Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

In XXXX of XXXX I attempted to open a new Discover deposit account but was unable to do so. I contacted Discover about this issue and they were unable to provide a resolution, but claimed that the issue had been escalated and that the issue would be resolved shortly. After multiple attempts to obtain the escalated resolution I was told that Discover was ceasing to do business with me. My accounts remain open, even though Discover claims that they will be involuntarily closed shortly. Upon inquiring about the reasons why I was being shut down, Discover was unable to provide me with an answer.
Complaint sub-issue: No notice of investigation status/result

Several disputes have been sent to Equifax in reference to several accounts. They have not sent any type of proof of what they are reporting so request were sent directly to the companies they were reporting. The companies have not responded to a direct request from me so Equifax would not have been able to get proof as well. How can they report information from a company that will not even send a response to me directly?
Complaint sub-issue: Personal information incorrect

I have disputed inaccurate and fraudulent address on my credit report with Equifax, XXXX, and XXXX credit bureaus. I have had identity theft and fraud in the past and on XX/XX/2022 I disputed these fraudulent addresses and phone numbers and to this day they are still there. I have mailed in a copy of my drivers license which has my correct and current address along with a utility bill. I have asked that all previous addresses listed be removed as they are inaccurate, fraudulent, and or undeliverable. As of today I have had no response from any credit bureau and the information is still there.
Complaint sub-issue: Problem with statement of dispute

Describe what happened so we can understand the issue ... An alleged debt in the amount of approximately {$280.00} was reported to Equifax, XXXX, XXXX for an account from XXXX ( acct. # XXXX and/or XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.
Complaint sub-issue: Company closed your account

tried to activate debt an closed down my KeyBank Unemployment account. XXXX
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX  ) ( A ) and 611 ( a ) ( XXXX  ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have one account that is under a different name DEPT OF ED/XXXX i have disputed it before and it needs to be removed. 
I also have an account XXXX XXXX XXXX that I have disputed as having unauthorized charges on it but it comes back resolved but there is no way that could be as equifax does not show me any charges they have verified with signed receipts with my name on them. 
There is a fraudulent lent account XXXX , XXXX that i have disputed before and comes back verified but it is not my account. 
And there is XXXX XXXX A account that was disputed with unauthorized charges on it and equifax is not properly investigating it. and instead just says it's verified.
Complaint sub-issue: Information is not mine

Re : Equifax tracking # XXXX Customer Reference : XXXX Equifax sent a credit report for my XXXX listing XXXX judgments and over XXXX liens, all of which pertain to other companies, not mine. 

-- XXXX XXXX has only ever operated in the State of California, with all our clients also located in the State of California. Most of the companies listed in the report are from other states. 

-- My business has never missed or been late with a credit card or any other loan payment. 

-- My business has never had a judgment against it, nor has there ever been a legal claim filed against it. 

-- There are not now, nor have there ever been any liens against my business.. 

Therefore, the listing of companies that have nothing to do with myself or my business, is erroneous and the result of either fraudulent claims by other parties or negligence on the part of reporting agencies who failed to cross-check names, TIN numbers, and/or addresses. 

These errors have adversely affected my credit report, resulting in the loss of credit from at least one lender.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # 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 has 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 a account without my written instructions
Complaint sub-issue: Was not notified of investigation status or results

They have ignored my previous request and failed to maintain reasonable procedures in there operations to assure maximum possible accuracy in the credit reports they publish.
Complaint sub-issue: Information belongs to someone else

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XX/XX/XXXX ; EQUIFAX XX/XX/XXXX ; EQUIFAX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX, EQUIFAX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ) has led me to believe I am a victim of identity theft, as I did not approve any info to be used in my name.. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Complaint sub-issue: Can't close your account

Statements that I am opening other cards are being sent to XXXX. I have closed this account nearly 5 years ago and have never opened another account. This conduct is harming my credit reporrt and XXXX Score.
Complaint sub-issue: Account information incorrect

XXXX, Equifax and XXXX are reporting misinformation On my credit report. XXXX XXXX should show a XXXX  balance On my credit report. I open this credit card with a cash deposit Of {$300.00} which XXXX XXXX never returned. This credit card Was secured with the {$300.00} cash deposit. XXXX XXXX is Reporting to the three credit agencies that I owe them {$250.00} Again I  owe them nothing and they owe me {$300.00} my deposit Which they never returned to me. 
XXXX XXXX XXXX should also show a XXXX balance On my credit report. I did a voluntary surrender of XXXX XXXX XXXX which was financed for {$7000.00} by XXXX XXXX XXXX. The total cost of the XXXX XXXX XXXX was {$9000.00}, I paid {$2000.00} cash down payment at time Of purchase. XXXX XXXX XXXX sold a XXXX  XXXX XXXX at a public auction for {$2000.00} for a net lost of {$5000.00}. 
XXXX XXXX XXXX reported to all three credit Agencies that I owed a deficiency balance of {$5000.00} still Owed on the car. XXXX XXXX XXXX sold the Car for under the Fair Market Value of the car, therefore I owe them nothing. They sold the car for under the Value That the car was worth. 
I want XXXX XXXX XXXX and XXXX XXXX Taken off my credit report.
Complaint sub-issue: Problem accessing account

