Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX XXXX ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). I called XXXX  and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law.On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  XXXX # XXXX XXXX  XXXX XXXX  {$400.00} # XXXX XXXX XXXX XXXX  {$450.00} # XXXX XXXX XXXX  {$670.00} # XXXX XXXX XXXX {$450.00} 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: Public record

On numerous occasions, I 've disputed an incorrect filing date for a judgement that appears in the public records section of my credit report. The actual filing date is XX/XX/XXXX, but my credit report reflects a date of XX/XX/XXXX ( which is the date the judgement was issued, not the filing date ). The XXXX XXXX court system keeps confirming the incorrect date so I obtained an official copy of the docket and forwarded it to the XXXX credit bureaus for an internal review. Thus far XXXX of the XXXX have made the appropriate adjustments. Equifax attempted to make the changes but keep reverting back to the same incorrect information. I have complained and re-investigated the item with them on numerous occasions to no avail which leaves me to file a consumer complaint and possibly a complaint with the FTC if corrective actions are not taken.
Complaint sub-issue: Need information about your loan balance or loan terms

hello, please send me a copy of the signed rehabilitation agreement. thank you.
Complaint sub-issue: Public record

I had a bankruptcy judgment in 2014 and only XXXX is reporting it. I need equifax and XXXX to report bankruptcy.
Complaint sub-issue: Information belongs to someone else

I have a joint account with my partner who filed chapter XXXX bankruptcy. I did not. I have been paying faithfully on the account since it was opened. I never missed a payment and have never had a late payment. MB Financial is reporting on my credit reports that the account is closed/charged off and my credit score dropped over 100 points. They started the negative reporting XX/XX/2018 and shut my online pay account off. I called them XX/XX/2018 and spoke with XXXX XXXX who said she will remove the account and stop reporting to the credit bureaus. I said I was fine with that. She also said to email her to have the online account turned back on. Weeks passed and nothing changed. I emailed several times with no response until I contacted MB Financials help desk to check on the status.Then the XXXX XXXX emailed as follows : I am in receipt of an email from MBs Helpdesk. 

Per my conversation with you on XX/XX/18, you had called in regarding a credit bureau dispute and to inquire on why your online access has been shut down. The email below is the only one I have received from you. Please note that the credit bureau dispute/request has been submitted, and if honored- you should see the changes in your report once that has been approved and updated. 

Unfortunately, we can not reactivate the online account until we stop reporting the bankruptcy. Once I receive the confirmation of same, I can submit a request for online access. In the interim, if you wish to make automatic payments, I have attached a copy of the ACH form that you can return with a copy of the voided check and we can have the ACH turned back on. 

Thank you, During our conversation she mentioned nothing about submitting a request ( to whom I don't know ). I have repeatedly emailed with no response, and I have called twice on XX/XX/XXXX and was sent to her voice mail ... no call back. 

This is not my issue/bankruptcy and should not be reported on my credit reports. My partner and I have several joint accounts and MB Financial is the only one reporting on " MY '' reports. This is unfair to say the least. It makes no sense to be paying on an account that is reporting closed/charge off and will be on my credit report for 10 years!!! This is creating a financial hardship from the low credit score. I worked hard to build and keep a good score. This is ridiculous.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted disputes with Equifax six times regarding the same company 's error 's. At one point the info was updated and removed now it back on my report.
Complaint sub-issue: Reporting company used your report improperly

I submitted a letter to the three consumer reporting agencies over 45 days ago and I still have not received a reply back. I dont know if they have just ignored my request but I want this to be taken care of quickly. I'm on the process of getting my first home and this is keeping me from closing on this mortgage. I would hate to lose out on my American dream due to lack of response. I may not know much about certain things but I do know that the website states that I should have had some kind of response within 30days or it is supposed to be deleted. I need this to be done immediately becuase if I lose out on this house me and my XXXX  will have no place to live. So unless you want to provide me with housing and reimburse me for the money I may lose on this closing I would like my request to be processed or I will have to seek litigation for these companies not following the law.
Complaint sub-issue: Account status incorrect

on XXXX, my XXXX XXXX ACCOUNT # XXXX XXXX, was closed on my report and it should be open on the bureaus instead of closed. i paid the balance down, been on time every month, and it drop my score 7 points as well
Complaint sub-issue: Account terms

I disputed with XXXX a XXXX XXXX XXXX account that appears in my credit file. I believe that the balance reported is incorrect. I believe that this account was paid and closed. I requested to Equifax to mail to me the account-level documentation used to confirm the accuracy of the information. For example, a signed contract, the terms of the contract, purchase and payment history, as well as the method used to compute the interest, fees and other charges applied to this account on a monthly basis.
Complaint sub-issue: Problem with rewards from credit card

I opened a XXXX XXXX credit card with US Bank on XX/XX/2021 and have been using the card for the last two months with no issues and paying the statement balance in full each time. On XX/XX/2021 I tried to make a purchase from XXXX and the card was declined twice. When I checked my online account login two days later, the account didnt appear at all. 

