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

on XX/XX/2021, I called Equifax customer service would not help and take care of the negative inquiry reporting to my report. I am not aware or did not authorize this transaction. 
Inquiry : XX/XX/2021 XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX, XXXX  XXXX XXXX sent me a letter approving my Income-Driven Repayment plan for the total amount to be billed monthly at {$320.00}. After getting a one-month forbearance, I paid the total amount with two separate payments electronically by the due date. The first payment ( electronic debit ) was {$210.00} and the regular bill was {$110.00}. This totals the agreed amount of {$320.00}. A day after the due date, after I paid, I checked my account and saw that my account was delinquent. I was told I owe {$75.00}. This is not part of my payment agreement. 

I called customer service on XX/XX/18 and spoke to a person named XXXX at XXXX   XXXX XXXX. She told me that XXXX XXXX has two systems. In the system I see, I am overdue ; however, in another system I can not see, I am up to date. She said she " is going '' with the one that says I paid. I told her that when I call or log in to my account, it shows that I owe {$75.00} and that my account is delinquent. I asked if I should just pay the amount. She said I can or not, it does not matter. I said I am worried that my credit will be destroyed, that my loans at my current graduate school will be canceled, and being in default could prevent me from getting a XXXX XXXX. She said that they would not report me until 90 days, so I SHOULD be okay. She apologized, but I was left hanging. 

I did email their advocacy hotline ; however, I am very, very worried because if this continues, XXXX will cancel my aid, and my credit will suffer. I don't have much time. I have had repeated problems with XXXX XXXX XXXX. It makes no sense that they can not fix this problem. I got a text dated XX/XX/XXXX that told me I am five days late on my payment. I am not and paid according to the terms.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The company listed above, states that I owe them {$170.00}. I have never had service with the listed company, so I am not sure how they are claiming that I owe this amount. This seems to be a collection company. This company seems like are just trying to collect money from random people. I am requesting help to get this resolved in a timely manner.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019, I received a notice from the XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX regarding an unpaid charge to my government travel card, which is allegedly delinquent in the amount of {$7.00}. I told the representative from the XXXX XXXX XXXX XXXX XXXX that I had disputed a {$7.00} charge because I did not recognize the charge and had no receipt for the charge. I also explained that CITI did not respond to my dispute and it had not been resolved. 

Today, XX/XX/2019, I received my third late notice from the XXXX 's XXXX XXXX  XXXX XXXX XXXX XXXX, despite the fact that no payment is due ( CITI screenshot attached ). I still have not received a reply regarding my dispute, although I made a payment of {$7.00} to the account, which posted on XX/XX/2019. 

I view this treatment as harassment and poor customer service. I am concerned about the impact on my job and my credit rating, given CITI 's poor record-keeping and lackluster response.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 90days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.
Complaint sub-issue: Reporting company used your report improperly

Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reporting to my consumer report, I, The Consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer 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. 

Under 15 U.S.C. 1681 XXXXl Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The XXXX makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account reported opened on XX/XX/2016 I wrote this letter in to equifax on XXXX and am waiting on a response upon receipt.
Complaint sub-issue: Other problem getting your report or credit score

My problem is with Equifax. In XX/XX/XXXX, I applied for autoloan and I discovered that among the 3 bureaus, Equifax was not able to provide my credit score. This surprised me because I have established credit lines since XX/XX/XXXX. So, I called them and spoke to different agents on more than 5 occasions and I was told that they couldn't locate me in their system at all even after using different personal information. As advised, I faxed and mailed them the documents with my personal information to help solve the issue. I just got a response letter from them saying the same thing, that they could not locate me in their database. Precisely! That was why I contacted them to find out what was happening and find ways to get to the bottom of this. At the same time, I called all my banks and creditors to verify if they have been regularly sending reports to all 3 bureaus which they said they do on a monthly basis to all 3. I reached out to Equifax again and asked if they have other ways to resolve my issue but I was told to do the same thing. It seemed like they have no other process in place for this kind of issue but to keep asking you to send your documents to them. After few months of countless inquiries with them, I tried talking to them again to follow up, but to my frustration, I still got the same closed ended answers. " I could not find you in our system. Send us your documents with your personal information '' I requested them to investigate deeper as there could be some technical glitches or mishandling of data that caused them not to receive reports from my creditors, but nothing happened. I really think there is a problem on Equifax side because how come my husband who has the same credit companies as I do, has credit profile in Equifax??!! I need your help to find resolution to my problem. I have been wanting to buy a house since last year but this is really holding me back. I feel helpless of just being told that I am not in their system and not knowing what to do next or where to go for help. After so many times of communicating the same issue, still, they are not exerting any effort to identify the root cause of this. 

