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

On XX/XX/2021, I received notification of a hard credit inquiry on my XXXX credit report. Per the credit report, the hard inquiry was made by : US Bank XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX I did not authorize this inquiry and want it removed from my credit report. 

Thanks.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX. Letter sent to XXXX  disputing the negative listing of alleged collection account # XXXX being reported in my credit file, dated XXXX, XXXX. ( Attached ) XXXX. Letter sent certified mail w/return receipt to collection agency Plusfour , Inc. requesting proof of the alleged debt. LETTER WAS REFUSED. ( Attached ) XX/XX/XXXX. Received letter from XXXX verifying the alleged item as accurate. ( Attached ) XXXX. Letter sent to XXXX   requesting Method of Verification. ( Attached ) XXXX. Letter sent XXXX XXXX " Signature Required '' w/Notarized Certificate to collection agency PlusFour, Inc. RECEIVER REFUSED DELIVERY, 3 attempts. ( Attached )
Complaint sub-issue: Account information incorrect

This is the THIRD complaint I've submitted via the CFPB about Equifax in less than two months. Why is Equifax allowed to be so sloppy in maintaining consumer data? 

I submitted a dispute form asking Equifax to update the balance on my XXXX XXXX account. Instead of asking the lender to verify the details, it reported the account as fraudulent. Once the lender determined the account was not fraudulent, the account was reopened, but I was issued a new account number. Equifax now reports TWO XXXX XXXX acounts on my report and the information reported is WRONG.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Complaint sub-issue: Debt is not mine

Please see complaint nos. XXXX, XXXX and XXXX. THIS IS NOT MY DEBT. CONN'S HAS KNOWN IT IS NOT MY DEBT FOR OVER A YEAR YET CONTINUES TO TRY AND ILLEGALLY COLLECT ON IT. THEY SAY THEY CAN'T FIND AN ACCOUNT ON ME. IF THEY WOULD ACTUALLY LOOK AT THE DOCUMENTS I HAVE PROVIDED MORE THAN ONCE, THEY WOULD SEE THAT THEY JUST RECENTLY RESOLD THIS DEBT ONCE AGAIN TO ONE OF THEIR MANY COLLECTION AGENCIES - WHICH WAS ILLEGAL BECAUSE 1) THE FIRST COLLECTION AGENCY THEY SOLD IT TO WAS UNABLE TO VALIDATE THE DEBT AND REMOVED IT FROM MY CREDIT LISTINGS OVER A YEAR AGO; AND 2) THEY RESOLD THE INVALIDATED DEBT TO ANOTHER DEBT COLLECTOR AFTER BEING PUT ON WRITTEN NOTICE THAT ALL COLLECTION ACTIVITY MUST CEASE UNDER FEDERAL LAW UNTIL THE ACCOUNT HAS BEEN VALIDATED. THEY ARE BREAKING THE LAW AND VIOLATING MY RIGHTS. I DEMAND THAT SOMETHING BE DONE.
Complaint sub-issue: Information belongs to someone else

Upon checking my credit report I noticed a few things that should not be on my report. More specifically an XXXX XXXX XXXX XXXX account, in which I was notified by the company itself that they would remove it due to the fact that someone put me on as an authorized user inwhich I was totally unaware of. And according to the FCRA rule of law, this account should be removed.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I lost me card on and wallet XX/XX/19 on I reported the card missing onXXXX. someone had used my card at the atm and store in the amounts of {$160.00}, {$100.00}, and {$8.00}. I last used my card at the gas station which I told to the customer card company. I noticed a guy hanging around me when I used the atm and at the store. I keep my pin in my wallet due to a bad memory from a car accident. The bank denied my claim now I am having to move due to not being able to pay my rent.
Complaint sub-issue: Information belongs to someone else

SOMEONE RENTED A APARTMENT IN MY GOOD NAME USING MY ID FRAUDULENTLY, FTC REPORT ATTACHED. AT XXXX XXXX XXXX IN UTAH USA
Complaint sub-issue: Can't use card to make purchases

