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

On XX/XX/2019, XXXX 's XXXX XXXX made a hard inquiry without my prior authorization. I contacted them to inquire about this and they said they were allowed by law when the account is being sent to an attorney for collections but I never received a letter of intent for these actions to proceed. I am very upset that this was done without my prior notification and authorization.
Complaint sub-issue: Problem with personal statement of dispute

IL state law does NOT allow credit reporting agencies to background check beyond 15 years. Nor does it allow reporting on offenses that occurred as a minor. 
Yet, www.chekr.com used a felony from 2003, a XXXX year old charge ( as a minor ) to bar me from employment, causing me to incur an indigent status. I AM XXXX living with family due to improper reporting. They EMBELLISH charges on your rap sheet without actually looking into each offense, to your prospective employer. I.E. If you pled no contest to say, a graffitti charge, vandalism, or any kind of damaging property charges, and you are trying to work for XXXX, they will report that graffiti charge to the Nth degree, even though, what could you vandalize while working out of your own car? Kinda like they don't want ANY criminals ( even the pettiest offender ) being hired EVER, forcing them BACK into a life of crime. 

Atop of that they are absolutely foul in their manners. A dispute to their reporting is almost disrespectful to them. I have never heard anyone get anything reversed from dispute. Pretty much, even if they do reverse the wrong info, the jobs already gone since it takes weeks for this trash entity to act.
Complaint sub-issue: Debt is not mine

I had ordered satellite service from XXXX. I took off work to be home when they made the connection. They did not show up. I notified them that I no longer wanted their service, Four days later while I was at work, they showed up to make the installation. I had a house guest present who knew nothing about the situation. She was tricked into signing for what she thought was certification that the installation was made. I never did sign anything, and my houseguest certainly can not sigh for me. I went through the whole difficult process of returning the equipment, which they denied receiving, until I produced the XXXX delivery receipt. They turned this in to XXXX who removed it from my credit, after I informed them of the situation. They now have used another collection agency, who turned it into XXXX, where it is on my credit again. This after I notified them with all this info. I believe that they have violated the law in this instance. This company is corrupt, and they attempt to keep customers trapped in a contract for inferior service with these despicable tactics.
Complaint sub-issue: Reporting company used your report improperly

A company which I never chose to do business with, Equifax, allowed malicious actors to gain access to my personal information including my SSN and credit information. By negligently failing to protect their systems in an adequate manner, they have put myself and millions of other Americans at direct risk. 

Beyond that, I was not notified by the company themselves, rather only through social media and direct action on my own part was I able to discover that I was a victim.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint Date opened XX/XX/XXXX Status Open. {$790.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$57000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$1100.00} Original balance {$62000.00} Highest balance {$0.00} Terms 72 Months
Complaint sub-issue: Debt was paid

i have paid this bill and i ask 4 it to be remove i was told it would take place win i pay but it is still on my report
Complaint sub-issue: Account information incorrect

I got a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Your company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Complaint sub-issue: Having problems with customer service

I 'm currently attending school ( full-time ) and my student loan servicer, NelNet, continues to say I 'm late on payments, although my payments should be deferred. My school has contacted NelNet multiple times and they have provided confirmation that I 'm currently in school but NelNet is not following correct protocol. 

I have tried to reach resolution with NelNet with no success, as they continue to say they do n't have confirmation I 'm not in school, despite myself CC'ing a school representative, where they 're providing information stating I am in school.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and XXXX. Thank you!
Complaint sub-issue: Report provided to employer without your written authorization

XXXX XXXX This Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, First of I would like to thank everyone attending this matter that is very important to myself. With that being said, I regret to inform that I believe that unfair and incorrect information is being reported on my credit profile. I disputed with XXXX, Equifax, and XXXX and the investigation to me, was not resourceful to correct my credit profile. Various unfair Inquiries were reported on my profile, I disputed such actions, I personally took the time to talk to each creditor who appears on my profile and not a single one had paperwork or proof of such Inquiry. I feel cheated by such thing that is why I have decided to dispute this with CFPB. The false inquiries reported are the following, along with the reporting credit bureau. 

EQUIFAX : XXXX XXXX XXXX, XXXX. XX/XX/2019, XXXX  XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, Off Lease Only XX/XX/2019. 

XXXX : XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, Off Lease Only Inc Via  XXXX XXXX XX/XX/2019 XXXX : XXXX CREDIT/OFF LEASE O XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX XXXX XXXX XXXX  XX/XX/2019 The previously listed Inquiries Were NOT approved or Authorized by me and I would greatly appreciated if the CFPB would help me out, This is my last resort to disputing false information being reported on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I 'm entitled to a method of verification as I have asked for and if they are unwilling to provide  one the information must be deleted. The credit reporting companies are not a ddressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in court.
Complaint sub-issue: Reporting company used your report improperly

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 states a consumer reporting agent can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Complaint sub-issue: Account information incorrect

The problem started with XXXX XXXX, equifax and XXXX  on XX/XX/2019 when my credit scores dropped from XXXX to XXXX without explanation. The problem further escalated on XX/XX/2019 when my credit scores dropped 90 points without explanation. The problem has persisted on XX/XX/2019 when my scores were further damaged without explanation. It appears no effort has been made to correct these egrigious errors.
Complaint sub-issue: Billing dispute for services

My credit report is showing that I opened a credit card with Discover Bank and it's showing that it has a balance of {$2500.00} as of XXXX XXXX XXXX However, I never opened any credit card with this institution.
Complaint sub-issue: Debt was paid

I'm not sure why this company is still reporting on my credit consider the fact that this was taken care of, and also citi bank is not reporting who they sold the debt to. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Complaint sub-issue: Account status incorrect

XXXX  XXXX account was adjudicated during Chapter XXXX. The account reappeared on my credit report after my Chapter XXXX was closed.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On my statement billing cycle ending on XX/XX/2020 CitiBank issued me a credit for fraudulent charges of {$1600.00}. On my statement ending on XX/XX/2020 I was RECHARGED for the unauthorized online purchases in the amount of {$1600.00}. 

