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

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX - partial account numbers XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Information belongs to someone else

Dept of Ed/Nelnet desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently applied for a XXXX Citi Card. When I did this, they ran a hard credit inquiry. I did not authorize and it is affecting my credit score.

Because I didnt authorize, could please remove the hard inquiry? In addition, could you please change your policy so this doesnt happen without consent?
Complaint sub-issue: Personal information incorrect

I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. 
I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

To Whom it may concern, Name : XXXX XXXX XXXX ; Account ending : XXXX My name is XXXX XXXX XXXX and I understand that I have completed the requirement for the promotion, to receive XXXX points as it was advertised on the XXXX bank website. I did apply and was approved and I did spend {$XXXX} to full fill the terms of the bonus points but instead I got only XXXX. When I contacted customer service they demanded provide them with direct solicitation mail. I believe if city advertising XXXX points online they should be able to track customers who have applied online following their add. 

I am asking Consumer Financial protection agency to investigate this incident which sounds like a false advertisement. I am asking XXXX XXXX to honor their promise and honor XXXX bonus points. 

Thank you for your time, XXXX XXXX XXXX
Complaint sub-issue: Problem getting report or credit score

Issue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
When I went to the Free Annual Credit Report website and provided my information " TWICE '' it got to the downloading report message and just stayed there. Nothing was ever down loaded or shown on the screen. I attempted to contact the company but they have noting but a phone look and no way to talk to anyone to resolve the problem. I am afraid my information is out in cyber space somewhere for others to see and I am afraid my credit score has been negatively affected by trying to access my report twice. I believe there is some false information on my report and that is why I was trying to access it along with we are looking to buy a home and wanted the information for that purpose. A phone number is needed for customer service so people can contact and speak with a human to resolve a problem. I even tried obtaining a phone number from the Consumer Financial Protection Bureau to get a phone number for customer service from the Free annual credit report and they did n't have any other than what I had.
Complaint sub-issue: Attempted to collect wrong amount

I had an auto loan with the original creditor XXXX XXXX XXXX, that was sent to the collection agency, R. A. Rogers , Inc. I have been making payments to the collection agency for quite some time now, and recently requested a payoff amount to try and finalize the collection. They sent me the payment letter in XXXX stating " We are approved by our client to offer {$4100.00} which is due in our office by XX/XX/2022. Upon receiving a cleared payment of this settlement offer, we will notify our client that your account has been satisfied in full, and that you no longer owe on this debt. '' On XX/XX/2022 I made the payment in total of {$4200.00}. However, I then got a call from R. A. Rogers , Inc. stating that they can not accept the payment, as it is now {$2500.00} more to pay off. I wasn't sure if they could do this or really what to do so it has been going back and forth between the company and myself, I have asked around about this as well as speaking with a free consultation attorney that directed me to file this complaint to get assistance in addressing this. I was told that with the offer letter and my payment being made BEFORE their deadline, that they can not change the settlement amount and must accept the payment on their letter. To try and deal with this without having to go this far, I then contacted the Original Creditor, XXXX XXXX, to explain what their collection company is saying to see if they can contact their collection agency and advise them to take the payment. However, XXXX XXXX told me that they can't help, as the collection agency is completely separate from them. There's nothing they can do. So as I submit this complaint on XX/XX/2022, we have still not yet passed the payment due date for this offer. They claim they are sending me my payment back because they can't accept it due to the payoff needing {$2500.00} more than their payoff letter stated, yet I have also not received anything despite it being about 2 weeks since that claim.
Complaint sub-issue: Their investigation did not fix an error on your report

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EQUIFAX credit report recently and found some inaccurate reporting on my credit report. I wrote EQUIFAX a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXX - XXXX  - XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to EQUIFAX in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Complaint sub-issue: Reporting company used your report improperly

Equifax was recently hacked and after checking their service, i was listed as an affected victim.
Complaint sub-issue: Information belongs to someone else

Every time I will get an insurance quote for auto insurance my quote is extremely high. I have no traffic violations or claims. My agent informed me that it could possible be my credit score. I received my free credit report a couple of weeks ago, and notice there were many items that I never applied for. I need these accounts and items removed. 

XXXX XXXX {$0.00} XXXX XXXX   XXXX {$660.00} XXXX/XXXXXXXX   XXXX {$0.00} XXXX XXXX  XXXX {$420.00} XXXX  XXXX  XXXX {$760.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On or around XX/XX/2022, I cancelled my XXXX subscription then to ensure no future or reoccurring billing charges I changed credit card numbers. 

XXXX charges appeared on XX/XX/2022, statement. I reached out to Citibank and disputed the charge of {$9.00}. I informed Citibank the subscription was cancelled in XX/XX/2022, I do not authorize any reoccurring charges from this vendor. 

XXXX charges appeared again on the XX/XX/2022 statement. I never gave XXXX the new account number nor authorized Citibank to bill any reoccurring charges for XXXX Citibank set-up reoccurring charges without the consumer knowledge or consent and forcing the consumer to dispute said charge each and every month. 

