Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

THIS COMPLAINT SUNMITTEF BY XXXX XXXX PERSONALLY IVE BEEN EXPERIENCING A GLASS CEILING WITH MY CREDIT SCORE FOR YEARS SINCE MY XXXX  XXXX. I HAVE RE-ESTABLISHED NEW CREDIT IN ADDITION TO MANY GOOD ( PAID ) OLDER ACCOUNTS THREW HARD WORK & LONG HOURS. HERE ARE PRIME EXAMPLES WHY : XXXX. XXXX ( XXXX ) BAL IS XXXX WITH A XXXX AVAILABLE CREDIT XXXX. XXXX ( XXXX ) IS OPEN NOT CLOSED. HAS NEVER BEEN CLOSED! IT HAS A XXXX CREDIT LIMIT WITH XXXX XXXX XXXX. XXXX ( XXXX ) HAD XXXX AVAILABLE CREDIT ALSO WITH XXXX BAL. XXXX SHOWING SAME ACCOUNT XXXX. XXXX XXXX & XXXX CLOSED. ACCOUNT IS OPEN. IT TOO WAS NEVER CLOSED ALIKE XXXX! 

IN CONCLUSION : IT APPEARS MY SCORING FACTORS SUCH AS CREDIT USAGE, DEBT TO INCOME RATION & AVAILABLE CREDIT IS BEING DERAILED BY MY ACCOUNTS, BALANCES & PAYMENT HISTORY KEEP ARBITRARY COMING UP CLOSED WHEN I PAY THEM DOWN!
Complaint sub-issue: Investigation took more than 30 days

To Whom It May Concern : I am writing to file a complaint against Equifax, XXXX. XXXX XXXX, XXXX, GA XXXX. 

I have disputed an incorrect negative account that is incorrect / not mine and should NOT be on my credit report. I have tried multiple times to dispute it to be removed, I have sent them letters from the original creditor stated on the account proving they have no data for that account ever existing never the less being mine. 30 Days ago ( XX/XX/2020 ) I sent over a dispute letter with the proof I received by mail from the original alleged creditor so they may remove the account. I have not received my results or any reply by mail to this matter. They are now in violation of my rights and need to be held accountable for causing such hardship. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax to date. Along with letters from the original creditor stating they have no proof of the negative reported account ever existing. This would mean the bureau had no way to validate this negative item and should have removed it. 

Also the credit reporting agency mentioned above has failed to respond to me with investigation results or removed the item within the allotted 30 day window and is now or very soon to be in violation of my consumer rights. I am requesting your assistance in putting an end to this ridiculous matter. PLEASE ORDER THE CREDIT BUREAU TO DELETE THIS INCORRECT, FALSE ITEM FROM MY CREDIT REPORT. This item has affected me terribly and completely handicapped my life and business. 

Thank you for your assistance.
Complaint sub-issue: Account status

XXXXRe : Equifax Credit Report of XXXX XXXX XXXX, XXXXI need your help to increase my credit score to where it rightfully should be so that I can qualify for better interest-rate terms. Currently, the credit reporting agencies are inaccurately reporting on my mortgage debt. I believe this adversely affects XXXX consumers ' credit scores ; and by design or not, greatly benefits the financial industry by their being able to justify charging consumers higher interest rates on consumer debt. 
Since XX/XX/XXXX I paid my mortgage on time. But the credit reporting agencies do not reflect reality. In fact, there is no history of me even having a mortgage prior to XX/XX/XXXX. This is inaccurate by omission. 
Paying one 's mortgage on-time for 15+ years is one of the best things to do to increase one 's credit score to qualify for record-low interest rates. 
My Equifax credit report does not show or give me credit for 15-plus years of paying my mortgage on time. Instead the only mention of my mortgage is a two-month period from one mortgage-service company in XX/XX/XXXX. And another 2-year period of on-time payments from another mortgage service company from XX/XX/XXXX-XX/XX/XXXX. That 's it. 
To remedy this error that has already cost me tens of thousands of dollars in higher interest rates and will continue to cost me in higher interest rates until this is corrected, I want the credit reporting agencies to report that I have paid my mortgage on time since XX/XX/XXXX. 
Thank you so much.
Complaint sub-issue: Their investigation did not fix an error on your report