I read a blog that your office was able to help him resolve this same issue that I have. I am hoping to get a positive response. 

Thank you! 

My credit companies : XXXX  XXXX XXXX ( credit card ),  XXXX ( credit card ), XXXX XXXX ( Auto Loan ), XXXX XXXX XXXX  ( Auto Loan )
Complaint sub-issue: Debt is not yours

I had terminated a XXXX contract inXX/XX/XXXX and confirmed with them that I no longer had any balance on the account, after which I moved out of the country for a short period. In XXXX of XXXX, I began receiving debt collection calls on behalf of XXXX and was informed it was due to an unpaid balance of {$82.00}. 

I called XXXX and worked with them to find out they had erroneously left charges on my account that I was not aware of. When I asked why they had n't reached out via email, they said they 'd attempted to reach me on the disconnected number ( why, I 'm not sure ) and that when they could n't reach me they sent the debt to collections ( I C Systems ). 

Now, XXXX claims that it 's now " out of their hands '' and that I have to work with I C Systems. However, when I call them, they just repeatedly tell me " pay us '' and refuse to work with me otherwise. This has negatively effected my credit and my ability to obtain a line of credit that I would otherwise have been able to get. It 's very frustrating and am hoping that someone can provide some assistance.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I've sent a copy of my Identity Theft Report to Equifax, XXXX & XXXX  along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED XXXX. These accounts do not belong to me. They still are reporting this to my credit report. they have not sent any documents over supporting how they could allow this to happen.
Complaint sub-issue: Public record

Stated that it was correct, even though I called the original creditor and they said that it was never suppose to be on my credit report. I am lost and confused. I just do not know what to do.
Complaint sub-issue: Information belongs to someone else

EQ is reporting an alleged account from XXXX. I have disputed alleged accounts from XXXX prior and XXXX has been unable to provide any proof of an agreement between myself and XXXX, therefore if XXXX believes there is an agreement with myself this would be a fraudulent agreement as I have never agreed to any agreement of any kind with XXXX. XXXX has failed to provide any proof and the letter they provided as alleged proof was addressed to an address that was not mine.
Complaint sub-issue: Information belongs to someone else

I noticed a few accounts on my report I do not recognize
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX
Complaint sub-issue: Transaction was not authorized

On XX/XX/2021 Saturday I was charged fraudulently for {$39.00} by a gym I am not a member of. I immediately contacted US Bank and told them about the charge and they said they couldnt do anything because it was pending. I requested a call back on Monday to fix things to which they agreed. I never heard anything and after about a week I contacted US Bank again this time the charge was reversed. They informed me I was being sent paperwork to certify the charge wad fraudulent. I returned the paperwork and everything seemed ok. But today they have removed {$39.00} from my account. This time it appears to be US bank taking the money out. They have not contacted me with any explanation for the debit. 

