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

On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a XXXXXXXX in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX in the customer care recovery group who told me that it's not XXXX XXXX XXXX responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX Go Financial 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.

I need this item removed from my credit report immediately or further legal action will be taken.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Checked XXXX XXXX and there is a hard inquiry from XXXX ( Retail, Not Elsewhere Classified ) on XXXX XXXX, 2017. I never authorized a credit check for anybody in the past 2 years. it is showing up on my Equifax report
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

The misinformation, inaccurate data and false accounts reporting on my Equifax consumer file is blatant neglect on this CRA 's part. Their lack of transparency with their investigation and willingness to furnish false information instead of maintaining maximum accuracy as outlined in the FCRA is ridiculous. 

Since XX/XX/2021, I have sent certified mail and documented my process concerning the inaccuracy of my consumer report. There is erroneous information reporting on my credit such as XXXX XXXX XXXX and XXXX XXXX in the sums of {$1700.00} and {$230.00} that have not been verified, the lack of sufficient proof has been polarizing in terms of receiving no further documentation of their findings like I requested. Equifax has not been concerned in assuring the validity of these debts and the claim that I owe them. They're also not in compliance of federal and state laws as I was given no notice before they reported to bureaus, upon disputing they have came back " verified '' without showing permissible purpose to attempt too collect these debts and have had complete disregard for FDCPA laws. 

After reaching out to Equifax for months concerning these accounts and the companies helping them furnish fallacies I sent correspondence letting them know my next steps and have yet to receive a document of what I originally have been asking for concerning the questionable information on my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This related to CITI 's refusal to adequately resolve a dispute with XXXX  car rentals for the mechanical breakdown of a car in XXXX on XX/XX/2017, within an hour of receiving the car. The total amount charged was {$2200.00}. I have detailed this matter exhaustively in a complaint to CITI, describing both XXXX 's fraudulent charges, and CITI 's poor handling of the matter. My statement is over 10 pages long and includes 71 pages of supporting documentation. I therefore will attach it all, rather than repeat it here, at the appropriate step. XXXX, who has refused to respond to my efforts to reach them, also has offices in the United States ( an address is provided at the close of my letter ).
Complaint sub-issue: Public record

I applied for a credit card with Best Buy to buy a washer and dryer with 0 % financing. I calculated my monthly payment and made my first one and set up an auto deduction from my bank account. However, they never sent me the actual credit card and they never implemented the autodeduction. I called multiple times to get the credit card, they never sent one. They also never notified me that they were n't taking the monthly payment for my debt. After 3 months I finally receive a letter indicating that my account is closed and they 're reporting me to the credit bureau. I had perfect credit until this time. We sorted out that they had failed to properly implement the auto deduct and I immediately paid them what was needed. Even after acknowledging their mistake they refused to remove this info from my credit report. My account has been paid in full and I owe them nothing, but my credit was severely damaged. Can you help get them to take it off my credit report?
Complaint sub-issue: Contacted me after I asked not to

i married and moved and transferred my XXXX service to my new home. I assumed that any bill remaining would transfer to my new account. after a few months i received notification from XXXX collection agencies about my XXXX debt from XXXX. XXXX XXXX and Enhanced Recovery were both attempting to collect the past due amount. I made serveral calls to XXXX, XXXX and Enhanced and almost immediately both XXXX and Enhanced reported the same debt to the credit bureaus. I know that XXXX collection agencies can not collect the same debt. I now made hundreds of phone calls to all parties to say i was always willing to pay this previous past due amount that i was not aware that i had until i received notice from XXXX collection agencies. after numerous phone calls about his misunderstanding, XXXX agreed to remove my trade line and that I should now deal with XXXX. Enchanced Recovery refuses to help me calls me serveral times a day and i try to explain what had happened. Enhanced was also aware that XXXX collection agencies were reporting the same debt. they have ruined my credit for a debt i did not know i had and by the time i straightened out having XXXX collection agencies reporting the same debt - they refuse to remove the trade line from my credit reports
Complaint sub-issue: Information belongs to someone else

