Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed an error for an account that I had with XXXX XXXX credit card with equifax, XXXX & XXXX. I have provided a copy of the check that I paid the account in full to both the credit bureau agencies as well as XXXX directly several times and yet this account is still being reported as late and not paid. Legally they are obligated to correctly report the right information and they refuse to.
Complaint sub-issue: Problem with rewards from credit card

This complaint and the attachments need to be reviewed and responded to by management. 
I was upgraded to the Macy 's XXXX XXXX card in XX/XX/XXXX, included was an insert advising that if I charge {$500.00} outside of Macy 's by XX/XX/XXXX, that I would be eligible for {$50.00} in Macy 's XXXX XXXX. Originally, customer service clerk XXXX XXXX wrote on Macy 's letterhead dated XX/XX/XXXX, that I was not eligible for the promotion because I needed to either register through the website or call XXXX, THIS NUMBER IS FOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I do not know what kind of XXXX  employees Macy 's employs, but this is a huge risk and embarrassment! The letter the clerk wrote and the promotional Macy 's credit card insert is enclosed. The insert has NOTHING on it even in the terms and conditions mentioning you need to call a XXXX XXXX XXXX to enroll your Macy 's XXXX XXXX card for a promotion!
Complaint sub-issue: Attempted to collect wrong amount

alliance one has been misleading me for a number of years now regarding the amount I owe the traffic court of XXXX county. they led me to believe i was eligable for an amnesty for which i sent them {$490.00} which was not amnesty since they claim now i am not qualified for all accounts had been sent to tax board and my wages garnished but as of XXXX/XXXX/16 that account no longer exists thier lawyer said i owed {$9500.00} yet thier office sent bill of $ XXXXand of {$8000.00} and yet i have paid off {$4500.00} lets get whats really owed and whats not I feel i should get a lawyer but with debt this much who can afford one
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORT, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INTIAL RESPONSE XX/XX/2021 30 DAY RESPONSE XX/XX/2021
Complaint sub-issue: Received unwanted marketing or advertising

I was called today by the XXXX XXXX XXXX XXXX about student loan forgiveness they were able to get all my information and they seemed like a scam. I spoke to someone named XXXX XXXX and he wouldnt give me his last name. They were to send my information to me but never did. Im nervous that my identity will be stolen.
Complaint sub-issue: Unexpected increase in interest rate

Hello, I made a purchase with Home Depot for Fencing material. When I made the purchase there was a promotion for 6 months zero financing. It took me over 4 months to receive all the material for the fencing. I spoke to the representative at the store and they informed me it would not be a problem with them extending the special. Well, I have found out that is not the case and they are not able to extend the financing special another six months as promised. Additionally, the initial order was canceled because they were unable to fulfil. They credited my account all fees but the XXXX delivery fee. I have been fighting since XXXX of last year for my refund
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX my car was totaled in an accident. Upon my insurance paying XXXX  ( the loan originator ) their portion of payment it left a balance owed. When I lost my job due to XXXX, I renegotiated my auto contract to lower my monthly payments to {$99.00} beginning XXXX, XXXX. They gave me up to and including XX/XX/XXXX to make my final balloon payment. To agree I had to make all payments ACH debit payments automatically from my bank which I did. I have made payments from that XX/XX/XXXX through XX/XX/XXXX of {$99.00} direct from my bank without issue. In June I receive an email stating to contact XXXX XXXX XXXX, the company who took over XXXX. They said I was behind on my payments to the 3 credit bureaus over 30 days. I sent a dispute to all 3 credit reporting companies along with bank copy of my payment they state is behind and a copy of my contract. XXXX Is suddenly changing my terms without notice and with only 2 payments remaining stating I only had until XXXX. They have charged me two late fees on my remaining balance. I contacted them via email and attached copies of my contract showing where I was agreeing to pay through XXXX  of this year. I stated that I would not pay late fees as I made my usual payments that cleared my bank in XXXX  and XXXX  and I would make my two remaining payments XX/XX/XXXX & XX/XX/XXXX as my contract agreed to. I have divided my balance less the late fees into two payments of {$150.00} each and will be closing this loan. They have posted that I have a late payment on all 3 credit reports ruining my credit dropping it XXXX points due to their reporting information. I want it removed off my credit reports, as it is not true and I have made pmts as agreed each and every month and I want to pay it off as agreed in my contract by XXXX  XXXX  and be done with this terrible nightmare. Disputes on XXXX  and Equifax lead to no change. Whatever XXXX is reporting is not true. They are stating my deferment ended on XX/XX/XXXX and my loan matured XX/XX/XXXX which is not according to the loan contract I signed attached to this complaint. Ive made all my contracted payments on the XXXX  and they have not reported a problem with any of them until now demanding my loan paid in full and reporting XXXX  and XXXX  as late payments. I am attaching proof I paid as agreed from my bank.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, There was a hard inquiry made on XX/XX/2017 that I did not authorize by the company called XXXX, I did sign any document giving permission for this hard pull nor did I authorize anything. I was looking over my credit and noticed this error.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This inquiries was obtained unauthorized and reported to the credit bureaus, and it gives me a negative impact on my credit report. Either this inquiries promised to be soft or hard pull still not authorize and have no agreement Whatsover.
Complaint sub-issue: Account status incorrect

