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

On XX/XX/19, I received a notice from XXXX  that they would no longer be investigating 7 accounts that are incorrectly being reported on my credit report. According to XXXX, XXXX bank is being listed as holding seven accounts of mine. After repeatedly asking both XXXX and ALL THREE of the credit bureaus for proof that a relationship between myself and XXXX bank existed, no one responded. Finally, on XX/XX/2019, I received a response from XXXX bank claiming that they were unable to identify the accounts being disputed. I sent this letter to all three bureaus, yet, no action to remove these wrong, negative accounts occurred. I then called XXXX Bank who confirmed that they had no idea what I was talking about, and referred me back to the bureaus. Although XXXX brought this to my attention, XXXX, XXXX and Equifax are all reporting this incorrectly. Attached are the following documents : 1. The dispute letter asking for validation or signed agreement between XXXX and myself. 
2. Their response, informing me that they were not able to identify the accounts being disputed. 
3. The list of all seven accounts on XXXX, clearly showing that XXXX Bank is reporting this information. 
4. Another shot from XXXX showing that they are reporting late payments, despite me never having a debt to them.
Complaint sub-issue: Report provided to employer without your written authorization

XXXX XXXX TYPE misellaneous 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: Information is missing that should be on the report

I opened a XXXX XXXX credit card in XXXX of XXXX which Equifax refuses to report. XXXX XXXX says they are reporting it. This adversely affects my credit worthiness as I have never missed a payment.
Complaint sub-issue: Frequent or repeated calls

I have been sending this company XXXX each month via mail for over a year now. They will not return phone calls or give me a balance owed. They hang up on me and curse me out when I call to get the information on my account called XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have tried SEVEARL times getting this FTC report to XXXX, Equifax and XXXX. I have tried uploading it only and have even tried mailing it. I mailed it several weeks ago. Please get the attached FTC report to them ASAP.
Complaint sub-issue: Debt is not yours

Amerifinancial Solutions at XXXX XXXX XXXX XXXX MD XXXX Phone XXXX has reported on my credit a collection with a past due amount of $ XXXXOpened on XXXX/XXXXXXXX, I do not know this company and I have never done business with this company. This company has nothing with my signature. I have disputed this company and have asked them to validate debt. This company has failed to validate debt!
Complaint sub-issue: Their investigation did not fix an error on your report

I was called by XXXX XXXX  yesterday letting me know that the information on my auto draft was incorrect and that my payment for XX/XX/XXXX was returned, resulting in a 45 day late fee in which they admitted was an error on their part but never contacted me to correct until XX/XX/XXXX on which all was fixed and paid up with a late charge refund. 
I would appreciate this being taking off each of my credit reporting agencies.
Complaint sub-issue: Information belongs to someone else

There's an account on my credit report that I am unaware of. I have medical insurance in which I am fully covered. I don't have anything signed with this company.
Complaint sub-issue: Account status incorrect

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX : XXXX XXXX XXXX Balance : {$550.00} Equifax XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX : XXXX XXXX XXXX Balance : {$550.00}
Complaint sub-issue: Reporting company used your report improperly

I applied for a student loan refinance w/ XXXX XXXX XXXX a division of KeyBank XXXX on or about XX/XX/2021. They advertised competitive rates along with a bonus of {$500.00} if you opened a checking account and funded with a {$2500.00} ETF. After a month of providing numerous documents ( I am a self-employed ), they denied my application for my self-employment length. 

My issue is that they knew this from the beginning. They were provided a profit and loss statement from my business at the start, previous years tax returns, etc. My debt/income ratio was strong along with my credit score. However, at the very end ( likely because the debt amount and interest rate offered would not recoup the {$500.00} bonus they offered to me ) they arbitrarily declined my application without allowing any discussion. 