I have contacted each company to informed them that I've been a victim of Identity theft and they directed me to touch base with the credit bureaus.
Complaint sub-issue: Account opened as a result of fraud

Someone received Ohio Unemployment benefits in my name with a application date of XX/XX/XXXX. Even though I have been employed at my job since XX/XX/XXXX. Than Friday XX/XX/XXXX I received a bank statement from Keybank ( that I have no accounts with ). I went to the branch today and filed fraud paperwork with them as well.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX DEPT OF ED INQUIRED ON XX/XX/XXXX XXXXXXXX XXXX  INQUIRED ON XXXX XXXX, XXXX XXXX XXXX INQUIRED ON XXXX XXXX XXXXXXXX XXXX INQUIRED ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON XXXX XXXX, XXXX
Complaint sub-issue: Charged too much interest

I have a Discover card, I have a balance of {$4000.00}. I pay my monthly bill on time pay more than the minimal amount. 
Everytime I pay extra money Discover find away to take the money back. I pay over {$100.00} a month and Discover takes it all back in interests. Discover gave me a credit of {$30.00} and found away of taken that back too. 
I have tried to work with them but its not working they trying to fleece me ... I can't get ahead if they keep charging me over {$70.00} dollars in interest. 
I could have paid the balance way down if they STOP making up interest charges. I don't even used the card is the disturbing point. 
I acknowledge I owe them but I don't feel I can get a head in paying off this account if the keep. 
taken the money back as I pay off the balance. I need help with this major issue!
Complaint sub-issue: Account status incorrect

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

In accordance with the Fair Credit Reporting Act below, the following accounts have 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.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2020
Complaint sub-issue: Information belongs to someone else

The company listed below has a claim under my name on XX/XX/XXXX. My Insurance company is XXXX XXXX at XXXX and they have XXXX records of claims under my name. I have attempted to reach out to have this removed and they only allow you to submit a request but no one has responded. I have had no insurance claims since XXXX This is effecting my ability to obtain car insurance at a reasonable rate. 


Comprehensive Loss Underwriting Exchange ( CLUE ) Status : OrderedReport Source : LexisNexis Risk Solutions XXXX Reference : # XXXX
Complaint sub-issue: Information belongs to someone else

I have noticed false reports on my credit history and I would like them removed as soon as possible. This is causing horrible outcomes with loans and my current employment!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a copy of my credit report and noticed some hard inquires that I do not recognize. 

XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Good afternoon, I have XXXX credit score from all three reporting bureaus. Equifax on XX/XX/2021 dropped my credit scores to XXXX. I called XXXX  and XXXX  and they explained to me that there was no changes in my information. I do not have a collections, late payment, bankruptcy, or court decision. 

I went into Equifax to see the reason for the drop of XXXX points and there was none. All the information i had with them prior to dropping my score form XXXX to XXXX are the same. I tried to submit a dispute and the system would not let me. 

I called the agency on XX/XX/2021 at XXXX XXXX. The staff told me that they are no able to tell me the reason why they drop my score. I tried to explain to them that they can not randomly drop people 's score without being able to give the reason behind such action. 

I was not able to get any explanation why Equifax drop my score by XXXX points. I still have a FiCO score of XXXX with XXXX  and XXXX with XXXX. But, I can not get information about my credit score with Equifax. I know by law, you can not drop someone's without providing why it was dropped and I was not able to get any information form them. 

Thanks in advance for helping understand why they drop my score.
Complaint sub-issue: Account status incorrect

