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

We stayed at XXXX XXXX by XXXX hotels last XX/XX/21. It is part of their scheme to have the visitors to attend one of their seminars for 1 hour they said but it took us 5 hours. At the same date as above, they offered a timeshare and with our consent we agreed to have our credits checked and just to see where we at. We provided our information and signed some consents that they will just use our information to see our current APR for timeshare. We we're there for 5 hours because many of the agents goes back and forth to all the visitors/attendees trying to convince us to take a timeshare. We straight up told them we are just inquiring and just curious and not really planning to get XXXX at least for the time being. All the agents look so XXXX and annoyed. They we're not very professional and kind of forcing us to sign but we never did. 1 month after, I received a letter that I opened TWO NEW CREDIT CARDS FROM XXXX. The first one is from XXXX XXXX XXXX with a credit limit of {$1600.00} and the second one is from XXXX XXXX Bank XXXX XXXX XXXX for a credit limit of {$5000.00}. Attached pictures are the evidences and the dates when they opened a credit card for us. 

It was never agreed that I will open any credit cards under them. And I never consented them to use my information specially my Social Security to XXXX and XXXX XXXX XXXX. This also hard hitted my credit score and also my wife 's because they actually attempted to open a credit card to my with XXXX too.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed this alleged student loan account. I've previously requested to see a copy of original documents with my signature for this loan. I didn't receive the documents in 30 days any of the three credit bureaus. As I further investigated all three credit reports. I noticed the creditor reported different account balances for this account.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Information is incorrect

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B
Complaint sub-issue: Didn't receive services that were advertised

Three years ago I had identity theft and enrolled in Equifax freeze protection. They charge my credit card {$6.00} per month.
Recently Equifax has had a breach in their data and I looked on their website and it shows that my data has possibly been affected and they offer a FREE Freeze product via Trusted ID Premier, which I signed up for. Please see attached proof of process dated XXXX17. 

After five days when I still had not received the " final '' activation email I started to call and was on hold with a variety of telephone numbers for hours over a four day period. When I finally did reach someone, they had no idea why I did not receive the above email and I should just give it more time. 

After another four days I finally called Equifax sales at XXXX who is the department that sold me the original above {$6.00} product. The sales department answered their phone within 10 minutes. Umm, something to think about.
Anyway, the Sales Rep said the reason I have not receive an activation email for the free product is because I have the {$6.00} product. The Sales Rep said the only way to get the FREE product is to cancel the {$6.00} product. Though she WARNED me that once I cancel this {$6.00} product I will be exposed to identity theft for at least a week until Trusted ID can activate the free product.
How does that make any sense? The Sales Rep said it is the only way to get the free product.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX  XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX  Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Investigation took more than 30 days

I contacted Lexis Nexis Consumer Center on XX/XX/2021 by certified mail to challenge the validity of an alleged bankruptcy that Lexis Nexis has listed on my consumer report. On XX/XX/2021, Lexis Nexis responded via mail that I did not send my state identification card in with my initial request, when in fact I did. On XX/XX/2021, I contacted Lexis Nexis by certified mail, and resent a copy of my initial request along with another copy of my state identification card. As of XX/XX/2021, Lexis Nexis has failed to respond to my request of an investigation of the alleged bankruptcy that Lexis Nexis has listed on my consumer report that is causing irreparable damage to my credit profile.
Complaint sub-issue: Information belongs to someone else

About 6 months ago I pulled my credit report and noticed numerous accounts on my credit report that I did not recognize. These accounts do not belong to me. I submitted letters to the credit bureaus and the creditors that appeared on my credit report requesting information that the accounts belonged to me when they were opened etc. No responses. I then started directly sending certified letters to all three credit bureaus advising that the information is not mine and requested it to removed and requested response from them. The accounts there were in question are ; XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. The most recent letters that went out with no response was on XX/XX/2018. For XXXX  the tracking # is XXXX Equifax tracking # XXXX and XXXX tracking XXXX. In the letters that were sent, I advised that they have 30 days to respond or remove before I file a complaint. I received no response from any of the bureaus. I then submitted a second letter on XXXX tracking XXXX XXXX Equifax tracking XXXX XXXX and XXXX tracking : XXXX. To this day I have not received any responses from either of the 3 credit bureaus and these accounts remain on the credit report and negatively impacting my credit.
Complaint sub-issue: Didn't receive notice of right to dispute

