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

There was an inquiry made on all 3 of my credit reports ( XXXX, XXXX, XXXX ), on XX/XX/2021, that I did not authorize or have knowledge of. I have never even heard of the company. I contacted Flagship Credit and they refused to look into it or even dispute it. I am requesting to have this inquiry removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX has a button to Check Rates of companies to see where your rate is on a competitive basis. I just received an email telling me that by clicking on that button I applied for a loan which I never did. When I replied that I never applied for a loan it was returned to me saying that the email I replied to can only send messages not receive them. This is a total scam without my consent. Please investigate! Thank you, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to dispute these accounts XXXX XXXX and XXXX fraudulently opened in my name. also, XXXX XXXX XXXX and XXXX inquiries. I am a victim of identity theft. Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX, XXXX XXXX  XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to XXXX XXXX, XXXX, XXXX and XXXX. Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S.C. 1692g ( b ). I have attempted to resolve this matter formally before filing a complaint and lawsuit! 
Please provide three things : 1. Validation of the debt ( the actual accounting ), and 2. Verification of claim against me ( a sworn affidavit or signed invoice! ), and 3. A copy of the contract binding both parties.

I would be happy to pay any financial obligation I might lawfully owe as soon as these three documents are received. Im challenging this account with XXXX, XXXX  and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my credit report on Credit Karma and noticed a hard inquiry by : XXXX XXXX, FL XXXX XXXX XXXX XXXX/XXXX The above transaction is not mine and Im extremely upset this showed on my report because it affected my score. Can you please help me? Credit Karma says to contact the creditor and the creditor says to contact credit karma and XXXX, its a big circle and no avail. I want this removed from my report. Thanks
Complaint sub-issue: Problem getting your free annual credit report

I am trying to get my free annual credit report with Equifax. The on-line form asks for a middle initial. I don't have one. It won't let me leave it blank, and there is only space for one letter so I can't put N/A or no middle name. 

I have spent an hour on the phone trying to call them. I pushed 1 and 2 and 3 and gave my social security number, etc. very obediently. Finally, they simply hung up. Back to square one. 

I tried contacting them electronically, but the middle initial issue stopped me again. I don't want to mail my request in with a copy of my driver 's license, etc. Too much trouble. Takes too long. 

Can someone tell them to allow for no middle name on their on line form? What else can I do to get my free annual credit report from Equifax? Please help.
Complaint sub-issue: Information belongs to someone else

The reasons why this is violating my rights by not following Federal Law as Authorized. 
The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately.
Complaint sub-issue: Personal information incorrect

In XXXX and XXXX, I filed a dispute with this Credit Bureau about theInaccurate reporting of addresses I've never lived at before XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX and phone numbers that I am not familiar with. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this company about these inaccuracies as of today. Thank you
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 Equifax to validate account ( A ). It is not permissible to fail to validate the reporting account 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 XXXX XXXX XXXX Balance-
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May  Concern : I received a copy of my credit report and found the following i

tem ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Hello Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose. "
Complaint sub-issue: Problem with personal statement of dispute

This is regarding a hard inquiry : XXXX XXXX XXXX  on XX/XX/2021. 

Their investigation and re-investigation did not prove to me of my consent to run a hard inquiry on my background or credit. I tried and tried but Equifax provided me with no concrete proof that it was authorize by me. I will take accountability for it when I know it was authorized by me but this is not one was not by me. I need this to remove off my credit report.
Complaint sub-issue: Account opened as a result of fraud

Received an email dated XX/XX/2022 at XXXX AM letting me know that my request for a Skrill account had been approved. A couple of emails later there was a confirmation that card XXXX has been added. The final email stated I needed to send in a copy of my identification to finish the process. The email address used to open the account was XXXX. 

I did not open this account. I attempted to contact them at the phone number provided XXXX and it continues to loop through a process of entering a pin and pressing 1 for English. You can not get to a live person. There's no email address to contact. The address given for the company in the email is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX. 

