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

Company has reported my account as late, when my account is set up as an Auto Payment and has always been set up as an auto payment. Apparently they XXXX XXXX changed banks that handle their credit card. however when they transferred my account they should have also transferred the payment information that was on my account as well. Nothing changed on my side money was there in my account and set to pay. Now i have this ridiculous late payment when i was not late.
Complaint sub-issue: Information belongs to someone else

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days 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 is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I 've been in the hospital for the last month in and a half from being diagnosed with XXXX XXXX XXXX XXXX. Got out the hospital on XX/XX/XXXXand noticed I had a ton of mail. Within that mail, it was a lot of denial of credit letters, in which I have n't applied for anything this year. Due to too many inquiries in the last year. Reviewed my XXXX XXXX and noticed that I had a total of XXXX inquiries. Out of those XXXX inquiries, XXXX are valid. Please help me to get this removed. Also I would like a credit freeze on my account. Since the data breach with Equifax I 've been getting a lot of random offers. When I know I requested to be removed off of the preapproval list. Even on my XXXX XXXX my credit is important to me. 

1.XXXX XXXX-XX/XX/XXXX 2.XXXX XXXX XXXX-XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX-XX/XX/XXXX 5.XXXX XXXXXX/XX/XXXX 6.XXXX-XX/XX/XXXX 7.XXXX XXXX XXXXXX/XX/XXXX 8.XXXX XXXX XXXX-XX/XX/XXXX 9.XXXX - XXXX-XX/XX/XXXX 10.XXXX - XXXX-XX/XX/XXXX 11.XXXX XXXX XXXX-XX/XX/XXXX 12.XXXX XXXX-XX/XX/XXXX 13.XXXX XXXX XXXX-XX/XX/XXXX 14.XXXX XXXX & -XX/XX/XXXX
Complaint sub-issue: Debt is not mine

I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money.
Complaint sub-issue: Unable to open an account

I am trying to link my account to XXXX investing site, PNC has a block on connecting it
Complaint sub-issue: Their investigation did not fix an error on your report

I paid off a car loan recently ( last month ). My credit score was XXXX. All of sudden, my credit score went down XXXX points ( please attached proof ) a few days ago from XXXX XXXX app. I found it very unusual and unfair for my credit to be significantly impacted that way. I work hard to improve my credit. I just dont think it is correct for my credit to go down the way it did, especially when I have made payments to pay off a debit and to keep my account current. I want your help to correct the error in my credit score reporting.
Complaint sub-issue: Information belongs to someone else

I received an email from XXXX XXXX indicating that a hard inquiry had hit my credit report ( Equifax ). It showed as a hard inquiry from XXXX on XX/XX/2018. I do not have XXXX nor did I apply to receive any of their services. I have called Equifax and they said I would need to call XXXX to have them contact Equifax to have the inquiry removed. I called XXXX and they said I would need to call Equifax. I have been bounced around by everyone. My credit score is over 800 and I do not want a fraudulent hard inquiry be reflected on y credit. You help would be greatly appreciated.
Complaint sub-issue: Delay in processing application

On XX/XX/2022, I attempted to take advantage of a 25 percent discount offer from Macy 's if I got a Macy 's credit card - I found a great deal on a couple of outdoor chairs I wanted to buy. I filled out the application form, only to receive a response telling me that Macy 's ( or their credit card, an Amex card licensed to Citi Cards ) had more questions to ask me ( never mind that my XXXX score from XXXX is XXXX and XXXX from XXXX - and within a minutes I got an email saying someone had checked my credit with XXXX ). The response from Macy 's provided an XXXX number to call, but a robot calling system demanded to know my credit card number, and there was no way to get through to a human being. To make a long story short, after two hours and many phone calls, I ended up speaking with someone in Macy 's credit department. She was able to find my application but informed me once more that they had more questions, then told me I would have to wait to receive a letter within seven to ten business days with the questions, then proceed from there. But what about my discount? I asked. Oh, yes, you can still get it, she said - buy the chairs now and when you are approved, we'll take the 25 percent off. Even though the sale on these chairs ends tonight? I wanted to know. Oh, no, said she. Besides, she added, that offer doesn't apply to everything we sell. At that point I told her it would be a cold day in XXXX before I shop Macy 's again and ended the phone call. I took a screenshot of the purchase I had wanted to make and will be happy to give it to the CFPB if there is a way to upload it. This strikes me as either a bait-and-switch or, at the very least, a terribly misleading come-on.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX, XXXX and Equifax have yet to respond to disputes I have been sending since XX/XX/2020! Under the law you are supposed to provide results and there are serious errors on my credit file with Late payments and negative items. I am unsure why you are not responding at all but these need to be deleted and not ignored. I have tried to call you guys and I can not reach any either. 
Please provide me results for the 3 disputes I have sent you!
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks
Complaint sub-issue: Debt was paid

Equifax, XXXX  & XXXX Company : XXXX XXXX Date : XX/XX/2015 AND XX/XX/2015 I got only ONE credit card with XXXX XXXX back in XX/XX/2015, and they closed down one account, however it shows up as TWO accounts closed. I have already PAID the collection within the 3 months the amount showed up back in XX/XX/2015.