There is an unknown collection being reported by ERC XXXX. I am unaware of this company and have not been notified and/or informed as to what this collection is in relation to. I have no knowledge of any outstanding debt with ERC XXXX and have received no verification of any accounts for which I allegedly owe.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXXXXXX XXXX in the amount of {$71.00} XXXX XXXX XXXX in the amount of {$920.00} XXXX XXXX have notified me that they have communicated to you to delete 2 accounts in the amounts of {$310.00}. Yet you are still reporting them on my credit file. If these are not removed I will be definitely be forced to sue. How can you report something that even XXXXXXXX XXXX have deemed to not belong to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

On XX/XX/18, I received a phone call asking to speak XXXX XXXX. That is my maiden name and has been changed for almost 14 years at this point, so that was the first thing that made me think this call was phony. The person on the phone said that there was some paperwork they are trying to get to me and asked me to confirm an old address. I figured the call was about old debt that is past the statute of limitations, I should have played XXXX  and got them to break more laws, but instead I asked them to provide me the address to send them a cease and desist. The fellow refused to provide the address and I requested to speak with the manager. XXXX then got on the phone and played bully. She refused to give me the address unless I confirmed my information which is illegal. I advised her I manage a XXXX XXXX and she then doubled down on her message. I asked repeatedly for the address and she flat out refused giving all the old school collection tactics I thought have been retired. 

I think the company is D2 Management LLC, the rep said D2M was the company name.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from XXXX  or XXXX  credit agencies. I did receive a response from Equifax but they did not resolve all of my issues.
Complaint sub-issue: Problem cancelling or closing account

I noticed that every time I tried to access my credit score I could n't get them every time I logged in the report would come back that I do n't exist so I demand that u investigate XXXX XXXX and XXXX XXXX XXXX I never used those names thank u
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Debt is not yours

AFNI is reporting that I have a {$2900.00} collection balance with their agency. I have told them repeatedly that this is not my debt, and they have made a mistake. Furthermore, I have asked them to forward me a verification of the debt, if they had anything to prove that this belonged to me. I have made several requests for this verification of debt over the last 6 months, but I have not received anything back from AFNI. AFNI does not supply a verification of debt, despite numerous requests. Yet they continue to report their mistake on my credit report. In doing so, they are violating my rights.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted all 3 credit reporting agencies and all 3 told me that inquiries are permanent and can not be removed. I explained that they are not legitimate inquiries and that this has happened to me before when I was in the military where someone repeatedly tried to get credit in my name. They told me that there is nothing they can do about the inquiries. 

I called multiple times only to get the same answers and I submitted online disputes but they have not corrected this. 

The inquiries include XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Didn't receive terms that were advertised

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Upgrade XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Promotional Offer Demand Letter To Whom it May Concern : On XX/XX/XXXX, I applied online for an Upgrade Card at XXXX XXXXXXXX XXXX in response to a promotional offer to earn XXXX SB after you deposit your first {$25.00}! on XXXX 

I met the terms but the SB did not post. 

Now, I respectfully demand that XXXX XXXX XXXX pay the advertised bonus of {$75.00}. 



Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.
Complaint sub-issue: Application denied

Best Buy services, always says oh your score is too low, this means I am discriminated against, I have been turned down five times, it seems like they only help people with High credit do not discriminate against, fix the problem
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Complaint sub-issue: Account information incorrect

XXXX XXXX  is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the XXXX  credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time. 
The personal information appears with different names and I want it to be placed as stipulated by law, the same one that has the social security card which is XXXX XXXX and the address XXXX XXXX XXXX XXXX Florida  XXXX. 
I want a true score considering that no late payments were made. 
In the credit report I have student loan accounts with the company XXXX # XXXX {$4500.00} and {$3500.00}, other accounts XXXX XXXX {$3500.00}, {$5300.00}. This account is not yet authorized to charge and I want them to be removed and appear when authorized. 