I have had several accounts opened in my name and I have consumer fraud alerts on my credit report. Just recently a XXXX XXXX XXXX account was also opened in my name that I have had closed. I need to make sure this account is closed and removed from my record, if necessary. 

Thank you for your help. 

XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

These accounts violated my federally protected rights. The following accounts are with XXXX balance. XXXX XXXX, XXXX XXXX XXXX balance in XXXX and Equifax ) XXXX XXXX XXXX XXXX ( only reports to Equifax ) These items have violated my consumer rights under the Fair Credit Reporting Act, 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected.
Complaint sub-issue: Can't use card to make purchases

I purchase {$500.00} gift cards using my SEARS Citi Master Card from XXXX XXXX XXXX. 
My card has be declined on at least ( 5 ) times and I was assure that this would not occur again. We live in a small community and it is very embarrassing to have your card declined in a check out line where we own a business and a lot of people know us. 
When we contacted Citi and explained this problem that only occurs at XXXX XXXX, they stated that they would note this and we will not have this recurring problem again and gave me a {$25.00} credit for our problems. On XX/XX/XXXX I planned to purchases ( 2 ) two {$500.00} gift cards and to avoid any problems I called the fraud division @ XXXX and tried to explain that was going to make the aforementioned purchase and was having difficulty understanding the person who also was inquiring about my Home Depot credit card which had no bearing on my Sears Card. I believed I had called a fraudulent phone number. Upon calling back I spoke to an XXXX who had all my security information including phone numbers, passwords etc. and then demanded my personal banking information and account information before she would discuss anything with me. I was having great difficulty in understanding was she was saying do to the fact she had a foreign accent. I believe I was discriminated against because I was unable to understand her and she blocked access to my card for retaliation and for threatening to file a complaint. I requested to speak to a supervisor, I was then placed on hold and upon entering XXXX XXXX I was disconnected from Sears Citi Card. I did not receive any texts or calls and when I attempted a {$49.00} purchase my card was declined. My account was up to date, I just paid the entire balance of {$7600.00} on XX/XX/XXXX my credit limit is {$20000.00}. I'm totally IRATE.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax is not removing or blocking an account per FCRA regulations when I submitted an FTC claiming I was a victim of ID theft. I'm attaching the report for your records. There is 1 account reporting to Equifax which are fraudulent & I'D like it removed from my report. This fraudulent item should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

MY CLOSE FRIENDS OR FAMILY MEMBER USE MY INFORMATION WITHOUT MY CONSENT I WAS NOT AWARE OF THIS UNTIL THIS YEAR MY PERSONAL INFORMATION WAS USE I AM A VICTIM OF FRAUD!! am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Trouble getting, activating, or registering a card

I opened an account with card.com and I was happy with my account and I didn't have e a problem using my card! I had a direct deposit from my job of {$4200.00} Card.com with out notice or calling me or anything they froze my card and they said they only needed to verify my identity through documents! I saw the email and I immediately sent all the documents they asked for! Then there next excuse was they couldn't see it! So I did what they asked and re-cent the documents in the form that they asked and they couldn't do anything for me they just closed my account and they couldn't explain why either.i did everything they asked to verify my identity. I would like to be reimbursed for the money that was taken from me.
Complaint sub-issue: Reporting company used your report improperly

Hi, On XX/XX/XXXX my credit was pulled for a XXXX auto loan which I fully agreed to. Since this date, there have been 2 additional unauthorized hard inquiries, one on XX/XX/XXXX and another on XX/XX/XXXX. The subsequent hard inquiries were not authorized. I do not understand why 3 separate inquiries were needed since my original application.
Complaint sub-issue: Company closed your account