I tried to ask them to remove the collection when I paid, but they refused to.
Complaint sub-issue: Account status incorrect

Here we go again with Equifax. 
They are showing my mortgage as late in XX/XX/2020 and I am not. They were directed to change this mistake by XXXX XXXXXX/XX/XXXX earlier this year and they did not. 
I have attached a letter from XXXX explaining this. Please fix this.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX XXXX and I'm including it again. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Investigation took more than 30 days

I am a victim of identity theft. I submitted my police report, copies of my drivers license and social security card and a letter to Equifax detailing the fraudulent accounts ( XXXX ending in XXXX & XXXX ending in XXXX ) that are reporting in error in my credit report. I referenced the Fair Credit Reporting Act Section 605B in my correspondence to Equifax and requested that the fraudulent accounts be blocked pursuant to federal law. Equifax did not complete this request in the 4 days as required by law and rather opened a dispute and verified fraudulent accounts by confirming my name and date of birth, both of which have been compromised. Equifax continues to disregard federal law by willfully reporting erroneous information on my credit profile that continues to cause me harm both financially and mentally. I have not benefitted nor did I authorize the accounts that Equifax continues to report after being notified by myself and law enforcement that are fraudulent ( XXXX ending in XXXX & XXXX ending in XXXX ).
Complaint sub-issue: Account status incorrect

Good day, please assist me in getting an answer about why each credit bureau XXXX, XXXX  and Equifax have been slow in upgrading my credit score since XXXX. My wife and I filed for bankruptcy in XXXX and divorced recently, but have met all our obligations according to bankruptcy rules. I alone have made consistent regular payments on an auto purchase since XXXX but the 3 main credit reporting bureaus listed above have not used the auto purchase payments as a factor in being credit worthy it seems. I don't have any credit cards as I normally pay for everything through 2 different bank debit cards. It appears the 3 main credit bureaus want me to obtain a credit card, and will only evaluate and award higher scores based solely on information received from those having credit cards. I believe this practice is unfair and would like an investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have XXXX unauthorized inquiry and XXXX accounts to validate and XXXX accounts that have wrong dates of last activity and they say charge off which is not accurate
Complaint sub-issue: Having problems with customer service

AES services my student loans. I am most unsatisfied with this company. The representatives regularly provide you with wrong and misleading information. I am currently in the process of refinancing my loans with another company, XXXX. XXXX and I together called AES to get information from them regarding my loans. The first rep we spoke to refused to provide information as XXXX had a recorded line. He said his manager would be able to assist us as he did n't have the authority. The " manager '' refused to help us. She said they will not speak on recorded lines as it is " company policy. '' Because of this I had to call the company separately and request the information that the XXXX rep could have gotten verbally be sent to me in document form. Now I have to wait for this documentation which is holding up my refinancing process.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I made a purchase on XX/XX/XXXX and I was told by the associate that I would receive 10 % cash back in rewards if I opened a store credit card and made a purchase the same day. This associate told me that it would take up to 30 days to receive the rewards. He walked me through the process step by step. I initiated a chat through a representative and they stated that I would receive the rewards. 30 days later, I did not receive my rewards credit. So I called Best buy and they stated to me that because I did financing, I was not eligible. They told me that I would have to pay the balance in full in order to receive the credit. So I asked them what was the purpose of me doing a hard inquiry on my credit report, take out a credit card and make a purchase just to turn around and pay the bill in full in order to receive the rewards credit? That does not make any sense. So I went through their terms and conditions and I do not see where it explicitly states that you are not eligible for the rewards credit if you are doing financing. So I went back to the store and ask another associate and they stated that you do not have to pay the balance in full in order to get the cash back. I am receiving different stories from different areas. The information that was provided to me was misleading. Why would I take out a credit card just to get rewards credit, if I had to pay the balance in full? This is a deceptive practice that Best Buy is doing to consumers. Also, the store associates needs to be properly informed of how the rewards options work. In addition, I would like to see where in your terms and conditions it states that if you choose financing, you are not eligible for the credit. The purpose of a credit card is for financing. Why would someone risk a hard inquiry on their report, if they could just pay the balance in full or use a card that has already been established to pay the bill.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Account XXXX  XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 302 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.
Complaint sub-issue: Personal information incorrect

The information in my personal info is incorrect. 

