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

I pulled my credit report on XX/XX/XXXX and noticed 5 hard inquiries on my Equifax report. I called Equifax to have them removed because they were not authorized by me. The representative removed 2 hard inquiries with XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. He said he was unable to remove the other three, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft, and XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Complaint sub-issue: Old information reappears or never goes away

Equifax caused me identity theft after they got hacked in XXXX. Its been years now and equifax still refuses to assist me instead sending me a letter stating I need to mail them my id which I dont have to. After 4 years of the fraud caused by equifax I filed bankruptcy chapter XXXX on XX/XX/XXXX Chapter XXXX. Equifax has accounts on my file that say they havent been updated since XXXX which are fraud. XXXX XXXX was included on the bankruptcy petition. As was prosperity, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. These are all discharged debts yet equifax reports these as charge offs instead of bankruptcy chapter XXXX discharged. This is against the law. None of these debts can be collected legally any further as they were discharged. I do not owe these debts.
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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

XXXX is reporting late fees on all of my credit reports. It is improper use if my credit report and hindering me from home ownership
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Investigation took more than 30 days

Innovis has been told several times that the XXXX account ending in XXXX was opened fraudulently. In spite of this, the company has reinstated the account on my report. However, the credit grantor has removed this account as fraud from my report. Innovis must not report any XXXX account opened in the date of XXXX XXXX. If innovis reports another XXXX account opened in XXXX XXXX, I will sue for violation to the Fair Credit Reporting Act.
Complaint sub-issue: Unable to open an account

I have been trying to open a passbook saving account but cathay bank tells me different stories customer service rep in messages section said I can branch is tell me no and a representative from they headquarters said they only open for senior citizens I find to be aged discrimination because I'm trying to save better I'm trying to handle my finances better to buy a home in my future I really don't like statement saving I would like a pass book and I know I can be given it I was not given a opportunity to change to passbook
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX purchased my XXXX account from XXXX XXXX, sent me a new card and advised that I would earn 5 % on purchases until XX/XX/2020. When I went to activate card they told since I was an existing customer I did'nt qualify. I declined to activate and requested the account be closed. THEY NOT ONLY CLOSED THAT ACCOUNT, THEY REMOVED MY ENTIRE 15 YEAR PRIOR HISTORY ( see bureau ) I have sent all bureaus copies of this. Since my complaint they have added 15 different remarks to my bureau in an attempt to intimidate me. If you look at my bureau you will see this is an obvious assault on the elderly. They put incorrect information in the bureau daily to change my credit score. I have printed documentation that I will gladly send to you They have nothing to do with my prior history with XXXX ( 15 yrs perfect pay ) so0 what gives them the right to remove this positive info from my account. Why put 15 remarks on my account?, why enter one day a {$5.00} account that does'nt exist then the next day add {$300.00} to it? This is bogus. I XXXX off a XXXX XXXX employee and this is their way off showing me the power they have. This needs to be corrected> Thank You XXXX XXXX
Complaint sub-issue: Account status incorrect

After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX ) in the Account Number, Account Type, Account Status, Payment Status, and Last Report Date sections. Equifax is reporting a derogatory payment status, XXXX and XXXX are reporting a current payment status. now all three of these cant be accurate. 
These accounts appear to be furnished by the same creditor so why is all the provided data different?
Complaint sub-issue: Didn't receive advertised or promotional terms

Discover Card sent me a promotion in the mail for 0 % interest for 14 months on {$4000.00} dollars. After I got the card, they began charging me interest. I spoke with them numerous times and they just said their records show an interest fee. That's it. They just get away with false advertisement and go on. I'm paying off the full amount and will never deal with them again. They are a scam company big time and don't care.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX contacted me without disclosing their intention of the call, left no voicemail. I called back and communicated with a representative about the alleged debt and stated that I do not owe the debt. The agent asked for information about the nature of my relationship with alleged debt original holder, the agent did not provide notification or inform me of my rights, that is required by law. I requested documentation and verification of the alleged debt, the agent did not provide any information about the debt other than the amount and original holder when I requested specific factual details about the alleged debt. Several days later I received a notification about my credit report having a new collections account from the collections agency XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