Citibank is engaging in unlawful practice by rebilling the consumer account after the consumer cancelled the subscription and giving vendor access to new account numbers and forcing the consumer to pay for unwanted services.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I applied for a credit card at Best Buy when i was purchasing a computer because it was offered to me for 12 months no interest. I applied and was approved. A couple weeks later it appears on my credit report as a hard inquire and it lowered my score. I called the citi best buy credit card and the person told me they should have told me when i applied it was ahard inquire but they didnt and that they cant remove it. What can i do?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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: Other problem getting your report or credit score

Data on my Equifax report has not been updated since XXXX 2021. I tried accessing my online account and it is still not update. None of the positive credit I've obtained is being reflected.
Complaint sub-issue: Reporting company used your report improperly

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: Information belongs to someone else

Equifax has faudulent and incorrect address information " XXXX XXXX XXXX XXXX XXXX , GA XXXX '' showing as one of my former addresses. This was a part of an identity scam in which my postal mail was forwarded to that address. I want that address removed as I never lived there.
Complaint sub-issue: Information is missing that should be on the report

Hello I had an Mortgage with XXXX XXXX  from XXXX XX/XX/XXXX and the mortgage has been transferred over to LoanCare , LLC XXXX We made our last payment on XX/XX/2021. We made our first payment with Loancare LLC on XX/XX/XXXX, During the transfer my wife and I credit has been hit for an total of XXXX pts. Loan Care LLC is still no report our loan to all 3 credit companies. I have been calling them for the last month to get still resolved. Please help asap because this is hurting our credit really bad and we are trying to refi our house asap and now our credit is to loo to refi because of Loan Care LLC. 


I can be reached at XXXX XXXX
Complaint sub-issue: Account opened as a result of fraud

An account was fraudulently open in my name at Synovus Bank. I was made aware after the account was overdraft. I went to the ban on several occasion, Met with different bank managers who guarantee me that it would have been address and since XX/XX/2022. To date I've been getting collection letter and reporting to Synovus letting you know the situation the isn't resolved..
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 


XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$20000.00} ; DEPT OF ED/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: Their investigation did not fix an error on your report

Back in XX/XX/2020. A collection showed up on my credit reports for an XXXX returned check. I was contacted by the collection agency after I filed a complaint on your website. They alerted the credit bureaus to remove the collections. XXXX  did immediately. XXXX  did after I complained again and as of XX/XX/XXXX, it was still listed on Equifax credit report. So I sent Equifax a copy of the letter from the collection agency and yet still today XX/XX/XXXX, that collection is still listed on my report. I want this removed immediately.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My name is XXXX XXXX I am a federally protected consumer. Equifax is causing my grave abuse and detrimental harm. I reached out to this corporation in XX/XX/2022 via USPS certified mail with return receipt to provide a detailed comprehensive compilation of erroneous facts and inaccuracies that their company has caused to happen to me from their various breaches and negligence of the law. My consumer report is being damaged, and my financial reputation destroyed.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have been a XXXX XXXX sworn XXXX XXXX  XXXX since XX/XX/XXXX. I completed a XXXX in XXXX in XX/XX/XXXX. During my time at college I had to take multiple student loans to pay for my education. The loans included Stafford loans, Perkins loans, and Key Alternative loans. The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX ( education services ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX, and finally XXXX. I feel that I was pressured and talked into multiple consolidations that overall were very detrimental to my loan balance. I pursued a career in XXXX XXXX because I knew that after 10 years of service I would be able to receive loan forgiveness in my federal loans. Since the majority of my loans were federal this in theory would have worked out. I was unaware at the after consolidation to a private company this would not be available anymore. The company such as XXXX XXXX did not adequately relay this information to me and talked me into the consolidation. I have just about all of my loan statements. I consolidated one last time with XXXX just because they offered one of the lowest rates. I feel that the companies first listed defiantly preyed upon me as a college student with little money. At this time my balance is XXXX, XXXX this after almost 10 years of full on time payments. At this rate I could have been an MD.
Complaint sub-issue: Their investigation did not fix an error on your report

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor Information XXXX   XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX continues to change the dates of the file they had in my name-I DID have a card with them but IT HAD A BUNCH OF UNAUTHORIZED CHARGES ON IT FROM ID THEFT THAT THEY NEVER FIXED AND EVER SINCE THEY KEEP CHANGING THE DATES TO HURT MY CREDIT WHEN I HAVENT HAD CREDIT WITH THEM IN OVER A DECADE! ALSO ... 
( 2 ) As I was the victim of ID Theft due to the Equifax breech and others, my credit was SEVERELY COMPROMISED and I have paid a heavy price for it even trying to change my social sercurity number with no luck cause the SS guy didnt want to do his jobn ( I qualify in two kf the three reasons to change ones SS number-my number is one away from my Brothers and that has cause MANY problems as well AS I AM THE VICTIM OF ID THEFT AT ITS FINEST ) and finally ... 
( 3 ) Also there is about THIRTY HARD REQUESTS FOR CREDIT ON MY CREDIT WITH THE THREE MAIN BUREAUS AND I HAVE ALERTED THAT ONLY ABOUT FIVE OR SIX OF THOSE ARE MINE AND THE REST ARE ID THEFT AND SHOULDNT BE HURTING MY CREDIT BUT THEY ARE AND THEY NEVER TAKE THEM OFF!!!!!
Complaint sub-issue: Problem getting your free annual credit report

SATURDAY XX/XX/2019. 

