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

Went to XXXX XXXX XXXX XXXX and they said they was going to send to one bank but they sent to several Listed below 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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I noticed some unauthorized inquires on my EQUIFAX consumer report. 

On XX/XX/XXXX I informed EQUIFAX of the unauthorized use ( 15 USC 1602p ) on my report, I required EQUIFAX to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that EQUIFAX are willingly and knowingly reporting false information on my consumer report. 

I required EQUIFAX to delete these items from my consumer report immediately, they are harmful and detrimental to my personal living mode as well as to my family. 

To Date XX/XX/XXXX, EQUIFAX has yet to respond to the letter sent through the mail. 

I demand EQUIFAX to delete the unauthorized, unverifiable and unconfirmed inquires on my consumer report. Refusing to delete these unauthorized inquires without proof of authorized use will be a liability of willful noncompliance. pursuant to section 616 ( a ) ( 1 ) ( A ) ( B ) of the Fair Credit Reporting Act. I demand that EQUIFAX delete these inquiries from my consumer report or I shall seek for monetary relief due to the harm and stress due to this false information EQUIFAX is reporting on my consumer report. 

XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I require you to delete these unauthorized inquires and update my consumer report, and send me an updated report.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Banking errors

With a promo code XXXX ( {$200.00} bonus offer ) attached, I opened XXXX  Money Market account with U.S. Bank, with initial deposit of {$100.00}, on XX/XX/XXXX from the following link at : https : //www.usbank.com/XXXX  The terms of the promotion were : Open a XXXX  Money Market account and deposit {$10000.00} or more by XX/XX/XXXX Maintain a balance of {$10000.00} or more through XX/XX/XXXX The monthly maintenance fee of {$10.00} can be waived when minimum account balance is {$10000.00} As soon as I received an account approval notice from the bank, I set up online account profile, linking external account to this account enabling fund transfers, etc. Finally, I managed to deposit {$10000.00} additionally on XX/XX/XXXX, well before the required deposit deadline of XX/XX/XXXX. 

On XX/XX/XXXX, I noticed Monthly Maintenance Fee of {$10.00} was charged the day before, even though the account balance was {$10000.00} at that time. I called U.S. Bank and discussed the matter with Customer Service Representative, XXXX. XXXX apologized for the system glitch and refunded the {$10.00} fee immediately, stating that this would not affect my {$200.00} bonus eligibility. And I asked XXXX to note on my account about her assurances. 

Though I learned that customers who had opened savings account with the same promotional offer received {$200.00} around XX/XX/XXXX, no bonus had posted on my account. I contacted U.S. Bank and spoke to XXXX ( Ext # XXXX ) about a missing bonus. XXXX submitted a manual processing request for me and provided me with her extension number as a proof. 

I contacted U.S. Bank again on XX/XX/XXXX, and discussed the missing bonus with XXXX. XXXX filed a Request Form for Promotional Offer for me. However, I have yet to see the bonus posted on my account ; nor have I heard from U.S. Bank, despite my repeated attempts to resolve the matter. 

Furthermore, I read online postings showing that customer who were in the exactly same situation ( {$10.00} maintenance fee charged for first month but waived thereafter ) also received the {$200.00} bonus one way or another. ( Evidence to be furnished upon request ) Therefore, I request that the {$200.00} bonus should be posted on my account without undue delay!
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed this account ( XXXX XXXX XXXX Account Number XXXX ) on XXXX XXXX for continuing to report inaccurate information on my credit report. Equifax did not due a proper investigation or provided me with the paperwork that they supposed to have that is required by the FCRA. They wrote me back the following month and said that it was reporting accurate when it's clear, it's not.They are continuing to report a charge-off every month. They are falsely manipulating the statute of limitations on this account after I disputed this account with factual information that their company provides. I will upload my original dispute letter along with the copy of the payment history proving that Equifax are in violation. I have also contacted the creditor and they have failed to respond numerous times. They are continuing to report false information on my credit report and are in violation.
Complaint sub-issue: Information belongs to someone else

TO WHOM IT MAY CONCERN : Under 15USC1681 ( b ) - permissible purpose ( a ) IN GENERAL Subject to subsection ( C ) any reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX never gave CoreLogic/SafeRent any written consent to report anything on my consumer report, no consent is identity theft. This is a violation of the Fair Credit Reporting Acts right to privacy and permissible purpose. 