This has been such an inconvenience and I just cant understand why they are taking my
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I just view my Equifax credit report I came across Hard Inquiries that I didn't authorize nor recognize on my credit report. XXXX XXXX Date- XX/XX/2022, XXXX XXXX-Inquiry XXXX, XXXX-Inquiry Date- XX/XX/2022.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} U.S. Bankruptcy Court Reference : # XXXX
Complaint sub-issue: Public record information inaccurate

Spoke with Lexis Nexis, XXXX, XXXX and XXXX XX/XX/21 and XX/XX/21. I sent supporting documents police report, letter from court. XXXX has removed it but the other agencies has not.
Complaint sub-issue: Was not notified of investigation status or results

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Complaint sub-issue: Account information incorrect

I had a Sears XXXX that was delinquent from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, Sears charged off a balance of {$330.00}. I paid the {$330.00} balance on XX/XX/XXXX. The delinquency and charge off were caused by my medical condition. I sent Sears a letter dated XX/XX/XXXX which asked them to remove delinquency and charge off information from my credit file because they were caused by my medical condition. Sears sent me a letter dated XX/XX/XXXX which didn't indicate that Sears would remove delinquency and charge off information from my credit file. I believe that delinquency and charge off information should be removed from my credit file because on XX/XX/XXXX, the three credit bureaus were no longer reporting medical debts that were paid after being sent to collections. Sears sent my account to collections but the name of the collection agency is unknown. Nonetheless, after collections, I paid in full the balance of my account. So, again, I feel that Sears should remove delinquency and charge off information from my credit file because they were caused by my medical condition.
Complaint sub-issue: Reinserted previously deleted info

Back in XX/XX/2016 I sent a certified letter disputing some things and i received the green card back on XX/XX/2016 and they sent me a letter asking me to show my identity I sent it in certified and i received the card also and i called them and they are saying that they did n't get any of my information but i received the XXXX stated that They had gotten the information. And in XX/XX/XXXX i called and spoke to another Representative and she open up a new despite and i did not approve of that. And now i called back to speak with a supervisor on XX/XX/2016 about what is going on and now they have put on things that i have destitute in the past from a year ago and this has affected my credit report in a negative way.
Complaint sub-issue: Information belongs to someone else

The Crefit Bureau EQUIFAX are reporting accounts that are not mine and inaccurate information in my credit file. I have disputed and provided documents to prove the information is is not mine or inaccurate but they have refused to delete the information. According to FCRA they are only suppose to report accurate and correct information. I have requested that they provide me proof that a account is mine but they have refused. Their response is the creditor verified the account to be accurate. I requested to see the original signed contract or document bearing my signature for such account but no proof have been provided to me. Also my name and address is incorrect. I provided documentation to them to delete and correct this information but they refused and added the new information I provided but left the wrong and inaccurate information in my credit file. I only have one name and one address and one date of birth. I have no aliases.The account that I provided proof that they are not mine are as follows Equifax Reports the following accounts that are not mine and proof supporting that was provided XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Complaint sub-issue: Didn't receive terms that were advertised

Opened account on XX/XX/XXXX with a promo code XXXX I received in the mail for a {$500.00} bonus after depositing {$5000.00} and completing 5 qualifying activities. Ive completed the requirements but the bank is now saying I needed to maintain the {$5000.00} in the account for 60 days. There was nothing in the terms saying the {$5000.00} had to be left in the account for 60 days. 


Offer valid through XX/XX/XXXX. 
Promo code XXXX MUST be used when opening the business checking account. 
This offer is only valid for the addressee and is not transferable. 
A {$100.00} minimum deposit is required to open a U.S. Bank Silver, Gold, Gold Business Checking with Interest, or Platinum Business Checking account. 
Earn your {$500.00} cash bonus by opening a new U.S. Bank Silver Business Checking, Gold Business Checking, Gold Business Checking with Interest, or Platinum Business Checking account before XX/XX/XXXX. You must make new deposit ( s ) of at least {$5000.00} in new money deposits ( Direct, Mobile, ACH or Wires ) within 30 days of account opening. The new money deposit can not be funds held by U.S. Bank or its affiliates. Additionally, an individual signer on the new checking account must be enrolled in U.S. Bank online banking or the U.S. Bank Mobile App within 90 days of account opening and complete 5 qualifying transactions : Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit and Bill Pay within 90 days of account opening. 
The cash bonus will be deposited in your U.S. Bank business checking account within 45 days of offer qualification verification, if the account is open and has a positive balance. 
Offer may not be combined with any other business credit card or checking account bonus offers.