This is my third complaint to the CFPB about my Citi Prestige card. In addition to my previous complaints, my card was cut off for " fraud '' reasons today. While it is noble to combat fraud, I was given no indication that this was the reason the card was declined. Instead, I had to call to ask why my card didn't work and answer a number of prompts with a fraud robot, then I was allowed to go through their automated system which makes it incredibly difficult to get to a human, enter all my information again, then got to the agent and she didn't have any of my information, so I had to provide it again. A complete waste of time. Now, I don't even know when I can and can not use my card. The woman I spoke with made it seem like it's some mysterious " system '' that decides when your card gets cut. Not a thing a person could do she claimed, even though this " system '' was created by humans and can be fixed so it functions properly like at other banks. And I was provided no notification there were fraud concerns until I called. She claims they come - eventually. I haven't received one as of the writing of this message. So they are so concerned about their customer experiencing fraud that they cut off their credit cards but don't tell them? What if this was a person 's only form of payment? Now I have no idea when my card will work and customer service couldn't provide any guidance on this mysterious " system '' that cuts off your card when you go to pay a phone bill. As I've said in my previous complaints, this card is marketed as " premium '' but it is trash. You can't even easily access a competent customer service agent - XXXX today told me that my annual fee wouldn't be billed for a year. I had to correct him that it would be billed next month, then wait on hold while he verified I was correct. You have a unit dedicated to this premium card and they don't event know when the annual fee is due? It's a joke.
Complaint sub-issue: Account status incorrect

My request for the correction and removal of the inaccurate information about my accounts has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of the following account that needs to remove Completely from my Credit Report. 
XXXX XXXX XXXX {$0.00} TXXXX XXXX {$600.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$300.00} XXXX XXXXY ( Original Creditor : XXXX XXXX UNIVERSITY ) XXXX {$7400.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX {$3500.00} Date Opened : XX/XX/XXXX XXXX XXXX {$700.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX {$710.00} Date Opened : XX/XX/XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$1200.00} Date Opened : XX/XX/XXXX.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

I informed the company I was a XXXX XXXX XXXX veteran on XXXX, and social security, that, That I was theconsigner, and that I would voluntarily surrender the care. The company never sent me any information on car, it wS reposed in XX/XX/2016, within this last week it was placed on my credit report after I had disputed it, The company placing it on. Y report is not the original debt, I have no contract with this, company that has placed this on my credit report. I am asking it be removed as legally they are not the lien holder, they have no right to my social security number, or my credit report, So I am asking that the CFPB ASK THEM TO DO THE FOLLOWING, REMOVE THIS FROM MY CREDIT FILE, This letter is in direct response to your companies answer to my disputes submitted ( Date ) for the accounts listed below. I disputed the inaccuracy in which these accounts were being reported. 
I dont understand how these accounts were verified when I was not sent any proof by way of your method of verifying the accounts listed in my dispute. So according to FCRA 611 ( a ) ( 7 ) I am requesting the description and documentation used to verify these accounts. 
There for I am also requesting that you provide me with the documents that you have on file as of ( DATE ) that your company is in compliance with Metro 2 reporting standards. Under the Fair Credit Reporting Act 15 U.S.C. 1681g, I believe it is my right to request that you provide me with the Header Record, containing 18 fields, which ensures that the information was identified correctly by the bureau. The Base Segment, containing 49 fields, which provides the specific account information for me. The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau to my particular file. 
Your response that these accounts were verified was not enough to satisfy the accuracy of these accounts. If you can not provide me with the above information as requested please delete these accounts accordingly per FCRA 611 ( a ) ( 5 ) ( A ) ( i ). 
I am exercising my right provided by FCRA 15 U.S.C. 1681i to request that the above information be provided to me with the time allotted or these accounts be deleted from my credit report. Please do not continue to knowing report these items if there is no proof to their accuracy. 
If you are unable to provide proper redress for this matter, which is the Metro 2 compliance documentation and evidence to the accuracy of these accounts I will be forced to seek additional support by way of complaint to the FTC, and my Attorney General. 
If you are unable to provide the above documentation and evidence please delete these accounts and provide me with an updated copy of my report reflecting the deletion of these accounts.
Complaint sub-issue: Information belongs to someone else

I received an alert that my social security number had be compromised. I checked my credit report and I have not applied or tried to acquire accounts from any of the companies listed. There are current inquiries on my credit report I did not authorize. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