I advised the bank that XXXX  had my card as an authorized purchasing option. However, my XXXX was compromised and the card was charged for online purchases on XXXX. I advised CitiBank that these charges were not authorized or performed by myself or any authorized user. It seems they were correcting the issue but have now un-reversed the fraudulent charges.
Complaint sub-issue: Contacted me after I asked not to

21st mortgage I was behind one payment, they call upwards of 5+ times a day, ( I have caller ID records to prove it ) emails sometimes more than once everyday. They send certified letters to any address they find on the internet. They send letters not certified constantly. They call phone numbers that are n't even mine, talking to other people about my loan. I have asked them repeatedly not to call, or send letters to any other address other than the one they have on file. I have asked repeatedly for a pay off figure not to include an escrow balance. I have asked for a complete payment history, they refuse to send one. What they have sent are XXXX completely different histories, and they say that " XXXX '' has his own set of books. They are charging a negative escrow from the previous owners of the house, even though the contract says that any negative escrow will become XXXX at the point of transfer. They paid someone elses taxes with my money, and charged me for it. I have spoken with their accounting department, and they ca n't even make heads or tails to the payment ledger. We are missing at least {$600.00} in escrow payments that were collected, and not deducted from the balance. Also, they sent " men '' to our house to collect the ONE late payment, even though the property is private, and posted. I have sent in writing that they are not allowed on the property, ( The land is n't included in the loan ) and they caused major property damage, I asked for their insurance information and they refuse to give it to us.
Complaint sub-issue: Billing dispute for services

I was scammed, by an individual, who also scammed, many more people! The Dept of Defense, Attorney General 's office, is investigating! 
Discover Card and XXXX XXXX, allowed me to exceed, my credit limit, of {$11000.00} and {$7000.00}, respectively. 
A checking account, was issued by XXXX XXXX without, my name on a signature card! XXXX XXXXXXXX XXXX, allowed me, to take out {$15000.00}, no questions asked! 
I am being sued by Discover Card! My local FBI, didn't do anything about this, including the name, of the scammer! I have been let down, by law enforcement! I need some help!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, these accounts have violated my rights : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not yours

I sent letters too the company twice XXXX and XXXX and they have yet too respond with the requested information that the debt is mine.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX & XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Complaint sub-issue: Information belongs to someone else

It is over 45 days from my first dispute XXXX XXXX XXXX about the mistakes in my report ( XXXX, XXXX, Equifax XXXX : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account However, I still not receive any physical verification of the original signed consumer contract - any and all accounts Credit Bureaus ( XXXX, XXXX, Equifax XXXX XXXX on a credit report
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX XXXX XXXX with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

These accounts and inquires are not mine. Its identity theft. Someone used my personal information. I am very distressed that due to Identity theft, bureaus have included the below information ( accounts and inquires ) in my credit profile and have failed to maintain reasonable procedures to assure maximum possible accuracy in the credit reports they publish. I can not understand why this misleading info is still reported in my credit profile and why I have to suffer due to this fraud? Please help me and apply investigation as I can not handle that anymore! I want you to help me and delete these accounts and inquiries. 

Thank you for understanding
Complaint sub-issue: Investigation took more than 30 days

Hey, my name is XXXX and I mailed out a few dispute letters to XXXX   XXXX and Equifax. They have failed to respond and it's been over 60 days with no response. I just want inaccuracies to be removed that I highlighted in my dispute letters. Thank you
Complaint sub-issue: Problem getting my free annual report

I have never been able to access my credit report from Equifax because the questions they use online to verify my identity have absolutely no relation to my credit history. I tried again two days ago, and once again, all of the questions referenced mortgages, store credit cards and auto loans that I have never taken out, and phone numbers that do not belong to me. There was n't a single piece of verifiable information presented in any of the questions related to my accurate credit history, so it would have been impossible to verify my identity that way. I am able to access my reports from both XXXX and XXXX, and those show no problems with my credit -- but I was recently notified though my bank that there was a negative public record associated with my account. This, combined with Equifax 's inaccurate identity questions, makes me extremely concerned about the accuracy of Equifax 's report. A quick search online returns literally hundreds of complaints about this exact same online verification issue from Equifax. And on top of that, Equifax 's phone system is almost comically XXXX and seems intentionally evasive ; my call was dropped three times as I followed the prompts to speak to an actual representative. A customer service representative emailed me saying that I was free to submit a snail mail request for my report. But of course this is an arduous process not required by either of the other XXXX reporting agencies. People are much more likely to give up, rather than send their sensitive ( and possibly already potentially compromised ) information through the mail to a shady company. Altogether, this looks like Equifax is deliberately evading its federally-mandated responsibility to provide information to consumers.
Complaint sub-issue: Information belongs to someone else

My identity was compromised in 2007 and there are numerous items on my credit report that were not created by me or have been satisfied. XXXX XXXX XXXX is stating I owe {$13000.00} but that account was not opened by me. Also XXXX XXXX is reporting that I owe approximately {$1400.00} and that debt was satisfied. There are also 3 additional accounts I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX County. I would like these incorrect items removed from my report immediately as one has been satisfied and the rest coincide with the identity theft from 2007. I am an individual of integrity and satisfy my debts when I originate them. I have tried to get these items removed through the reporting companies with no success.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting. I previously sent a letter addressed to the Credit Bureaus with the same message, requesting the removal of the unauthorized inquiries. I also previously requested proofof verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX