Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I sent a certified letter to all three bureaus asking for investigation regarding inaccurate Bankruptcy that was placed on my credit report. I respectfully as for them to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. I did not receive anything providing proof. Based on the letter that was sent back it was a little as three weeks from the date I sent my letter stating that this information was verified and accurate. I truly thought a real investigation was underway but it wasn't. I called and sent letters to the Bankruptcy Court, who explain to me in writing that they don't verify information with third-party companies, so how is it possible that the courts are the furnisher and I have in writing that they don't verify but XXXX and XXXX were able to verify information in less than three weeks. I believe that my rights were violated and I want some help with exposing this erroneous account off my credit report. Equifax did even give a course to even respond.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

VW CREDIT INC is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THIS COMPANY CHECKED MY CREDIT REPORT WITHOUT MY PERMISSION. THERE IS A STATEMENT ON MY CREDIT REPORTS THAT STATES TO CALL ME AND MY NUMBER IS LISTED FOR THEIR USE TO CALL ME, I DID NOT APPLY FOR ANY CREDIT FROM THESE COMPANIES. I AM A VICTIM OF IDENTITY THEFT. ALL THREE CREDIT BUREAUS KNOW THIS. THIS IS WHY THERE IS A FREEZE ON MY CREDIT REPORT. HOW THEY GOT INTO MY REPORTS I DON'T KNOW, MY CREDIT IS BEING CHECKED FOR SOMEONE ELSE. THIS IS IDENTITY THEFT.
Complaint sub-issue: Problem during payment process

XX/XX/2019 I logged into my credit card online account and scheduled a single payment for XXXX dollars. Two listings in the scheduled payments queue appeared. Each listed scheduled payment as the ability to click on it individually and cancel it. I intended to cancel one of the two scheduled payments, with no explanation of why the two listings appeared after only one payment was scheduled in the first place. Both listings of the scheduled payments disappeared. This left me with no scheduled payments pending and I was left to again may a second attempt to enter a scheduled payment. Again two separate listings appeared, this account was rather new to me and I made the determination this must be how the website lists a payment schedule in its pending payments section so I tried to make no further attempts to fix this. I had faith only one payment would process and this is just a programing graphic glitch. The next day two payments processed to my original concerns. I called the credit card company immediately and was told that one of the two identical  payments would be refunded in 24 hours, Saturday. No refund appeared and I checked again on Monday with nothing having taken effect. I called again and was told the last agent I spoken to on Friday was very incorrect and it would take three weeks. I told the agent that was way too long to wait for US Bank to correct their programming error and get back my XXXX dollars. I was then told I can call my own bank to contact US Bank to expedite this, then I asked what information do I need to refer to my bank so they knew how to proceed. I was placed on hold for a long time and then told to forget that original set of instructions. That there was no need to contact my bank because that is not part of their internal processes. I would just have to wait three weeks as originally told before being placed on hold. I told them I wanted to cancel my card and make payments on the balance for the rest of the term that I had an introductory zero APR. I was told if I pursued canceling my credit card that my introductory zero APR would end. I complained that US Bank really made some huge mistakes beginning with their website and their process for fixing them. I was told if there was nothing else they were going to end the call on me. I am afraid to use my credit card online account because a double payment can happen the next time I schedule a payment.
Complaint sub-issue: Information belongs to someone else

There are accounts being reported on my credit that are inaccurate and I do not give Equifax written instructions to furnish these accounts. If they continue to report these accounts that will be a violation of 15 USC 1681b ( a ) ( 2 ).
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have an account on Equifax and XXXX  that is a charge off and the account is 7 years and 6 months old and it has not been removed from my credit report as promised can you please assist me with this matter
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX I was provided a copy of my credit reports which all 3 reflected a {$13.00} past due balance on a closed Discover Card account. This incorrect tradeline was having a significant negative impact on my credit scores and ability to purchase a new Florida residence. I immediately contacted Discover and they immediately credited my account the {$13.00} as I had paid and closed the account several months prior. However, Discover had refused to remove the late marker caused by the {$13.00} debit that was their error. A Discover credit representative suggested I dispute the issue with the credit bureaus which I have done. However, in the meantime Discover continues to allow this incorrect negative information to be be reflected on my credit reports and is impacting my ability to purchase my new Florida residence.
Complaint sub-issue: Trouble getting, activating, or registering a card

I applied for unemployment around XXXX and I finally got approved unemployment sent out my info to usbankreliacard and my payments are on the card but I never recieved a card its been a month or so I should have received card before I got the payments now I been cut from work due to the virus and I need this help when you call ReliaCard they keep you on hold for hours and never answer Ive tried for 2 weeks everyday all day and unemployment say they cant help me its on relia card how will I ever get my money
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX someone committed ID fraud and opened a bank account with XXXX XXXX XXXX. The company details from this hard inquiry on my credit report are : " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX, VA XXXX XXXX. 

On XX/XX/XXXX XXXX  submitted a Credit Bureau Dispute to Equifax to remove the hard inquiry from my consumer credit report, due to ID theft. 

On XX/XX/XXXX this inquiry was still not removed. 

On XX/XX/XXXX I filled an online dispute with Equifax and this was reviewed, their response : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : Equifax Info Svcs., XXXX XXXX XXXX, XXXX , GA XXXX Phone : ( XXXX ) XXXX '' On XX/XX/XXXX I tried calling Equifax for the past few days during business hours, was on hold for 2 hours, was unable to speak to anyone on the phone about this. The website also doesn't let me further dispute or give them more info or documents. 

I messaged Equifax on XXXX and also didn't receive a response there. 

I'm trying to refinance my home and this is hurting my credit score.
Complaint sub-issue: Reporting company used your report improperly

On Wednesday XX/XX/2021, I began receiving alerts that a hard inquiry on my consumer report was just made. Upon reviewing my report I saw that the inquiry was made by " XXXX  XXXX XXXX ''. I called the number listed and they explained that they do not pull consumer reports, however they provide the service for their clients to be able to do so and that the inquiry in question on my report was done by " XXXXXXXX XXXX XXXXXXXX. 

I immediately contacted the mortgage broker that I had been working work to refinance my mortgage and inquired why, without my knowledge or authorization he had taken it upon himself to pull my consumer report. 

Facts : -The mortgage company already had an copy of my consumer report that I did authorize for the purpose of completing the refinance, there was no reason to pull another. 

-I had already explained to the broker that I did NOT wish to have multiple inquires on my consumer report relating to this refinance as it know multiple inquiries can have a damaging impact on your ability to get funding in the future. 

-I DID NOT authorize a second inquiry on my report from this broker and it was done without my knowledge. 

-When I asked for an explanation from the Broker ; he lied. There was no need to pull my report again as he was aware he had my correct report ; despite if he had mistakenly misspelled my last name. He still got to the correct report. He also had numerous other legal documents as well if he needed to verify the correct spelling of my name ; including my license, tax filing, pay stubs and lastly MY OWN EMAIL. He then began to insult me. 

Please see the attached document.
Complaint sub-issue: Personal information incorrect

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to ensure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : My Full Legal Name : First & Last Name XXXX XXXX My Address : Address, City, State Zip XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 



My true and only name is XXXX XXXX Remove any other reported names immediately!! 
My true and only address XXXX XXXX XXXX XXXX XXXX, NY XXXX any other reported address immediately!! 
My true and only Date of birth is XXXX add the full date and remove any other reported dates immediately!! 
My true and only SSN XXXX Remove any other numbers you may have on file!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX DATE OF BIRTH XXXX PHONE NUMBERS XXXX ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX Spouse or co-applicant XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are reported inaccurately Immediately delete this personal data below and delete any and all accounts attached to this inaccurate data!
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the unverified and inaccurate account from XXXX XXXX XXXX   with Equifax on XXXX XXXX, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.
Complaint sub-issue: Problem with customer service