I found some unauthorized inquiries on my credit report from Equifax, so I sent a multiple inquiry letter on XX/XX/XXXX by certified mail to the company. The letter explained that the following inquiries listed were not authorized by me and I wanted the company to investigate the situation and to delete those inquiries because they were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I received results from the company dated XX/XX/XXXX, stating that the inquiries are a factual record of file access and nothing was deleted from my file. A week is not long enough to do a proper investigation in this matter. According to the FCRA, as a consumer it is my right to have a proper investigation into any issue or inaccurate information contained in my credit file. I was unsatisfied with their actions, and I would like the above inquiries deleted to remedy the situation.
Complaint sub-issue: Information belongs to someone else

Employment incorrect, Not employed with XXXX XXXX XXXX  Address incorrect XXXX XXXX XXXX, XXXX never lived here Address incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX never lived here XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX Equifax , XXXX I have written each bureau and no response or action taken to correct fraud. 
I have filed police reports.
Complaint sub-issue: Account information incorrect

I have been reported to the credit bureau for 1 late payment over 30 days due to a yearly membership fee of {$59.00} THAT WAS DUE ON XX/XX/XXXX allthough this credit card has been paid in full since XX/XX/XXXX. 
I have authorized XXXX on several occasions to deduct minimum payments automatically from my bank account. 
I spoke with the rep at XXXX and they verified that they have all of my correct banking info. On file however, the automatic payment was never generated and therefore they have reported negative information on my credit bureau.
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 an account without my written instructions.
Complaint sub-issue: Didn't receive enough information to verify debt

I C Systems Inc XXXX XXXX XXXX XXXX XXXX, MN XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.
Complaint sub-issue: Information belongs to someone else

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX  & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B CONF # XXXX I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX  XXXX  ACCT : XXXX AMT : {$750.00} XXXX ACCT : XXXX AMT : {$660.00} XXXX XXXX  XXXX ACCT : XXXX AMT : {$860.00} XXXX XXXX XXXX XXXX XXXX   XXXX AMT : {$3900.00} JXXXX XXXX XXXX   ACCT : XXXX XXXX : {$5900.00} XXXX XXXX   XXXX ACCT : XXXX AMT : {$2700.00} XXXX XXXX XXXX ACCT : XXXX AMT :  {$5000.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2019XX/XX/2019
Complaint sub-issue: Company closed your account

My XXXX XXXX  - XXXX  XXXX  XXXX was closed due to me paying with a new added savings accounts and radius couldn`t verified the name for ownership and crazy enough closed my account for just adding a new bank account to pay off the card completely without giving me a call or chance send in any kind of proof of ownership verification of the new account
Complaint sub-issue: Information belongs to someone else

Hello this is a formal complaint to request all credit reporting agencies including XXXX, XXXX, and Equifax to stop reporting invalid information in my name. Listed account information XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX are in no way mine. There is a public record for child support on my report and I DO NOT EVEN HAVE KIDS. That is false and misleading and has stopped me from getting a promotion amongst other things. The listed account XXXX XXXX XXXXXXXX # XXXX that I do recognize is not only never late but in very good standing. The credit reporting agencies have taken fraud to a whole new level all while violated the federal law.
Complaint sub-issue: Didn't receive advertised or promotional terms

CITI Sears card ran offer of 15 % back on gas stations, grocery stores and restaurants up to maximum of {$90.00} for XXXX, XXXX and XXXX. I received the credits for XXXX and XXXX but not XXXX, despite receiving an email on XXXX XXXX stating I had accrued XXXX as of that date for the month of XXXX, yet I never received any of that credit which, by my own statement records would have been {$90.00} by the end of XXXX. Furthermore I called 3 times to resolve this and was treated with disrespect. The first manager said he would resolve it in 5-7 days and 3 weeks later still no credit. I called again and again explained the situation to the manager at which point with no warning he put me on hold where I waited for 30 minutes before giving up. This was rude and unacceptable.
Complaint sub-issue: Trouble with how payments are handled