I do not reside at address " XXXX XXXX XXXX XXXX, NJ XXXX. '' I do not reside at address " XXXX XXXX XXXX XXXX, NY XXXX. 

I do not reside at address " XXXX XXXX XXXX XXXX, NY XXXX '' I do not reside at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I do not reside at address at XXXX XXXX XXXX XXXX XXXX FL XXXX. 

I do not reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I would like for all of these addresses to be removed from my credit report. I have no ties or affiliations to either one of them. Furthermore, I do not reside at either address.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are several inquires that appear on my credit report. A large amount of these inquires do not belong to me. I have never applied to these places listed. I was advised to complete a FTC with a list of the items and submit for investigation. Please have these fraudulent items remove from my credit file as soon as possible.
Complaint sub-issue: Information belongs to someone else

I have inquiries and addresses that do not belong to me and they will not remove from my report. I am a victim of identity theft.
Complaint sub-issue: Account information incorrect

According to the Pennsylvania Department of Transportation 's Repossession Laws, the Creditor, XXXX, was to follow laws put in place to protect their business and myself. The law states that I should have received a letter notifying me of the repossession allowing me 15 days to try and recover the vehicle before auction, and second, I was to receive a letter after the auction that stated the sale price and the new deficiency. XXXX DID NOT SEND THE LETTER which means they are not in compliance with Pennsylvania Laws. For that reason, for an error on their part, the repossession should be removed from my credit file because they are not in compliance.
Complaint sub-issue: Reporting company used your report improperly

I have potentially been impacted by the hack that took place in XXXX to XXXX of 2017 on Equifax, the credit reporting bureau. I 've not seen anything that indicates ( yet ) that my information has been used, but the information is potentially out there because of Equifax not securing my data. My biggest concern about this is the fact that Equifax knew about this potentially in XXXX and did nothing to let consumers know.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Debt was result of identity theft

I received a communication from the XXXX XXXX XXXX XXXX XXXX XXXX dated on XX/XX/2022. I replied to their communication that this debt is not mine and is as a result of Identity Theft. I thereafter, receive a second communication from this office dated XX/XX/2022 stating that they " have validated '' the account via a copy of records from their client- which they enclosed. After reviewing the enclosed information, I have never done business with XXXX XXXX or any doctor in XXXX XXXX, XXXX which is more than 75 miles away from my place of residence. This account does not belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive previously contacted XXXX XXXX via mail requesting the updating of inaccurate information ( late payments ) on my credit report.They sent a letter refusing to remove/ update the information on XX/XX/2020. Then After emailing their CEO explaining my issue I received a call XXXX/XXXX/XXXX. The representative wanted me to tell her my story and afterwards she told me they refused to remove the information again. Tell me that isn't unfair? 

I am very unhappy with the unfairness and inequitable practices of XXXX XXXX. 
After reporting the presence of inaccurate information on my credit report and requesting that the information be corrected. As accuracy is a measure of value, I was told that this information was valuable to my life and that it could not be changed. In addition, my reputation has been ruined as Ive been denied credit increases and extension of credit by multiple lenders due to XXXX XXXX reporting these late payments. 

According to 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
Complaint sub-issue: Reporting company used your report improperly

multiple inquiries & unauthorized XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

This was a service provided by 01 XXXX XXXX XXXX XXXX., in an apartment that I used to live in XXXX XXXX, Florida. I was a renter in that apartment. ( Not the Owner ). They serviced the air condition unit. Thats an owner responsibility. So this is not my debts. The service was provided between XXXX and XXXX, I believe. I personally didnt sign the document of service. They said, I did. I would like to dispute this debt, because is unfair. The amount is {$330.00}.
Complaint sub-issue: Information belongs to someone else

This complaint is regarding the student loan XXXX   XXXX. After sending dispute letters to Equifax, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
Complaint sub-issue: Their investigation did not fix an error on your report

The auto loan company XXXX has removed my file from XXXX  and I have disputed with XXXX  and they removed one payment off of my report but not the whole account. XXXX was in a litigation and has settled to remove bad loans off reports and they have off of my XXXX report. I have proof of the loan erased off my credit report and can send upload. Please assist in this matter in helping clear both my XXXX  and Equifax. 

Thank you, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a victim in the Equifax hack. I found out on XXXX XXXX 17. I have alerted another credit company to place an alert on my identity. I understand that they are a victim in this too, but they are also responsible for my security.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the XXXX you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

Ive just reviewed my credit report and noticed there are several inaccurate late items on my report. I have been a victim of identity theft and have contacted all three Credit Bureau 's and nothing have been resolved. I have opened cases each month for the last 10 months as well and nothing. There are student loans that were falsely opened in my name as well as late payments being reported.