Pursuant to the expiration of our Car Lease with XXXX XXXX dated XX/XX/2020, we arranged to return the leased car prior to that date, returning it on XX/XX/2020. Due to our age and comorbidities, we requested ( as XXXX  normal procedure ) to have the car pre-inspected and picked up from our residence home prior to expiration of lease. No XXXX inspector was available and the car could not be picked up from our home, again due to Covid 19. Same advice was given by dealerships XXXX XXXX and XXXX XXXX XXXX XXXX CA. We were told to bring the car to the dealer closest to us, ( i.e., XXXX XXXX XXXX in XXXX XXXX CA ). There was no XXXX representative present at the dealership and the manager representative for the dealer, upon our request, had her representative staff inspect and look over the car in our presence, checked the odometer reading to ensure everything was in order ; car had XXXX miles per odometer on a 3-year allowed lease mileage of XXXX miles. The dealer reported to the manager who then issued to us Vehicle Return Receipt. Per the lease agreement a total disposal fee of {$590.00} is payable at lease end which we offered to pay but advised that XXXX XXXX send a bill for it separately. 
In a phone call with XXXX XXXX, I was told that in addition to the disposal fee of {$590.00}, we are being billed for {$48.00} sales tax on the disposal fee, not indicated on the lease agreement, and an excess wear and tear scratch on the rim of the tire valued at {$85.00} plus tax. We paid the {$590.00} total disposal fee per the lease agreement, but disputed and contested the validity of the excess wear and tear charge and disposal sales tax, requesting for the evidence supporting the charges such as inspection photos or report of inspection done in our absence. I mentioned that because of XXXX  representative not available, we requested for inspection done by the dealership manager or representative. However, XXXX XXXX stated that the dealership we surrendered that car to, does not represent XXXX XXXX. The XXXX XXXX underwent premium maintenance as warranted by the lease during the lease term as required and necessary. 

After my payment of {$590.00}, I never received any more statement of account from XXXX, nor did I receive any advice on the disputed items. 

I discovered sometime last month that the disputed items were erroneously reported by XXXX XXXX as delinquent, resulting in my and my husbands credit scores to drop from the XXXX for many years, to the XXXX during this unfortunate Covid 19 period. The procedure I would have expected would be a denial of my dispute and further statements of account or delinquency notice, etc., to let me know XXXX demands payment prior to reporting disputed balance to any credit bureau. This practically ruined our financial ratings and integrity for further financial business transactions. 
This is definitely an unfair consumer financing practice particularly of a large corporation as XXXX XXXX XXXX. 

We are still awaiting XXXX  supporting evidence of the disputed items as described above.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These inquires below are not authorized by me. 

Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing
Complaint sub-issue: Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against PROCOLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX I was in receipt of a notice from XXXX XXXX XXXX that they were trying to collect a debt allegedly owed to an apartment complex. My attorney, on my behalf, sent a letter to them dated XX/XX/XXXX, notifying them of the fraudulent account and urged them to cease and desist all collection activity. Fast forward to XXXX of XXXX and I discovered I was not able to rent an apartment due to this collection showing up on my credit report. I have disputed multiple times with the credit bureaus to no avail and my attorney gave every opportunity to the apartment complex and XXXX XXXX to remove/block it. To date, that has not been done. On XX/XX/XXXX my attorney, on my behalf, filed suit in small claims court against the apartment complex. Still later, that attorney has had numerous communications with the manager of XXXX XXXX, providing ALL relevant documentation and giving them the chance ( s ) to remove the reporting of this fraudulent account. As of this time, they continue to certify it to the credit bureaus despite knowing its fraud. My attorney has drafted a federal lawsuit against XXXX XXXX, which will be filed should they still fail to cease reporting. XXXX XXXX has continually violated my rights under the FCRA by failing to conduct an independent investigation and siding with the lender simply because it is financially beneficial to do so. Every attempt they have made to collect this bogus debt is another violation of the FCRA and constitutes unfair trade practices at the very least. I have included all relevant documentation/ court records for proof.
Complaint sub-issue: Problem accessing account

Institution offfering banking services : SQUARE INC C/O SQUARE BANKING The problem is this company has offered me banking services, which include a checking and savings account. I make use of the checking account services offered by SQUARE. On XX/XX/ I requested standard monthly banking statement including the following first and last name, the account number associated with the checking account. 

It was explained to be by the SQUARE Representative that the company does not provide such documentation. Considering I pay a banking fees associated with the service, it is not clear to me why SQUARE INC. would not be able to provide consumers with documented proof of being a legitimate checking account holder. 

Not having a bank statement has put a halt on my ability to conduct other business in other areas. 

Please help.