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

I RECEIVED NOTIFICATIONS OF NEW INQUIRIES ON MY ACCOUNT THAT I HAVE NOT AUTHORIZED OR EVEN HAVE A CLUE OF THE THEY ARE BUT THEY HAVE SHOWN UP AS INQUIRIES THESE ARE THE COMPANIES! 

XXXX XXXX XXXX XXXX applied for a credit card on XX/XX/2021 XXXX XXXX You applied for a loan on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX Card You applied for a credit card on XX/XX/2021 XXXX Card You applied for a credit card on XX/XX/2021 XXXX Card You applied for a credit card on XX/XX/2021 XXXX You applied for a loan on XX/XX/2021 XXXX Co You applied for XXXX credit card on XX/XX/2021 XXXX You applied for credit on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  You applied for credit on XX/XX/2021 XXXX You applied for a credit card on XX/XX/2021 XXXX
Complaint sub-issue: Investigation took more than 30 days

Ive never done business with XXXX XXXX XXXX or entered into a signed contract with this company. The following account couldnt be verified by XXXX. Equifax needs to follow suit and delete this item from my report. FCRA requires all information being reported should be accurate, Please update my report and delete this fraudulent information from my report. Equifax also keeps verifying accounts with no proof. Ive sent in Police report and ftc reports. Its been months and they Keep saying XXXX XXXX is verified!! How is the account being verified. Im still waiting on a signed contract!! Nothing has come in the mail for Equifax or XXXX XXXX!! The account is fraudulent!! Again someone stole my identity and files taxes and opened multiple accounts in my name. Please block this information from my report. I will be getting an attorney, because Equifax has been investigating for months, I just received a letter dated XX/XX/21 asking for a police report. The police was sent via us mail and through an cfpb complaint. Whats the issue with this not. Please help me understand why Equifax is ignoring all of my legal paperwork being submitted.
Complaint sub-issue: Reporting company used your report improperly

So I sent a letter off on XX/XX/2022. My tracking number is # XXXX, XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people. 

These are a clear violations of my federally protected consumer rights.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
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 to privacy and confidentiality under 15 USC 1681. 
1. ) XXXX XXXX XXXX XXXX : # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX, 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 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 item of information, other than records of convictions of crimes which antedates the report by more 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: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, Company Inquiries 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
Complaint sub-issue: Their investigation did not fix an error on your report

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Information belongs to someone else

I signed up for extra protection on my account. If anyone attempt to pull my information due to obtaining any credit, it needs to be verified through me with my phone number. I noticed after checking my credit report that there is still fraudulent inquiries on my report. My identity was in jeopardy about 3 years ago. Once my vehicle was vandalize and my property was stolen during my attendance of Sunday service back XXXX. I reported everything to local police. My personal information and expensive military equipment was taken. Ever-since XXXX, I've been having problems with my credit reporting. 

On my equifax report there are 4 inquiries on my report that the representative refuse to open up investigation on. I call and get a disgruntle worker 90 % of the time. There is a new inquiry posted lately. Nobody called me to verify anything. Why opt into extra security when that doesn't even protect you. Please get this Credit reporting agency to do their jobs. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX just posted XXXX XXXX XXXXXXXX, and they never offered me the free protection I was suppose to receive when my identity was jeopardize back in XXXX.
Complaint sub-issue: Account information incorrect

Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX Credit Card. The amount is inaccurate because I have paid the balance in XX/XX/XXXXbut it hasn't been updated since XX/XX/XXXX.

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX
Complaint sub-issue: Information is incorrect

When requesting a report from Equifax, I consistently receive a hard time regarding verification of MY PERSONAL REPORT. The information they have is NOT accurate and they require me to send and re-send documents only to repeat the same issue. 

Previous complaint still applies : Have been going back and forth with Equifax. They have 2 credit profiles for me, in which I have sent in my passport, and SSA letter with my address. I have in the past had my wallet stolen, however, I have sent in documents VERIFYING my identity. There should be no confusion as the documents come from the federal government. EQUIFAX refuses to update and correct erroneous information, although, I have a copy of my report from XXXX. When calling, each agent has asked general question about my profile : do you have a charge card, if so how much is the repayment? Once I answer their questions based on the report generated from Equifax, they still tell me Im incorrect. I have faxed my supporting documentation to XXXX XXXX, and the complaint department.
Complaint sub-issue: Other problem getting your report or credit score

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.
Complaint sub-issue: Their investigation did not fix an error on your report

I keep getting the same response, but, yet they have never been able to verify that this was a legitimate joint account! This is abuse, I have asked that this be completely removed from my report since there is no proof that this was my account. They have not provided anything with my signature on it or any other documents of any kind. 
Now when is XXXX  going to be held liable for reporting false information?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I taped me & the Elan Reps conversation over the phone about the XXXX XXXX XXXX charge dispute and the Elan Representative is lying about our conversation : I put her on hold for a quick minute and then I came back to the phone and she was still holding, but I sat up there and said hello for 5 minutes and the Elan representative didnt say a word! So the Elan Representative is telling a big lie in her response to my complaint, and I have a recorded conversation on my tape recorder showing the Elan Reprentative is lying! 
I tried to respond back, but I just saw that I only had until XX/XX/2023 to respond. 
Somehow I thought I had until XX/XX/2023 to respond! 