I called to inquire on the evening of Wed XX/XX/XXXX and the customer service agent told me that the account had actually been closed on XX/XX/XXXX and I would have to speak with account fraud services which was only open during business hours. I called back on Friday XX/XX/XXXX and finally reached the account fraud services who repeated that my account was closed for suspicious activity and that they had sent a letter explaining. I have not received this letter and could not get any further information from them. I concede that it is their prerogative to take away my credit account but to do so with no indication or apparent reason is concerning. 

I have no idea what activity could have triggered the account closure and also find it suspicious that this account closure occurred when I was close ( approximately {$2600.00} of {$3000.00} ) to reaching the spending threshold required to obtain the advertised account opening bonus of XXXX XXXX I would at least like a reasonable explanation for this account closure as this practice seems deceptive to me.
Complaint sub-issue: Debt is not yours

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Complaint sub-issue: Reporting company used your report improperly

This is my fifth attempt to get issue resolved XXXX XXXX XXXX XXXX I have submitted complaints already with only responses " We apologize and are sorry. Or we do not take care of the issue. In short to best help protect the consumer a credit freeze needs to be placed on all credit reporting agencies because of the credit information exposed by Equifax. That cost the consumer money and Equifax should pay for it. That is what I am requesting. Please also address the specifics in your response to my case and please explain how your plan is better to protect me from unauthorized accounts to be opened than to freeze at all agencies?
Complaint sub-issue: Debt was paid

I had a mortgage with XXXX XXXX XXXX and the home was short sale in XXXX. XXXX agreed with short sale and now still has a third party Dyck Oneal collecting payments. I had no agreements with Dyck Oneal in regards to mortgage payments. XXXX got paid on the sale and now this third party is still collecting monies from me after all the fraudulent processes, unfair lending practices and unscrupulous transactions that were done by the banking industry before the housing crisis. At this time this balance reported of {$15000.00} needs to be removed from my credit report because I do not owe nor own that mortgage
Complaint sub-issue: Information belongs to someone else

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom it May Concern, I have an ongoing issue with information reflected and reported on my consumer credit reports as transmitted and stored with Equifax and XXXX. The account in question is an account listed with Timepayment, an account which was paid satisfactorily. I have disputed this item, which is reporting data not in accord with accuracy. Under the Fair Debt Collection Practices Act, I have requested full data disclosure, including manner of documents used to validate what is plainly a flawed account, listing inaccurate history in multiple instances. 

Using the law as stated, i have tried to get XXXX and Equifax to dispute the data and they mark it as meeting The Fair Credit Reporting Act, when it has not. Documents have never been provided and account keeps reflecting data which is inaccurate. 

Because the dispute process is costly, and also because I do not trust the fair and impartiality of these credit reporting agencies, I am asking for this agency to intervene on my behalf and mediate this complaint. 

I am asking that the accounts be verified from their source, because the inaccuracies are affecting my financial prospects adversely with the inaccurate information.
Complaint sub-issue: Other problem getting your report or credit score

On XXXX XXXX, 2017 I purchased a vehicle from a XXXX dealer in XXXX, Texas. The auto loan was to be secured with XXXX XXXX. I received documentation on XXXX XXXX, XXXX that XXXX " must regretfully inform you that we were not agreeable to handling the proposed transaction as submitted. We would, however, be agreeable to handling the transaction under the modified terms which have been relayed to the dealer. '' The letter goes on to state that XXXX  reported my credit score as XXXX but SageStream , LLC reported it as XXXX. On Friday, XX/XX/XXXX at XXXX Central Time I called SageStream , LLC 's number listed on their website to obtain a copy of the report to determine why score is so much lower than XXXX . The call is answered by an automated message and goes straight to a recording after selecting the option for a copy of my report. The recording asks you to leave a detailed message and I will receive a call back during normal business hours. A quick XXXX search brought up multiple reports of other loan applicants with similar stories. The theory is that SageStream receives a kickback from certain banks for submitting low credit scores in order for the loans to be renegotiated for the bank to earn a higher interest on the loan. One bank, XXXX XXXX, was named multiple times. As such, I am filing this official complaint because there truly may be something to the theory that XXXX XXXX and SageStream are colluding to make consumers engage in loans with interest rates higher than warranted. This seems to be especially compelling considering I have already paid a down payment on the vehicle and need the auto loan or risk forfeiting the vehicle and would be out the down payment for a vehicle I have driven for less than one month.
Complaint sub-issue: Banking errors

Withdrawal of {$350.00} from my checking account on XX/XX/2022 from a dispute for a fraudulent transaction on XX/XX/2022 from a company caught in a scam. 