When ever the loan provider was issued a social security number and a signature the loans should have been discharged through the Treasury ... This process was created by an act of Congress in XXXX. XXXX XXXX XXXX ( XXXX stat. XXXX ) was designated to discharge all obligations dollar for dollar. The loan provider is unaware ( due to the lack of knowledge ) of such passage of the Banking and Banking Regulations XXXX XXXX XXXX XXXX XXXX. Where all obligation are to be discharged dollar for dollar. The loan provider is unaware ( as are most Americans ) that the United States dollar no longer exists. What we think is money is actually not money but a promise to pay at a later date. XXXX XXXX XXXX ) These notes appear to resemble the United States Notes by the similarities of appearances. The only difference with these notes they are titled XXXX. If XXXX pays attention to the fine print on the XXXX it will say " This Note is Legal Tender for All Debt public and private ''. So in order for XXXX to repay any loan would be illegal since a debt can not be repaid with another debt. Thus, why Social Security was Instituted in XXXX called the XXXX. The United States had to create an unlimited credit line for the people due to the existing economic crisis. Those unlimited accounts are our Social Security numbers.
Complaint sub-issue: Information belongs to someone else

Complaint Number XXXXStep 1What product or service is your complaint about?Step 2What type of problem are you having?(https://www.consumerfinance.gov/)Submit a complaint / Complaint filedPRODUCT OR SERVICECredit card or prepaid cardTYPEGeneral-purpose credit card or charge cardISSUEProblem with a purchase shown on your statementHAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?YesTYPE OF ISSUECredit card company isn't resolving a dispute about a purchase on your statementXX/XX/ Complaint Printhttps://complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print?sessionid=XXXX... XXXXStep 3What happened?Last month the above took out a debt consolidation loan with a company by the name ofXXXX XXXX account was approved for XXXX as a line of credit and about the 25th of last

month the above issued check from his XXXX account in the amount of $XXXX. mailedthe check with his monthly credit card statement to XXXX less than 48 hours XXXX hadcredited the amount of the check to the above credit card and available balance , afterabout 10 days there became a problem with that check that was deposited and then whenthe above made contact with XXXX XXXX XXXX to ask them why they did not Institute aHold on said check in order to verify funds before accrediting my account they said they donot verify checks, after speaking with my account representative at XXXX XXXX   heinforms me that after XX/XX/XXXX With XXXX XXXX XXXX problem all federal and state institutionsare required to verify accounts if they are above $1000. Therefore if XXXX had placed ahold on said check and then said check had a problem then the only issue between thecustomer and the bank would be a returned check fee not a account overdrawn fee?XXXX XXXX feels XXXX  is negligent and therefore XXXX feels that they do nothave to pay for XXXX  mistakesWhat would be a fair resolution to this issue?no fees and no negative information on credit filesStep 4What company is this complaint about? I want the CFPB to publish this description on consumerfinance.gov
Complaint sub-issue: Information belongs to someone else

I previously have been trying to get an issue addressed regarding identity theft on my report .... I have had several addresses and accounts that were as a result of my identity being stolen ... the addresses and some information has been removed and corrected but the accounts have not, .... i have a past ftc affidavits and I have added the additional accounts that I left out on these ftc affidavits ... I was told I did not have to have them notarized but one of them a month ago I did ... .. this information was mailed to you as early as XXXX of this year and has not been corrected ... recently you corrected some information and I am now sending the rest of the information that was missing from my first complaint regarding the accounts that are fraudulent ... I still have not been able to find out who have been using my information but so far I have been able to get all of the addresses and fake personal information removed and taken care of .... .but these accounts are still reporting that are on the FTC affidavit.
Complaint sub-issue: Their investigation did not fix an error on your report

A dispute was made to correct inaccurate reporting yet they added more inaccurate late payment information they refuse to report the date closed and the date sold which will removes the late payments after the closed date, On XX/XX/XXXX this account was closed it was then charged off on XX/XX/XXXX and sold on XXXX XXXX. you can not be late in payments after a account has been closed and charged off and sold. 

Explain to me how can I be late 120 days in XXXX, XXXX and XXXX and XXXX of XXXX when this account was closed on XX/XX/XXXX charged off and sold XX/XX/XXXX Explain tome how can I be late 59 days in XX/XX/XXXX in XX/XX/XXXX90 days in XX/XX/XXXX120 days late in may 150 days late in XX/XX/XXXX180 days late in XXXX of XXXX when this account was closed on XX/XX/XXXX charged off sold XX/XX/XXXX, XXXX they have no right to report late payments for the year XXXX if they sold this account on XXXX XXXX
Complaint sub-issue: Unable to open an account

I have tried to open a PNC bank account and neither would PNC or XXXX XXXX XXXX would not tell me why I could not open the account. I had one issue in the past with a credit union which was solved and reported to XXXX XXXX
Complaint sub-issue: Information belongs to someone else