But since Elan Representative lied in their response about what actually happened between me and her then I believe they lied about sending documents out to me about the XXXX XXXX XXXX for {$2400.00} to me, so they wouldnt get documents back from me, so they could take the provisional credit off for {$2400.00} and recharge my account for the {$2400.00} : because I did get the documents saying they had charged my account again for the {$2400.00} charge, so I think that Elan Financial Services should be made to immediately credit my United Community Bank Visa card for the XXXX XXXX XXXX charge for {$2400.00}.
Complaint sub-issue: Reporting company used your report improperly

False reporting was not made by me 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 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 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 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
Complaint sub-issue: Personal information incorrect

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Complaint sub-issue: Account information incorrect

My mother-in-law added me as an authorized user to her XXXX credit card account at least 25 years ago. She passed away on XX/XX/2022. XXXX has removed her name from the account and has placed the account in my name. I NEVER signed up for credit with XXXX and have not used this account and am not responsible for the balance that remained after her passing. They have placed a negative comment on my credit report. I have discussed this with them 4 times now by phone and they continue to report it incorrectly and are attempting to collect from me.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon checking my credit for the first time in years there were many Fraudulent accounts and inquiries that I didnt recognize and accounts that I didnt open as well as wrong name and addresses on my reports! I sent certified letters and FTC report about identity theft/fraud. I have sent many certified letters and called XXXX XXXX XXXX asking for all statements and documents on this account that is on my report.They keep reporting without providing and validating me the information that shows that this account belongs to me with my signature as well as every document with payments, purchases any and ALL information they have on this account! I have sent them FTC report and they are required to give me all documents with signatures and payments and statements but they have not done so! Each time I have called and disputed many times they change the date just to change something and Damaging my credit without proper validation that this is my account! I want the proof that they have provided this fraudulent debt to FDCA and FRCAs! Theyre reporting inaccurate information to Equifax, XXXX!
Complaint sub-issue: Their investigation did not fix an error on your report

Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XX/XX/XXXX, ( proof attached ). This operation was preformed XX/XX/XXXX. I would request this be DELETED from my credit report as it is INACCURATE
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my LENDINGUSA account. 

Id have an excellent repayment record. Ive had a spotless record of on-time payments. 

Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. 

Thank you for your consideration, and I hope youll approve my request. Also request a payoff letter to pay balance off in XX/XX/XXXX. 

Best, XXXX XXXX
Complaint sub-issue: Called after sent written cease of comm

JeffersonCapitalSystemsLLC has been harassing me regarding a debt purchased from XXXX XXXX pertaining to an early termination fee of {$100.00} over 2 years ago. Both companies have most recently listed the account as having been opened under the term " automated '' late last year on my credit report. This occurred after another collection agency had sent me an offer to reduce the amount owed if I agreed to pay in full. Jefferson Capital has made numerous inquiries into my credit, given incorrect information such as multiple case numbers, multiple company name variations and were listed as a seperate owner along with XXXX listing on my credit report. I have also received multiple calls on my cell phone which is on the national 'Do Not Call ' list. After being sent several collection orders lacking the original debt 's owner information and number a cease and desist letter was sent over a year ago via mail. I disputed XXXX early termination fee from the start and am tired of this situation.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I paid $ XXXX on my credit cards which paid 1 off. I paid XXXX on XXXX XXXX so XX/XX/XXXX credit score may be improved when applying for a home mortgage. On XX/XX/2018 I phoned the creditors to ask them to make an out of cycle " billing cycle '' update to the 3 credit bureaus ( XXXX, Equifax & XXXX ). All but XXXX XXXX would make the updates. Instead, XXXX XXXX sent me a letter outlining the $ XXXX payment and what the new balance was. I faxed this letter to all 3 credit bureaus. Equifax said they never got the fax although I had a confirmation page of the fax being successfully submitted. Equifax made the update 7 days later so they in fact did get the fax. XXXX took the full 30 days to make the update although they said they would expedite the request. During phone conversations with XXXX  the representatives were inexperienced and unprofessional. On this occasion I asked to speak to a supervisor in the US and he could not find my credit file. 

XXXX had deleted the XXXX XXXX account which lowered my credit score. It took multiple phone calls to get this information corrected. When working with XXXX and Equifax it was difficult to understand the representatives from another country. They too had a difficult time understanding me and my request. I made a total of 15 calls to get one small issue resolved.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX My name is XXXX XXXX XXXX am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me at 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES ACT was allowing for consumer protection under the CARES act with creditor offering accomidations. I have on my XXXX XXXX XXXX XXXXXXXX XXXX # XXXX date XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status. 
I have two addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX  Please delete/remove them asap.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : Wrong Name : XXXX XXXX  XXXX WRONG DATE OF BIRTH : XXXX  WRONG ADDRESS : XXXX XXXX XXXX  XXXX, MD XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

A Discover credit card was opened fraudulently with my information. After repeated disputes via credit bureaus the account still stands with the results " data furnisher verified information ''. However after repeated written and electronic requests sent to Discover personally requesting documentation obtained at time of opening/verifying the accounr, they have ignoredballbrequeats. ( Because I'm sure they do not have any ).
Complaint sub-issue: Debt was paid

Wrongful collection filled behalf of XXXX even though my account were paid in full I have called XXXX and there were no balance ( {$0.00} ) due nor they hired I C System to collect the debt on my account. I C System illegally reporting collection in m y credit report. I C System representative XXXX XXXX refused verify my dispute with XXXX XXXX  account XXXX account paid in full and still they are reporting collection in my credit report My Direct phone XXXX My XXXX account # XXXX XXXX XXXX