Please remove, block, and delete the following address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX DE XXXX, WI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$790.00} DEPTEDXXXXXXXX XXXX Balance Owed : {$29000.00} DEPTEDXXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX ( XXXX ) and account # XXXX ( XXXX  ) has violated my rights 15 U.S.C. 1681 Sec. 602A states I have the right to privacy.

15 U.S.C. 1681 Sec 602A Section 2 it also states a consumer reporting agency can not furnish am account without my written instructions.
Complaint sub-issue: Sued w/o proper notification of suit

This company which employees some of the worst people in the state of Massachusetts is breaking the law daily. There employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. This occurred to me unfortunately due to a divorce. I had a discover card at one time many years ago. The Discover company and I negotiated a debt cancellation many years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This XXXX " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ). This isn '' t a joke the other collection agency they represent is called CASH. They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX Extremely laughable and criminal.. I 've also filed for bankruptcy as well which makes this even worse for the XXXX " collection agency ''. In the meantime they have harassed my work and are now looking to garnish my wages which will never, ever happen! I am XXXX and this has threatened my employment and standing in the XXXX. Since they have been playing games with the same XXXX. If this company thinks they can steal my money they are in for a rude awakening. I have no money and what I make does n't even feed my family. I could n't spare {$1.00} and the court would easily see this and is the reason for the bankruptcy filing to begin with.. My income to living expense ration is negative. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this companies and XXXX actions, a lawsuit will be forthcoming which will be huge. A copy of this complaint is being sent to my Attorney XXXX XXXX in XXXX, MA.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Complaint sub-issue: Personal information

I have several addresses that come back on my credit report that I have never resided. I have written in a description, Also my middle name is spelled incorrectly.
Complaint sub-issue: Account status

Equifax has not corrected their information on my credit report. The XXXX account is still reported as open when it is actually closed. The Merchant closed this account and reopened another. Please assist in helping me get this information on my credit file corrected.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I made a XXXX purchase from XXXX on XX/XX/2022 with my CashApp Cash Card. I returned the item back to XXXX on XX/XX/2022. 

XXXX is claiming that they issued the XXXX refund on Saturday XX/XX/2022 @ XXXX XXXX 

XXXX informed me that CashApp Disputed my incoming XXXX  direct deposit refund from XXXX and CashApp refunded my XXXX  back to XXXX. CashApp initiated this dispute without my authorization nor did CashApp even inform me that they initiated this dispute, I learned about this dispute from XXXX when I kept contacting XXXX asking for my XXXX refund. 
CashApp also canceled my cash card without my authorization. CashApp canceled my card and made me order a new card that way XXXX has no way of refunding my XXXX to that old card number because it is canceled. 

Then I get an email informing me that the dispute was won in my favor. But I still have not received my XXXX even tho the dispute was won in my favor. 

For months Almost everyday I kept messaging CashApp asking them where is my XXXX  direct deposit refund from XXXX. Cashapp continuously lied to me every day that I asked them where my XXXX refund was, they never gave me the same answer. 

Then CashApp claimed that they issued my cashcard account has been issued a provisional credit but cash app has no proof of ever issuing me my XXXX Because CashApp has no proof of issuing me my XXXX  or any provisional credit becoming a permanent transaction CashApp tried to claim different transactions as their own that in reality were : myself transferring money to myself from my XXXX Cash on my XXXX to my CashApp cash card. 

CashApp is still claiming that a provisional credit has been issued to me. However I asked CashApp : how would they have issued me a provisional credit if there was no transaction pending in the amount of XXXX where would the funds come from to issue me a provisional credit if when they initiated the dispute they refunded XXXX back the XXXX I also asked CashApp if they expect me to believe that they would issue me a provisional credit out of thin air with their own money to my account. 

I still not have received my XXXX direct deposit refund from XXXX. XXXX gave me charge back ID # and also a Refund ID #. I asked CashApp for any & all communications, transcripts, transactions, charge back ID # s under Visas purchase return authorization mandate. CashApp failed to provide me with any proof of issuance of my XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have asked for help several times regarding the Discover Credit Card debt and the credit card company and all three credit bureaus are reporting this {$220.00} as a bad debt. I tried to convert a XXXX XXXX to XXXX XXXX in 2018, however, upon federal court date the judge indicated I did not qualify to convert and had not satisfied the allotted time, therefore debts are valid. Discover is still reporting XXXX, although it was a secured card, I did not receive my {$200.00} deposit. I was told it was applied to debt and I still owed {$24.00} and I paid it in order to report as PAID IN FULL ON MY CREDIT. Please help Im trying to purchase my first home in XXXX.
Complaint sub-issue: Information belongs to someone else