In 2018 I was granted XXXX  in the United States. I followed the advice of my friends and opened a credit card with discover. Shortly after I experienced financial hardship and a XXXX XXXX which led me to a XXXX XXXX XXXX XXXX for weeks. At the end of my XXXX XXXX I found out discover had closed my credit cards and charged them off for non payment even though I talked to them and let them know what was happening. They refused to help me and they closed my accounts and sent them to the credit report which caused so much damage over the years. I havent been able to open a new credit card nor to open a new loan or credit line because of the hard report discover left in my credit.
Complaint sub-issue: Problem with rewards from credit card

The complaint concerns US Bank Credit Card. My mother passed away and I paid her final bill and realized she had unused points. On XX/XX/2020 I called the US Bank credit card customer service line and was told I could have the points transferred to my US Bank  credit card but first I needed to close the account and then needed to call them back once I closed the account. I was transferred to that department and closed the account. I called back and spoke to a different person in the customer service department and she told me that BECAUSE I closed the account, I could no longer transfer points. I spoke to a supervisor who told me if I immediately faxed in the papers which showed I was the executor of the estate which I did on XX/XX/XXXX. I called back on approximately XX/XX/XXXX and was told it was never received and further the account was in " collections ''. This could not be as there was ( is ) a XXXX balance. I asked for a supervisor. This person said the fax was received and it would be 5-7 business days before the points ( XXXX points- with a cash value of {$340.00} ) would be transferred to my account. I called again on XX/XX/XXXX as I received a letter saying they needed the executor papers. I spoke to a customer service agent and then asked for a supervisor. He said he found all the papers and that the points would be transferred within 7-10 business days- there would be no further problem. I called today XX/XX/XXXX and no one seems to have or know anything. I spoke to a supervisor and he said basically there is nothing he can do. I am on hold now to speak to the supervisor 's supervisor but I hold no hope of anything being resolved as now they are saying they have no record of any of this except my call on XX/XX/XXXX to check on this. I was told to cut up my mother 's credit card, which I unfortunately did and now I do not have her credit card number. What can I do? I have spent many many hours on this, doubled my frustration because I have lost my mother and now I am being told there is nothing anyone can do.
Complaint sub-issue: Billing problem

I got a loan for a car. I made all payments on time as they were set up for auto draft on lender 's web app. The account got sent to collections due to " being several months behind on payments '' according to the representatives on the phone. They pull the payment history and they are all on time. Then they say I am in collections because I am not paying my bill. Their collections department tried to get me to settle at a reduced amount. I refused. I am now set up for a payment plan to pay off the remainder of the loan. It is showing as a charge off on credit report. The lender refuses to change this status. I tried to dispute with credit beaurogh, but they just added that all payments were made on time and left charge off. My credit is still shot when I did everything right.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX CARD XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$380.00}
Complaint sub-issue: Their investigation did not fix an error on your report

There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX ( Equifax ) Incorrect Address : XXXX XXXX  ( Equifax ) Incorrect Name : XXXX XXXX ( Equifax ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX XXXX Opened XX/XX/XXXX Bal. {$360.00} ( I was never 30 days late ) XXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following inquiries were not authorized by me : XXXX XXXX XXXX XXXX 2 TIMES XXXX XXXX XXXX 2 TIMES XXXX XXXX
Complaint sub-issue: Information is not mine

I pulled my Equifax credit report for my XXXX XXXX course at my college. Upon looking at the report, I noticed an inquiry that did not belong to me ( XXXX ). It stated this inquiry took place on XX/XX/2016. I have never had a business relationship with XXXX and have never contacted them. I contacted Equifax over online chat to attempt to dispute it after finding their online dispute form did not allow me to dispute this fraudulent entry. After speaking with an Equifax representative, she rudely informed me inquiries are " matter of fact '' and to contact XXXX. I contacted XXXX and after searching numerous ways, they found that they had never pulled a report on me and I was not even in their system. I contacted Equifax again and spoke with another representative who also told me he could not help me. I just want the fraudulent entry off my credit report and no one will even investigate, despite the fact they claim they will within 30 days.