Two of my credit cards through Citi have flex loan offers which make up the bulk of my current balance. Recently my credit limit has gone down twice and it doesnt make sense with it being a loan not regular credit. This creates a cycle of bad credit because now my utilization is even higher, rates go up, which makes payments harder. I have not missed a single payment and have been a loyal customer for 4 years and in my 12 years of having ccs Ive paid all balances off, always. When I tried to resolve the issue I was on the phone for hours, was hung up on THREE times and finally the supervisor said there was nothing they could do and simply ignored me when I asked if it was normal to get hung up on so many times. I read others reviews after this phone call and this company is doing the same thing to many other people. its extremely hard to understand their employees on the phone- they often say they dont understand you ( the customer ) in turn getting their way in the conversation. 4 years Ive dealt with not understanding the person on the other line and was even accused by a supervisor once that I was a fraudulent customer. 
I get how cc companies work but in these hard times, I have lost my job, inflation, and all Im asking is that my credit limit be what it was, so my utilization looks good and helps me pay off debt rather than hindering me. This is a seemingly small, yet huge problem for me and Im sure many other people. Where is the heart?
Complaint sub-issue: Debt was paid

I have my son 's XXXX XXXX medical bill from XXXX XX/XX/XXXX amount XXXX . XXXX was born XXXX XX/XX/XXXX. This bill was paid insurance company " XXXX XXXX '' claim number XXXX. But collections agency " AR Resources inn '' trying to collect the debt from me again.I contacted the " AR Resources inn '' several times and explained that the debt was paid.
Complaint sub-issue: Not given enough info to verify debt

Enhanced Recovery added a collections account to my credit report on XXXX/XXXX/14. I noticed the debt on my credit when I checked it in XXXX 2014. I sent the first certified letter XXXX XXXX, 2014 and have sent multiple letters since then to this company and all 3 credit bureaus. We have sent multiple certified letters to Enhanced Recovery Company , LLC requesting verification of the debt because it is not mine. They have refused to provide proof of the debt and refuse to remove the item from the 3 credit reports.
Complaint sub-issue: Frequent or repeated calls

Repeated calls multiple times a day to restart autodraft after initially told payment amount was per month and drafts for same amount came per week. Did not adhere to request to remove ach debit of account and was threatening in response.
Complaint sub-issue: Account status incorrect

On three occasions I have requested credit increases or inquiries and both agencies below continue to report information wrong. My first issue was with XXXX in which Lexis Nexis reported derogatory or public record. For over a year I tried to get a XXXX card until i finally disputed with them, they sent sent two reports that showed no derogatory record, within a week XXXX issued my new card. 

Now XXXX XXXX has sent me a denial showing XXXX as the consumer reporting agency. As i type this my current score on their own web page is XXXX yet they report XXXX to XXXX XXXX they also show derogatory public record which is linked directly to Lexis Nexis.

Both companies have been advised on two occasions about the lack of reporting accuracy. I am requesting that the CFPB please get involved, I run a small business and this greatly effects me and does not seem to stop. 

Request for credit requested XX/XX/2021 LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Complaint sub-issue: Debt is not yours

was contacted by letter in the mail on XX/XX/XXXX, the letter was dated XX/XX/XXXX. This letter is from a company called Jefferson Capital located out of XXXX XXXX, MN. This company seems to be a collection agency and they are trying to collect funds from a company called XXXX XXXX. They say I owe a debt of $ XXXX.And this was created in XX/XX/XXXX. I have never had a XXXX account and when I notified the company the first time they wanted me to verify my social security number I would not give it to them and the rep on the other line got very hostile with me. I informed them that they could discuss this debt with my attorney and that I have never had a XXXX account. I am XXXX years old and I use a bank not XXXX to pay my debts. The young lad I spoke with was very rude so I ended the conversation with her. The date I contacted them was XX/XX/XXXX upon receiving the letter about XXXX in the afternoon CST. I decided to call back on XX/XX/XXXX, and I received assistance from this young man, I told him that I did not feel comfortable giving my information such as my social security number and he told me that was fine, he then began to tell me about the debt so I asked him if he had an email connected to this debt since it was a XXXX account, he gave me an email of XXXX, I have never heard of this email and it does not seem to be something in English, I informed him that they had the wrong person and that I needed to dispute this debt. He informed me that he would file a dispute and if I had any information that would be helpful in the filing of the dispute to send it to Jefferson Capital System XXXX. XXXX  XXXX, XXXX, IL XXXX or XXXX XXXX  XXXX XXXX, XXXX XXXX, MN XXXX. I feel like whomever this XXXX person is they are running a scam and giving debt to people that do not owe anything trying to threaten in paying. Please help me solve this problem.
Complaint sub-issue: Reporting company used your report improperly