On XX/XX/20 I spoke with a rep who said the problem was fixed but it hasn't been
Complaint sub-issue: Account information incorrect

Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.
Complaint sub-issue: Information belongs to someone else

Someone got hold of my credit information for XXXX XXXX, XXXX XXXX XXXX and used my cards which Ive contacted the company right away and they removed the negative items from my credit report and now its back
Complaint sub-issue: Threatened or suggested your credit would be damaged

On the morning of XX/XX/XXXX, XXXX XXXX contacted me by phone stating she was calling from XXXX representing mypaydayloan.com on a loan taken out in XXXX for XXXX. She stated that I would have a warrant and subpoena sent to my employer for garnishment of wages and that I would have to show up in court and that she would be reporting this information to the credit bureaus and check companies. She also stated that the post office told her that there were certified letters sent to my address over the last few years to which I told her that I never received any letter. I notified her that this company filed a claim in my bankruptcy case to which she stated that this was a crime and considered a bad check and can not be included in a bankruptcy. I hung up on her and contacted the post office in XXXX TN to inquire about the certified letters to which the supervisor told me this was not true. I also reached out to mypaydayloan.com to find out what was going on to which the agent told me he saw the emails back in XXXX where the collections XXXX XXXX got the case info, attorney, etc from me to file the case. He also informed me that the collection agency to contact was XXXX XXXX XXXX  to which ara is a third party of them, but could not tell me why my case went to collections after the bankruptcy case information was provided to them. The information was given to them in XXXX of XXXX but turned to collections in XXXX of XXXX. I called XXXX XXXX and was told the account should have never been turned to collections and should have been categorized as bankruptcy. The rep XXXX XXXX has threatened me with garnishment, a subpoena, a lawsuit, credit reporting. She did not state that she was attempting to collect a debt at no time whatso ever during the call. I asked her numerous times if she could provide me with something in writing to which she would not do although I asked. She did not try to help me figure out what was going on or try to resolve. She just threw out mediation, garnishments, etc. She also would not give me a case number. The people I spoke with was XXXX, a supervisor at mypaydayloan.com ( XXXX, Supervisor at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ext XXXX. I have a transcription of XXXX XXXX 's voicemails as well.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

these following inquiries were not authorized Show DetailsXX/XX/XXXXBankingXXXX Show DetailsXX/XX/XXXXBankingXXXX Show DetailsXX/XX/XXXXOil And National Credit CardsXXXX XXXX XXXX Show DetailsXX/XX/XXXXUtilities And FuelXXXX Show DetailsXX/XX/XXXXUtilities And FuelXXXX XXXX Show DetailsXX/XX/XXXXBanking XXXX Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXXFinance XXXXXXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Oil And National Credit Cards XXXXXXXX XXXX Show Details XX/XX/XXXX Oil And National Credit Cards
Complaint sub-issue: Account information incorrect

I have disputed the following items with EQUIFAX to be removed and deleted from my credit report on XX/XX/XXXX and these unlawful incorrect items are still being reflected on my credit report : company : XXXX XXXX opened date : XX/XX/XXXX amount : {$470.00} company : XXXX XXXX opened date : XX/XX/XXXX amount : {$1300.00} company : XXXX XXXX XXXX 
opened date : XX/XX/XXXX amount : {$0.00} company : XXXX opened XXXX : XX/XX/XXXX amount : {$0.00} company : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount : {$4100.00} company : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount : {$980.00}
Complaint sub-issue: Their investigation did not fix an error on your report

A few months I disputed an unknown debt with XXXX XXXX and it was removed from my credit report. Now, late XXXX or early sometime this month, the debt was added back to my credit report under the collections agency of Jefferson Capital. I disputed this recent debt earlier this month and it was n't removed from my credit report.
Complaint sub-issue: Debt was paid

ERC is attempting to collect {$200.00} for a sprint phone bill. We had sprint for 1 month only. This can be easily verified. We signed up under a no obligation trial promotion. This is verifiable by googling sprint free trial etc. we cancelled and were told by a manager we would not be responsible. The is extremely ridiculous considering the OWE ME MONEY. They took our XXXX trade ins and we never got them back after we cancelled. XXXX fails to tell you that when you do the trial promo. So we lost our phones to XXXX, had to pay XXXX for them, and now they are trying to collect a months bill from me for a promo I shouldnt be responsible for anyway AND THEIR SERVICE DID NOT WORK IN OUR HOME! I cant move because of this collection affecting my credit score. This is an erroneous collection. Ive attached photos that show old excerpts about the promo.
Complaint sub-issue: Information belongs to someone else