There are late payments posted to my account by Sallie Mae. Also there are many hard and soft inquiries that I did not authorize with my signature.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companie : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) ( dupicate ) please remove one of these inquires. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Information belongs to someone else

I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX, XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the credit fair reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

15 U.S.C 1681 section 602 A. Sates I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency connot furnish a account without my written instuctions
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax did not fix the problem and Equifax is reporting inaccurate information on my credit report. This XXXX XXXX  XXXX account is not mines and needs to be deleted of my credit report.
Complaint sub-issue: Problem during payment process

With my Kroger Rewards Master card issued by US Bank, I make sure that I have auto payment mode turned on. I made a payment on this card earlier than the scheduled payment. Now, still they are deducting my payment for this month even though I turned the auto payment option off. This us the second time this particular incident happened. The payment will go through and deducted from my checking account and that messes up our budget. We are only on Social Security for our fixed income and something like this greatly affects us. Now we have to borrow to cover up for this Card 's gross mistake. It takes them somewhere from 7 to 10 business to refund me. I have other credit cards and when I pay my required payment even before the due date, it's considered as having made and satisfied my monthly obligation. I'll have to call them up again and probably wait for up to 10 days to get my refund. Please help.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX # XXXX is reporting a late to my account that I should not have. My mortgage account was transferred over from XXXX and I was not informed of this, I did not receive any kind of letter or notification about the transfer of my account. I did try to make payments to them however they were declined and they would not accept it. I tried to pay my account on time and this late is not my fault.
Complaint sub-issue: Other problem getting your report or credit score

On today I was informed that my credit file was being suppressed because a creditor / collection agency has stated I am not who I say I am. The credit agency is now asking me for a copy of my social security card for which I am already a victim of identity theft HOW CAN A COMPANY ( collection or otherwise ) have influence to suppress and or block my credit account without prior authorization. I have not elected for a freeze that would create this effect. 


This is a violation of the fair credit reporting act. not to mention my rights as a citizen. I am a citizen of the UNITED STATES OF AMERICA. Any information given to credit agencies is then shared with the collection companies even if it is reported as FRAUD with the affidavit and police reports on file. It does not seem as though the credit agency can be unbiased and act with integrity. This is STRESSFUL AND IS a form of discrimination. This paralyzes me to provide for my family and any business that I may be conducting business with.

This needs to be removed immediately.

I will be filing complaints with the FTC CFPB XXXX  TEXAS ATTORNEY GENERAL DEPT OF JUSTICE Governor of TEXAS
Complaint sub-issue: Information belongs to someone else

This does not belong to me I have no debt with XXXX, I currently have XXXX and worked for them 8 years and have had my account ever since. Please remove this from my account immediately. Its shows it was opened 3 months ago this is definitely incorrect.
Complaint sub-issue: Account status incorrect

XXXX # XXXX is reporting a collection that I do not owe. This account is settled and should not be reporting a charge off onto my credit. This is in violation and it needs to be removed.
Complaint sub-issue: Debt was result of identity theft

I received a court subpoena for a Discover account on XX/XX/XXXX. 
I had no knowledge of such an account being opened under my name. 
On the same date I checked my credit report and noticed 30 other accounts that were opened fradulently due to Identity theft. 
I submitted a dispute through XXXX for the Discover account as well as the XXXX accounts that were opened. XXXX agreed with the identity theft claim and subsequently removed the accounts from my credit report. However Discover Card rejects the dispute, and states the information was reported correctly. 
I provided a Police report as well prooof of my mailing address which is different from that which was used to open the account
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Account # XXXX ( XXXX ), has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction.

15 USC 166B : A creditor may not treat a payment on a student loan account under an open end credit plan as late for any purpose. 