My major concern is that towards the end, I consented to a hard credit pull. Now, they have harmed my credit for any other refinance opportunity based on a decision they knew from the beginning.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXXXXXX card is not being reported for XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

FLAGSHIP ACCEPTANCE XXXX XXXX XXXX XXXX,TX XXXX

XX/XX/XXXX 

Re: Unauthorized Credit Inquiry
Complaint sub-issue: Account information incorrect

the amount owed is totally incorrect. There is NO WAY I owe {$77000.00} This hurting my chances to purchase a home ... ..I need this REMOVED until we can figure out the correct amount and come to a resolution.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had noticed that someone had been using my information and had been making unauthorized hard inquiries by fraud and here is the list 1. Citi Bank XXXX and XXXX 2. XXXX XXXX XXXX and XXXX 3.XXXX XXXX XXXX XXXX 4XXXX XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I requested a full loan consolidation on XX/XX/2012 online at student loan.gov and was advised by my loan servicer Nelnet that it was approved. I was just informed that it was a oartial consolidation. And I had to provide proof that it was a full consoldation even though the Advisor stated that I was approved for full consoldation. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to the dealer to check some cars and the seller told me to check if I was pre approved, he told me he would not pull my credit, It was just a soft pull. 
today I checked my credit there are many inquiries that I did not authorize, I did not signed for. 
Equifax : XX/XX/XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX ALLY XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX BANK XXXX XXXX ) XX/XX/XXXX 2021
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 {$300.00} 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
Complaint sub-issue: Keep getting calls about my loan

Sallie Mae and XXXX continually call my grandparents, who were not cosigners nor my guardians at the time I took out the loan. They are continually harassing them without cause. They have no current and had no past control over my loans or my education.
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 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 XX/XX/2020
Complaint sub-issue: Information belongs to someone else

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report
Complaint sub-issue: Information belongs to someone else

As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, Please remove this account permanently from my file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

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 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 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Complaint sub-issue: Threatened to sue you for very old debt

Received letter from XXXX XXXX XXXX ( Creditor listed as USI Solutions , Inc. ). on XX/XX/XXXX regarding a debt that does not appear on any of my credit reports. I began receiving phone calls XXXX of XXXX. No amount was ever paid to this collection agency for this debt and the debt does not appear on any of my credit reports. In these calls they have said that they have established a court date and that I was too appear. I contacted the local court in the county and they could find no record of a court date. In addition my father has been called on XXXX of XXXX.
Complaint sub-issue: Other problem

I purchased a dishwasher from Home Depot recently, within 2 months, and I have had issues with the way it was installed and some of the sound proofing flowed out of the machine after I found the door cracked due to the installation of the dishwasher. The installers apparently removed a small piece of molding that ran beside the dishwasher and it got caught in the door. When I ran the dishwasher, when I returned home there was water all over my flooring. The molding is now discolored. I have tried to contact the store and at first could not get anyone to even answer the phone in the appliance department. I finally spoke to the store manager and an assistant named XXXX. They promised someone would contact me, which has not happened. I purchased the dishwasher due to a leak and now my new dishwasher leaked on my hard wood floors and is now damaged.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

over the past year i have been a customer of XXXX.It seemed as if someone was in my account because I would be charged for things and then two days later I was being told that payments need to be revised so i would have to pay again.when I added my key XXXX bank card it has become worse.key XXXX is removing transactions off of my account such as refunds and processed payments of which I have proof of.In XXXX or 2021 there was a transaction with XXXX that required a refund which key XXXX bank completely removed any evidence of this transaction but I do have a letter from XXXX about this transaction.then on XX/XX/2021 I was charged {$120.00} by XXXX for something I already paid for that has been shipped out on XX/XX/2021 because it was paid for on XXXX system isnt showing that I was charged on XX/XX/2021 but my bank statement says so which is leading me to mu assumptions that XXXX someone professional at XXXX is working with key XXXX bank to commit fraud.they are charging me more than once for items i paid for and removing the payment and pushing the payment time up to justify the extra monety being taken sand it has been happening for over six months.I have reached out and then the next month more issues and I really feel like someone is personally targeting me.this is unaceptable because it is stealing and it is government funds they are stealing.XXXX cant seem to get to the bottom of it but this can not continue..
Complaint sub-issue: Information belongs to someone else