Checked credit report after being diagnosed as XXXX and forced to retire. Saw on XXXX, that Mohela was reporting my student loans as adverse and unpaid. When I became XXXX in XX/XX/2018, I contacted Mohela for a forebearance extension, because of my XXXX. They advised that I contact XXXX to have my loan forgiven due to my XXXX, and they told me XXXX would take over the loan. Contacted XXXX at XXXX. Was advised that I no longer had to make payments on the loan, they would notify Mohela, and XXXX now had the loan. I would now enter into a 3-year probationary period with XXXX, and after 3 years, my loan would be forgiven. But Mohela is reporting my loan with XXXX  as adverse and closed for non-payment. I filed a dispute with XXXX  online, which they say never happened, I have a XXXX File #, and filed with them over the phone as well as mailed documents. They sent a letter back advising that they investigated it for 1 day, and changed the status as transferred to another office. I have documents to include, please. Why take this action against me because of my XXXX. I never asked to be XXXX. I just want to get back to work, which will never happen, and now Mohela and XXXX  work together to trash my credit.
Complaint sub-issue: Application denied

Citibank USA credit card department declined my credit card application since I dont have SSN or ITIN, however, I have an active checking account with them which was opened XX/XX/2019. I also have an updated US address on my file. I believe they can easily verify my identity due to the fact that I am already a Citibank customer. English is not my first language and I have an XXXX. I applied over the phone and declined my  application. In my opinion, I was discriminated.
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT. WERE DISPUTED WITH EQUIFAX MORE THAN 2 MONTHS THEY STILL NOT REMOVE FROM MY CREDIT REPORT.
Complaint sub-issue: Personal information incorrect

XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER 609,623,611 FCRA GUIDELINES.
Complaint sub-issue: Information belongs to someone else

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 71 days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Debt was paid

I remember paying off best buy credit card last year then all of a sudden I owed them like a XXXX dollars. I gave them the benefit of the doubt and paid it again. Now the same thing is happening where I supposedly owe them funds and its non sense. I paid them off. The credit rep tells me it bounced several months ago and the best buy rep that details purchases and credit card statements does not see where or why I owe money. 

XXXX reps are baffled as to why the payments are leaving as a check ... I never wrote them a check. 

Something criminal is happening here.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries are inaccurate and need to be removed as soon as possible. 

XXXX XXXX XXXXXXXX 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 multiple dates. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX multiple dates XXXX XXXX XXXX multiple dates XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

In accordance with the Fair Credit Reporting act XXXX, XXXX, XXXX and Equifax, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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. 

XXXX, XXXX, and Equifax are reporting personal information on my correct report. 
Here is a list of the incorrect addresses, please remove them : Addresses : 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 Names : XXXX XXXX The only address that should be listed is shown on this complaint. I also would like for you to correct the spelling of my name. There should not be any variations of my name because it is spelled one way. I have enclosed my ID as proof of the correct spelling. Again, here is a list of the incorrect name spellings : [ XXXX XXXX ] Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. Thank you!
Complaint sub-issue: Information belongs to someone else

Please remove this from my credit reports. This is not my debt!!!!!
I.c. Systems, Inc. XXXX XXXX XXXX posted a collection Amt of {$180.00} alledgedly reported opened in XXXX 2016. This is causing me a great deal of unnecessary XXXX & damaging my credit!
Complaint sub-issue: Information belongs to someone else

There is a Hard Inquiry on my credit report of XXXX  with the name of Discover Financial Ser ( see attachtment ), I have tried to dispute this with XXXX  and also Discover but both company denied to help me in this. 
I do not have any credit card or account with this company.
Complaint sub-issue: Reporting company used your report improperly

After checking about potential impact of Equifax data breach, I was notified that my personal sensitive information may be compromised. I would like to report this agency, Equifax, for allowing this to happen. There should be consequences in order for future protectors and users of our personal information to be responsible and held accountable for not adhering to best practices.
Complaint sub-issue: Was not notified of investigation status or results