Offer is not valid if you or any signer on the new business checking account have an existing U.S. Bank business checking account or had a U.S. Bank business checking account in the last 24 months.
Complaint sub-issue: Reporting company used your report improperly

I did not consent to authorize nor benefit from the following account ( s ) Block and Remove!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Prior the many phone calls, I sent letters to each creditor and credit bureau asking for proof of validity of signed by me XXXX XXXX XXXX credit applications ( inquiries ) The Results Of Our Reinvestigation ( EQUIFAX ). 

>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
Inquiry Date : XX/XX/XXXX CR ( Continued On Next Page ) XXXX Page 3 of 6 XXXX XXXX  XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : ( XX/XX/XXXX XXXX XXXX XXXX XXXX ) >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX We have reviewed the consumer statement. The Following Consumer Statement Has Been Added/Updated To Your Credit File As You Had Requested. THE FCRA STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING SOMEONES CREDIT REPORT IS A ) FIRM OFFER OF CREDIT B ) INSURANCE C ) A COURT ORDER/ D ) EMPLOYMENT/ I RECENTLY PULLED A C OPY OF MY CREDIT REPORT AND NOTICED INQUIRES THAT I DID NOT AUTHORIZE AND DO NOT FIT A, B, C, OR D ABOVE ( XXXX ) XXXX Source : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Account Number : XXXX Company : XXXX XXXX  This account was opened in XXXX. This account has since then been paid and closed. I reached out to XXXX XXXX  and asked for them to remove this item from my credit report. XXXX XXXX  agreed to do so, The lady I spoke with informed me that I just needed to call each credit bureur and repot the same statement to ( XXXX, EQUIFAX, XXXX ) I did just that and each agency then told me that I need something stating that XXXX XXXX  would remove the item. I Informed all three agencies again that XXXX XXXX  stated that there was nothing else to do but let all three agencies know to remove the account listed above due to the age of the account and it being in good standing. I have since then sent in 3 rounds of dispute letters asking for ( XXXX, EQUIFAX, XXXX ) to contact XXXX XXXX  and get the approval for removal the account above directly. I also asked for them to send me proof of application for credit inquiries listed above there are inquiries reporting to ( XXXX, EQUIFAX, XXXX ) that are incorrect and there is no signature from me showing that I gave the businesses above permissible permission to pull my credit report. 

As I know that I a direct violation of the FTC/FCRA These same items have been reported to my XXXX  report
Complaint sub-issue: Report improperly shared by CRC

I recently filed a complaint with the CFPB about Equifax Consumer Agency refusing to provided me with my consumer credit report. Now, Equifax is falsely stating that I have placed a Fraud Alert on my Credit Report, which is not true at all. Equifax has also notified all the other Credit Consumer Agencies of a false Fraud Alert that I have not submitted at all. Would someone please assist me with this issue please?
Complaint sub-issue: Account information incorrect

Over the years I have been financially unable to repay this loan. My income tax refunds have been taken from me twice in the amounts totaling between 12 and 13K all together. Once in for the XX/XX/XXXX tax yr and once for the XX/XX/XXXX tax year. The moneys that was withheld was not applied to my student loans according to my credit reports, even though I was told by the IRS this was the reason I never received my refunds. My question is where is the money that was taken from me supposedly for this loan. Why is the loan on my credit reports multiple times totaling the same amount as day one as if they have received nothing. I can not get any loans, credit cards, or apply for a mortgage because this continues to hang over my head. It has literally been years and I am asking for help removing these inaccurate numbers from all my credit reports immediately. The credit reporting agencies have not verified any of this info to be true by sending me the original loan records minus the tax refund dollars. There for under the law they must remove the false information.