MY INFORMATION HAS BEEN INVOLVED IN A MAJOR DATA BREACH WITH EQUIFAX I HAVE BEEN FILING MULTIPLE LETTERS TO ALL THREE CREDIT REPORTING AGENCIES ON BEHALF OF FRAUDULENT INFORMATION FOUND. I HAD TO INDIVIDUALLY DRAFT AND SUBMIT THESE LETTERS, FINDING ALL THE INFORMATION INVOLVED IN THIS DATA BREACH THAT DOES NOT BELONG TO ME. I HAD TO SUBMIT A REPORT TO THE FEDERAL TRADE COMMISSION ON BEHALF OF IDENTITY THEFT. THE ACCOUNTS THAT HAVE CAUSED ME MANY DENIALS FOR LOANS, CREDIT AND OTHER PERSONAL PURCHASES. I HAVE LOST TIME AND ENERGY BECAUSE OF THESE FALSE ACCOUNTS.
Complaint sub-issue: Can't get other flexible options for repaying your loan

On XXXX separate occasions I spoke to customer service and loan resolution " experts '' even taking over an hour of my work time to go through financial details in order to work out a plan for some sort of loan repayment. 
I was told I maxed out my in school loan deferment- even though I am still enrolled in school full time working on my XXXX XXXX XXXX. At one point I had to conference call my co-signer who is now an elderly woman living on a fixed income. The account resolution individual was so rude to my co-signer he made her cry multiple times. 
His resolution was nothing. Nothing changed, he demanded payment in full each month and offered XXXX resolutions even knowing that I am XXXX XXXX XXXX and XXXX XXXX- with an elderly co-signer on a social security fixed income. 
Sallie Mae even after going through these processes continues to call XXXX to XXXX times a day and mails letters reporting the account past due and delinquent. I have talked to everyone offered " who may be able to assist me '' with zero assistance and resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. I do not have a legally binding contract with this company. Additionally, there is no name associated with this file & needs to be deleted due to inaccurate information. PLEASE DELETE ASAP. 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}
Complaint sub-issue: Information belongs to someone else

Auto Lease with XXXX shows on my Equifax credit report. This is incorrect. I do not have a lease with XXXX. I am uploading details of lease on shown on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX -- XXXX XXXX XXXX  XXXX XXXX XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU -- XXXX US DEPARTMENT OF EDU -- XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX- Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4.

I need them delete this unauthorized inquiries off my credit report.

You can't go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers " Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( XXXX  ) and others who furnish third party disputes free of charge, etc.
Complaint sub-issue: Account information incorrect

There was an error on my credit report reported by XXXX XXXX XXXX XXXX in XXXX XXXX, MI. It is reporting that I was late in XXXX of 2017 on my camper payment. I was not. The payment was sent electronically and posted to the credit union savings account instead of applying it to the loan. I have contacted the credit bureaus and tried to get it resolved. They just look at the payment history and do not read the notes so they continue to verify it as late. I have a letter from the XXXX XXXX XXXX XXXX saying the reporting is incorrect but they the credit reporting agencies will not change the late payment to current.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax declines to forward me an updated credit report ... I still behold countless errors on my report ... I have received mail stating that some of it has been removed ... this is hindering me and its a great injustice ... I resolve to pursue litigation very soon
Complaint sub-issue: Their investigation did not fix an error on your report

my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.. 
I was not provided the method of verification on XXXX XXXX XXXX late payments, XXXX XXXX XXXX or the inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

Was initially contacted my a debt collector to collect a sum of money over {$9.00} for repairs to an apartment I used to live at. I vacated this apartment over XXXX year ago and my ex wife was the one remaining there. After move out in XX/XX/2021 I we were told we would be contacted with the final amount owed which never happened. I contacted the landlord about my security deposit and was told I would be called back. Missing the call back they left a voicemail stating the only amount I owed to them after move out was around {$500.00} for pro rated rent which was taken out of my security deposit along with a small repair. I didnt think much of it until XXXX years later I get a call from a collections agency saying I owe over XXXX for initially what was a flooding repair. I stated I have email proof emailing for maintenance to come out to fix the problem and each time they came they couldnt find anything wrong. Eventually the pipes burst multiple times over the years because of bad and rotted plumbing and they tried pinning that on me after move out so when I questioned it then the story changed to the reason for the collection is instead now carpet and a couple blinds. I dont know where in the world a small XXXX bedroom apartment that had only half of its square footage actually carpeted costs over {$9000.00} nobody wants to give me an exact list of repairs or charges and I was only notified about this until it hit my credit and ruined it.
Complaint sub-issue: Don't want a card provided by your employer or the government

Citibank opened a credit card that I did not order & refuse to close it.   And now are sending charges.    XXXX   XXXX
Complaint sub-issue: Reinserted previously deleted info

I finalized a " deed in lieu of '' several years back and with that came a release of my second or line of credit unfortunately XXXX did nothing and left the original second loan on my report. Attached is a letter verifying that is was approved. I really need to get this corrected can you help. 

Thanks