Thanks for your help and justice
Complaint sub-issue: Information belongs to someone else

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX {$620.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : {$43000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

To whom it may concern ; XX/XX/2022 XXXX, XXXX, Equifax : Furnished knowingly fraudulent information on behalf XXXX XXXX XXXX of a balance of {$190.00}, such as late payments, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be find under title 18 or Imprisoned for up to 5 years, or both. 

Please delete this account immediately. After you have finished my request please send me a copy of my credit report reflecting these new changes.
Complaint sub-issue: Personal information incorrect

Tried calling XXXX, Equifax and also XXXX to remove addresses that were not accurate on credit report. Was not allowed to remove said addresses. 

XXXX has an inaccurate previous address of XXXX XXXX XXXX XXXX La, XXXX. It also has the wrong current address. I have not lived there at any time. My current address is XXXX XXXX XXXX XXXX La, XXXX. XXXX XXXX   XXXX XXXX XXXX La, XXXX is my correct previous address. 

XXXX has an inaccurate previous address as XXXX XXXX XXXX XXXX La, XXXX. I have never lived at that residence. 

Equifax has two inaccurate previous addresses as XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is also an inaccurate previous address. I have not lived at either addresses at any time.
Complaint sub-issue: Account status incorrect

Company reported my loan XXXX XXXX XXXX XXXX loan XXXX, when 30 days delinquent when i have made payments on time and informed immediately about Covid-19 impact. XXXX is practicing predatory lending practices ... i trusted them to use their credit builder loan to help me it is destroying my credit at a crucial time. I have made payments on time. XXXX XXXX is causing irreparable harm to my XXXX  credit report by falsely and fraudulently reporting my loan as 30 days delinquent..When i have making payments on time! I have sent screenshots that show my loan is current. They are destroying my progress. I trusted XXXX.
Complaint sub-issue: Information belongs to someone else

opt out off XXXX XXXX or any date reporting system id theft victim ftc violation was sent to Equifax with my 4 social showing on credit report and they haven't done anything
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : 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: Investigation took more than 30 days

I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XXXX XXXX, 2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.
Complaint sub-issue: Reporting company used your report improperly

Equifax is not properly investigating my disputes. I have mailed them a XXXX page dispute letter certified mail. I am requesting that they complete a thorough investigation as stated on the letter
Complaint sub-issue: Information belongs to someone else

I was made aware of several negative accounts and some inquiries on my credit today XX/XX/2020 because I was turned down from getting a loan at XXXX credit union. I looked through each of these accounts & inquiries and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information such as my social security card, date of birth, address etc. I did not gain anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards any of these accounts. I have already notified the companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Referencing case # : XXXX with respect to Equifax Credit Bureau which I had earlier complaint about my situation here and just on XXXX XXXX I got the attached letter that my request has been updated and completed i.e that my SSN is hereby reporting correctly on my Equifax credit file. 
Today, my financial institution re-pulled my credit report and still reporting the old EIN number and I called the bureau to have an update on the situation since they already sent me an update in a letter and I get to speak with an employee : XXXX XXXX with staff ID # : XXXX ( according to him ) who now informed me that the SSN submitted issued by the IRS is temporary therefore can't be update or I should go open a new bank account with the number and it will be reported to them, then only they can update my SSN even after making me send my documents several / multiple times even while speaking on the phone with him the employee sent me an email with the doc file to upload my documents again for validation which raised my hope again that it will be updated by the end of today. 
I attached the letter from Equifax for your review and now it seems they are not doing anything whereas other Credit Bureaus are reporting my correct SSN.