Services were purchased that were NEVER received. The bank, instead of correcting the issue and crediting the funds back to my account, are aiding in the scam and approving of the fraudulent activity for which their customers fall victim due to NO FAULT of their own. 

If banks are not for the customers, it's clear to see that Ally is not at all what their name says for their clients. 

If this were a purchase on XXXX or from XXXX XXXX for an actual product that needed to be assembled ( with both companies partnering with individual contractors to assist their customers with assembling the product ), and the product was delivered with the contractors never showing up to assemble the product, the funds would have been refunded. XXXX or XXXX XXXX receive their payment for the product, and the contractor is also paid to schedule and come out to assemble the product. 

However, if the contractor does not show up and provide the services paid for, the funds should be refunded/the transaction reversed because no services were received after being paid for. Of course the transaction was authorized because the customer was paying for a service that was to be rendered ( which it never was ). In a day and age of social media ruining companies profiles and customer retention ( especially for customers who are of XXXX decent ). 

Services paid for that are not received automatically void out a transaction as being approved/authorized and the funds are to be refunded back to the customer ( regardless if the transaction is a credit card payment OR a debit card/checking account transaction ).
Complaint sub-issue: Received bad information about your loan

XXXX XXXX states that repayment begins on XX/XX/2019. I am under a different plan. This means I don't  begin payments until well after graduation. I am enrolled full time ( more than half time ) in an XXXX   program. Currently, I have over 3 classes enrolled at school which comes to an additional 15-20k for this semester. XXXX XXXX is not displaying that I maintain a loan for this amount but also is displaying numerous loans that they require payment while I'm enrolled in school. 
Besides this, they are displaying negative information on my credit reports, XXXX XXXX XXXX and XXXX. I would greatly appreciate that they adjust their credit reporting to not only reflect the fact that I am in school but that I have positive standing with them. Unfortunately I will have to report this to department of education. To be clear, my University did everything on their end so there is no issue with financial aid department. XXXX XXXX has been irresponsible in their handling of my loans. Also, i am unemployed at the moment and have had no income for many years. They are not displaying the proper repayment plan of income based repayment. I never signed up for whatever my status is now. They make it impossible to deal with them.
Complaint sub-issue: Investigation took more than 30 days

I have been desputing an account with XXXX XXXX through Equifax, XXXX and XXXX. The credit bureaus have failed to investigate my despute for more than 90+ days. This derogatory account is affecting my accounts negatively.
Complaint sub-issue: Their investigation did not fix an error on your report

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A FCRA VIOLATION. I HAVE NOT HAD PROPER INVESTIGATION RESULTS AND I AM UPSET PLEASE REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY.
Complaint sub-issue: Public record

Judgment satisfied Equifax only C R B not removing from derogatory remarks so why pay judgment if not going to remove bad marks against you should n't of paid I see lots of people same problem with EQUIFAX this should be stopped! Paid, should not stay on report for seven years! how are people having hard time but still repaying suppose to get back on there feet Defeats the whole purpose!
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Balance : {$330.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Problem with product or service terms changing

i would just like to complain about how stupid the credit score system is that when you finish paying off a loan even without ever missing a payment your credit score drops instead of going up i finished paying off my installment loan from XXXX XXXX and my score dropped by XXXX points an 8 month loan reported on my credit report on experian today XX/XX/2022 2022
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The company is Cons Home Furnishings. Their website states you can get prequalified without impact to your credit. I submitted a prequalification since it does not submit a hard inquiry or impact my credit. The company pulled my credit anyways causing a hard inquiry to show up and in fact lowered my credit score. I did not consent or give permission for a hard inquiry. Their website is misleading and intentionally lies to consumers that they do not impact their credit for a prequalified application. I have submitted several disputes to equifax and had submitted a complaint to the FTC without receiving any resolution.
Complaint sub-issue: Public record information inaccurate

CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX .. Bankruptcy doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information