in and delete this from my Credit Bureau Immediately - I am XXXX, XXXX and have been since XXXX- I phoned the manager at XXXX XXXX XXXX and they have no record of a XXXX XXXX XXXX . 

The Stute of Limitations on said debt no matter who it was is expired in Texas This blatant Fraud has cost me thousands of dollars and I will seek legal relief immediately
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 I notice there was serval errors on my credit report with XXXX, Equifax and XXXX. I reached out to them to fix the errors and also sent out a notice of error to remove all fraud that has been reported on my account without my written consent. The credit reporting agencies never responded back to me or bother to fix the problem. So I sent out a second notice on XX/XX/2022 to all the credit reporting agencies and still haven't receive a response back for them to fix the errors. This will be my last attempt to try to work this out before I have to take the steps to start the litigation process about the fraud activity taken place on all the credit reports.
Complaint sub-issue: Deposits and withdrawals

Well hard to describe specifics but for example Sence I never get the correct information from the bank phone or the branches I am told by bank phone to visit a branch to get help to get my account service when go to branch they refused to help me with no explanation and when I confront both one saids I don't know why they told you this and that and I get that same answer or excuse from both ends blaming each other but I catch my self going in circles and doing what they ask me to do believing they are going to help me and never get help and answers I need I fill like a puppet other words like they are playing a game with because it had happened very many times I drive far to visit a branch I spend gas money that I don't have and time and effort and I keep telling them how hard it was for me to visit a branch and they still continue to do it and I still haven't gotten the assistance that I need when complain about it some agents laugh at me like is funny and I have lots more to discuss but is to much I need to speak to someone to express all complaints is to much to write I can write a book about it
Complaint sub-issue: Account status incorrect

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. Equifax and XXXX should not be reporting that I am ( 90 ) days late on the XXXX partial account number XXXX ; Equifax and XXXX  should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX ; Equifax should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX ; and lastly XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. Every one of these accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I AM XXXX XX/XX/XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XX/XX/XXXXand XX/XX/XXXXneed to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Complaint sub-issue: Debt is not yours

For the fraudulent accounts : On XX/XX/2022 an account ending in XXXX was used to charge {$410.00} dollars from XXXX XXXX XXXX and another charge of {$100.00} at XXXX XXXX XXXX XXXX. On XX/XX/2022 the same account charged {$290.00} at XXXX XXXX. The bank they are using is armed forces bank. 

I received my first 2 letters Monday XX/XX/2022 regarding the above information from TRS Recovery Services Inc. One more letter arrived XX/XX/2022 with more charges from this fraudulent account.
Complaint sub-issue: Can't close your account

USbank closed my account but did not delete my information. It is unlawful. I need them to delete all my account information on my online banking. 

They closed both my checking and credit card account. The checking account information has been deleted, but the information of my credit card still remains on my online banking account. It has my name, address, phone number and all important informations. 

USbank does not provide any reason to close my account. That is fine, although this is stupid because I did not violate anything. But I have the right to require them to delete all my personal information online.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE.THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. IT IS VERY CLEAR TO ME. THAT MY IDENTITY HAS BEEN STOLEN FOR THESE FRAUDULENT ACTIVITIES TO HAVE OCCURRED. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF STRESS TO MY CREDIT, I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE,
Complaint sub-issue: Problem with product or service terms changing

My personal information has been compromised by the massive Equifax data breach. Equifax has acted negligently and criminally through the process of discovering the breach, selling some of their own shares before even informing customers of current personal risks. On top of that, they are only offering 1 year of enhanced protection.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this XXXX 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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXm XXXX now.with no help.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax sent me a letter ( 3 times!!! ) that stated they need proper identifcation to verify my disputes. I've sent them a copy of my ID and my social security card and they sent ANOTHER letter requesting the same information!! At this point, I'm convinced they are avoiding investigating the negative accounts on my credit report. The last letter with a copy of my ID and social security card was sent on XX/XX/2020 and the tracking number [ XXXXUSPS ] shows it was received. I am disputing all negative accounts and BKs because my sister has a similar name [ XXXX XXXX-my sister 's name ] of mine and we have a lot of accounts that are the similar from the same companies and I need for them to make sure all accounts are reporting properly and not cross referenced with my sister 's.
Complaint sub-issue: Threatened or suggested your credit would be damaged

IQ Data has ignored multiple requests for records concerning an alleged debt they are attempting to collect from XXXX for their client XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are reporting this derogatory account on my credit report and have verified it with the credit bureaus even after I submitted a dispute. there is no verification for this account. Federal law requires that it be immediately removed and blocked from reinsertion. IQ Data continues to violate the FCRA and FDCPA .They need to be held accountable. l am incurring damages as a direct result of their illegal business practices. I have done my due diligence to rectify it. I may need to pursue legal action if this matter is not resolved now.