ProCollect Inc is reporting on my credit reports that I owe them a balance of {$550.00}. I never had a contract or resided in a property ProCollect Inc Manages. I asked them to provide validation and they sent a lease from XXXX XXXX XXXX They werent able to provide any payments or receipts .I was unaware this was going on my credit reports as I was not notified and never had an agreement or contract with Procollect. Per FCRA regulations notice should have been given no agreement or contact stating I owe them and agreed to a certain amount that they request. If item arent deleted I will seek legal counsel as this is a violation of the FCRA regulations.
Complaint sub-issue: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPTEDXXXX XXXX Balance Owed : {$4100.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

DEPTEDXXXX XXXX Balance Owed : {$7400.00} Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
Complaint sub-issue: Account information incorrect

XXXX has been in dishonor for years. I have proof that Ive attempted to satisfy the debt obligation. Ive sent a registered security years ago. It was kept and account still not properly closed and settled. Letters ignored etc. 

By this account being on my credit report. It is effecting my way of living. Effecting my ability to obtain credit to purchase my first home. Refusal of discharge by law is automatic discharge. I want this off my credit immediately. Or I will file a js4 Civil Sheet. Along with filing a complaint with the SEC. For keeping my security. 1099-Cs never processed properly as well. 

Nel net shouldve never transferred or sold the debt to XXXX. 2018 I sent in tender of payment. It obviously was ignored. Which is automatic discharge.
Complaint sub-issue: Reporting company used your report improperly

Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Im having a issue with XXXX and Equifax credit bureau reporting false and inaccurate information about me thats causing me emotion distress and violating my rights as a consumer i would like if you can step in abd help me resolve this matter it has been more than the regulated time to clear up there wring doing and i haven't gotten a resolution that is fair and accurate. 
XXXX and Equifax is under violation for not following US 15 1692 ( e ) ( 7 ) ( 13 ) also US 15 1692 ( a ).

I sent this letter by USPS certified mail without receiving proper notice from XXXX.
Complaint sub-issue: Debt is not mine

I have filed disputes against a debt on my XXXX credit report. I have spoken to the original creditor, and I have spoken to the debt collector. Both have stated that they do not have me in their records. Both have verified that my name and social does not match, and that it is a mistake. Neither are willing to provide a letter reflecting that. Both assure me that filing a dispute with XXXX would fix the problem, but I have done this twice and no deletion. XXXX has told me that upon investigation, The collections agancy, has replied that the debt is indeed mine. I have never lived in that apartment complex. The collections agency, Procollect, has given me the run around completely. They give me extension numbers, and email addresses that dont exist. They asked me to call them back with proof that they were reporting onto my XXXX account. I hung up the phone logged into XXXX, and called them back. They stated that no one by the name I was given works at that office. It literally took less that 10 minutes. Other times I have called and they connot fine the file in question. My bank has a debt resolution company that was assigned to my case. Except Procollect doesnt accept calls from 3rd parties. In dealing with Procollect, I have been yelled at, called a liar, and hung up on. I would hate to see how people who actually have a debt are treated.
Complaint sub-issue: Frequent or repeated calls

I currently have a car loan with XXXX XXXX and my payments are on time. Since I got this loan and was a day late on payments, I continue to receive phone calls, every single day at all times of the day. It is harassment at this point. I have already asked them to stop and it continues.