Can not get deposits due to PNC bank not allowing me to link my accounts
Complaint sub-issue: Information belongs to someone else

I am disputing fraudulent information that you are reporting on my credit reports. I ask that you take this complaint seriously and delete the information that is included in the attached document immediately.
Complaint sub-issue: Threatened or suggested your credit would be damaged

JEFFCAPSYS XX/XX/XXXX Account Details Last Reported XX/XX/XXXX XXXX XXXX JEFFCAPSYS Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$380.00} High Balance {$380.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have disputed this debt several times through the National Credit Reporting agencies and this debt has not been removed. This company is not registered legally to attempt to collect a debt in the state of Florida, where I reside.
Complaint sub-issue: Account status

I have late payments reporting on MY Credit file which has been removed by the following companies XXXX it 's showing XXXX late payment & lt ; should be showing zero & gt ; I made an agreement with the company and they removed all late payments, and its still showing up on my credit report. 
Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type XXXX Status XXXX - Paid Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$2500.00} Term -- XXXX {$0.00} Responsibility XXXX Balance {$0.00} This is the XXXX XXXX XXXX XXXX showing XXXX missed payments which are inaccurate as well. 
XXXX XXXX is showing XXXX missed payments i sent in Goodwill Letter to creditor and they removed all missed payments because i signed up for auto pay. Still reporting on my credit file. 
XXXX XXXX XXXX XXXX, XXXX Open - Current XXXX Missed Payments They also removed all missed and late payments when i signed up for Auto pay along with Goodwill Letter. 
I disputed these accounts and late payments with the credit beareau and they say its a valid debt and when i contacted creditor, they say the info is innaccurate and they dont have any missed or late payments showing which further lets me know that the creditor is validating my debt illegally and falsely.
Complaint sub-issue: Unable to open an account

I am having a continual issue of opening up a checking, savings, and secured credit card account with U.S. Bank due to having previous U.S. Bank accounts that was XXXX under XXXX XXXX bankruptcy 2 years ago and me having a previous bankruptcy on my XXXX XXXX, XXXX, XXXX, and XXXX XXXX credit report. U.S. Bank is refusing to open any accounts for me due to the previous accounts that was XXXX in bankruptcy in the U.S District Court District of Minnesota Bankruptcy Court. U.S. Bank is discriminating against me based on my previous relationship with the bank, based on my race, income, and me having a previous bankruptcy on my credit reports. U.S. Bank is in complete violation of the Equal Credit Opportunity Act ( XXXX ) under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Complaint sub-issue: Problem with balance transfer

On or about XX/XX/2022 ordered two balance transfers via my wife XXXXXXXX XXXX Discover XXXX ' card ( account ending in XXXX ). Balances being transferred from two different XXXX XXXX credit card accounts in husband XXXX XXXXXXXX XXXX  name ( account ending in XXXX for XXXX and account ending in XXXX for XXXX ). Total balances including balance transfer fees posted to Discover XXXX ' account statement XXXX or XXXX. Checking XXXX XXXX accounts found one had been credited for XXXX, the other not credited. On XXXX XXXX checked again, second balance still not credited, contacted Discover. The XXXX which was to be transferred from XXXXXXXX XXXX account ending XXXX was instead transferred from a completely unrelated account whose user is unknown to me ending in XXXX XXXX XXXX. Contacted Discover, must wait 8 days to investigate per their policy. They recommended we contact XXXX XXXX who said there was nothing which they could or would do to help. To sum up, we are now, rather than moving a balance to a 0 % XXXX Discover account, looking at twice that sum, one on Discover and one on XXXX XXXX. This must not stand and noone other than we seem motivated to act. HELP!! 
XXXX and XXXX XXXX, XXXX, Florida
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 XXXXXXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXXXXXX XXXX  account number XXXX and XXXXXXXX XXXX account number XXXX have violated my rights. 