Note : This account was fully XXXX due to my 100 % XXXX VA rating in XXXX and XXXX of 2020
Complaint sub-issue: Account information incorrect

on XX/XX/XXXX I began writing letters to dispute inaccurate information on my credit report with Equifax. on XX/XX/XXXX I sent them a letter because they failed to respond. In my notice I gave them 15 days to to respond. Still no response. On XX/XX/XXXX I sent another failure to respond notice with intent to file a complaint, and they still gave not responded.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Nelnet student loan serving is not only over charging me for student loans/fees but refuse to allow me lower payments. I have requested in writing on at least 3 separate letters to settle the debt with Nelnet in exchange for the original note of indebtness. The company sent me letters to make payments to an amount which can not be verified. Nelnet representatives have accused me of consolidating loans which included a parent plus loan. I flat out deny that! I have been on forebearance because of Nelnet 's inability to verify loans and assist with a affordable payment schedule. I believe Nelnet 's practices and the inability to provide accurate service and loan information is directed primarily at minorities mainly XXXX XXXX. I have attempted and tried on numerous occasions to obtain accurate and correct information but to no avail. The Dept. of Education, Congress, and the Attorney General 's Office should investigate as to how Nelnet takes advantage of  everyday people trying to survive. Their practices and tactics are embarrassing. CFPB, you have the power to demand and enforce legal practices in regard to student loans. I did not sign any promissory note and will pursue legal action if Nelnet does not provide me with an orignial document that I signed. Thank you and Godspeed!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXXXXXX XXXX XXXX Paid in full ) {$840.00} XXXX XXXX XXXX ( Paid in full ) {$1500.00} XXXX XXXX ( was removed and re-inserted illegally ) {$1300.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

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

I have disputed the student loan account with Equifax for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for loan applications. DEPTEDXXXX XXXX; DEPTEDXXXX XXXX DEPTEDXXXX XXXX; DEPTEDXXXX XXXX; DEPTEDXXXX XXXX;
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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: Attempted to collect wrong amount

I am currently XXXX and have an issue with XXXX XXXX. My spouse had a family plan with XXXX XXXX that we were unable to keep due to transferring XXXX. In XXXX, they do not have XXXX XXXX service. So, my spouse spoke to both representatives on the phone and in store from XXXX XXXX. We presented them with our Change of XXXX letter that stated we were moving from XXXX to XXXX. The employee my wife spoke to over the phone assured her that our account would be closed out with no outstanding debt. His information is as follows : XXXX XXXX Employee ID # XXXX. Her conversation lasted around 3 hours on the phone and she was assured that there was absolutely no outstanding balance and that we were good to go for our transition to XXXX. We have tried since to resolve the issue again with XXXX XXXX, but they have gone back on their original terms and now say that we owe them {$240.00}.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES AS IDENTIFIED AS INQUIRES THAT WAS PLACED AND REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I AM IN THIS POSITION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE BEEN LEFT TO DEAL WITH THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT BEING IN THE STATE THAT IT IS IN. MY LIFE IS AT A STANDSTILL AND THERE ARE SO MANY THINGS I WOULD LIKE TO ACCOMPLISH. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INACCURATE ACCOUNTS AND INQUIRES HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Complaint sub-issue: Old information reappears or never goes away

I'm making sure my personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleted from my file. I have things that are reporting on my credit file that were previously deleted by other CRAs but still being reported by EQUIFAX. Attached below will be proof that the things being reported on my profile have been DELETED BY OTHER CRAs but still being reported by EQUIFAX. on XX/XX/2022 i received an updated copy of my credit report showing XXXX were unable to fully verify accounts on my report. It was deleted immediately afterwards. Same with XXXX. But unfortunately, Equifax is still showing these accounts on my report. I NEED EQUIFAX TO UPDATE MY CREDIT REPORT WITH THOSE ITEMS REMOVED THAT WERE REMOVED FROM OTHER CREDIT REPORTING AGENCIES 15 U.S.C. 1681i 15 U.S.C. 1681i 15 U.S.C. 1681i
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is reporting inaccurate information such balance owed, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was owed when they said this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I owe this debt to XXXX XXXX! I keep disputing and XXXX, XXXX, Equifax saids that things were updated non related to my dispute!! I Demand documents bearing my signature showing I owe XXXX XXXX this debt!! I have sent out certified letters to them and I received itemized bill! you will not fool me with itemized bills!!
Complaint sub-issue: Reporting company used your report improperly

In accordance to the FCRA, Equifax violated my rights under 15 U.S.C. 1681 section 602 A, which states I have the right to privacy. Also 15 U.S.C 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written consent. Below are a list of inquires I did not give my written consent to publish. 

XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX, XXXX ; XX/XX/XXXXXX/XX/XXXX