OnXX/XX/XXXX, XXXX performed a hard inquiry that appeared on my Equifax credit report. Equifax will not remove this upon request, as they state this inquiry is a matter of fact. I do not have an account with XXXX, nor was I in contact with them at any point during this time period. This is an unauthorized or fraudulent inquiry. On XX/XX/XXXX, I contacted XXXX to have this removed. I spoke to four representatives on two separate occurrences and was give two answers : First I was told that this inquiry was not done - this is factually and indisputably false. Second, I was told there was nothing they can do to help me, which is a blatant violation of FCRA. Nobody I spoke with can provide any record of this being authorized, so by law it must be removed. I demand that the proper steps be taken to take this unauthorized inquiry off of my records.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a car loan with XXXX XXXX. There was a Class Action Settlement regarding improper collection practices, which as a part of the settlement, XXXX XXXX agreed to remove included loans from all credit reports. The loan was not removed from my credit report even though I submitted the settlement documents to each of the 3 bureaus.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2022, opened an account after being referred by friend using this link : XXXX XXXX XXXX which was said to be eligible for a {$500.00} bonus for the person being referred and to the person providing the referral. In accordance with the terms, which stipulated a direct deposit of {$200.00} and {$100.00} spend using the Albert debit card every 30 days for three months, all terms were met by me. On XX/XX/2022, I sent customer support an inquiry asking when the {$500.00} bonus would be paid as all term conditions had been met. On XX/XX/2022, I received a response to inquiry from customer support with the excuse that they could not find any evidence of being referred. However, as evidenced by the referral link above and the screen shots submitted with this complaint, this is simply not true, and I am belief and suspicion that Albert is simply using the excuse as a reason to forego payment of {$500.00} bonus.
Complaint sub-issue: Debt is not yours

I acquired my credit report and asked ProCollect Incorporated to validate a debt and ensure everything was complete and accurate according to 15 USC 1681i ( 5 ). I waited 30 days, and I havent received anything. Here is my tracking number : XXXX, which is the letter that I sent on XX/XX/2023. Its been well over 30 days in which ProCollect never responded. I submitted a complaint through the CFPB, and ProCollect responded that they sent me a validation letter the prior month in XXXX, which I never received. Here 's my complaint number : XXXX. At this point, this issue has ba very frustrating thing. At this point ProCollect has been displaying bad business practices. I will attach all documents in which I have mailed along with dates.
Complaint sub-issue: Information belongs to someone else

After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what i know is erroneous from my credit profile.
Complaint sub-issue: Investigation took more than 30 days

sent out letters on XX/XX/2022 and XX/XX/2022, to the three bureaus XXXX XXXX, XXXX, and equifax and still no response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 




1. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report.

2. Validate Account XXXX XXXX XXXX  Account Number : Please remove it from my credit report.

3. Validate Account XXXX XXXX Account Number : Please remove it from my credit report.

4. Validate Account XXXX Account Number : Please remove it from my credit report.

5. Validate Account XXXX XXXX  Account Number : Please remove it from my credit report.
Complaint sub-issue: Debt was result of identity theft

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Called after my work place was served with a garnishment asking for proof the agent told me on the phone that should could not come with how they got too XXXX dollars said it made no sense and when I asked for proof of service they served an old address and on a record line on XX/XX/10 XXXX a supervisor informed that the person who answered the door refused and the server left it at the door. I was never properly notified the law firm from refused to provide me any proof all the info they had on file old and outdated. When I called to discuss this they said they did an internal review and determined no wrong doing was done even tho the agent told me I was never served! How is this legal
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Bureau Equifax. 
XXXX hard inquiries affecting my credit report are : XXXX XXXX-XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX-XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX-XX/XX/XXXX Did n't want to remove my inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting a single late payment over 7 years old to my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I believe I started this dispute in XXXX and was just now notified of the results. Equifax is not allowing me to log back in because apparently the information I provided does match to my file. Even though it did less than 3 hours ago when I logged in the first time. They obviously did not investigate properly or the results would be accurate. This particular account with XXXX XXXX was settled in XXXX. I have had so many unnecessary problems with this company it's unnerving. I have been trying to clean up my credit by paying off accounts so I can provide a nice home for my family and Equifax has been thwarting my efforts out of what seems to pure laziness. Pictures of the paid account and their " investigation '' results are included.
Complaint sub-issue: Information belongs to someone else

I have filed a dispute and have not received any communication in 30 days