The information displayed in my credit report is inaccurate, therefore it must be deleted per the FCRA.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

*Please note that the bureaus did not reply to my dispute letter.
Complaint sub-issue: Information belongs to someone else

Pursuant to FRCA 623 ( a ) ( 6 ) ( B ), if a consumer notifies you that a debt has resulted from identity theft, the creditor may not furnish information to a credit reporting agency regarding the fraudulent account. I sent a copy of the identity theft report ( attached ) to XXXX XXXX. XXXX XXXX is still reporting this account that was a result of identity theft to Equifax. In addition, I received a letter from XXXX XXXX which I forwarded to Equifax which indicates that XXXX was unable to locate any active or previous loan under my name ( attached ). Neither XXXX nor XXXX were able to verify this debt and deleted this account from my record. It is the responsibility of the creditor reporting the information to update the change with every credit reporting agency to which it reported the information.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX / amount $ XXXX/XX/XX/XXXXamount {$1500.00} filed ftc report and police report
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2018 to XXXX 2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Trouble with how payments are being handled

I started additional principal payments about 2 years ago. A year ago I realized Great Lakes was not applying the additional principal payment to the principal. They were instead keeping it as a prepayment. I called and was informed I had incorrectly set up the payment options. I changed the payment options to what customer service advised me, so that excess payments would apply to principal and not just be held as a prepayment. Tonight in checking my account I see that I still haven't gotten any credit for the excess payments and over {$1000.00} is being held as a prepayment while I'm accruing interest on my loan balance. 

As a college grad I find it unacceptable that I am not able to pay off additional principal due to confusing online payment options and inaccurate direction from customer service. 

https : //mygreatlakes.org/XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

On three different occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I was denied housing because of inaccurate information provided by Corelogic in my background/rental history report. There is a Judgment in the amount of {$2500.00} on my rental history. I have made payments to XXXX XXXX totaling {$1500.00} and my balance does not reflect that so potential landlords are holding this against me and I am unable to rent an apartment. Please help me get this corrected before I am homeless.
Complaint sub-issue: Account information incorrect

Then below CLOSED personal loans do not accurately show account info such as original loan amount, monthly payment & more importantly, payment history for correct timeframe My credit factors states I have new accounts because these old accounts payment history is inaccurate/ommitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for community
Complaint sub-issue: Their investigation did not fix an error on your report

I have been asking Equifax to provide Proof of Validation for 3 accounts in collections on my credit report. I sent my initial validation request to them to them in XX/XX/2019 certified mail and received a response back from them dated XX/XX/2019 that the 3 item on my collection report were validated ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ). I then sent a XXXX XXXXquest Proof of Validation Letter on XX/XX/2019 to Equifax and received a response dated XX/XX/2019 the same exact letter from the XXXX response ( another Oscar letter ). I then on XX/XX/2019 sent Equifax another certified letter of Proof of Validation and Pending Complaint Filing letter in which I received a response dated XX/XX/2019 again the same Oscar letter they sent the two previous times. I then on XX/XX/2019, sent another certified letter to Equifax requesting a Credit Bureau Verification Procedure Request and received a response dated XX/XX/2019 that they were valid and that they would no longer investigate. The letter also was the same Oscar letter i have been receiving from them. Equifax has not been thoroughly been investigating these collections and instead just allow Oscar to generate responses.
Complaint sub-issue: Their investigation did not fix an error on your report

THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THEY HAVE ALLOWED THIS TO STAY ON MY CREDIT REPORT.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2022, I requested my lexis nexis report online and I called for confirmation and I still have not received it. I am demanding it immediately. My address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I contacted both AMERICOLLECT and XXXX to verified this account. Both companies AMERICOLLECT/XXXX came back an stated that account had been VERIFIED but won't send me the information requeted by me. I asked to please provide me Name and Addresses of Medical providers, dates and type of services, to whom the service was provided, Oriiginal contract with my signature, and if information is collect i woulded off like the name of the person providing the data and the manner in which it was provided. I contacted XXXX and they said they don't provide such information. I also contacted AMERICOLLECT to please provide me with verification of the account and also i didn't get anything from them
Complaint sub-issue: Debt is not yours

A debt validation letter was sent to IC SYSTEM on XX/XX/2020 with regard to a debt that appears on my credit report as : XXXX XXXX XXXX  XXXX : XXXX. IC System is a 3rd party debt collector, i received no goods or services from them, thus i have no contract with them to owe them anything since they bought this debt for pennies on the dollar and our trying to collect on a debt that they have no signed contract between the two of us. IC System has yet to respond to the debt validation letter that was sent to them certified mail on XX/XX/2020.