Im sending this Complaint again to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$3900.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXXL ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00}
Complaint sub-issue: Information belongs to someone else

Peaks # XXXX is reporting a charged off account to my report that I have never heard of. I did not even know this account existed until I had my credit pulled and saw it on there. I've never received any form of notice or information about this account. I went to XXXX and they erroneously opened the loan, it is not mine. I have never had a loan through them nor did I sign anything. I am part of the class action law suit that was taken against them. This account is not mine and I need it removed off my credit.
Complaint sub-issue: Information belongs to someone else

I have inaccurate information showing on my credit report that is negatively effecting my credit score and limiting my availability to new lines of credit. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX - XXXX - XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00} - XXXX - XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX EQUIFAX - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$980.00} - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$980.00} - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - INQUIRIES - XXXX, Equifax, XXXX have hard inquires on my report that I do not recall ever doing. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - MISSING INFORMATION - Equifax shows no information for my accounts -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ADDITIONAL INFO - Remove all security freezes or fraud alerts from my credit report immediately
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

After honorably retiring from the military ( 20+years severed ) and another 16 years working as an XXXX in the corporate world. I as looking to find something I could do to earn money at home. After some research I received a email about an exciting and new way to earn money legitimately online at home. Initially for sign up and entry into the 21 step program a fee was required. It was advertised to bring big back end commission payouts with out handling any packages, talking to people or directly selling to the customer. Also once the customer signed up a phone sale team was present to handle all of your leads through process. The process was to guide the buyers through a funnel to arrive at the back end for the big payout earned, but first in order to sell the XXXX products a fee was required to buy the license rights to sell. The compensation for the largest payouts and your hard earned lead potential commissions to be pass by and above you, constantly up sold at every turn to position your self to get the back end payout you earned. The best and highest position at the time was to become a XXXX XXXX. A fee for each step XXXX, XXXX  and then XXXX, highest was required for best possible position for earning big commissions. The opening of the CiTi-credit card- XXXX in the amount of {$10000.00} was opened for this reason. To fund the amount of money needed for XXXX membership. Primarily we were guaranteed that this proven system would pay for the money invested with in the first six to eight months. The continued earnings of money ( income ) would then be used to reinvest and grow the company. However the proven system failed to produce what was advertised. Sales did not occur thus the ability to pay the card became increasingly difficult. I was told I would be making more at a rate enough to payoff my investment with in a year and continue to live a comfortable lifestyle. XXXX XXXX as we were advised to use was not cheap. I discovered FTC caught on to this companies operations and shut the whole company down ( see FTC attachments ) thousands of others effected. Close to an overall of {$110000.00} invested and a return of only {$4000.00} even with all the additional work I was doing like XXXX XXXX Ads, webinars and XXXX ads in addition to solo ads did not help. I need help! After shut down of XXXX, no service, no products I bought, licensing rights to sell those products, the phone sale team, coaching assistance, member network, website and it services non existent. I have used my savings and about to loose my home and its belonging, this has cause grave hardship and I am lost as to what to do. I need help asap.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I called XXXX XXXX XXXX about a contract they have listed on my credit report. I asked them could they send the original contract because the car they listed in the credit report was from XXXX XXXX XXXX. They told me that they brought they contract because XXXX went out of business. I asked them could they send documents. They agreed however, they sent over somebody named XXXX XXXX bill if sale. 

On XX/XX/XXXX I called again asking for the same information and was told they will get in contact with the back office again and they will try again. They was able to send the payment history. Inside the payment history shows that they picked up the loan XX/XX/XXXX and on theXX/XX/XXXXwas hit with late payments and interest fee but a payment was made in the XXXX which is when I normally payed XXXX XXXX XXXX company. I asked them can they send the payment records from XXXX it looks like the payments started over as if I did not pay XXXX XXXX  which I had for at least a year and they cant produce it. 

The payment history they sent shows that they charged off the the car off for XXXX.But thats not the amount thats reporting on my credit report. I disputed with all three credit reports and they keep updating inaccurate information. 

However they sold the car in XXXX so I doNt understand how they are still charging repossessing fees for XXXX and XXXX along with payments and they had the car since XX/XX/XXXX XXXX