I became aware of a ding on my credit report while filling out paperwork to refi my home. XXXX XXXX turned me over to XXXX XXXX XXXX for {$1100.00} in unpaid charges. Account under same name, XXXX XXXX but living in XXXX XXXX, NV. I have never lived in XXXX XXXX but have lived at XXXX XXXX XXXX, XXXX XXXX, CA for XXXX years.
Complaint sub-issue: Public record

Wrong number of hard inquiries! And age of credit is totally incorrect!
Complaint sub-issue: Information belongs to someone else

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents for the account " XXXX XXXX Account number XXXX. I have not received this information Per Section 623 ( a ) ( 3 ) I believe that my rights are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights tot privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX account # xxxxxxxx XXXX contact : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : CREDIT BUREAU XXXX, DE XXXX XXXX This account has been closed and wish to be removed from my credit report Account name : XXXX XXXX XXXX XXXX XXXX I do not recall this information and debt, I wish this to be removed from my credit report Account name : XXXX XXXX XXXX account number # xxxxx XXXX contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX This has been closed and paid off and wish to be removed from my credit report Account name : XXXX XXXX XXXX XXXX contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have not given them approval to run my credit and I wish this to be removed from my credit report 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 written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of information any other adverse item of information, other than record of convictions of crimes which antedate the report than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Complaint sub-issue: Was not notified of investigation status or results

i am XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 i sent Equifax XXXX and XXXX More than enough supporting documents to have 3 accounts that do not belong to me removed or blocked from my credit history. i was very straightforward by telling the three credit bureaus that these accounts from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX did not belong to me and that i had never opened these accounts nor did i ever give anyone permission to open these accounts under my name. i filed a police report and a FTC report to have these items removed and they are still being reported. I Did not open these accounts and they are not associated with me in any way shape or form. i have no contract with any of these companies listed in my police report or FTC report. I also called the three major credit bureaus to ask if they had attached my complaint documents so the companies can see them and they stated No they didn't which violated my rights as a consumer and did not give me the fairness to have these accounts removed. i have also sent enough proof to identify myself with my arizona drivers license and two current utility bills
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have repeatedly called Equifax and fraudulent inquiries on my credit report. Equifax told me to submit my Drivers License, Social Security Card, Proof of Address and an FTC Report. I submitted the requested documentation 5 times as Equifax kept loosing my documentation further exposing my identity. Equifax finally receives the documentation and then ignores it and sends me the attached report stating " Inquiries are a matter of factual record '' This is not factual. Equifax released my credit information without my consent and now they will not correct their actions even though I jumped through all of the hoops they required of me 5 times.
Complaint sub-issue: Was not notified of investigation status or results

on XXXX I sent a letter regarding inaccurate and unverifiable Information on my credit report on this date over 44 days later I have not received a response yet. I feel I am being taken advantage of being ignored in my dispute process. Section 611 ( a ) it is plainly stated that a failure to to investigate these items within 30 days gives a reason to immediately remove those items from my credit report on this date it is over 40 days later so they should be deleted promptly. I demand for the bureaus to comply with deletion or I will file for litigation due to the stress and erroneous items reporting on my credit report. My information was also impacted by the Equifax data breach and may have been in the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXXXXXX Address XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Last Payment Made XX/XX/XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 have filed a dispute in regards to the incorrect items on my credit report. I has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Account information incorrect

Sagestream and XXXX  has incorrect Credit Score for me My correct Credit Score should be XXXX. I feel I am being Discriminated against because I am XXXX American. I want a full investigation into both credit Reporting agencies. Because of this misinformation I am being Denied Credit.