So on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 52 days later I have not received a response. It appears that me exercising my right to address my credit is being ignored or perhaps I'm being taken advantage of. Section 611 ( a ) plainly states that failure to investigate these items within 30 days is a reason is a reason to immediately remove those items from my credit report. it has been over 50 days so I'm assuming they will be deleted promptly. I am requesting these items be removed posthaste or I will be filing litigation due to the undue stress this matter is causing me in my financial life. I am positive that my information was also impacted by the Eqiufax data breach possibly gotten into the wrong hands of someone who is not me!
Complaint sub-issue: Their investigation did not fix an error on your report

I received a letter of deletion and the closed account is stills remain on my credit.
Complaint sub-issue: Debt is not yours

XXXX  XXXX  sent me to a collection account for a bill that was not mine, For mobile service, I have never had mobile service, They said someone was using my SS and name and birthdate. 
Today XX/XX/XXXX filed a police report waiting to receive a copy of police report so I can ID Theft information form back to XXXX XXXX. 

XXXX XXXX sent me to debt collector ERC.date of invoice shows XXXX. 
XX/XX/XXXX I think they started using mobile service in XX/XX/XXXX. 
XXXX  XXXX, reference # XXXX
Complaint sub-issue: Company closed your account

This issue has been going on since last Wednesday ( XX/XX/21 ) Ive been calling about my funds coming to this account with Citi bank ( XXXX ) and they have been denying having my funds. I kept calling everyday and still havent been able to have my funds allocated to me here a week later and I need to pay my rent and my lawyer his retainer. This is ridiculous that Im a customer getting treated poorly. I just want my funds back. I have exhausted every level of trying to get my funds. But have yet to get them. My funds are still available n my mobile app. But this bank has shut down anyway if me moving my funds. Thry wont even help me get my funds. Ive talked to security. Ive talked to fraud. Ive talked to the early warning consumer agency they keep sending me to to discuss my funds that this institution has. Its prejudice and I feel discriminated totally
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Their investigation did not fix an error on your report

They are still showing on my report I've requested to have a fraudulent card open and used from XXXX XXXX/XXXX  and it was ran again against my credit. Also other things are still been showing on all 3 credit bureaus that should not have even been placed and I asked to have researched and the disputes have come back stating they will have them updated and hard inquiries that I did not apply for. I have been monitoring my reports and see these being done and sent disputes and still nothing!!
Complaint sub-issue: Other problem getting your report or credit score

I can not find my XXXX child 's social security card and fear that it may have been in my purse when it was stolen in XX/XX/2016. Thus, I am following the recommended steps to get a credit report on my XXXX child under XXXX, which includes filing this complain with CFPB. I also filed a police report.
Complaint sub-issue: Their investigation did not fix an error on your report

In early XX/XX/2022 I made a {$500.00} payment to a credit account ( XXXX XXXX ) to bring my debt ratio down below the 30 % mark. On XX/XX/2022, both XXXX and Equifax registered the payment and DROPPED my score by XXXX POINTS! I have filed a complaint with XXXX ( who collect my scores ) and they directed me to file a dispute with the credit companies. I did as advised, both companies have acknowledged that it was correct to report that I made the {$500.00} payment, but they refuse to adjust my credit score. 

I do not think the credit reporting system in this country is designed to penalize people for reducing credit. The credit reporting companies give the public clear guidelines about how to manage a " good '' credit score. I have followed those guidelines and had gotten my score up into the " very good '' range. A XXXX point drop buts me on the border between " fair '' and " good ''. This is a travesty that I believe keeps Americans from lifting themselves up in society. Please address this. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit report is showing that Im in an active bankruptcy which it was discharged last year in XXXX. I tried numerous of times to dispute with no answer back from Equifax. They are intentionally not completing my disputes which is harming me from getting a mortgage.
Complaint sub-issue: Account status incorrect

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX WASHINGTON, DC XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, account is reporting 30,60,90,120 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Complaint sub-issue: Didn't receive notice of right to dispute

Ive been keeping a close eye on my credit report through XXXX XXXX and various apps. XXXX   notified me of a account in collections that I never received any communication about. The debt information was dated back in XX/XX/2020. To my knowledge that debt is over 5 years which is time barred. Also XXXX XXXX XXXX wrote the debt off the following year. I believe AFNI is doing illegal tactics by not sending any notice to the consumer in writing and reporting time barred debt.
Complaint sub-issue: Problem getting report or credit score

Equifax refuse to send me my credit report I have done every thing they asked of me but they refuse to send my credit report.
Complaint sub-issue: Information belongs to someone else

I put in a dispute about the inquiries on my report that is not me and no proof has been sent.
Complaint sub-issue: Account terms

I have payed my XXXX bank credit card down to XXXX and Credit Karma still says its at XXXX. Ive cancelled my XXXX bank credit cart and Credit Karma still says that the card is open and valid. The information on my credit report is updated according to Credit Karma and is rarely accurate. This is partially effecting my credit score.