I HAVE REQUESTED MY ANNUAL CREDIT REPORT SEVERAL TIMES AND XXXX   IS THE ONLY AGENCY THAT RESPONDS, ( SO I MUST BE DOING SOMETHING RIGHT ) NOT EQUIFAX AND NOT XXXX 

THE LAST TIME I REQUESTED MY REPORT WAS VIA THE XXXX NUMBER FOR REQUESTING REPORTS ON ( XX/XX/XXXX ). XXXX RESPONDED SAYING THEY HAD ALREADY SENT ME MY YEARLY REPORT AND THAT IS CORRECT, ITS THE OTHER TWO AGENCIES WHO HAVE NEVER REPONDED.
Complaint sub-issue: Debt was result of identity theft

from : my credit report activity Alert Someone used my credit XXXX2021 Source : XXXX Business Name : Credit Collection Service Balance Amount : {$910.00} Business Information : XXXX XXXX XXXX XXXX, Ma XXXX I contacted XXXX that someone used my credit to remove this bill off my credit report and filled out all the necessary paper work and mailed on Monday XXXX XXXX, 2021 and have not hard back.
Complaint sub-issue: Debt is not yours

The company Equifax is allowing an alleged unvarified debt to be reported on my account. This alleged account has no company name attached to it, only an account number. I have reached out to Equifax via mail and have not gotten any response about the alleged account.
Complaint sub-issue: Information belongs to someone else

I have submitted a valid police report to XXXX, and Equifax since XX/XX/2018. XXXX  and Equifax advised me my police report was not valid, that is not true. My report is a valid police report, from the XXXX Police Department, and this report can be verified. I live in a local town, I went back to the police department and was advised no one contacted the police department to verify if this report was valid or not. However, it is a valid report. 

My life has been a complete nightmare, for I have been denied credit, turned down employment, and unable to provide adequate shelter for me and my XXXX sons. 
I am a victim of identity theft, from a data breach, enclosed is a copy of the Class Action Settlement that I am a valid member and have been provided free credit monitoring services. 

There are several fraudulent accounts that has reported on my credit bureau I have fought with these credit agencies for over four months to remove this information. I have provided the credit agencies letters, from the many companies advising me that I am not liable for the accounts and they would remove it. But for some reason these credit bureaus refuse to remove it.
Complaint sub-issue: Their investigation did not fix an error on your report

For multiple months at a time, I have disputed, submitted, faxed, mailed letters, police reports and court documents to Equifax in order to remove unauthorized accounts and inaccurate information. I have also placed a fraud and freeze alert on my account. Many times of which the dispute results returned within a couple of hours with zero changes or updates. This has been a very tedious process without any help. I feel violated, very compromised and devalued as a consumer. These companies are suppose to be in place to help the consumers, not hinder. I would greatly appreciate any help received to resolve this situation. 

Inquiries : police report provided to Equifax XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX  XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 2020 XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, 2020 XXXX XXXX XXXX XXXX  2020 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, 2020 XXXX XXXX XXXX XXXX XXXX 2020 XXXX XXXX XXXX XXXX  XXXX XXXX, 2020 Accounts : XXXX XXXX XXXXcourt documents provided to Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I disputed a charge-off/collections account on my credit report on XX/XX/2022 via certified mail. The amount was {$91.00}. This information was sent to all 3 Credit Bureaus, XXXX XXXX, and XXXX deleted the account. Equifax has not placed the account in dispute, or acknowledged my request. They have yet to respond to my inquiry and it has been well over 30 days.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am one of the consumers who 's data was breached from Equifax according to their website.
Complaint sub-issue: Account status incorrect

Account Name : XXXX XXXX. Account Number XXXX* Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for XXXX, XXXX  reports as XXXX, and Equifax reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections accounts.
Complaint sub-issue: Information belongs to someone else

Someone got a hold to my personal information and attempted to get a vehicle. XXXX caught the incident and stopped it. 

I reported this to all bureaus due to the fact the let the person run my credit over 30 times
Complaint sub-issue: Received bad information about my loan

I made a payment to payoff XXXX loan from FED Loan Servicing. The date the loan payment was disbursed XXXX/XXXX/2013. On XXXX when I made the payment the balance was {$810.00}. When I logged in on XXXX XXXX, I have a balance of {$14.00}. The operator gave me some explanation that did not make sense. I want a check refunded to me in the amount of {$14.00} that I made again today.